France Health Insurance Market (GWP) To Reach $220.96 Billion By 2030

France Health Insurance Market Growth & Trends

The France health insurance market size in terms of gross written premium (GWP) is estimated to reach USD 220.96 billion in 2030 and is expected to grow at a CAGR of 2.93% from 2025 to 2030. Robust government support, increasing health insurance awareness, and high disposable income are major factors driving the health insurance market in France. The government of France supports the health insurance market by offering a universal healthcare system, and the private and public health insurance sector complements it.

The increasing adoption of private health insurance in the country is a major factor driving the market growth. According to the European Observatory on Health Systems and Policies, about 95% of people have access to voluntary health insurance (VHI), with 10.5% of people receiving means-tested subsidies and 8% of lower-income people receiving full subsidies. Private health insurance minimizes out-of-pocket expenses for medical treatment by essentially providing first-Euro coverage for medical services and prescription medications. Additionally, more comprehensive contracts considerably lower the price of commodities like eyeglasses, contact lenses, and dental procedures. Several studies suggest that the use of health care in France is strongly impacted by complementary health insurance.

Furthermore, increasing healthcare costs and the aging population in the country are some of the factors boosting the demand for health insurance. According to the World Data Atlas, in France, there were 21.7% of people 65 and over in 2022. The population over 65 is expanding at an average yearly rate of 1.01%. Aging increases the risk of chronic diseases such as heart disease, dementia, arthritis, type 2 diabetes, and cancer. Thus, the aging population in the country is increasing the demand for health insurance as the elderly require more medical treatment and care.

To increase the adoption of their private insurance plans in the country, major private companies in the France health insurance industry also engage in a number of strategic efforts, including the introduction of new policies, collaborations, mergers, and acquisitions. For instance, in February 2022, Alan announced that it is growing its business in two separate ways: first, the company decided to sell its infrastructure and tech stack to other insurance firms, and second, it wants to add new services to make its insurance app into a health super app.With this new initiative, known as Alan-as-a-service, Alan essentially offers all of the services essential to manage health insurance in France.

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France Health Insurance Market Report Highlights

• Based on insurance type, the public segment dominated the market and accounted for the largest revenue share of 76.80% in 2024.

• Based on policy type, the corporate segment dominated the market and accounted for the largest revenue share of 80.55% in 2024.

• Retail policy type segment is anticipated to register significant growth over the forecast period, driven by the growing regulatory changes shaping the health insurance landscape.

France Health Insurance Market Segmentation

Grand View Research, Inc. has segmented the France health insurance market based on the insurance type, policy type, and distribution channel:

France Health Insurance Type Outlook (Revenue, USD Billion, 2018 - 2030)

• France Health Insurance Market (Gross Written Premiums (GWP))

  • Public

    • By Policy Type

      • Corporate Policy

      • Retail Policy

    • By Distribution Channel

      • Employer-Based Enrollment

      • Direct Enrollment via Public Health Insurance Funds

      • Other Channels (Digital, Family Insurance Enrollment, Special Membership)

  • Private

    • By Policy Type

      • Corporate Policy

      • Retail Policy

    • By Distribution Channel

      • Exclusive Agents

      • Brokers/Independent Advisors

      • Direct Sales (Online/Phone)

      • Banks and Partnerships

      • Salaried Sales Force

• France Health Insurance Market (New Business Premiums (NBP))

  • Public

  • Private

France Health Insurance (GWP) Policy Type Outlook (Revenue, USD Billion, 2018 - 2030)

• Corporate Policy

• Retail Policy

France Health Insurance (GWP) Distribution Channel Outlook (Revenue, USD Billion, 2018 - 2030)

• Traditional Distribution Channels

• Digital/ Online Distribution Channels

List of Key Players in the France Health Insurance Market

• Allianz France

• Generali France

• AXA

• Covea

• Credit Agricole

• Groupama-Gan

• Crédit Mutuel

• Mutuelle d'Assurances des Artisans de France (MAAF)

• La Maif

• Mutuelle Verte

• CNP Assurances

• Mutualité Française