What Mutuelle Intégrance does

Mutuelle Intégrance is a French mutual insurance company governed by Livre II du Code de la Mutualité and affiliated with the Fédération nationale de la Mutualité Française (FNMF). Founded circa 1979 and headquartered in Paris (SIRENE No. 340 359 900), it operates as a private, member-owned mutuelle without external shareholders, holding ISO 9001 quality certification and "100% France" status. Its product portfolio is organized along four client segments: individuals and family caregivers, protected adults (majeurs protégés) under legal guardianship, self-employed workers (TNS), and companies/associations in the Social and Solidarity Economy — including ESAT (sheltered work establishments) governed under CCN collective agreements. Pricing for individual products starts from €67/month for MAS/FAM coverage, with collective contracts and life insurance distribution arranged through partnerships with Carac (Carac Épargne Protection) and APICIL (Intencial Libéralys Vie, Allocation Obsèques), the latter eligible for Épargne Handicap tax advantages.

The technological footprint is dominated by three operational extranets: iAdhérent for member self-service, iCollectif for employer group contract management with DSN exchange, and iTutelle for Mandataires Judiciaires à la Protection des Majeurs (MJPM), enabling electronic signature and Complémentaire Santé Solaire renewal. Distribution relies on direct channels (website, phone-based sales and service) and partner channels (Carac, APICIL, Prévifil for teleassistance, Actil for Tiers Payant, Noémie for télétransmission with French Social Security). The social action committee, managed by the head of Social Action Service, provides additional financial aid (housing accessibility, hearing aids, dental implants, hospital fees) routed through the aide.integrance.fr portal (Optimy).

Revenue mechanics combine monthly subscription premiums for individual health products, annual Madelin-eligible TNS prévoyance contributions (deductible up to ~€11,534 in 2026), collective enterprise contracts under CCN 66 / CCN 79 / CHRS, and savings/funds under management distributed through APICIL/Carac. The company serves primarily French residents and Belgian-hosted protected adults dependent on French social security, with no international expansion beyond this niche cross-border use case. Headcount is reported in the 101-250 band; financial results are not publicly disclosed, consistent with mutual insurer governance norms.

Name

Mutuelle Intégrance

Legal name

Mutuelle Intégrance

Website

https://integrance.fr

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

101–250 employees

Short description

Mutuelle Intégrance is a Paris-based mutual insurance company, founded circa 1979, providing health, provident, life insurance, and assistance to vulnerable populations in France — including protected adults, elderly, ESAT workers, and family caregivers — regulated under the Code de la Mutualité.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Pricing tiers

Distribution channels3 records

Marketing channels4 records

Core offering

Mutuelle Intégrance is a non-profit French mutual insurance company that designs and distributes complementary health insurance (including products for EHPAD residents, seniors at home, polyhandicapped persons in MAS/FAM, self-employed workers, and protected adults), provident insurance (death protection, funeral allowance, self-employed disability coverage), and Épargne Handicap-eligible life insurance contracts distributed in partnership with APICIL and Carac. Its offering is specifically oriented toward vulnerable populations — protected adults, elderly, disabled persons, family caregivers, and Social and Solidarity Economy associations — and includes integrated assistance services such as teleconsultation, teleassistance (Prévifil), and a social aid committee providing supplementary financial assistance.

Product overview

Mutuelle Intégrance operates as a comprehensive mutual insurance organization offering a multi-product portfolio organized around health insurance, provident insurance, life insurance, and assistance services. The health insurance offerings are segmented by client profile: (1) Particuliers & Aidants familiaux covering individuals and family caregivers with products like Tria'santé EHPAD, Agil'santé Domicile, Garantie MAS-FAM, Solution'Belgique, and Longi'santé; (2) Majeurs protégés (protected adults) with specialized products including Intégrance Proxi'santé, Tria'santé EHPAD for EHPAD residents, Garantie MAS-FAM for MAS/FAM residents, Solution'Belgique for Belgium residents, and Intégrance Sortie d'ESAT for disabled workers leaving ESAT; (3) Travailleurs Non Salariés (self-employed) with Indép'santé health and Prévoyance TNS provident insurance; and (4) Entreprises & Associations with CCN collective agreement solutions and Flex'ESAT products for sheltered workshops. Life insurance products include Intencial Libéralys Vie and Carac Épargne Protection (both eligible for Épargne Handicap tax advantages) in partnership with APICIL and Carac respectively. Funeral allowance products are offered through Allocation Obsèques. The offering includes integrated assistance services (Intégrance Assistance) with teleconsultation, second medical opinion, and disability support, plus dedicated extranets (iCollectif for employers, iAdhérent for members, iTutelle for legal guardians) and social aid programs. The company also partners with Prévifil for teleassistance services.

Differentiator

Problem solved

Functional benefit

Brands

• Intencial Libéralys Vie: Life insurance product distributed by Mutuelle Intégrance, eligible for Épargne Handicap taxation. Provided in partnership with the APICIL Group.
• Intencial Patrimoine

Products and services

• Tria'santé EHPAD Complementary health insurance for seniors residing in EHPAD (Établissement d'Hébergement pour Personnes Âgées Dépendantes) nursing homes. Covers daily care costs not reimbursed by Assurance Maladie, including room supplements, optics, dental, hearing aids, and nursing-home-related expenses. For protected-adult residents, it is available from age 50 with immediate coverage and includes hospitalization, medical fees, medical equipment, well-being treatments, and pharmacy.
• Agil'santé Domicile Complementary health insurance designed for individuals over 65 years old living at home, offering comprehensive coverage adapted to seniors' needs with services to help maintain independence at home.
• Garantie MAS-FAM Specialized complementary health insurance for polyhandicapped persons hosted in MAS (Maison d'Accueil Spécialisée) or FAM (Foyer d'Accueil Médicalisé) facilities, covering medical expenses not reimbursed by Social Security, including auxiliary medical care, pharmacy including non-reimbursed medications, hospitalization with companion allowance, dental prosthetics, optics, and technical aids. Available at a flat rate of €67/month including assistance services, no health questionnaire required.
• Solution'Belgique Health insurance solution for disabled persons (and protected adults) residing in Belgium in housing facilities who depend on the French social security system, covering medical consultations, hospitalization, pharmacy, dental care, hearing aids, and transportation costs in both Belgium and France.
• Longi'santé Health insurance product for young people, couples, and families offering comprehensive coverage for everyday health needs.
• Intégrance Proxi'santé Complementary health insurance for protected adults (majeurs protégés) living at home, developed in collaboration with professional MJPM. Features 2 coverage levels with 100% Santé coverage included, assistance services, and support for home healthcare.
• Intégrance Sortie d'ESAT Specialized health insurance for disabled workers aged 55 and older leaving an ESAT (Établissement et Service d'Aide par le Travail). Offers 4 guarantee levels with adapted contributions for retired disabled workers' limited incomes.
• Indép'santé Health insurance contract for self-employed workers (travailleurs indépendants) aged 16-69, offering 4 formula options with no medical questionnaire, immediate effect membership, and electronic signature. Includes 100% Santé coverage for optics, dental, and hearing aids.
• Offre Prévoyance TNS Modular provident insurance for self-employed workers (TNS) covering income maintenance in case of work stoppage, death capital and annuities, and disability pensions. Eligible for Loi Madelin tax advantages with contributions deductible from professional income (3.75% of annual professional income + 7% of PASS, capped at 3% of 8 times PASS = €11,534.40 in 2026).
• Protection Décès Death protection insurance providing financial security for beneficiaries in the event of the insured person's death.
• Allocation Obsèques Funeral allowance insurance offered in partnership with APICIL, providing financial assistance for funeral costs. Coverage amounts from €500 to €4,000, no medical questionnaire required, available from age 12 to 71, with benefits paid exempt from inheritance taxes.
• Intencial Libéralys Vie Individual life insurance contract eligible for Épargne Handicap tax advantages, distributed by Intégrance under INTENCIAL Patrimoine brand and insured by APICIL Groupe. Features euro funds (Apicil Euro Garanti, Apicil EuroFlex) and socially responsible unit-linked funds, with 2020 net management fee yields of 0.85% and 1.40% respectively. Minimum initial contribution €1,000 (or €500 programmed or €50/support); minimum €100 monthly free contributions or €50/support.
• Carac Épargne Protection Individual single-support euro life insurance contract distributed by Intégrance in partnership with Carac. Dedicated to preserving savings for protected adults under legal protection, with 2024 net management fee yield of 3.5%, no investment ceiling, and eligibility for the Épargne Handicap option providing 25% tax reduction on annual premiums (up to €1,525 + €300 per dependent child). No fees on contributions; 0.90% management fees on managed savings.
• CCN 66, CCN 79 et CHRS pour les salariés Health insurance solutions for employees under specific collective agreements: CCN 66 (social and medico-social sector), CCN 79 (early childhood), and CHRS (housing centers).
• Solidarité Pro CCN51, SAP ou CCN sans accord de branche santé Health insurance for employers without a sectoral collective agreement, providing flexible coverage options compliant with legal requirements, including CCN 51 and SAP (Services à la Personne) contexts.
• Flex'ESAT Santé Health insurance offer for workers in ESAT (Établissement et Service d'Aide par le Travail), covering disabled workers in sheltered employment.
• Flex'ESAT Prévoyance Provident insurance for workers in ESAT, helping establishments secure their budget by pooling risks and benefiting from state compensation for up to 2% of direct salary.

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Groupe Vyv: Largest French mutual health and social protection group, parent of Harmonie Mutuelle and other mutuelles (MGEN, etc.). Vyv operates across health, housing, and care services at a much larger scale than Mutuelle Intégrance but with overlapping vulnerable-population exposure through its social protection and dependency units.
• AG2R La Mondiale: Major French social protection group providing retirement, complementary health, and provident insurance across individuals and enterprises. AG2R La Mondiale serves similar vulnerable and social-economy segments but at significantly larger scale and broader product breadth than Mutuelle Intégrance.
• Malakoff Humanis: Leading French social protection mutual group offering health, retirement, and provident services across enterprises and individuals, including social-sector employers. Malakoff Humanis's social-sector enterprise focus overlaps directly with Mutuelle Intégrance's CCN 66 / CCN 79 / ESAT employer base.

Direct peers

• Harmonie Mutuelle: One of France's largest complementary health mutuelles serving individuals, professionals, and enterprises with health, prevention, and assistance services. Harmonie Mutuelle's broad product portfolio and mutuelle governance most directly mirror Intégrance's structure, though at significantly larger scale.
• APICIL: Major French mutual group offering life insurance, retirement savings, and complementary health, and the carrier partner underwriting Intégrance's Intencial Libéralys Vie and Allocation Obsèques products. APICIL's protection/social focus and distribution through mutuelle partners makes it a directly comparable mutual insurance peer.
• Klesia: French mutual protection group focused on social protection, retirement, and complementary health insurance for vulnerable populations across healthcare and social sectors. Klesia's service to protected adults and social-sector employees closely mirrors Mutuelle Intégrance's positioning in social/economie sociale et solidaire segments.
• La Mutuelle Générale: French mutual offering individual and collective complementary health, provident, and savings products across populations. La Mutuelle Générale shares Intégrance's Code de la Mutualité regulatory basis and FNMF affiliation while operating at a broader market scale.
• MGEN: Major French mutual health insurer serving education and social-sector professionals with comprehensive complementary health and provident coverage. MGEN's mutuelle governance model, social-sector orientation, and breadth of cover make it a directly comparable peer in French mutuelle health insurance.
• Carac: French mutual savings and retirement insurer offering the Carac Épargne Protection single-support euro life insurance distributed by Mutuelle Intégrance. Carac shares Intégrance's mutualist code governance, FNMF affiliation, and focus on protected-adult wealth preservation.

Emerging players

• Alan: France-based digital health insurance challenger targeting self-employed professionals and SMEs with a mobile-first health and provident offering. Alan directly competes for Intégrance's TNS/self-employed segment (Indép'santé, TNS Prévoyance), with focus on the same no-medical-questionnaire and digital self-service propositions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/mut_integrance
• Facebookfacebook.com/mutuelleintegrance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Intégrance