What SMATIS France does

SMATIS France (SIREN 781 166 293) is a non-profit mutual health and provident insurance company operating under Book II of the French Code de la mutualité, with headquarters in Angoulême and membership in the UGO Group, which collectively protects more than 1 million people. Founded over 80 years ago, SMATIS underwrites complementary health (mutuelle santé), provident (prévoyance), teleassistance, and enterprise collective health contracts across four customer segments: seniors and retirees aged 55+, self-employed workers (TNS), private-sector businesses subject to the 2016 ANI employer-coverage obligation, and territorial civil servants (agents territoriaux).

The core technology stack centres on a member-facing digital infrastructure that includes a website with online quote simulators, the Espace Adhérent web portal, and the newly launched SMATIS & Moi mobile application (February 2026) providing 24/7 access to digital insurance cards and real-time reimbursement tracking. Integrated third-party platforms include Angel (telemedicine with full third-party payment, 7/7 access to GPs, specialists, and psychologists), Mon Coach Santé Angel (wellness coaching), the Itelis network of 13,000+ negotiated-rate healthcare professionals, the Lyv endometriosis self-management app for enterprise clients, and the OCCEA UGO / Mes Solutions Plus digital broker platform enabling 100% online subscription via UniPrévoyance.

Monetisation is based on recurring subscription premiums tiered by age, location, and coverage level, with modular FLEXI ranges (entry-level starting at €25.99/month for TNS, €46.24/month for seniors). Revenue streams span health insurance premiums, provident premiums (GAV from €7/month, Garantie Obsèques, Garantie P.T.I.A., Allocation Hospitalière), and teleassistance subscriptions. Distribution combines inbound phone sales across three dedicated lines, self-service digital subscription, broker/courtier channels, and the parent group's mutualist governance structure, operating exclusively within France.

Name

SMATIS France

Legal name

SMATIS FRANCE

Website

https://smatis.fr

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

51–100 employees

Short description

SMATIS France is a French non-profit mutual insurance company (mutuelle) offering complementary health, provident, and teleassistance coverage to individuals, self-employed workers, businesses, and territorial civil servants, operating as part of the UGO Group protecting 1M+ people.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industry

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

Keywords

• Mutual health insurance
• Complementary health coverage
• Provident insurance
• Senior health plans
• Self-employed insurance

Headquarters

HQ city

Angoulême

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums (Mutuelle Santé): Monthly recurring subscription premiums charged to individual members, self-employed professionals (TNS), retirees, and businesses for complementary health coverage. Premiums are tiered by age, location, and coverage level (FLEXI range with modular options). SMATIS operates as a non-profit mutual insurance company (mutuelle solidaire, à but non lucratif) governed by Book II of the French Code de la mutualité.
2. Provident Insurance Premiums (Prévoyance): Monthly recurring premiums for provident insurance products including life accident insurance (GAV), funeral coverage (Garantie Obsèques), death & disability (P.T.I.A.), and hospital allowance (Allocation Hospitalière).
3. Teleassistance Services (Téléassistance): Subscription-based remote assistance services for seniors enabling safe living at home, including automatic fall detection and daily outing protection.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

SMATIS France is a non-profit mutual insurance company providing complementary health insurance (mutuelle santé) and provident insurance (prévoyance) to individuals, self-employed workers (TNS), businesses, and territorial civil servants in France. Its modular Gamme FLEXI range covers hospitalization, optics, dental, audiology, and wellness, complemented by provident offerings such as life accident (GAV), funeral (Garantie Obsèques), death and disability (P.T.I.A.), and hospital allowance products, plus senior teleassistance. Customers benefit from integrated teleconsultation (Angel), a 13,000+ professional healthcare provider network (Itelis), and a 24/7 digital member portal and mobile app (SMATIS & Moi) for reimbursement tracking and policy management.

Product overview

SMATIS France is a mutual insurance company with over 80 years of experience offering health insurance and provident insurance products. The core product portfolio includes the Gamme FLEXI modular health insurance range (for seniors 55+), specialized Mutuelle TNS for self-employed workers, Mutuelle Entreprise for businesses, and Mutuelle Agents Territoriaux for territorial civil servants. Provident insurance products include Garantie Accidents de la Vie (GAV), Garantie Obsèques, Garantie P.T.I.A (death/disability), and Allocation Hospitalière. Supplementary services include Téléassistance for seniors, the Angel teleconsultation service, Mon Coach Santé Angel wellness coaching, and the SMATIS & Moi mobile app for member self-service. For brokers, Mes Solutions Plus enables online subscription with digital signature. SMATIS operates as part of the UGO Group and covers over 1 million people.

Differentiator

Problem solved

Functional benefit

Brands

• Gamme FLEXI: Health insurance product range with modular coverage options including FLEXI ECONOMIQUE, FLEXI ÉQUILIBRÉE, and various reinforcements.
• Mes Solutions Plus
• SMAT ACTIVE TNS
• SMAT SÉRÉNITÉ
• SMATIS & Moi
• Garantie Accident de la Vie (GAV)

Products and services

• Gamme FLEXI Modular Health Insurance Modular health insurance range for seniors 55+ with 100% customizable formulas covering hospitalization, optics, dental, audiology, and wellness, structured around a socle (base) and reinforcement options.
• Mutuelle Senior / Mutuelle Spéciale Retraité Health insurance specifically designed for seniors and retirees aged 55 and above, offering modular coverage with formulas fully adaptable to health needs and budget, starting from €46.24/month.
• Mutuelle TNS (Travailleurs Non-Salariés) Health insurance for self-employed workers (TNS) including artisans, traders, liberal professionals, and business owners, with entry pricing from €25.99/month and Madelin-law tax advantages.
• Mutuelle Auto-entrepreneur Health insurance tailored for auto-entrepreneurs and freelancers, covering essential health needs within the Mutuelle TNS offering.
• Mutuelle Artisan Health insurance designed specifically for artisans and tradespeople within the Mutuelle TNS offering.
• Mutuelle Entreprise (Collective Health Insurance) Collective complementary health insurance for businesses, mandatory since 2016 (ANI), covering all employees with customizable guarantees, DSN integration, and value-added services (teleconsultation, second medical opinion, health prevention).
• Mutuelle Agents Territoriaux Labelled health insurance for territorial civil servants (agents territoriaux) with employer financial participation, offering 2 coverage levels adapted to specific segment needs.
• SMAT ACTIVE TNS Health insurance for business owners and self-employed workers and their families, with 6 guarantee levels (100 to 450), targeted coverage for prevention, alternative medicine, and dental care, plus optional non-responsible add-on.
• SMAT SÉRÉNITÉ Health insurance dedicated to people over 50 in career transitions or retirees, with 6 guarantee levels focused on senior-specific needs including alternative medicine, prevention (cancer screening, health checkups), visual health (DMLA), and an optional hospitalization add-on.
• Garantie Accidents de la Vie (GAV) Provident insurance covering everyday accidents of daily life, including death, disability, and loss of autonomy coverage, starting from €7/month TTC.
• Garantie Obsèques Funeral expense insurance to support and accompany family members during difficult times.
• Garantie P.T.I.A (Death and Disability) Provident insurance providing coverage in case of disability and loss of autonomy (Perte Totale et Irréversible d'Autonomie), including death benefit.
• Allocation Hospitalière Hospitalization allowance providing additional financial support to facilitate stays in healthcare facilities and improve comfort during hospitalization.
• Téléassistance pour maintien à domicile des seniors Remote assistance service for seniors enabling safe independent living at home, including automatic fall detection and daily outing protection.
• SMATIS & Moi Mobile Application Mobile application providing members with 24/7 access to their contracts, real-time reimbursement tracking, digital insurance card access in one click, and policy management. Available on mobile devices with secure authentication.
• Angel Teleconsultation Service Teleconsultation service included in all SMATIS health contracts, providing access to general practitioners, specialists, and psychologists 7 days a week worldwide. Features full third-party payment (tiers payant intégral) with no advance payment required, online prescriptions, and medical confidentiality protection.
• Mon Coach Santé Angel (Health Coaching Application) Health coaching application supporting users in adopting better lifestyle habits, including smoking cessation, stress management, sleep improvement, and motivation tracking.
• Lyv Endometriosis Self-Management Application Endometriosis self-management application partnered with SMATIS, offered to enterprise clients for their female employees. Provides multidisciplinary support across 5 pillars: disease knowledge, physical activity, nutrition, wellness, and intimate/affective life.
• Mes Solutions Plus (Broker Digital Subscription Platform) Online subscription and pricing tool for insurance brokers (courtiers), complementary to the OCCEA UGO platform, enabling 100% digital subscription with secure digital signature via SMS code. Designed for TNS, 50+ employees leaving a company, and retirees.

Quantifiable outcome

• 90% of members would recommend SMATIS to their loved ones (survey conducted on 20,678 members in 2023 and 20,354 members in 2025)
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature5 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Cours l'OdysséeminorGTM or Marketing Partner · 16 July 2025SMATIS partnered with Cours l'Odyssée, a school in the Espérance Banlieues network located in Soyaux (Charente, department 16). The school fights against school dropout by giving children hope, a taste for learning, and self-confidence. This partnership reflects SMATIS's solidarity and social impact values, supporting children in priority areas.
• Angel (Telemedicine Platform)coreTechnology or Integration · 1 January 2025Angel is a teleconsultation service included in all SMATIS health contracts. Accessible via computer, tablet, or smartphone, it connects members with general practitioners, specialists, and psychologists 7 days a week. Full third-party payment (tiers payant intégral) covers both the Assurance Maladie reimbursable portion and the complementary portion, with no advance payment required. Prescriptions available online, all consultations protected by medical confidentiality.
• Mes Solutions Plus / OCCEA UGOcoreChannel Partner/ Reseller/ Distributor · 10 May 2024Mes Solutions Plus is a digital quoting and subscription platform extending the OCCEA UGO tool for insurance brokers (courtiers) to distribute SMATIS health products. Targeted at TNS, employees aged 50+ in career transition, and retirees. Features 100% digital subscription with secure digital signature via SMS. Accessed via www.uniprevoyance.fr/solutionsugo/smatis.
• UniPrévoyancecoreChannel Partner/ Reseller/ Distributor · 10 May 2024UniPrévoyance hosts the OCCEA UGO and Mes Solutions Plus platforms through which brokers distribute SMATIS health products. The platform supports digital subscription workflows for TNS, retiree, and employee transition market segments.
• LyvcoreStrategic or Co-development Partner · 3 May 2024SMATIS partnered with Lyv, a French start-up offering an endometriosis self-management application, to support female employees of SMATIS business members. The Lyv app provides a pluridisciplinary approach with 5 pillars: disease knowledge, physical activity, nutrition, well-being, and intimate/affective life. SMATIS is among the first mutual insurers to offer this solution. Intertek France (Thierry Jouzier, DRH) is cited as a company already using Lyv through SMATIS.
• Itelis (Healthcare Provider Network)coreTechnology or Integration · 1 January 2024Itelis is a healthcare provider network integrated into all SMATIS health contracts, offering access to over 13,000 healthcare professionals across France. Members benefit from negotiated rates in optics, dental, audiology, refractive surgery, osteopathy/chiropractic, psychology, and dietetics.
• UGO Group (Parent Organization)coreOthers · 1 January 2023SMATIS is part of the UGO Group (Mutualist Group of Independent and Salaried Workers of France). The group collectively protects more than 1 million people. SMATIS's full name is 'Solidarité Mutualiste de l'Association des Travailleurs Indépendants et Salariés de France.'

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• MACIF: MACIF is a major French mutual insurer offering health, prévoyance, auto, and home insurance to individual members. It competes with SMATIS as a fellow Book II/III mutualist insurer serving individuals and families across France, with much larger scale.
• SwissLife France: SwissLife France is a broad life, health, and prévoyance insurer offering individual and group complementary health products in France. It overlaps with SMATIS in senior and prévoyance offerings as a large incumbent with broader product breadth.
• AXA France: AXA France is the French arm of global insurer AXA, offering a full portfolio of health, prévoyance, auto, and home insurance. It competes with SMATIS in mutuelle santé and prévoyance for individuals and businesses as a broad incumbent with substantially larger capital and brand reach.
• CNP Assurances: CNP Assurances is a major French life and health insurance carrier with a strong footprint in individual and group health products. As a broad incumbent with significant capital and distribution partnerships (notably through La Banque Postale), it competes with SMATIS in prévoyance and complementary health offerings at scale.

Direct peers

• Klesia: Klesia is a French mutual group specializing in prévoyance, health, and retirement for companies and self-employed workers. It directly parallels SMATIS's prévoyance portfolio (GAV, death/disability, obsèques) and enterprise mutual offerings, targeting overlapping TNS and SME segments in France.
• Vyv (Harmonie Mutuelle): Vyv is the largest French mutual health insurance group formed from the merger of Harmonie Mutuelle, MGEN, and other mutuelles. It directly competes with SMATIS in complementary health and prévoyance for individuals, enterprises, and public-sector agents, operating under the same Code de la mutualité framework and serving a similar French mutualist customer base.
• Henner: Henner is a French independent specialist in group health and prévoyance insurance for businesses and expatriates, with strong broker distribution. It is comparable to SMATIS for its enterprise and TNS health/prévoyance positioning and reliance on courtier channels.
• Malakoff Humanis: Malakoff Humanis is a major French mutual health and prévoyance provider offering group and individual complementary health insurance, with strong enterprise and TNS segments. It competes directly with SMATIS in mutuelle entreprise and prévoyance products under comparable mutualist governance.
• Mutuelle Générale: Mutuelle Générale is a French mutual health insurer providing complementary health coverage to individuals, enterprises, and civil servants. It is a close comparable to SMATIS given its similar mutualist structure, focus on ANI-compliant enterprise health plans, and territorial civil servant offerings.

Emerging players

• Alan: Alan is a French insurtech offering fully digital complementary health insurance for individuals and SMEs, with proprietary teleconsultation (Alan Mind) and a strong UX narrative. It competes with SMATIS in TNS and enterprise segments and represents the digital-native threat to traditional mutuelles like SMATIS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/MutuelleSmatis

Revenue estimate

Valuation estimate

Number of profiles

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 SMATIS France