Groupe Mutualia
Groupe Mutualia is a French mutualist insurance group covering approximately 600,000 members with complementary health and providence insurance, distributed through 117 agencies, a digital portal, and three regional entities across mainland France and overseas territories.
- Company typePrivate
- Founded1990
- HeadquartersBobigny, France
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Groupe Mutualia does
Groupe Mutualia is a French mutualist insurance group (Union Mutualiste de Groupe) governed by Book I of the Code de la Mutualité and headquartered in Bobigny, France. Founded in 1990 from agricultural mutual roots, the group today covers approximately 600,000 members across mainland France and its overseas territories (Guyane, Martinique, Guadeloupe, La Réunion, Mayotte). It distributes complementary health insurance (mutuelle santé) and providence/death-and-disability coverage (prévoyance) through 117 physical agencies, a digital self-service platform at espace.mutualia.fr, and a centralized telephone sales channel, organized into three regional entities: Mutualia Alliance Santé, Mutualia Grand Ouest, and Mutualia Territoires Solidaires, with a captive reinsurance arm (L'Union de Réassurance Mutualia).
The group's product suite is segmented by customer profile through approximately nine sub-brands: Zen'protect and Zen'protect famille and Zen'protect senior target young couples, families, and seniors; Agri'Protect+ and the retiree offering target agricultural operators and retired farmers; Mutualia Vivactiv' Santé Pro and Vivactiv' Santé serve self-employed professionals and businesses; Mutualia Agents Territoriaux, Mutualia Santé des Territoires, and the mairie offer cover territorial agents, municipalities, and local residents; and Mutualia Hospi covers providence for the general population. Coverage spans optical, dental, hearing, hospitalization, occupational health risks (with a Mutualia-ADquation cited figure that 25% of farmers suffer hearing problems), and 100% Santé compliant contracts including wheelchairs and capillary prostheses from 2026. The technological underpinning is largely undifferentiated: the company does not publicly disclose a proprietary technology stack, AI/ML systems, or patents, and member services rely on standard third-party payer (tiers payant) infrastructure, an online quote and electronic-signature funnel, and a member self-service portal.
Mutualia makes money through recurring subscription premiums collected primarily via SEPA direct debit on a monthly cadence, with pricing quote-based and varying by subscriber profile, age, coverage level, and French department. As a mutualist insurer, it has no external shareholders, no parent company, no venture or private equity sponsors, no public ticker, and no disclosed revenue figure; surpluses are reinvested into benefits or reserves. The group executes a 2024-2027 strategic plan anchored in proximity, solidarity, humanism, and democracy, with sponsorship and patronage activities (e.g., JNM 2025, TIEA 2026) supporting community and agricultural segment engagement. Leadership is governed under a President (currently Michel Heimann, President of UMG Mutualia), and the operational scale (251-500 employees, 117 agencies, three regional HQs in Arras, Vannes, and Grenoble plus the Bobigny headquarters) is consistent with a mid-cap national mutual insurer.
Groupe Mutualia firmographics
Firmographics- Name
- Groupe Mutualia
- Legal name
- UMG Mutualia
- Website
- https://mutualia.fr
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Groupe Mutualia is a French mutualist insurance group covering approximately 600,000 members with complementary health and providence insurance, distributed through 117 agencies, a digital portal, and three regional entities across mainland France and overseas territories.
- Ownership category
- akta.pro rank
Groupe Mutualia industry classification
Industry- Product category
- Mutual Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120)
- SIC
- Services-Membership Organizations (8600)
- akta.pro primary industry
- Fully Insured Small Group Plans (HLAEAAAB)
- akta.pro secondary industries
- Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Small Group Health Insurance (2–50/100) (FSAIAFAD)
Keywords
Where Groupe Mutualia is headquartered
LocationHeadquarters
- HQ city
- Bobigny
- HQ country
- France
- HQ region
- Europe
Offices5 records
Markets served
Groupe Mutualia business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Health Insurance Premiums: Mutualia generates revenue through subscription-based health insurance premiums from individuals, farmers, businesses, self-employed professionals, and local government employees. Premiums are paid through SEPA direct debit on a regular billing cycle.
- Providence/Death & Disability Insurance Premiums: The company also offers providence coverage (prévoyance) that protects income and families in case of unexpected events, generating additional recurring premium revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Quote-based pricing tailored to individual circumstances and coverage needs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Groupe Mutualia product offering
Product offeringCore offering
Groupe Mutualia is a French mutual insurance group (Union Mutualiste de Groupe) that provides complementary health insurance (mutuelle santé) and provident/prévoyance (death, disability, income protection) coverage. Products are sold under named brands tailored to individuals, families, seniors, farmers, self-employed professionals, businesses, and local government/territorial communities through three regional entities and a national network of 117 agencies.
Differentiator
Problem solved
Functional benefit
Brands
- Zen'protect: Complementary health insurance offer for young people and couples
- Mutualia Hospi
- Zen'protect famille
- Zen'protect senior
- Agri'Protect +
- Mutualia Vivactiv' Santé Pro
- Mutualia Vivactiv'Santé
- Mutualia Agents Territoriaux
- Mutualia Santé des Territoires
Products and services
- Zen'protect
Quantifiable outcome
- According to a Mutualia-ADquation study, 25% of farmers suffer from hearing problems, highlighting the need for targeted occupational health coverage
Companies that use Groupe Mutualia
Customer profileSegments5 records
Ideal customer profiles5 records
Groupe Mutualia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Groupe Mutualia partnerships and signals
Strategic signalScale indicators3 records
Recent moves4 records
Expansion highlights5 records
Groupe Mutualia competitors and assessment
Company assessmentDirect peers
- Harmonie Mutuelle: One of France's largest complementary health mutuelles, providing santé and prévoyance coverage to individuals, businesses, and public sector employees. Most direct French mutualist competitor to Mutualia across overlapping customer segments (particuliers, entreprises, agents territoriaux).
- MGEN (Mutuelle Générale de l'Education Nationale): Major French mutuelle offering complementary health, prévoyance, and dependency coverage with a strong public-sector and education professional base. Directly comparable mutualist model serving individuals, families, and public employees with both santé and prévoyance products.
- Malakoff Humanis: Leading French group protection specialist offering health, prévoyance, and retirement savings to enterprises and individuals. Direct competitor in the collective (entreprise and conventionnelle) health and prévoyance market that Mutualia serves with its Vivactiv' Santé and standard/conventionnelle offers.
- AG2R La Mondiale: Major French mutual insurance group providing health, prévoyance, and retirement solutions to individuals, businesses, and seniors. Comparable mutualist structure, multi-segment strategy, and product breadth directly overlapping with Mutualia's santé, prévoyance, and senior (50+) offerings.
- Groupama: French mutual insurance group with deep agricultural and rural roots, offering health, auto, home, and life insurance. Highly comparable to Mutualia given overlapping agricultural heritage, territorial agency network, and complementary health insurance products for farmers and rural populations.
- Mutuelle Générale (MGP / Mutuelle du Personnel): Mid-sized French mutuelle providing complementary health and prévoyance coverage to individuals and corporate clients. Comparable size, mutualist structure, and product portfolio (santé + prévoyance) to Mutualia, with overlapping enterprise and individual segments.
- Klesia: French group protection specialist (santé, prévoyance, retraite) serving enterprises and professionals. Directly comparable to Mutualia's enterprise and conventionnelle health and prévoyance offerings, with similar mid-market positioning.
Broad incumbents
- AXA France: French arm of global insurer AXA, offering health, life, auto, and property coverage to individuals and businesses. Overlaps with Mutualia in complementary health and prévoyance but operates as a much broader portfolio commercial carrier rather than a specialized mutualist.
- Crédit Mutuel (including Mutuelles de Fonctionnaire): French cooperative banking group that also distributes complementary health insurance through its mutualist bank-insurance network. Overlaps with Mutualia in mutualist values, public-sector (fonctionnaire) coverage, and bank-insurance distribution, though health is a smaller part of its portfolio.
Emerging players
- Alan: French health insurtech offering digital-first complementary health insurance primarily to self-employed professionals and SMEs. Competes with Mutualia's Vivactiv' Santé Pro and Zen'protect segments through a mobile app and streamlined UX that Mutualia currently lacks.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Groupe Mutualia social profiles
Digital presenceGroupe Mutualia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Groupe Mutualia leadership team
Management profileNumber of profiles
Profiles1 record
Groupe Mutualia subsidiaries and ownership
Company hierarchySubsidiaries4 records
Groupe Mutualia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Groupe Mutualia M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Groupe Mutualia
What does Groupe Mutualia do?
Groupe Mutualia is a French mutual insurance group (Union Mutualiste de Groupe) that provides complementary health insurance (mutuelle santé) and provident/prévoyance (death, disability, income protection) coverage. Products are sold under named brands tailored to individuals, families, seniors, farmers, self-employed professionals, businesses, and local government/territorial communities through three regional entities and a national network of 117 agencies.
Is Groupe Mutualia a public or private company?
Groupe Mutualia is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Groupe Mutualia founded?
Groupe Mutualia was founded in 1990. It employs 251 to 500 people.
Where is Groupe Mutualia based?
Groupe Mutualia is headquartered in Bobigny, France, in the Europe region.
How does Groupe Mutualia make money?
Two revenue lines are on record. Health Insurance Premiums are the primary driver. The others are providence/Death & Disability Insurance Premiums.
Who are Groupe Mutualia's main competitors?
Direct peers on record are Harmonie Mutuelle, MGEN (Mutuelle Générale de l'Education Nationale), Malakoff Humanis, AG2R La Mondiale, Groupama, Mutuelle Générale (MGP / Mutuelle du Personnel) and Klesia. Broad incumbents are AXA France and Crédit Mutuel (including Mutuelles de Fonctionnaire). Alan is listed as an emerging player.
Does Groupe Mutualia have an API?
No public API is recorded for Groupe Mutualia.
What industry is Groupe Mutualia in?
Groupe Mutualia's product category is Mutual Health Insurance. Its primary akta.pro industry code is HLAEAAAB, Fully Insured Small Group Plans, with a secondary code of FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts). Its NAICS code is 52411 and its SIC code is 8600.