Jaji

Name

Jaji

Legal name

Mutuelle Jaji

Website

https://jaji.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Group Health Insurance (Mutuelle d'Entreprise)

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Other Insurance Related Activities (52429)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Supplemental/Voluntary Group Term Life (Employee-Paid) (FSAIADAB)

Keywords

• Health insurance
• Mutual insurance
• Employee benefits
• Group health coverage
• Digital insurance platform

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Collective Health Insurance Premiums: Jaji generates revenue through employer and employee premium contributions (cotisations) for mandatory complementary health insurance (mutuelle d'entreprise). Employers contribute minimum 50% of premiums per French law (ANI 2016). Premiums are collected via SEPA direct debit (Go Cardless) and managed through the digital platform. Jaji operates under a mutualist model where surpluses are redistributed to members or solidarity organizations annually.
2. Health Reimbursements Administration: Third-party payer (tiers payant) management for reimbursements, with partners Almérys handling tiers payant operations and Assurnet managing Noémie flows for synchronized data exchange with Assurance Maladie.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Jaji is a French mutual insurance company (mutuelle) that provides fully digital complementary collective health insurance (mutuelle d'entreprise) to small and medium enterprises (TPE/PME). It sells sector-specific health coverage plans compliant with French conventions collectives (Syntec, Publicité et Communication, Experts-Comptables) through its proprietary web platform and mobile application, enabling 5-minute dematerialized subscription, online contract management, and digital reimbursement tracking. The company operates under the mutualist model, redistributing annual surpluses to members or solidarity organizations, and holds société à mission status verified by an independent third party.

Product overview

Jaji is a digital mutual health insurance company (mutuelle) for businesses, operating as a mission-driven company (société à mission). The core offering is the Jaji Mutuelle d'Entreprise platform providing employee health coverage. The product portfolio includes: employer and member web portals (Espace Entreprise, Espace Adhérent) for contract management and administrative tasks; a mobile application for iOS and Android; three coverage tiers (Essentielle, Équilibrée, Augmentée) adapted to specific collective agreements; sector-specific plans for Syntec, Publicité et Communication, and Experts-Comptables; and the 'J'agis' engagement feature enabling solidarity actions. The platform emphasizes fully digital subscription, rapid reimbursements, and transparent guarantees.

Differentiator

Problem solved

Functional benefit

Products and services

• Jaji Mutuelle d'Entreprise Core collective complementary health insurance (mutuelle d'entreprise) for French small and medium enterprises, providing mandatory employee health coverage compliant with French legal requirements (ANI 2016) and applicable conventions collectives. Includes centralized employer platform, dematerialized subscription, transparent guarantees, and fast reimbursements.
• Offre Syntec Health insurance plan compliant with the Syntec collective agreement, tailored for technology companies, software publishers, digital agencies, and consulting firms operating under Syntec convention requirements.
• Offre Publicité et Communication Health insurance plan adapted to the advertising and communication sector collective agreement, meeting the legal obligation for agencies under the Publicité convention to provide complementary health coverage.
• Offre Experts-Comptables Health insurance solution designed for accounting firms and their SME clients, offering three coverage tiers (Essentielle, Équilibrée, Augmentée) developed in collaboration with accounting professionals to address both internal firm coverage and simplified onboarding of transitioning SME clients.

Quantifiable outcome

• Fully dematerialized contract subscription process in 5 minutes
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core, major and minor.

• Ma Boussole AidantscoreStrategic or Co-development PartnerMa Boussole Aidants collaborated with Jaji to build the first accompaniment pathway for caregivers ('salariés aidants') on the J'agis platform. Approximately 1 in 6 employees are caregivers, and this pathway helps employers inform, exchange with, and support affected employees through checklists and expert contacts.
• Établissement Français du Sang (EFS)majorStrategic or Co-development PartnerEFS is France's civil blood transfusion operator. Jaji has partnered with EFS to enable and encourage blood donation among its members, allowing employees to participate in this civic action through the employer platform's engagement tab.
• JeVeuxAider.gouv.frmajorStrategic or Co-development PartnerJeVeuxAider is a public platform proposed by the Réserve Civique that connects people who want to act for the general interest. Jaji integrates this partnership into its engagement tab, allowing members to discover and sign up for volunteering missions.
• Captain CausemajorStrategic or Co-development PartnerCaptain Cause is a société à mission that enables companies to offer pre-financed donations to their clients, partners, and collaborators. Jaji partnered with Captain Cause to offer engagement opportunities allowing members to support charitable causes.
• OoonehealthminorStrategic or Co-development PartnerOoonehealth represents the One Health approach recognizing interdependencies between human, animal, and ecosystem health. Jaji partnered with Ooonehealth to address broader health and sustainability themes through its engagement platform.
• AlméryscoreTechnology or IntegrationAlmérys handles third-party payment (tiers payant) management for Jaji, processing healthcare payments directly between Jaji and healthcare providers. This is a critical operational service for the mutual's core reimbursement function.
• AssurnetcoreTechnology or IntegrationAssurnet manages Noémie data flows for Jaji, enabling synchronized data exchange between Jaji's systems and Assurance Maladie for accurate and timely reimbursement processing.
• BridgecoreTechnology or IntegrationBridge handles bank transfers for Jaji, processing reimbursement payments to policyholders' bank accounts as part of the claims settlement process.
• Go CardlesscoreTechnology or IntegrationGo Cardless handles SEPA direct debit collection of premiums from Jaji's policyholders, enabling automated recurring premium collection in compliance with French banking regulations.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• AXA France: One of France's largest insurance carriers offering group health, employee benefits, and a wide range of commercial and personal insurance products. AXA France competes for the same SME employer customers as Jaji, with far broader product breadth and an established broker and direct distribution network.
• Malakoff Humanis: Leading French social protection group providing group health, prévoyance, retirement, and employee savings to businesses. Malakoff Humanis is a major incumbent in the same employer-sponsored health and benefits market that Jaji targets.
• Klesia: One of France's leading social protection groups, providing group health, prévoyance, retirement, and employee benefits to enterprises across all sizes. Klesia is Jaji's institutional backer and the risk-bearing insurer behind the mutual, making it a direct parent/incumbent with overlapping customer segments.
• Harmonie Mutuelle: One of France's largest mutual health insurers, serving individuals and businesses with collective complementary health coverage. Harmonie Mutuelle competes in the same French group health insurance market as Jaji but at much larger scale and through traditional broker-led distribution.
• Vyv: Major French mutualist group (formerly MGEN/Harmonie) offering health, retirement, and social protection products to individuals and businesses. Vyv competes broadly in the French group health market with the same mutualist positioning Jaji emphasizes, but at significantly greater scale and geographic reach.

Direct peers

• Alan: French digital health insurer (mutuelle) selling complementary health coverage to SMEs and individuals through a fully digital platform. Alan is the closest direct competitor to Jaji in terms of digital-first B2B health insurance for small and medium-sized French businesses, and competes for the same employer HR buyer.
• Acheel: French digital insurance platform offering health, home, auto, and business insurance directly to consumers and SMEs online. Acheel shares Jaji's digital-only distribution philosophy and its focus on simplifying traditionally broker-heavy insurance products for French customers.
• Henner: French group health insurance specialist and broker focused on collective complementary health and employee benefits for businesses. Henner serves a similar employer customer base to Jaji, particularly mid-market and internationally-mobile employees, with comparable convention-specific expertise.

Emerging players

• Luko: French neo-insurer with a digital-first, mission-driven model originally focused on home insurance and now expanding into broader P&C and protection products (acquired by BNP Paribas). Luko shares Jaji's digital-only distribution philosophy and values-driven branding, though it operates in different insurance lines.

Others

• Swile: French employee benefits platform offering meal vouchers, gift cards, mobility benefits, and complementary HR services to employers. While not an insurer, Swile sells to the same French SME HR buyers that Jaji targets and is increasingly expanding into adjacent employee-wellness categories.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/jaji.mutuelle
• LinkedInlinkedin.com/company/jaji
• Instagraminstagram.com/jaji_fr

Compliance3 records

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 Jaji