Alan Free tier

What Alan actually does

Alan is a licensed French complementary health insurance company (mutuelle), based in Paris, and its app is the interface to an actual insurance policy rather than a wellness layer sitting on top of someone else's cover. Most members are enrolled through an employer's group contract, though Alan also sells directly to freelancers, retirees, students, and public-sector workers.

The core product

Once someone is an insured member, the app is used to file claims by photographing a receipt, check exactly what a given care episode is covered for, message a nurse, and book telehealth consultations or find in-network practitioners through the app's Clinique Alan section. Coverage categories referenced on Alan's own site include hospitalisation, dental care, optical/vision care, and "médecine douce" (complementary or alternative care), with the specific mix and reimbursement levels depending on the plan. Employers negotiate the terms and price of group contracts, so what one employee gets can differ meaningfully from what another company's staff receive; individuals buying directly get their own plan options for their situation — freelancer, retiree, student, or public-sector worker.

What's new or notable

Alan has been transparent about at least one real security event relevant to a health insurer: in May 2026, its third-party payment processor Almerys suffered a cyberattack that exposed some members' names, birthdates, national ID numbers, and insurance contract details — Alan's own account states health information (care and reimbursement details) and banking data were not affected, and that its own systems experienced no intrusion. Alan notified France's data regulator (CNIL) within 72 hours and its own regulator (ACPR) within 24 hours, consistent with the incident-reporting rules that apply to a regulated insurer, and advised affected members to watch for phishing attempts. That kind of disclosure is itself a data point worth knowing about before trusting any insurer with sensitive information.

Who should use Alan

Great fit if…

• You're covered through a French employer — most members get Alan through a workplace group contract, which is the simplest way to access it.
• You're a French freelancer, retiree, or student shopping for a mutuelle — Alan sells individual policies directly to these groups with their own eligibility rules and pricing.
• You want claims and telehealth handled in one app — photographing a receipt to file a claim and booking a Clinique Alan consultation from the same place is a real convenience over paper-based mutuelles.

Skip it if…

• You're not covered in France, Belgium, or Spain — Alan's footprint outside those markets is still limited, so it's a poor fit as a general European health app.
• You want a free wellness tool — there is no meaningful free tier; the app is only functional as a claims and coverage tool once you actually hold an Alan policy.
• You want one published price to compare against other insurers — premiums vary by organisation, age band, and coverage level rather than following a single listed individual price.

Pricing in detail

Neither Alan's public pricing page nor a search of current third-party pricing guides turned up one fixed, published premium — the company confirms only that pricing depends on which of the following tracks applies to you, and quotes are generated individually rather than listed as flat figures.

Where it falls short

• Insurance-only value — because Alan is fundamentally an insurance product, not a free wellness tool, most people get no value from the app unless they already hold a policy.
• Employer sets the terms for most members — employees don't choose their own plan or price; the employer negotiates the group contract, so coverage varies significantly company to company.
• Limited footprint outside France — coverage in Belgium and Spain exists but is comparatively small next to Alan's French base, making it a weaker fit as a general-purpose European option.
• Relies on third-party processors that can be a weak point — the May 2026 Almerys breach shows that even when Alan's own systems are not compromised, a third-party payment partner handling claims data can still expose personal information.

Privacy & data

Alan states it encrypts data at rest and in transit, using TLS 1.2 or higher and enforcing HTTPS/HSTS across its web services, with medical clinic conversations receiving end-to-end encryption. All production infrastructure runs on EU cloud servers — AWS Frankfurt as primary, AWS Paris as backup — with none of Alan's own premises used for storage. As a regulated insurer under ACPR oversight, Alan says it acts as an independent data controller, keeps records of processing activities and data protection impact assessments, and holds ISO 27001:2022 certification; retention periods it cites follow insurance-law timelines, including two years for healthcare claims records and ten years for disability-related records. The May 2026 breach at third-party processor Almerys is the clearest recent test of these controls in practice: Alan reports health and payment data were not exposed in that incident, though names, birthdates, national ID numbers, and contract details were. Alan's own data-rights guidance also notably instructs members never to email actual health documents to its general data-request address, which is a reasonable practical precaution rather than a weakness by itself.

How we checked this

This review draws on Alan's pricing page (alan.com/pricing), its dedicated security and data-protection page (alan.com/fr-fr/privacy/securite-protection-donnee), and its own public blog disclosure of the May 2026 Almerys security incident, all reviewed on 4 September 2026. We did not hold an active Alan policy or file a claim ourselves as part of this review; the description of app features and claims flow is drawn from Alan's own product and help documentation, not hands-on use as an insured member. Premiums are individually quoted, so anyone comparing cost should get a direct quote from Alan rather than relying on any figure here.

What you get, what you give up