What AÉSIO mutuelle does

AÉSIO mutuelle is a French mutual insurance company (mutuelle) governed by the Code de la Mutualité and affiliated with the Mutualité Française. Founded in 2016 and headquartered in Paris, it serves approximately 2.1 million members across France through a multi-channel distribution model that combines a nationwide network of physical agencies, an online quote platform (devis.aesio.fr), dedicated digital portals for different member types (individuals, enterprises, professionals, elected officials, brokers), and a territorial structure with elected member representatives. The organization is part of Aéma Groupe, a larger mutual insurance alliance, and operates subsidiaries including AÉSIO Santé (a network of 240 healthcare establishments and services) and La Fondation AÉSIO (a mental-health-focused foundation).

The company's core offering is supplemental health insurance (Complémentaire santé) segmented across three primary customer groups: Particuliers (individuals and families), Indépendants/TNS (self-employed professionals), and Entreprises (businesses providing employee health coverage). Beyond core health, the product portfolio extends to prévoyance (death/disability protection), savings and retirement products (Épargne et retraite), and property/casualty insurance (auto and home). Digital services include the AÉSIO&Moi member platform, the AÉSIO Mag content platform with podcasts and segmented newsletters, and telemedicine remote medical consultations. Certifications include ISO 9001 (AFAQ) and Certif Relation Client from AFRC.

Revenue mechanics are subscription-based, with monthly billing cadences and pricing determined by risk profile, coverage level, and segment. The company also derives contributions to a solidarity fund (Fonds de solidarité) that supports members facing healthcare access difficulties. Distribution combines direct field sales for enterprise clients, self-service digital quoting for individuals and SMBs, and a broker/courtier channel for corporate distribution. The business is supported by an extensive sports sponsorship portfolio (including RC Lens, Montpellier Handball, Basket Landes) and social-solidarity partnerships (Les Clowns stéthoscopes, Audition Solidarité, UNISOAP, and others) that reinforce the mutualist brand positioning around community, prevention, and accessibility.

Name

AÉSIO mutuelle

Legal name

AÉSIO mutuelle

Website

https://ensemble.aesio.fr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

AÉSIO mutuelle is a French mutual insurance company serving 2.1 million members with supplemental health, prévoyance, savings, and auto/home products, distributed through physical agencies, digital platforms, and brokers across France. It operates the AÉSIO Santé network of 240 healthcare establishments and is part of Aéma Groupe.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Hospital & Medical Service Plans (6324), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industry

Worksite Hospital Indemnity Insurance (FSAIAMAB)

Keywords

• Supplementary health insurance
• Mutual insurance services
• Provident insurance products
• Corporate health coverage
• Savings and retirement plans

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Supply Chain

Revenue model

1. Health Insurance Premiums: Subscription-based health and supplemental insurance premiums collected from individual members (particuliers), self-employed professionals (indépendants), and businesses (entreprises). Revenue is recurring in nature as members pay regular premiums for coverage.
2. Supplementary Insurance Products: Additional insurance products including auto, home, provident/ prévoyance, and savings/retirement offerings that complement core health coverage.
3. Solidarity Fund Contributions: Social action fund supported by members' contributions, providing assistance to members facing healthcare access difficulties.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

AÉSIO mutuelle is a French mutual insurance company that sells supplementary health insurance (Complémentaire santé), provident/death-and-disability insurance (Prévoyance), savings and retirement products (Épargne et retraite), and property insurance (Auto, Habitation) to individuals, self-employed professionals (Indépendants/TNS), and businesses (Entreprises). The mutual operates 240 healthcare establishments and services through its subsidiary AÉSIO Santé and delivers member services through a combination of regional physical agencies, digital self-service portals, telemedicine, and a solidarity fund.

Product overview

AÉSIO mutuelle operates as a mutual health insurance company offering a comprehensive portfolio of insurance and protection products organized into three main segments: Particulier (individuals), Indépendant (self-employed/TNS), and Entreprise (businesses). Core offerings include health insurance (Complémentaire santé), provident insurance (Prévoyance), savings and retirement (Épargne et retraite), and auto/home insurance (Assurances). The company supplements its insurance products with digital services including an online member portal (Mon espace adhérent), the AÉSIO Mag content platform, remote medical consultation, and a solidarity fund for members in need. AÉSIO mutuelle is part of the Aéma Groupe and serves 2.1 million members across France through a network of local agencies and regional territories.

Differentiator

Problem solved

Functional benefit

Brands

• AÉSIO&Moi: Member engagement program with local encounters and representative meetings
• Fonds de solidarité
• Waliceo

Products and services

• Complémentaire santé (Particulier) Supplementary health insurance product for individuals and families, providing coverage for medical expenses, hospitalization, and healthcare services not fully reimbursed by French Sécurité Sociale.
• Complémentaire santé (Indépendant / TNS) Health insurance product designed specifically for self-employed professionals (Travailleur Non Salarié) and independent workers in France.
• Complémentaire santé (Entreprise) Group health insurance plans for French businesses providing employee health coverage, typically structured under mandatory employer-sponsored coverage rules.
• Prévoyance Provident and death/disability insurance products providing financial protection for individuals, families, self-employed professionals, and businesses in case of unforeseen events.
• Épargne et retraite Savings and retirement planning products for individuals, self-employed professionals, and businesses to build long-term financial security.
• Assurances Auto et Habitation Vehicle (auto) and home (habitation) insurance products providing coverage for property damage and liability for individuals.
• Mon espace adhérent Online member portal providing 24/7 access to policy information, reimbursement tracking, and account management for AÉSIO mutuelle members.
• AÉSIO Mag Digital content platform offering health information articles, wellness tips, podcasts, and themed newsletters covering women's health, mental health, aging, environment, and prevention.
• AÉSIO Santé Network of 240 healthcare establishments and services (hospitals, clinics, healthcare facilities) operated by the AÉSIO group's subsidiary.
• Consultation médicale à distance Remote medical consultation (telemedicine) service enabling AÉSIO mutuelle members to consult healthcare professionals via digital channels.
• Fonds de solidarité Solidarity fund providing financial assistance to AÉSIO mutuelle members experiencing exceptional healthcare expenses or financial hardship, supported by member contributions.
• AÉSIO&Moi Member engagement program organizing local encounters and representative meetings to maintain proximity between AÉSIO mutuelle and its members across the territories.

Quantifiable outcome

• 2.1 million members served across France
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

35 partnerships are on record, tiered core and minor.

• RC LenscoreGTM or Marketing Partner · 1 January 2017Premium partner since 2017, supporting the club's social and societal initiatives including the women's team, Cécifoot team, and Racing Cœur de Lens Foundation. Actions include prevention quizzes, alcohol tester distribution, and support for hospitalized children through robot 'Awabot'.
• Stade Athlétique de Bourg-en-Bresse (SAB)coreStrategic or Co-development Partner · 1 January 2015Historic partner for over 15 years, promoting youth development and rugby values. Joint nutrition and wellness workshops for players and families, including inter-generational events.
• Pays Voironnais Basket Club (PVBC)coreGTM or Marketing PartnerExclusive women's basketball club partner since 2012. Nutritional support for young athletes in training center, October Rose breast cancer awareness video campaign, and Basket Santé sessions for senior members.
• Montpellier Handball / Montpellier ReinecoreStrategic or Co-development PartnerPartner of the Montpellier Reine breast cancer awareness race since 2008. The 2025 edition collected €1.15 million for cancer research. Over €1 million raised since inception.
• Basket LandescoreGTM or Marketing PartnerLong-standing partner supporting women's basketball. Actions include sports clothing collection drives, breast cancer awareness events, and sport-for-all initiatives.
• Festival d'AvignonminorStrategic or Co-development PartnerPartnership for 'Ex Utero' theatrical performance raising awareness about cervical cancer prevention, performed by Sabrina Nanni across various venues including Avignon, Toulouse, Nîmes, Montpellier, and Gap.
• Les Clowns stéthoscopescoreStrategic or Co-development PartnerAssociation of professional clowns intervening in hospitals and nursing homes. Partners since 2021, reaching 3,500 children and 1,500 elderly residents annually. Cultural activity supporting health and wellbeing in care settings.
• ATMO Hauts-de-FranceminorStrategic or Co-development PartnerRegional air quality observatory raising awareness about air quality impacts on health among members in the Hauts-de-France region.
• EMERAcoreStrategic or Co-development PartnerAssociation providing cancer patient comfort through support care and awareness during Rose running events in Valenciennes. Long-standing partnership supporting cancer awareness.
• La Prod FactoryminorStrategic or Co-development PartnerWinner of Prix ESSisation AÉSIO mutuelle 2025. Human production school supporting youth reintegration through manufacturing trades. Represents commitment to ESS values.
• ZicomaticminorStrategic or Co-development PartnerAssociation using music and culture as vectors for social inclusion. Supported for 10 years, bringing cultural activities to vulnerable populations.
• UNISOAPminorStrategic or Co-development PartnerRecycles hotel soaps to provide hygiene access for vulnerable populations. Hygiene kits provided to association Stellis supporting women with cancer or in precarious situations.
• Equilibr'émoiminorStrategic or Co-development PartnerAssociation specializing in support for obese individuals, part of health prevention initiatives for specific populations.
• Landes PartageminorStrategic or Co-development PartnerAssociation facilitating professional reintegration for people in precarious situations. Partner in sports clothing collection initiative in Nouvelle-Aquitaine.
• Le Ressort EBEminorStrategic or Co-development PartnerWinner of Défis ESS 2024 AÉSIO mutuelle Nouvelle-Aquitaine. Company recruiting without criteria people permanently excluded from employment. Partner in clothing collection.
• Girondins de Bordeaux Bastide Handball ClubcoreGTM or Marketing PartnerSports partner in Nouvelle-Aquitaine. Joint actions including anti-food waste cooking workshops for children and sports clothing collection drives.
• Limoges HandballminorGTM or Marketing PartnerSports partnership promoting access to sport, citizenship, solidarity, and sharing.
• Audition SolidaritéminorStrategic or Co-development PartnerRecycles hearing aids for hearing-impaired people in precarity in France and abroad. Unique in France as hearing aid recycling center.
• Génération Avant-gardeminorStrategic or Co-development PartnerAssociation supporting amputees in continuing physical activity through sports equipment. AÉSIO contributed to providing running blade to member Carole.
• Les Petits Chanteurs et le Chœur de filles de la Maîtrise de BordeauxminorStrategic or Co-development PartnerMusic education association democratizing access to culture for young people and families with modest incomes.
• ASSE Cœur-Vert (football wheelchair team)minorGTM or Marketing PartnerWheelchair football team supported by Groupe AÉSIO. Team competes in official French championship.
• Association Zonta Nîmes RomainesminorStrategic or Co-development PartnerOrganizer of La Zontienne running event during October Rose. Partnership supporting breast cancer awareness and screening.
• Ciel et Blanc Rugby (Racing 92)minorStrategic or Co-development PartnerAssociation of former Racing 92 rugby players. Partnership providing platform for member support and professional reconversion assistance.
• Les BurdisminorGTM or Marketing PartnerSports partner in Nouvelle-Aquitaine supporting sport-for-all and inclusive initiatives.
• StellisminorStrategic or Co-development PartnerAssociation supporting women with cancer or in precarity. Received hygiene kits from UNISOAP partnership.
• Aéma GroupecoreOthersAÉSIO mutuelle is part of Aéma Groupe, an alliance creating a mutualist group combining multiple insurance and mutual health entities for mutual strength and future development.
• Mutualité FrançaiseminorOthersNational federation representing French mutual insurance organizations. AÉSIO adheres to federation standards and certifications.
• USAM NîmesminorGTM or Marketing PartnerSports partnership for environmental awareness events (Green Planète) mobilizing public on waste issues.
• JL BourgminorGTM or Marketing PartnerBasketball club partner in October Rose awareness actions.
• Les Brûleurs de loupsminorGTM or Marketing PartnerIce hockey club partner in October Rose awareness actions.
• Oyonnax RugbyminorGTM or Marketing PartnerRugby club partner in October Rose awareness actions.
• Soc RugbyminorGTM or Marketing PartnerRugby club partner in October Rose awareness actions.
• EXCELIAminorStrategic or Co-development PartnerCo-organizer of 'DESSinons Demain' ESS event at La Rochelle, gathering 300+ participants with 10 interactive workshops.
• CHU de MontpellierminorStrategic or Co-development PartnerBeneficiary of Montpellier Reine funds for cancer research and support.
• ICM (Institut du Cancer de Montpellier)minorStrategic or Co-development PartnerBeneficiary of Montpellier Reine funds for cancer research.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA France: French arm of global insurer AXA, offering health, life, auto, home, and prévoyance products. Comparable to AÉSIO on product breadth and target segments, but operates as a listed incumbent with broader distribution and deeper capital base.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, distributing health, life, and P&C products through the bank's network. Comparable to AÉSIO on corporate health offerings and multi-channel distribution, but with substantially larger scale.
• CNP Assurances: Major French personal insurance player (life, health, prévoyance, retirement) historically tied to La Banque Postale and Caisse des Dépôts. Comparable to AÉSIO on health and prévoyance products for individuals and enterprises, but at much larger scale and with a different ownership structure.
• SwissLife France: French subsidiary of Swiss Life, providing health, prévoyance, savings/retirement, and property insurance. Comparable to AÉSIO on multi-line offering and corporate client focus, with broader geographic footprint and listed parent.

Emerging players

• Alan: French digital-first health insurance provider targeting individuals and SMEs with a streamlined app-based experience. Comparable to AÉSIO on the Complémentaire santé market and self-employed/enterprise segments, but competing on digital UX and pricing rather than physical presence or mutualist values.

Direct peers

• Malakoff Humanis: Major French mutual group resulting from the merger of Malakoff Médéric and Humanis, providing health, prévoyance, retirement, and savings products. Closely comparable to AÉSIO on product mix, segment focus (individuals, independents, enterprises), and mutualist governance.
• MGEN: Large French mutuelle historically serving the education sector, now open to a broader public, offering santé, prévoyance, and related services. Comparable to AÉSIO on mutualist model, health-insurance-led offering, and nationwide French footprint.
• Harmonie Mutuelle: One of the largest French mutuelles offering Complémentaire santé, prévoyance, and savings. Directly comparable to AÉSIO as a member-owned mutual insurer serving individuals, professionals, and enterprises under the same Code de la Mutualité framework.
• Groupe VYV: Leading French mutualist group combining multiple mutuelles (including Harmonie, MGEL, SMACL). Comparable to AÉSIO/Aéma in offering health, prévoyance, and care delivery services through a mutual governance structure across France.
• La Mutuelle Générale: French mutuelle providing Complémentaire santé, prévoyance, and savings products to individuals, professionals, and corporate clients. Directly comparable to AÉSIO on product portfolio and member-owned governance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AesioMutuelle
• YouTubeyoutube.com/c/AESIOmutuelle
• Facebookfacebook.com/aesiomutuelle
• LinkedInlinkedin.com/company/10849031
• Instagraminstagram.com/aesiomutuelle

Compliance2 records

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

Investments

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

Frequently asked questions about AÉSIO mutuelle