SMERRA
- Company typePrivate
- Founded1985
- HeadquartersLyon, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
SMERRA firmographics
Firmographics- Name
- SMERRA
- Legal name
- Smerra - Mutuelle étudiante
- Website
- https://smerra.fr
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
SMERRA industry classification
Industry- Product category
- Student Insurance & Housing Services
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Health and Welfare Funds (525120)
- SIC
- Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411), Lessors Of Real Property, Nec (6519)
- akta.pro primary industry
- Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
Keywords
Where SMERRA is headquartered
LocationHeadquarters
- HQ city
- Lyon
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
SMERRA business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Complementary Health Insurance (Mutuelles): Subscription-based complementary health insurance with multiple tiers (Minimale, Essentielle, Confort, Tous Risques, Primordiale, Renforcée) providing reimbursement for medical expenses including dental, optical, and general healthcare. Renewed annually with tacit renewal.
- Student Housing Rentals: Monthly rental income from student residences operated under Fac-Habitat and Logifac brands. Properties include studios, T1, T2, and shared accommodations with charges included. Eligible for CAF housing assistance (APL/ALS).
- Insurance Products: Various insurance products including civil liability, housing insurance, exam insurance, school insurance, international travel insurance (Pack Europe, Pack Monde), and international student coverage (Pack en France). Annual subscriptions with monthly payment options available.
- Supplemental Health Insurance (Tonic Etudes): Surcomplémentaire santé providing additional coverage beyond basic complementary plans for students seeking enhanced protection.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 4 complementary health plans from Minimale to Tous Risques |
| Subscription | Monthly | Student housing rental with APL/ALS eligibility |
| Subscription | Annual | Civil liability insurance with -4€ first subscription offer |
| Subscription | Pay-as-you-go | International insurance (Pack Europe/Monde) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
SMERRA product offering
Product offeringCore offering
SMERRA is a French non-profit mutual insurance company (mutuelle) operating under the Code de la Mutualité that provides complementary health insurance and ancillary insurance covers (civil liability, housing, exam, school, international study) to higher-education students in France. Through its Fac-Habitat and Logifac sub-brands, it also operates student housing residences and related services. The offering is bundled for students, with dedicated packs for international students (Pack Europe, Pack Monde) and for incoming international students (Pack en France).
Product overview
SMERRA is a mutual insurance company offering a comprehensive ecosystem of services for French students, combining complementary health insurance (Minimale, Essentielle, Confort, Tous Risques, Tonic Études, regional Primordiale/Renforcée plans, and Complémentaire santé Solidaire), property and liability insurance (responsibility civile, housing, exam, school, and international coverage), and student housing through two sub-brands (Fac-Habitat with 12,700+ units across 113 residences in 70 cities, and Logifac with 6,600+ units across 50 residences in 26 cities). The company also provides health prevention actions and the Pack santé + assurances bundling option, all designed to support students throughout their university journey.
Differentiator
Problem solved
Functional benefit
Brands
- Fac-Habitat: Student housing brand offering furnished studios, T1, T2 apartments and shared housing across 113 residences in 70 French cities, serving students, young professionals under 30, researchers and teachers.
- Logifac
- Tonic Études
Products and services
- Mutuelle Santé Étudiante (Complementary Health Insurance) Complementary health insurance (mutuelle) for higher-education students in France that tops up the Sécurité sociale regime, providing reimbursement of medical, hospital, dental, and optical expenses.
- Tonic Études (surcomplémentaire) Optional surcomplémentaire (top-up) health cover that enhances reimbursement levels for students who want additional coverage beyond the standard mutuelle.
- Pack Santé + Assurances Bundle combining the complementary health insurance with ancillary insurance covers (civil liability, housing, etc.) into a single subscription pack for students.
- Assurance Responsabilité Civile Civil liability insurance cover for students, addressing personal liability exposure during study and daily life.
- Assurance Logement Housing insurance (assurance logement) for student tenants, covering rental risks such as water damage, fire, and liability toward the landlord.
- Assurance Examen Insurance cover specifically designed to support students during exam periods, providing financial or assistance benefits in case of exam-related interruption.
- Assurance Scolaire School insurance covering students against incidents occurring during academic activities and in school environments.
- Pack Europe (international study insurance) Insurance pack for French students studying abroad within Europe, bundling health, liability, and assistance cover for European mobility.
- Pack Monde (international study insurance) Insurance pack for French students studying abroad worldwide, bundling health, liability, and assistance cover for global academic mobility.
- Pack en France (for international students arriving in France) Insurance pack designed for international students arriving in France, covering health, liability, housing, and assistance needs during their stay.
- Fac-Habitat (Student Housing) Student housing residence service under the Fac-Habitat sub-brand, providing rentals in dedicated student residences in France.
- Logifac (Student Housing) Student housing residence service under the Logifac sub-brand, providing rentals in dedicated student residences in France.
Quantifiable outcome
- 20,000+ housing units available through combined Fac-Habitat and Logifac networks
- +2 more outcomes
Companies that use SMERRA
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
SMERRA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
SMERRA partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered minor and core.
- EPITAminorEducational institution partner for student referrals. Students at EPITA can access SMERRA housing and insurance services.
- ESSEC Business SchoolminorBusiness school partner providing student housing and insurance referrals to SMERRA services.
- AudenciaminorGrande école partner offering SMERRA services to students.
- Centrale NantesminorEngineering school partner for student referrals.
- 1001 Vies HabitatminorHousing provider partner offering student residences.
- Groupe VilogiaminorHousing provider partner for student accommodations.
- Gobelins ParisminorSchool partner for student referrals.
- CAF (Caisse d'Allocations Familiales)coreFrench family allowance fund. SMERRA housing is eligible for CAF housing assistance (APL/ALS). SMERRA helps students with APL/ALS applications.
- Chubb European Group SEcoreInsurance partner for civil liability, individual accident, assistance, and school insurance products. Provides underwriting and claims management for these coverage types.
- AXA France IARDcoreInsurer for housing insurance (Contrat 'Ma Maison') underwritten through Leocare broker.
- AIG Europe SAcoreInsurer for Pack en France Global international student coverage (Contrat n°4.091.304) including health and civil liability.
- Zurich Insurance Europe AGcoreInsurer for Pack Europe and Pack Monde international travel insurance. Cover-More Blue Insurance Services Limited acts as managing agent.
- SEM ASSURcoreInsurance brokerage company (SARL) for distributing insurance products including international coverage and school insurance. ORIAS n°07 028 998.
- Groupe GambettaminorHousing provider partner for student residences.
- EriliaminorHousing provider partner for student accommodations.
- Fondation SmerracoreSMERRA Foundation supporting student social initiatives and community programs.
- MageminorPartner organization referenced in footer links for student services ecosystem.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
SMERRA competitors and assessment
Company assessmentDirect peers
- MGEL (Mutuelle Générale de l'Éducation Nationale): Mutuelle serving the broader education community (students, teachers, education professionals) with complementary health insurance and related services — overlap with SMERRA on student health plans and education-sector distribution.
- LMDE (La Mutuelle Des Étudiants): Historically the dominant French student mutuelle offering complementary health insurance to higher education students; directly comparable to SMERRA's mutuelle étudiante model with nearly identical target customer and product set.
- Kley (formerly Vilogia Premium): French student housing operator managing multiple purpose-built student residences across France; competes with Fac-Habitat and Logifac for occupancy in major university cities.
- Les Estudines / Nemea Appart'Etudes: French student residence operator (Nemea group) managing furnished student accommodations across multiple French cities; directly comparable to SMERRA's Logifac and Fac-Habitat housing brands on operating model and target tenant.
- HEYME: French student-focused health mutuelle and insurance provider serving a similar demographic of higher education students; competes head-to-head with SMERRA's complementary health and ancillary insurance offerings.
- Studea (Nexity): Leading French purpose-built student accommodation (PBSA) operator owned by Nexity, managing thousands of student residences nationwide; directly comparable to SMERRA's Fac-Habitat/Logifac housing operations.
Emerging players
- April International: France-headquartered international health and student insurance specialist offering visa-compatible cover for students in France; directly comparable to SMERRA's Pack en France products underwritten by AIG.
- Cardinal Campus: Independent French PBSA operator with student residences in multiple French university cities; comparable to SMERRA's housing brands in target customer and product offering.
Broad incumbents
- Harmonie Mutuelle: One of the largest French mutual health insurers, serving individuals and groups with complementary health coverage; broader portfolio than SMERRA but directly comparable on the core mutuelle santé layer serving similar demographics.
- MACIF: Major French mutual insurer offering property, liability, and health coverage; comparable to SMERRA's broader insurance product set including housing and civil liability coverage within a multi-line mutual model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SMERRA social profiles
Digital presenceSMERRA compliance and trust
Trust signalCompliance5 records
SMERRA financial estimates
Financial estimateRevenue estimate
Valuation estimate
SMERRA leadership team
Management profileNumber of profiles
Profiles1 record
SMERRA subsidiaries and ownership
Company hierarchySubsidiaries4 records
SMERRA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SMERRA M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SMERRA
What does SMERRA do?
SMERRA is a French non-profit mutual insurance company (mutuelle) operating under the Code de la Mutualité that provides complementary health insurance and ancillary insurance covers (civil liability, housing, exam, school, international study) to higher-education students in France. Through its Fac-Habitat and Logifac sub-brands, it also operates student housing residences and related services. The offering is bundled for students, with dedicated packs for international students (Pack Europe, Pack Monde) and for incoming international students (Pack en France).
Is SMERRA a public or private company?
SMERRA is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was SMERRA founded?
SMERRA was founded in 1985. It employs 11 to 50 people.
Where is SMERRA based?
SMERRA is headquartered in Lyon, France, in the Europe region.
How does SMERRA make money?
Four revenue lines are on record. Complementary Health Insurance (Mutuelles) is the primary driver. The others are student Housing Rentals, insurance Products and supplemental Health Insurance (Tonic Etudes).
Who are SMERRA's main competitors?
Direct peers on record are MGEL (Mutuelle Générale de l'Éducation Nationale), LMDE (La Mutuelle Des Étudiants), Kley (formerly Vilogia Premium), Les Estudines / Nemea Appart'Etudes, HEYME and Studea (Nexity). Emerging players are April International and Cardinal Campus. Broad incumbents are Harmonie Mutuelle and MACIF.
Does SMERRA have an API?
No public API is recorded for SMERRA.
What industry is SMERRA in?
SMERRA's product category is Student Insurance & Housing Services. Its primary akta.pro industry code is FSAIAFAH, Association & PEO Group Health Plans (AHP/PEO-Sponsored). Its NAICS code is 52411 and its SIC code is 6399.