Mutuelle Air France

Name

Mutuelle Air France

Legal name

Mutuelle Air France

Website

https://mnpaf.fr

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industry

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

Keywords

• Mutual health insurance
• Health reimbursement services
• Teleconsultation platform
• Third-party payment
• Occupational health prevention

Headquarters

HQ city

Villepinte

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels1 record

Marketing channels9 records

Core offering

Mutuelle Air France is a non-profit mutual health insurance company providing comprehensive health coverage to Air France employees, retirees, and their beneficiaries. Its core offering includes health reimbursement management, third-party payment (tiers payant) at participating providers, 24/7 teleconsultation via MédecinDirect, optical teleconsultation via C'Evidentia, mental health support through the MindDay application, access to the Santéclair healthcare professional network, electronic vaccination records, health prevention programs tailored to aviation occupations, and a social fund providing financial assistance during health-related hardship.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutual Health Insurance Coverage (MNPAF) Core non-profit mutual health insurance plan covering Air France employees, retirees, and their beneficiaries with comprehensive health reimbursement, third-party payment at participating providers, and access to complementary health services.
• Santéclair Healthcare Network Partner healthcare professional network providing negotiated rates, quality care services, prevention programs, coaching (sports, sleep, dietetics), second medical opinion, and provider search for members.
• MédecinDirect 24/7 Teleconsultation 24/7 medical teleconsultation service allowing members to obtain medical advice, opinions, and prescriptions via written or video consultation, delivered by doctors registered with the French Order of Physicians and bound by medical confidentiality.
• C'Evidentia Optical Teleconsultation Optical teleconsultation service for personalized vision health follow-up with visual acuity evaluation, ophthalmologist referrals when needed, and zero remaining cost options for glasses, accessible without travel.
• MindDay Mental Health Application Self-therapy application created by psychologists, providing video sessions and practical psychotherapy exercises for daily mental health self-care.
• Social Fund Program (Fonds Social) Financial assistance program for members facing health-related financial difficulties, including temporary coverage of mutual contributions for up to 12 months.
• Health Assistance Service (Assistance Santé) Member assistance service providing support during difficult health events and everyday health-related needs.
• Electronic Vaccination Record and Travel Medicine Service Electronic vaccination record service with travel medicine advice and recommendations for members.
• Occupational Health Prevention Programs Tailored prevention actions and health advice programs addressing occupational health risks specific to aviation industry roles.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SantéclaircoreTechnology or IntegrationSantéclair is a healthcare network partner offering members access to quality healthcare professionals at negotiated rates. The partnership provides services including provider search, prevention services, coaching (sports, sleep, dietetics), and access to innovative startups such as second medical opinion services.
• MédecinDirectcoreTechnology or IntegrationMédecinDirect provides 24/7 teleconsultation services allowing members to obtain medical advice, opinions, and consultations via written or video format. Doctors are registered with the Order of Physicians, are independent, practice in clinics, and are bound by medical confidentiality.
• AEMA GroupeminorOthersAEMA Groupe is mentioned as an endorsement partner, representing the mutual insurance group federation.

Scale indicators9 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Allianz France: Large French insurance provider offering group health, prévoyance and individual health products. Comparable as a broad incumbent competing for corporate health benefits contracts in the French market.
• AXA France: Major French health and protection insurer offering group and individual health coverage. Broadly comparable to MNPAF in the health insurance space, though operating as a for-profit incumbent with a much broader product portfolio beyond aviation-sector employees.

Emerging players

• Alan: French digital-first health insurance provider targeting SMEs and employees with a tech-led experience. Comparable to MNPAF as it increasingly competes for corporate health benefits contracts in France, though with a vertically integrated technology stack rather than a mutual model.

Direct peers

• Klesia: French group protection mutual serving corporate clients across multiple sectors with health, prévoyance and retirement products. Comparable to MNPAF as an employer-sponsored mutual health provider, though serving broader industry verticals.
• Henner: French group health and prévoyance specialist with strong presence in corporate and international employee benefits. Comparable to MNPAF in the group health insurance segment, with deeper experience in international and expatriate corporate plans.
• Harmonie Mutuelle: One of France's largest health-focused mutuelles serving individuals and corporate employee groups. Highly comparable to MNPAF as a non-profit mutual offering health reimbursement, prevention and teleconsultation services to employed populations.
• AEMA Groupe (Aésio Mutuelle / Macif): Federation of French mutual insurers (including Aésio Mutuelle and Macif) providing group and individual health coverage. Directly comparable to MNPAF given the explicit endorsement partnership noted in the data; shares mutual governance and group health distribution.
• Malakoff Humanis: Leading French group protection mutual offering health, prévoyance and retirement coverage to corporate clients. Comparable to MNPAF in providing employer-sponsored complementary health insurance with a mutual/non-profit heritage.
• MGEN (Mutuelle Générale de l'Education Nationale): Major French mutual health insurer providing comprehensive health coverage to education sector employees and beneficiaries. Directly comparable to MNPAF's model of providing employer-affiliated mutual health coverage with a non-profit governance structure.

Others

• Santéclair: Healthcare network and platform partner for French mutuals and insurers, providing negotiated provider rates, teleconsultation, and prevention services. Comparable as an enabling ecosystem partner to MNPAF's service offering rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCHKQ8ph-j6GCnil0k3oKOog
• Facebookfacebook.com/MutuelleAirFrance
• LinkedInlinkedin.com/company/mutuelle-air-france
• Instagraminstagram.com/mutuelleairfrance
• Xx.com/mnpaf

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 Mutuelle Air France