Alan is a digital health insurance solution integrated with Qonto that helps you protect your team and yourself with comprehensive healthcare coverage.
Whether you are a business owner looking to cover your employees, a manager setting up collective health benefits, or a self-employed professional seeking individual coverage, Alan provides 100% online health insurance designed for modern businesses. The platform combines fast reimbursements (90% processed in under 24 hours) with preventive health services, including 24/7 access to medical teams and wellness programs.
Alan is available to all Qonto users regardless of your industry—from retail and hospitality to digital services and wellness sectors. You can subscribe entirely online in just a few minutes, and Alan handles canceling your previous insurance provider. The service offers both collective insurance for teams and individual coverage for self-employed workers (TNS).
Who can use Alan through Qonto?
Alan supports three distinct user profiles, each with tailored health insurance solutions:
- Managers and HR professionals: If you want to provide collective health insurance (mutuelle collective) for your team, Alan offers coverage starting from just 1 employee. You can cover your entire team in 5 minutes and add new members in 2 clicks from your interface.
- Business owners and executives: Whether you're classified as an assimilated employee (assimilé salarié) or not, Alan provides health coverage options specifically designed for company leaders who need personal coverage.
- Self-employed workers (TNS): This includes independent contractors, freelancers, sole proprietors, and liberal professionals. Alan offers specialized coverage with no waiting period.
Alan serves businesses across all sectors, including commerce, restaurants, crafts, digital services, wellness, and more. Your industry doesn't limit your access to Alan's health insurance solutions.
What health insurance products does Alan offer?
Alan provides different products depending on your professional status and coverage needs:
For teams and collective coverage:
- Collective Health Insurance: A 100% digital group health insurance plan that covers teams of any size, starting from just 1 person. You can set up coverage for your entire team in 5 minutes, then add new members in 2 clicks directly from your management interface.
- Collective Welfare Insurance: This protects your employees in case of work stoppage, death, or disability. To subscribe to welfare insurance with Alan, you must first have an active Alan health insurance contract.
For business owners and self-employed workers:
- Alan for Independents (TNS coverage): Complementary health insurance designed specifically for self-employed workers. You get full coverage in 5 minutes with no waiting period, meaning your benefits start immediately.
Preventive services included for all members:
All Alan members benefit from comprehensive prevention services at no additional cost. You have access to a medical team available 24/7 via message or video consultation without fees. The platform includes mental wellness support, prevention programs, and over 110 designer eyeglass frames at zero cost. These services focus on keeping you healthy, not just treating illness.
How do I subscribe to health insurance with Alan?
The subscription process is 100% online and takes just a few minutes. Alan also handles canceling your previous insurance provider for you.
For collective contracts (covering your team):
- Get a quote: Enter your collective agreement and basic information about your company structure
- Choose your coverage level: Alan automatically suggests 3 compliant options based on your legal requirements: Essential, Balanced, or Premium
- Finalize online: Complete the process with electronic signature and secure payment
- You're covered: Get immediate access to your member portal and third-party payment card
Alan automatically generates and collects all legally required documents, including the Uniform Document (DUE), exemption forms (dispenses), and portability documentation. You don't need to manage this paperwork manually.
For self-employed worker (TNS) contracts:
- Get a quote: Provide information about your healthcare needs and the beneficiaries you want to cover (yourself, partner, children)
- Choose your plan: Alan recommends the coverage option best suited to your situation
- Finalize online: Complete with electronic signature and secure payment
- You're covered in 5 minutes: Get immediate access to your member portal with no waiting period—your coverage starts right away
After subscribing, you manage everything from your Alan portal: submitting reimbursement claims, tracking request status, adding beneficiaries, and accessing administrative documents.
What information does Alan need to provide a personalized quote?
The information required depends on whether you're setting up collective coverage or individual coverage.
For collective contracts:
- Your collective agreement: Alan automatically identifies the minimum mandatory coverage requirements based on this
- Your company composition: total headcount and employment status of your team members
- The people you want to cover and the percentage of premium you'll cover (minimum 50% required by law)
- Your desired coverage level: Essential, Balanced, or Premium
For self-employed worker contracts:
- Your healthcare needs and priorities
- The age of each beneficiary you want to cover (yourself, partner, children)
- Your coverage preferences based on your typical healthcare usage
Alan uses this information to calculate accurate pricing and ensure your coverage meets all legal requirements.
How does pricing work with Alan?
Alan offers transparent, flexible pricing with no hidden fees or confusing insurance jargon.
For collective contracts:
Your price depends on your collective agreement and the minimum mandatory coverage it requires. Alan provides access to 3 compliant options:
- Essential: Affordable coverage for all routine healthcare needs
- Balanced: Best value pricing for enhanced coverage levels
- Premium: Comprehensive premium coverage for top-tier benefits
As an employer, you must cover at least 50% of the health insurance premium—this is a legal requirement. Alan helps you choose coverage that fits your budget while meeting compliance obligations.
You can modify your contract anytime when adding new team members or making changes—just a few clicks in your portal. There's no long-term commitment: you can cancel without fees at any time.
For self-employed worker contracts:
Your price depends on:
- Your age and the age of your beneficiaries
- The profiles you're covering (just yourself, partner, children, or multiple beneficiaries)
- Your healthcare needs and usage patterns
Alan shows all prices clearly in euros, making it easy to understand exactly what you're paying for.
What makes Alan different from other health insurance providers?
Alan uses technology to simplify healthcare access and deliver exceptional service focused on prevention and wellness. This approach results in outstanding customer satisfaction, with an average response time of 2 minutes and 90% of reimbursements processed in under 24 hours (half of those in just 5 minutes).
Concrete health benefits:
- Ultra-fast reimbursements: 90% processed in less than 24 hours, with half completed in just 5 minutes
- 24/7 medical team access: Connect via message or video consultation at no additional cost
- Designer eyeglasses at zero cost: Choose from over 110 designer frames with no out-of-pocket expenses
Simplified management:
- Intuitive mobile app: Submit healthcare expenses in 30 seconds from your phone
- 2-click employee onboarding: Add team members to your coverage independently without paperwork delays
- 100% automatic compliance: Alan generates all legally required documents for you, ensuring you always meet regulatory obligations
- Ultra-responsive support: Get answers in under 2 minutes via message
Total transparency: All pricing displayed clearly in euros, with no insurance jargon or confusing terminology. You always know exactly what you're paying and what coverage you're receiving.