Avenir Sante Mutuelle

What Avenir Sante Mutuelle does

Avenir Sante Mutuelle is a French société mutualiste (mutual insurance organization) governed by Book II of the Code de la mutualité, headquartered in Versailles and serving members primarily in Île-de-France. Founded in 1943 by Artisans, the company is an adherente of the Fédération Nationale de la Mutualité Française (FNMF) and operates under ACPR prudential supervision. Its core function is to provide complémentaire santé (supplementary health insurance) that supplements French Sécurité Sociale reimbursements, alongside prévoyance (death, disability, loss of autonomy) products, hospital-specific coverage, and surcomplémentaire top-up plans.

The company's product portfolio is organized by segment: Gamme jeunes, Gammes particuliers, Gammes indépendants, and Gammes entreprises et collectivités, plus specialized conventions collectives for the Boucherie, HCR, Automobile, Syntec, and Immobilier sectors. Service-layer products include Angel (24/7 teleconsultation), Assistance (hospital transport, medication delivery, home schooling, pet care), and the Kalixia healthcare provider network enabling tiers payant direct-billing across 7,000+ opticians, 4,500+ audiologists, 5,200+ dentists, and 500+ osteopaths. Technology operations are not proprietary; the company relies on a third-party online subscription platform (alto.cimut.net), member portals (monespacepersonnel.cimut.net), and partner-hosted services.

The revenue model is subscription-based recurring premiums across individual, TNS (indépendants), and B2B contracts, with quote-based pricing and billing typically monthly. Acquisition is multi-channel: direct online subscription (24/7), physical agency network in Île-de-France, telephone sales, B2B direct sales for conventions collectives, and a referral program (Parrainage) offering €30-€120 vouchers. As a non-profit mutual, the entity reinvests surpluses for member benefit rather than distributing equity; no external funding rounds, M&A activity, or investor capital are disclosed. The company employs 11-50 staff and has no disclosed financial figures.

Name

Avenir Sante Mutuelle

Legal name

AVENIR SANTÉ MUTUELLE

Website

https://avenirsantemutuelle.fr

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

11–50 employees

Short description

Avenir Sante Mutuelle is a French non-profit mutual insurance organization (société mutualiste), founded in 1943 and headquartered in Versailles, providing supplementary health insurance, prévoyance, and related services to individuals, families, seniors, independent professionals, and businesses primarily in Île-de-France, as a member of the FNMF federation.

Ownership category

akta.pro rank

Headquarters

HQ city

Versailles

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Subscriptions: Core revenue from mutual health insurance (complémentaire santé) subscriptions for individuals, independent professionals, and businesses. Subscription-based recurring revenue model with monthly or annual billing.
2. Prévoyance (Death & Disability Coverage): Supplemental prévoyance products providing financial protection in case of death, accident, or loss of autonomy. Includes PREVIS ACCIDENT product offering capital protection.
3. Supplementary Insurance Products: Additional insurance products including hospitalization coverage, surcomplémentaire (top-up) insurance, and specialized coverage for specific healthcare needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Avenir Sante Mutuelle is a French mutual insurance company (société mutualiste) founded in 1943 that provides complementary health insurance (complémentaire santé) and prévoyance (death, disability, and loss of autonomy) products to individuals, families, young adults, seniors, independent professionals, businesses, and public bodies. Its portfolio includes segmented health plans (young, individual, independent, corporate), top-up and hospitalization coverage, a personal accident product (PREVIS ACCIDENT), and value-added services such as 24/7 teleconsultation (Angel), assistance services, and a partner healthcare provider network (Kalixia) with negotiated rates and third-party payment.

Product overview

AVENIR SANTÉ MUTUELLE offers a comprehensive health insurance platform organized across multiple product lines targeting distinct customer segments: Gamme jeunes for young people, Gammes particuliers for individuals and families, Gammes indépendants for self-employed professionals, and Gammes entreprises et collectivités for businesses and local authorities. The portfolio includes core health insurance products supplemented by additional offerings such as Prévoyance (life and disability insurance), Gamme hospitalisation (hospital coverage), and Gamme surcomplémentaire (supplementary coverage). Premium services include Angel (teleconsultation with medical specialists available 24/7), Assistance services, and Kalixia (a network of affiliated opticians, audiologists, dentists, and osteopaths offering preferential rates and direct billing). The company also offers specialized collective agreement solutions for sectors including butchery, hospitality, automotive, Syntec, and real estate.

Differentiator

Problem solved

Functional benefit

Brands

• Angel: Teleconsultation and medical assistance service included in all health contracts, providing access to generalists and specialists by phone or video, second medical opinion, psychological support line, and medication delivery.
• PREVIS ACCIDENT
• Kalixia
• Assistance

Products and services

• Gamme jeunes Health insurance products specifically designed for young people, covering essential healthcare needs at accessible rates for those starting their independent professional lives.
• Gammes particuliers Health insurance products for individuals and families that supplement mandatory French social security, improving reimbursement levels for medical, dental, optical, and hospital expenses.
• Gammes indépendants Health insurance products tailored for self-employed professionals (artisans, traders, liberal professions), with coverage adapted to their professional risks and tax advantages under the Loi Madelin.
• Gammes entreprises et collectivités Health insurance products for businesses and local authorities providing employee coverage and meeting employer obligations under the 2016 ANI law.
• Gammes prévoyance Prévoyance products providing financial protection in case of death, disability, or loss of autonomy, complementing health insurance coverage.
• Gamme hospitalisation Hospitalization-specific coverage providing enhanced benefits for hospital stays, surgeries, and related medical expenses.
• Gamme surcomplémentaire Top-up coverage designed to further reduce or eliminate out-of-pocket expenses beyond standard complementary health insurance.
• PREVIS ACCIDENT Accident insurance providing a 30,000 EUR capital benefit in case of death or total permanent loss of autonomy due to accident, with worldwide 24/7 coverage, available from 3.20 EUR per month.
• Gammes Conventions Collectives Specialized health insurance solutions for specific industries including butchery, hotels/restaurants, automotive, Syntec, and real estate, meeting collective agreement requirements.
• Angel (teleconsultation service) Teleconsultation service included in all health contracts, providing 24/7 access to general practitioners and specialists via phone or video, online prescriptions, second medical opinion, and psychological support.
• Assistance services Assistance services including hospital transport organization, medication delivery, home schooling, childcare for sick children, pet care, home help, and coverage of medical expenses abroad.
• Kalixia (partner provider network) Network of affiliated healthcare providers including 7,000+ opticians, 4,500+ audiologists, 5,200+ dentists, and 500+ osteopaths offering preferential rates, direct billing, and quality-guaranteed care.

Quantifiable outcome

• Coverage available from first day of membership
• +2 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• FNMF (Fédération Nationale de la Mutualité Française)coreStrategic or Co-development PartnerAVENIR SANTÉ MUTUELLE is an adherente (member) of FNMF, the largest mutual health insurance federation in France protecting over 38 million people. This affiliation provides access to FNMF resources, network benefits, and represents the company's foundational governance structure as a mutual insurance organization.
• KalixiacoreTechnology or IntegrationKalixia is the healthcare provider network partner offering access to over 7,000 opticians, 4,500+ audiologists, 5,200+ dentists, and 500+ osteopaths. Members benefit from preferential pricing, third-party payment (no advance payment), and quality-guaranteed services.
• GEBS (Groupement des Entreprises des Boucles de Seine)minorOthersMember of the Groupement des Entreprises des Boucles de Seine, a business association in the Seine river loop region of Île-de-France.
• Mutualité FrançaisecoreStrategic or Co-development PartnerOfficial partner through FNMF affiliation. Mutualité Française is the umbrella organization for mutual health insurers in France, providing advocacy, resources, and network benefits.
• Angel (Teleconsultation Service)coreTechnology or IntegrationAngel is a teleconsultation and health services platform included in all health contracts. Provides 24/7 access to generalists and specialists via phone or video, online prescriptions, and psychological support services.
• Ameli (Assurance Maladie)minorOthersOfficial health insurance partner referenced as a useful link for members. Ameli.fr is the official French health insurance website for social security reimbursements and CEAM (European Health Insurance Card) requests.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths1 record

Weaknesses4 records

Competitive moat5 records

Customer concentration

• Facebookfacebook.com/AVENIRSANTEMUTUELLE
• LinkedInlinkedin.com/company/avenir-sante-mutuelle

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Avenir Sante Mutuelle