VIASANTE Mutual

What VIASANTE Mutual does

VIASANTÉ Mutuelle is a French non-profit mutual health insurance company (mutuelle) governed by Book II of the Code de la Mutualité, operating as the health insurance arm of the AG2R LA MONDIALE group and ranked 5th among French mutuelles by direct premium income (Argus de l'assurance, October 2025). The company protects nearly 1 million persons (as of 01/01/2025) across three segments: individuals and seniors (EQUIVIA, PROTECVIA, VIAPLUS, Premier Jour Hospitalisation, and a prévoyance product line covering hospital indemnity, accidents, disability, and death protection), self-employed professionals / TNS (VIAPRO, VIAPLUS TNS, MaTéléconsultationPsy), and businesses (Fléxéosanté mandatory collective health plans covering approximately 4,000 corporate clients and 123,275 employees).

The technology stack is anchored by a digital member portal (web and mobile app), a tokenised online quote engine delivering personalised quotes in under 5 minutes, a reimbursement simulator, a dedicated B2B corporate portal, and a broker portal. Service-layer integrations include MédecinDirect (24/7 teleconsultation responding within one hour in 85% of cases, second medical opinion, and psychological support), Mondial Assistance (daily living assistance and senior teleassistance), HappyVisio (2,500+ online events per year), Itelis (DUERP compliance for corporate clients), and Heloa (parental support). Wellness is delivered through the Méta-Coaching platform offering four personalised programs (ThéraSomnia, LineCoaching Nutrition, LineCoaching Forme, Équilibre & Bien-être) and a 10-week smoking cessation program, with ISO 9001 quality certification held across operations.

The business model is non-profit and subscription-based: monthly recurring premiums from individual, TNS, and corporate policyholders are pooled to fund reimbursements and services, with any surpluses reinvested into member benefits under democratic one-member-one-vote governance. Go-to-market combines 100 physical agency locations and 5 regional call centers (Labège, Melun, Carcassonne, Périgueux, Perpignan) with approximately 250 dedicated advisors, plus a digital self-serve quote channel and a dedicated Broker Direction for corporate distribution. Pricing is not publicly disclosed at the portfolio level but starts from €29.13/month for EQUIVIA at age 40 and from €2.90/month for Premier Jour Hospitalisation add-ons, illustrating a layered ARPU model built on a core complémentaire plus modulaires.

Name

VIASANTE Mutual

Legal name

VIASANTÉ Mutuelle

Website

https://viasante.fr

Company type

Private

Founded year

1853

Operating status

Operating

Headcount range

251–500 employees

Short description

VIASANTÉ Mutuelle is the 5th largest French mutual health insurer and a member of the AG2R LA MONDIALE group, providing complementary health, prévoyance, and wellness services to nearly 1 million individuals, self-employed professionals, and corporate clients across metropolitan France through 100 agencies, 5 call centers, and digital portals.

Ownership category

akta.pro rank

Product category

Complementary Health Insurance (Mutuelle)

NAICS

Health Care and Social Assistance (62)

SIC

Insurance Agents, Brokers & Service (6411), Services-Misc Health & Allied Services, Nec (8090)

akta.pro primary industry

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

akta.pro secondary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Complementary health insurance
• Mutual health mutuelle
• Group health insurance
• Health prévoyance products
• Wellness prevention services

Headquarters

HQ city

Perpignan

HQ country

France

HQ region

Europe

Offices8 records

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. Individual Health Insurance Premiums: Recurring monthly premium contributions from individual policyholders (particuliers and seniors) for core health complementary plans (EQUIVIA, PROTECVIA), hospitalisation top-up (Premier Jour), and supplementary health plans (VIAPLUS). VIASANTÉ is a non-profit mutual — premiums are pooled and used to fund member reimbursements and services, with surplus reinvested into the organization.
2. Collective/ Corporate Health Insurance Premiums: Recurring premium contributions from businesses for mandatory group health plans (Fléxéosanté) covering employees. VIASANTÉ serves approximately 4,000 companies and 123,275 employees through direct and broker channels. Corporate premiums represent a significant share of total premium income.
3. Self-employed/ TNS Health Insurance Premiums: Recurring premiums from independent workers (TNS) for tailored plans (VIAPRO) and related top-up products, distinct from individual and corporate segments.
4. Providence/ Prévoyance Products: Optional protection products (hospitalisation indemnity, accident protection, handicap/dependency capital, family death protection) generating additional recurring premiums from individuals and TNS.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

VIASANTE Mutuelle sells complementary health insurance and prévoyance products to individuals, seniors, self-employed professionals (TNS), and corporate clients across France. Its portfolio includes core complementary health plans (EQUIVIA for budget-conscious consumers, PROTECVIA for seniors 55+), super-complementary and hospitalisation top-ups (VIAPLUS, Renfort Premier Jour), a TNS plan (VIAPRO), a corporate group health plan (FLEXÉOSANTÉ), and prévoyance products (hospital indemnity, accident capital, handicap/dependency capital, family death protection). Value-added services include 24/7 medical teleconsultation, second medical opinion, psychological support, senior teleassistance, wellness coaching (Méta-Coaching), and access to HappyVisio online conferences.

Product overview

VIASANTE Mutual is a mutual health insurance company (5th largest in France) and member of AG2R LA MONDIALE group, offering a comprehensive portfolio of health insurance and wellness products. The core offering includes EQUIVIA (economic essential coverage) and PROTECVIA (optimal senior coverage) as complementary health insurance products, supplemented by VIAPLUS super-complementary and Renfort Premier Jour Hospitalisation add-on modules. For businesses, FLEXÉOSANTÉ provides mandatory collective health insurance. For self-employed professionals (TNS), VIAPRO offers tailored health coverage. The prévoyance (insurance) portfolio includes Hospitalisation indemnity, Protection Accident, Capital Équipement Handicap/Dépendance, and Protection Famille. Wellness and prevention services are delivered through Méta-Coaching platform (ThéraSomnia, LineCoaching programs, smoking cessation), HappyVisio online conferences, and teleconsultation services via MedecinDirect. The company operates an integrated digital ecosystem including member portal, mobile app, and reimbursement simulator.

Differentiator

Problem solved

Functional benefit

Brands

• EQUIVIA: Economical health insurance complement targeting essential health needs with four protection levels for budget-conscious individuals.
• PROTECVIA
• VIAPLUS
• FLEXÉOSANTÉ
• VIAPRO
• PREMIER JOUR

Products and services

• EQUIVIA Economic complementary health insurance targeting essential health needs with four protection levels, designed for budget-conscious individuals and families looking for coverage adapted to their lifestyle.
• PROTECVIA Optimal complementary health insurance for active individuals and seniors aged 55+, with six guarantee levels, comprehensive coverage including 100% Santé optical/dental/hearing benefits, comfort benefits, and hospitalisation assistance. No medical questionnaire required and no age limit at enrollment.
• VIAPLUS Super-complementary health insurance that supplements base mutual insurance and French Sécurité Sociale reimbursement, covering excess fees, dental prostheses, quality glasses, and non-reimbursed care. Available in 3 levels for individuals, with a dedicated VIAPLUS TNS version for self-employed professionals.
• Renfort Premier Jour Hospitalisation Hospitalisation reinforcement supplementary coverage with four protection levels, covering private room, excess fees, accompanying person expenses, and daily assistance services from day one of hospitalization.
• Prévoyance Hospitalisation Daily indemnity insurance providing €15 to €45 per day in case of hospitalisation, payable from day one for accidents and day three for illness, with tax-exempt benefits.
• Protection Accident Accident protection insurance offering up to €45,000 capital in case of accidental death, with daily hospital indemnities up to €45 and capital doubled for traffic accidents up to €90,000.
• Capital Équipement Handicap/Dépendance Disability/dependency capital insurance providing up to €4,500 (doubled to €9,000 for accidents) to finance housing adaptation, vehicle modification, and home help services that preserve autonomy.
• Protection Famille Family death protection insurance providing up to €75,000 capital in case of death or total irreversible loss of autonomy, doubled for accidents (€150,000) and tripled for traffic accidents (€225,000).
• FLEXÉOSANTÉ Mandatory collective health insurance for businesses with six guarantee levels, offering modular coverage, optional packs (Assistance, Prévention & Bien-être), and individual reinforcement options for employees. Distributed to approximately 4,000 companies (123,275 employees) via direct enterprise sales and broker partners to ensure ANI compliance.
• VIAPRO Complementary health insurance specifically designed for self-employed professionals and TNS (Travailleurs Non-Salariés), offering flexible coverage adapted to independent workers' needs.
• Méta-Coaching Personalised wellness coaching platform offering four programs (ThéraSomnia for sleep, LineCoaching Nutrition, LineCoaching Forme, and Équilibre & Bien-être) combining digital tools with human support, accessible via activation code from the member space.
• HappyVisio Online conference and workshop platform providing free member access to 2,500+ annual events animated by 500 specialists, covering well-being, health prevention, culture, dictations, quizzes, and memory exercises, especially for seniors.
• Programme Arrêt du Tabac 10-week smoking cessation program co-developed with Dr. Laurence Amsellem-Sanguignol, based on the MBSR method to understand behaviors, manage emotions, and durably change habits.
• Téléconsultation Médicale 24/7 medical teleconsultation service via MédecinDirect offering consultations with qualified doctors in under 1 hour in 85% of cases, with prescriptions valid in France and abroad.
• Second Avis Médical Second medical opinion service providing specialist expertise within 7 days to confirm diagnosis, explore alternative treatment options, and inform about different medical approaches.
• MaTélécosultationPsy Psychological support service for self-employed professionals offering up to 8 annual teleconsultation sessions with certified psychologists via the MédecinDirect platform, covering work-related issues, emotional difficulties, and personal development.
• Téléassistance Séniors Senior teleassistance service via Mondial Assistance providing 24/7 emergency response via bracelet or pendant for falls, discomfort, or anxiety, with preferential negotiated rates for VIASANTÉ members.

Quantifiable outcome

• 86% of corporate members satisfied with reimbursement speed; 88% satisfied with third-party payment card delivery; 87% satisfied with member portal usability (Baromètre Relationnel Salariés Contrats Collectifs 2025)
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• 1 Maillot pour la ViecoreStrategic or Co-development Partner · 1 January 2025VIASANTÉ sponsors 9 'Matchs Solidaires' per season with rugby, hockey, basketball, handball, and football clubs (CAB, Spartiates de Marseille, BBD, US Carcassonne, Gothiques d'Amiens, FENIX Toulouse, RAF, SACA, USAP). Each point/goal/basket generates a donation. Season 2025-2026 funds a weekend project for children in cancer remission.
• MédecinDirectcoreTechnology or IntegrationMédecinDirect provides VIASANTÉ members with 24/7 medical teleconsultation services (responding in under 1 hour in 85% of cases), second medical opinion, and MaTéléconsultationPsy psychological support services (up to 8 sessions/year). Both teleconsultation and second opinion platforms are 100% confidential and secure.
• Mondial AssistancecoreTechnology or IntegrationMondial Assistance delivers VIASSISTANCE daily living assistance services (household help, child/elder/pet care, medication delivery, psychological support) and senior teleassistance (bracelet/pendant SOS device) for VIASANTÉ members. Services available 24/7.
• HappyVisiocoreTechnology or IntegrationHappyVisio provides VIASANTÉ members with free access to 2,500+ online events per year including conferences, workshops, quizzes, dictations, and memory exercises. The platform is accessible via a partner code from the member space, catering especially to seniors.
• ItélisminorImplementation/ SI/ Consulting PartnerItélis supports VIASANTÉ's Fléxéosanté corporate clients by providing assisted creation and updating of their mandatory Document Unique d'Évaluation des Risques Professionnels (DUERP). Offered as an optional add-on at negotiated preferential rates.
• Charly Cungi, Gérard Apfeldorfer, Guillaume LeteurtreminorStrategic or Co-development PartnerExpert co-developers of VIASANTÉ's Méta-Coaching wellness programs. Charly Cungi (stress/anxiety), Gérard Apfeldorfer (eating disorders, nutrition), and Guillaume Leteurtre (fitness) co-designed the ThéraSomnia and LineCoaching programs.
• HeloaminorStrategic or Co-development PartnerHeloa provides VIASANTÉ members with a parental support mobile application designed by pediatricians, psychomotor specialists, midwives, and child psychiatrists to help parents monitor their children's development.
• Institut CurieminorStrategic or Co-development PartnerVIASANTÉ partners with Institut Curie in the fight against cancer through awareness campaigns and prevention actions (workshops, webinars) supporting patients and the general public.
• Sœurs d'EncreminorStrategic or Co-development PartnerVIASANTÉ partners with the Sœurs d'Encre association which organizes the 'Rose Tattoo' event offering free artistic and reconstructive tattoos to breast cancer survivors. VIASANTÉ has supported this initiative since 2022.
• AG2R LA MONDIALEcoreStrategic or Co-development PartnerVIASANTÉ is the mutual health insurer of the AG2R LA MONDIALE group, France's 1st social protection and heritage group. This provides financial strength, brand backing, shared services, and cross-selling opportunities across the group's product portfolio.
• Mutualité FrançaiseminorOthersVIASANTÉ Mutuelle is a member of the Mutualité Française, which provides mediation services for consumer disputes through its Médiateur FNMF and supports mutualist network standards and advocacy.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Harmonie Mutuelle: Harmonie Mutuelle is the largest complementary health mutuelle in France, offering a directly comparable product portfolio (complémentaire santé for individuals, seniors, TNS, and corporate clients), the same mutualist governance model, and overlapping geographic footprint. It is the #1 ranked mutuelle santé against which VIASANTE is benchmarked at #5.
• MGEN: MGEN is a major French mutual health insurer serving more than 4 million members, anchored in the education sector but broadly offering individual and corporate complementary health, prévoyance, and wellness services. Comparable mutual governance, regulator, and product architecture make it a primary benchmark for VIASANTE.
• Malakoff Humanis: Malakoff Humanis is a leading French social protection group formed via merger, providing complementary health, prévoyance, retirement savings, and employee benefits to businesses and individuals. Overlaps directly with VIASANTE's Fléxéosanté corporate offering and individual/senior health plans.
• Matmut: Matmut is a French mutual insurer offering health, auto, home, and accident coverage to individuals and professionals. Its complementary health and prévoyance range serves the same individual and TNS segments as VIASANTE under the same mutualist model.
• Klesia: Klesia is a French paritaire (employer/employee-governed) group specializing in complementary health, prévoyance, and retirement for enterprises. Directly comparable to VIASANTE on the corporate/collective health side and operating under similar ACPR oversight.
• Pro BTP: Pro BTP is a French group of mutuelles providing health, prévoyance, retirement, and savings services to construction and building-sector workers and employers. Comparable mutual model and complementary health/prévoyance offering for a defined vertical; relevant to VIASANTE for cross-segment mutualist competitive benchmarking.

Emerging players

• Alan: Alan is a France-based digital-first health insurer offering complementary health, prévoyance, and wellness tools primarily to SMEs and individuals through a pure-play app and self-serve platform. It competes for the same younger corporate and individual segments that VIASANTE targets with Fléxéosanté and EQUIVIA, with a structurally lower cost model.

Broad incumbents

• AXA France: AXA France is the French arm of AXA, one of the largest insurers globally, offering complementary health, prévoyance, auto, home, and life insurance. While not a pure mutualist player, it competes with VIASANTE in both individual and corporate health segments via its broad multi-line portfolio and extensive distribution network.
• Groupama: Groupama is a major French mutual insurer offering complementary health, auto, home, agriculture, and life insurance through a regional mutual and agency network. The mutual governance and multi-line model make it a broad incumbent comparable to VIASANTE on health and proximité-driven distribution.
• Crédit Mutuel (Mutuelles du Crédit Mutuel): Crédit Mutuel's insurance subsidiaries distribute complementary health, prévoyance, and retirement savings alongside banking products through the group's branch network in France. While a financial conglomerate rather than a health specialist, it overlaps with VIASANTE on health distribution and the mutualist governance principle.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/VIASANTEPerigord
• Facebookfacebook.com/ViaSante
• LinkedInlinkedin.com/company/mutuelle-viasante
• Xx.com/ViasanteAndYou

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 VIASANTE Mutual