M-team
M-team is the Belgian non-profit federation Union Nationale des Mutualités Libres (MLOZ), administering statutory health insurance and supplementary products (Hospitalia, Dentalia Up) to 2.3 million members through three regional mutualities (Partenamut, Helan, Freie Krankenkasse) serving Belgium's French, Dutch, and German-speaking communities.
- Company typePrivate
- Founded1996
- HeadquartersAnderlecht, Belgium
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What M-team does
M-team, operating legally as Union Nationale des Mutualités Libres (MLOZ) and branded as Mutualités Libres / Onafhankelijke Ziekenfondsen, is a Belgian non-profit federation of three regional health insurance mutualities: Partenamut (French-speaking, Brussels), Helan Onafhankelijk Ziekenfonds (Dutch-speaking, Wilrijk), and Freie Krankenkasse (German-speaking, Büllingen). Founded in 1996 and headquartered in Anderlecht/Brussels, the organization is the third-largest mutualist group in Belgium, administering statutory health insurance, medication reimbursements, home care, health centers, and prevention services to 2,315,220 members with a workforce of 3,309 collaborators. Its role as the legal interlocutor for its member mutualities is statutorily defined under Belgian law.
The product portfolio centers on mandatory health insurance administration, augmented by two voluntary supplementary products — Hospitalia (hospitalization) and Dentalia Up (dental care) — sold to affiliated members for additional contributions. A digital self-service layer sits on top of this core: CostHop enables members to compare hospital costs by facility and intervention; BIM-RVV-Status checks eligibility for increased reimbursement (BIM/RVV); Mediphone Assist provides 24/7 travel medical assistance; and the 4CP platform lets healthcare providers consult invoices and payment statements. The organization also runs work-incapacity support services covering more than 450,000 annual cases, publishes annual health studies and policy positions (notably the "Horizon 2030" memorandum), and maintains corporate communication channels including website, LinkedIn, YouTube, podcasts, and newsletters.
The business model is contribution-based (cotisations) recurring revenue from individual members for mandatory coverage, supplemented by optional premiums for Hospitalia and Dentalia Up. The go-to-market is direct-to-consumer via the three regional mutualities' physical offices, online self-service tools, and direct customer support, with a secondary motion supporting healthcare providers through billing and reimbursement systems. No public funding rounds, M&A, or external investors are present, consistent with the non-profit mutual structure.
M-team firmographics
Firmographics- Name
- M-team
- Legal name
- Union Nationale des Mutualités Libres
- Website
- https://m-team.be
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- M-team is the Belgian non-profit federation Union Nationale des Mutualités Libres (MLOZ), administering statutory health insurance and supplementary products (Hospitalia, Dentalia Up) to 2.3 million members through three regional mutualities (Partenamut, Helan, Freie Krankenkasse) serving Belgium's French, Dutch, and German-speaking communities.
- Ownership category
- akta.pro rank
M-team industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
Keywords
Where M-team is headquartered
LocationHeadquarters
- HQ city
- Anderlecht
- HQ country
- Belgium
- HQ region
- Europe
Offices3 records
Markets served
M-team business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Member Contributions (Cotisations): Members of the three mutualities pay regular contributions (cotisations) for mandatory health insurance coverage and optional supplementary insurance products such as Hospitalia hospitalization insurance and Dentalia Up dental insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Mandatory health insurance with optional supplementary coverage |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
M-team product offering
Product offeringCore offering
M-team (Mutualités Libres / MLOZ) is the federation of three apolitical Belgian health insurance mutualities (Freie Krankenkasse, Helan Onafhankelijk Ziekenfonds, and Partenamut) that administers mandatory health insurance, medication reimbursements, and supplementary insurance products for 2.3 million members. Its commercial portfolio includes optional Hospitalia hospitalisation insurance and Dentalia Up dental insurance, complemented by digital tools such as CostHop, Mediphone Assist travel assistance, and the BIM-RVV Status eligibility checker.
Product overview
Les Mutualités Libres (MLOZ) operates as a federation of three apolitical Belgian health insurance mutualities (Freie Krankenkasse, Helan Onafhankelijk Ziekenfonds, and Partenamut), managing mandatory health insurance, reimbursements, and supplementary insurance products. The core service is mandatory health insurance administration serving 2.3 million members. The product portfolio includes two supplementary insurance offerings—Hospitalia (hospitalisation) and Dentalia Up (dental care)—sold alongside optional supplementary insurance policies. Digital self-service tools include CostHop (hospital cost calculator), Mediphone Assist (24/7 travel medical assistance), and the BIM-RVV-Status online eligibility checker. The organisation also provides work disability support services, health studies, and advocacy.
Differentiator
Problem solved
Functional benefit
Brands
- Mediphone Assist: Travel assistance service available 24/7 for insured members of the complementary insurance of one of the 3 Mutualités Libres.
- CostHop
- Hospitalia
- Dentalia Up
Products and services
- Hospitalia Optional supplementary hospitalisation insurance offered to affiliates of the three Mutualités Libres (Freie Krankenkasse, Helan, Partenamut) for an additional membership contribution, covering hospitalisation costs.
- Dentalia Up Optional supplementary dental insurance offered to affiliates of the three Mutualités Libres for an additional membership contribution, covering dental care costs.
- CostHop Online tool enabling members to calculate hospital costs per facility and by type of medical intervention.
- Mediphone Assist 24/7 travel medical assistance service available to members holding supplementary insurance from one of the three Mutualités Libres, for health emergencies while travelling.
- BIM-RVV Status (Intervention Majorée) Online form enabling members to check whether they meet the criteria to benefit from increased intervention (BIM/RVV), which provides better reimbursement rates under Belgian mandatory health insurance.
- 4CP Billing Service Invoice management platform for healthcare providers (doctors, pharmacists, hospitals) to consult payments, search for payments, and consult statements from the mutualities.
- Mandatory Health Insurance Administration Core statutory health insurance service for the 2.3 million members of the three Mutualités Libres, covering insurance administration, medication reimbursements, home care services, access to health centres, and prevention and health promotion services.
Companies that use M-team
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles1 record
M-team technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
M-team partnerships and signals
Strategic signalScale indicators2 records
Recent moves1 record
Expansion highlights5 records
M-team competitors and assessment
Company assessmentDirect peers
- Christelijke Mutualiteit (CM/MC): Largest Belgian mutual health insurance group with ~4.5M members, operating under the same statutory framework as M-team. Directly comparable in product mix (mandatory plus supplementary), member-funded model, and regional brand structure.
- Solidaris: Second-largest Belgian mutual (socialist leaning) administering mandatory health insurance and supplementary products. Closest direct competitor to M-team with overlapping member base and similar non-profit, regional mutual structure.
- Neutraal Ziekenfonds Vlaanderen: Belgian neutral mutual health insurance organization offering statutory and supplementary coverage. Comparable to M-team in mutual model, product offering, and reliance on regional brand identity within the closed Belgian mutual landscape.
- Onafhankelijk Ziekenfonds (OZ): Independent Belgian mutual providing mandatory and supplementary health insurance to members across Flemish regions. Direct peer to M-team under the same statutory framework, competing for the same member pool with similar product structure.
- HZIV (Hulpkas voor Ziekte- en Invaliditeitsverzekering): Belgian public auxiliary fund administering mandatory health insurance as a fallback for Belgians not affiliated with one of the mutual groups. Comparable to M-team in administering the same statutory scheme but as a state-run alternative.
Broad incumbents
- AG Insurance: Major Belgian private insurer (Ageas/BNP Paribas Fortis JV) offering health, life, and non-life coverage. Broader incumbent that competes with M-team in supplementary health insurance while serving wider insurance needs across Belgium.
- AXA Belgium: Largest private insurer in Belgium offering health and broader insurance products. Incumbent that competes with M-team for supplementary health insurance members while operating as a diversified multi-line carrier.
- DKV Belgium: Belgian subsidiary of Munich Re's DKV specializing in health and supplementary insurance products. Direct overlap with M-team's Hospitalia and Dentalia Up lines, competing for voluntary insurance members within the same Belgian market.
Regional players
- VGZ: Large Dutch health insurance mutual operating under the Dutch statutory framework with voluntary supplementary products. Comparable mutual model and product structure to M-team but serving the Netherlands rather than Belgium, providing regional cross-border context.
- AOK (Allgemeine Ortskrankenkasse): German statutory health insurance fund operating under the German Sozialgesetzbuch framework with voluntary supplementary offerings. Closest international analog to M-team's mutual/mandatory-plus-voluntary model, though in the German rather than Belgian market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
M-team social profiles
Digital presenceM-team financial estimates
Financial estimateRevenue estimate
Valuation estimate
M-team leadership team
Management profileNumber of profiles
Profiles1 record
M-team subsidiaries and ownership
Company hierarchySubsidiaries3 records
M-team funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
M-team M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about M-team
What does M-team do?
M-team (Mutualités Libres / MLOZ) is the federation of three apolitical Belgian health insurance mutualities (Freie Krankenkasse, Helan Onafhankelijk Ziekenfonds, and Partenamut) that administers mandatory health insurance, medication reimbursements, and supplementary insurance products for 2.3 million members. Its commercial portfolio includes optional Hospitalia hospitalisation insurance and Dentalia Up dental insurance, complemented by digital tools such as CostHop, Mediphone Assist travel assistance, and the BIM-RVV Status eligibility checker.
Is M-team a public or private company?
M-team is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was M-team founded?
M-team was founded in 1996. It employs 1,001 to 5,000 people.
Where is M-team based?
M-team is headquartered in Anderlecht, Belgium, in the Europe region.
How does M-team make money?
One revenue line is on record: member Contributions (Cotisations).
Who are M-team's main competitors?
Direct peers on record are Christelijke Mutualiteit (CM/MC), Solidaris, Neutraal Ziekenfonds Vlaanderen, Onafhankelijk Ziekenfonds (OZ) and HZIV (Hulpkas voor Ziekte- en Invaliditeitsverzekering). Broad incumbents are AG Insurance, AXA Belgium and DKV Belgium. Regional players are VGZ and AOK (Allgemeine Ortskrankenkasse).
Does M-team have an API?
No public API is recorded for M-team.
What industry is M-team in?
M-team's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident). Its NAICS code is 524114 and its SIC code is 6324.