Groupe Pasteur Mutualité

What Groupe Pasteur Mutualité does

Groupe Pasteur Mutualité (GPM) is a French mutual insurance company (mutuelle) founded in 1864 and headquartered in Paris, operated for and by healthcare professionals through a member-elected board. The organization federates 75 local and professional mutuals across France and serves 158,000 members protecting 180,000 persons, with a workforce of more than 400 employees and 170 specialized advisors. Its core business is subscription-based insurance covering complementary health, professional civil liability (RCP) up to €15 million per insurance year, prévoyance, savings and retirement, and personal lines (auto, home, pet, mortgage). Distribution operates through a hybrid model combining direct advisor relationships, phone and video consultation, online self-serve subscription portals (souscription.gpm.fr), student-association partnerships, and wholly-owned subsidiaries GPM Courtage (brokerage) and GPM Infirmiers (nurse-dedicated mutual).

The product portfolio is structured across dedicated sub-brands addressing distinct professional segments: GPM Hos° for hospital agents, Mutuelle du Médecin (MDM) for physicians, GPM Infirmiers for nurses, and modular formulas (Offre santé Jeunes/Actifs) with features such as connected-object reimbursement, Madelin-law tax advantages, and no medical selection for students. Revenue is generated through recurring insurance premiums billed monthly or annually, with pricing varying by coverage tier and professional segment. There is no proprietary technology platform or AI/ML capability disclosed; digital infrastructure consists of standard online subscription portals, member dashboards, and digital communication tools.

Recent strategic moves include a €35 million co-lead investment in FineHeart's Series C (medtech), the launch of Villa M as a Paris-based innovation and training hub, expansion of digital-first sub-brands, and formal partnerships with student bodies (ISNAR-IMG, ISNI, FNESI) and professional collectives (Femmes de Santé). The mutualist governance model, 160-year operating history, and peer-administered structure form the basis of customer acquisition and retention in a market where commercial insurers operate.

Name

Groupe Pasteur Mutualité

Legal name

Groupe Pasteur Mutualité

Website

https://gpm.fr

Company type

Private

Founded year

1864

Operating status

Operating

Headcount range

251–500 employees

Short description

Groupe Pasteur Mutualité is a French mutual insurance company serving 158,000 healthcare professionals across all medical, paramedical, and student segments with subscription-based health, liability, provident, savings, and personal-line insurance products, distributed through 170 advisors, digital portals, and 75 federated local mutuals.

Ownership category

akta.pro rank

Product category

Mutual Health and Professional Liability Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Group HMO Plans (FSAIAFAK)

Keywords

• Mutual health insurance
• Professional liability insurance
• Healthcare professional insurance
• Provident insurance coverage
• Retirement savings products

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Premiums: Groupe Pasteur Mutualité generates revenue through insurance premiums collected from its members. The company offers health insurance, provident/insurance products, civil liability insurance, savings and retirement products, and specialized insurance products (auto, home, pet) for healthcare professionals.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Groupe Pasteur Mutualité is a French mutual insurance group providing health, professional civil liability (RCP), provident, life, savings, and retirement insurance products exclusively to healthcare professionals (doctors, paramedicals, hospital practitioners, pharmacists, dentists, veterinarians, midwives, and students). Products are sold directly and online through 170 specialized advisors, a federation of 75 local mutuals, and digital subscription portals, with additional services such as concierge, replacement physician platform, and the Villa M innovation space.

Product overview

Groupe Pasteur Mutualité operates as a mutual insurance group serving healthcare professionals across France. The portfolio is organized as a multi-brand platform serving distinct professional segments (students, young professionals, paramedics, hospital practitioners, liberal physicians, midwives, veterinarians) with a comprehensive range of insurance and financial products. Core offerings include complementary health insurance (Offre santé Jeunes/Actifs/MDM/Hosπ), professional liability insurance (RCP/RCP-PJ), home and auto insurance, provident/prevoyance coverage, and savings/retirement products. Specialized sub-brands include GPM Infirmiers for nurses and Villa M as a collaborative innovation space. Products are distributed through online subscription portals, 170+ advisors, and partner networks, with underwriting support from partners including PANACEA ASSURANCES, Thélem assurances, and AGMF Prévoyance.

Differentiator

Problem solved

Functional benefit

Brands

• GPM Infirmiers: A mutual dedicated specifically to nurses, providing solidarity and mutual aid to member nurses in difficulty
• GPM Hosπ
• GPM COURTAGE
• Mutuelle du Médecin (MDM)

Products and services

• Offre GAV (Garantie des Accidents de la Vie) Life accident insurance with three formulas (Solo, Famille, Senior) covering everyday life accidents (sports, leisure, DIY, gardening) with indemnification up to €1,000,000, immediate coverage from 5% permanent disability, no medical questionnaire, and coverage possible up to 77 years.
• Offre santé Jeunes Three formulas of "responsible" complementary health insurance designed by and for young healthcare professionals, with modular coverage, connected object reimbursement up to €75, online health statements, no waiting periods (except for birth allowance), and fiscal advantage under the Madelin Law.
• Offre santé Actifs Five formulas of "responsible" complementary health insurance for active healthcare professionals, with modular and innovative coverage and connected object reimbursement up to €150.
• Offre RCP Jeunes Professional civil liability insurance for young healthcare professionals covering hospital internships, liberal replacements, and emergency assistance.
• Offre RCP Actifs Professional civil liability insurance for active healthcare professionals covering expertise activities, teaching, preceptorship, and emergency assistance.
• Mutuelle du Médecin (MDM) Two-approach complementary health coverage for physicians: a customized approach for personalized coverage and a 100% digital formula offering simplicity at competitive pricing.
• GPM Hospi 100% online complementary health insurance specifically adapted for hospital agents, with competitive pricing and enhanced dental and optical coverage.
• Assurance RCP/PJ Paramédical Libéral Professional civil liability insurance with legal protection for liberal paramedical professionals, covering up to €8 million per claim and €15 million per insurance year, with legal protection, e-reputation protection, and psychological assistance. Includes a 70% reduction for the first 2 years, then 35%.
• Assurance habitation Home insurance with five modular formulas (Déclic, Tonic, Dynamic, Confort, Zen) adapted to various needs from young renters to property owners, offered in partnership with Thélém assurances. Special offer for young healthcare professionals (Déclic) priced at €8/month (1 room) or €11/month (2 rooms).
• Offre chien & chat Pet insurance for dogs and cats covering veterinary expenses in case of illness or accident.
• Assurance auto Auto insurance with four modular formulas offering essential guarantees and optional coverage for safe driving, available to healthcare professionals.
• Assurance prêt immobilier Mortgage insurance offering personalized coverage at competitive rates for healthcare professionals.
• Assurance VIE Life insurance for savings and retirement planning, available to healthcare professionals.
• Épargne retraite Retirement savings products designed for healthcare professionals.
• Maintien de revenus Income maintenance insurance for healthcare professionals in case of work stoppage, providing continued income protection.
• Prévoyance Provident insurance covering death, disability, and invalidity protections for healthcare professionals.
• Assurance multirisque professionnelle Multi-risk professional insurance for healthcare practice premises, covering property and operational risks of a healthcare practice.
• Garanties exercice en groupe Insurance coverage tailored to group practice arrangements among healthcare professionals.
• Assurances santé et prévoyance collectives libéraux Collective health and provident insurance for liberal healthcare professionals, designed to be subscribed at the group/practice level.
• Mon médecin remplaçant Platform connecting healthcare professionals with replacement physicians for coverage during absences.
• GPM Infirmiers Dedicated mutual insurance sub-brand for nurses, providing solidarity and mutual aid to member nurses in difficulty.
• Conciergerie Concierge service for healthcare professionals providing personal and professional assistance.

Quantifiable outcome

• 158,000 healthcare professionals trust GPM for their insurance needs
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• FSESI (Fédération des Étudiants en Sciences Infirmières)coreStrategic or Co-development PartnerPartnership with student nursing association to support nursing students with information and insurance solutions tailored to their needs.
• ISNAR-IMG (InterSyndicale Nationale Autonome Représentative des Internes de Médecine Générale)coreStrategic or Co-development PartnerPartnership with the national autonomous representative intersyndicate of general medicine interns to support future doctors with specialized insurance products.
• ISNI (Intersyndicale Nationale des Internes)coreStrategic or Co-development PartnerPartnership with the national intersyndicate of medical interns to provide support and insurance solutions for physicians in training.
• FNESI (Fédération Nationale des Étudiants en Sciences Infirmières)coreStrategic or Co-development PartnerPartnership with the national federation of nursing students to support student nurses with insurance and mutual solutions.
• Convergences InfirmièresminorStrategic or Co-development PartnerPartnership with Convergences Infirmières professional organization to support and represent nurses.
• SNIIL (Syndicat National des Infirmières et Infirmiers Libéraux)minorStrategic or Co-development PartnerPartnership with SNIIL to support liberal nurses with specialized insurance products and professional representation.
• Femmes de SantéminorStrategic or Co-development PartnerGPM supports Femmes de Santé, the first multi-professional collective of women in the French healthcare sector with over 2,600 members, promoting gender equality and women's leadership in healthcare.
• Villa M (Fonds de Dotation)coreStrategic or Co-development PartnerVilla M is a project by Groupe Pasteur Mutualité to create a meeting and sharing place for healthcare professionals and curious visitors in the heart of Paris. The Villa M endowment fund develops training programs including 'Conflict Management and Prevention of Aggressions in Hospital Settings' developed with former RAID and GIPN members.
• M-SoignerminorStrategic or Co-development PartnerM-Soigner is a training organization supported by Groupe Pasteur Mutualité, offering professional development programs including 'Managing Patient Aggressiveness and Their Entourage' and other healthcare-focused training courses.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA France: Major French insurer offering health, life, home, auto, and professional liability products. Competes with GPM across multiple lines including healthcare professional liability.
• Matmut: French mutual insurer offering auto, home, health, and savings products to individuals and professionals. Competitor on home, auto, and savings lines.
• Malakoff Humanis: Major French group protection and health insurance provider covering employers and professionals, including healthcare-related segments. Larger, broader competitor.
• Allianz France: Large multi-line insurer with health, life, auto, home, and professional liability offerings, including solutions for healthcare professionals in France.
• Harmonie Mutuelle: One of France's largest mutuals offering health, provident, and savings products to a broad population including healthcare professionals. Larger, less specialized competitor.

Direct peers

• La Médicale: Insurance company specialized in liberal healthcare professionals (doctors, dentists, pharmacists) offering liability, health, and savings products. Direct competitor in the same customer base.
• MNH (Mutuelle Nationale des Hospitaliers): French mutual dedicated to hospital healthcare professionals and their families, providing health, provident, and savings products. Overlaps directly with GPM's hospital practitioner segment.
• MACSF (Mutuelle d'Assurance du Corps de Santé Français): Largest French mutual insurer dedicated exclusively to healthcare professionals, offering liability, health, life, and savings products. Most direct competitor to GPM with a comparable mutualist, profession-specific model.
• AGMF Prévoyance: French mutual focused on healthcare professionals and their families, offering complementary health, provident, and savings insurance. Comparable profession-targeted mutualist model.

Emerging players

• Alan: French digital health insurer offering simple, mobile-first complementary health insurance; expanding into professional segments. Digital-first challenger relevant to younger healthcare professionals.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/PasteurMutualite
• Facebookfacebook.com/groupepasteurmutualite
• LinkedInlinkedin.com/company/groupe-pasteur-mutualit%C3%A9
• Instagraminstagram.com/gpm_mutuelle

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Groupe Pasteur Mutualité