“Can a full-stack digital health insurer become the all-in-one health partner (insurance + care + prevention + AI) across Europe and beyond?”
Founded 2016 in Paris as a fully licensed digital health insurer under ACPR — a rare new insurance license in France. Alan expanded across Europe (Belgium, Spain), then North America (Canada) and Africa (Senegal, Côte d'Ivoire), and evolved from pure insurance into an integrated 'health partner' bundling insurance, telemedicine (Alan Clinic), preventive health (Alan Play), and AI assistance (Mo). Revenue reached €800m+ ARR with 1M+ members and 41,000+ companies by 2026.
Alan discloses qonto as its banking provider, according to the Embedded Finance Index 2026.
Alan does not disclose a bank charter of its own; its banking services are provided through qonto.
Alan processes payments through Stripe.
Alan uses Onfido for KYC and identity verification.
Alan's embedded insurance is provided by Alan Insurance (in-house) and EuropAssistance.
The Embedded Finance Index 2026 maps 5 layers in Alan's stack: Payments / PSP (Stripe); Banking / BaaS (qonto); Insurance (Alan Insurance (in-house) and EuropAssistance); KYC (Onfido); Accounts Receivable (centime).
Alan was founded by Jean-Charles Samuelian-Werve and Charles Gorintin and is founded in 2016, headquartered in Paris, France.
Get a read on where your own stack stands against Alan and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.