HEYME
- Company typePrivate
- Founded2019
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What HEYME does
HEYME is a digital-first mutual insurance brand operating under LUTECEA SAS (RCS Marseille 845181379, ORIAS 19002840), a brokerage firm regulated by the ACPR and jointly owned by three French mutual organizations: MEP (50%), SMEREP (25%), and UMGP (25%). Founded in June 2019, HEYME targets students (from age 16), young active professionals (up to age 35), and — through its HEYME Freelance sub-brand launched in February 2021 — independent workers, freelancers, and self-employed professionals. The company also offers dedicated plans for seniors (from age 60) and families. The product portfolio centers on supplementary complementary health insurance (mutuelle santé) at €12/month for students and €19.66/month for young actives, with modular reinforcements for dental, optical, and specialist fees. The offering extends to civil liability insurance (from €12/year), auto insurance, home/renter's insurance (from €36/year with free roommate coverage), prévoyance/income protection for independents (from €7.50/month), an optional Pack Bien-être wellness add-on (€4.50/month), and international coverage via the World Pass sub-brand.
HEYME firmographics
Firmographics- Name
- HEYME
- Legal name
- LUTECEA SAS
- Website
- https://heyme.care
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
HEYME industry classification
Industry- Product category
- Supplementary Health Insurance (Mutuelle)
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311)
- akta.pro primary industry
- Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)
- akta.pro secondary industry
- Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)
Keywords
Where HEYME is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
HEYME business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Supplementary Health Insurance (Complémentaire Santé): Monthly or annual subscription-based complementary health insurance covering hospitalization, dental, optical, and everyday healthcare expenses. Revenue is generated through recurring premiums paid by individual policyholders. The company offers modular packs allowing customers to add reinforcements for specific needs (dental, optical, fee overruns). Available to students (from age 16), young actives (up to 35), seniors, families, and independents.
- Property & Casualty Insurance: One-time or annual insurance products covering liability (RC), auto, home/renter's insurance, and specialized packs (bike insurance via Sharelock partnership, well-being pack). Revenue generated through annual or monthly premiums.
- Prévoyance Insurance: Income maintenance insurance for independents in case of work stoppage, disability annuity, or capital payment in case of death or total permanent loss of autonomy. Subscription-based annual premiums starting from €7.50/year.
- Pack Bien-être (Well-being Pack): Supplementary wellness coverage including sports activity reimbursement, alternative medicine consultations (sophrology, acupuncture, osteopathy, etc.), smoking cessation support, and dietary consultation. Sold as an add-on to the main health insurance at €4.50/month.
- International Health Insurance (World Pass): Comprehensive international health coverage for students and professionals traveling or working abroad, including medical expenses, repatriation assistance, luggage coverage, and legal protection.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Mutuelle santé jeunes (18-35 ans) - entry-level complementary health insurance |
| Subscription | Monthly | Mutuelle étudiants (à partir de 16 ans) - student health insurance |
| Subscription | Annual | Responsabilité Civile (RC) - civil liability insurance |
| Subscription | Monthly | Mutuelle indépendants freelance - health insurance for freelancers and self-employed |
| Subscription | Monthly | Prévoyance freelance - income protection insurance for independents |
| Subscription | Monthly | Pack Bien-être - wellness boost pack (add-on) |
| Subscription | Annual | Assurance habitation - home/renter's insurance |
| Subscription | Annual | Assurance auto - auto insurance for students |
| Subscription | Monthly | Vélo assurance via Sharelock - bicycle insurance |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels8 records
HEYME product offering
Product offeringCore offering
HEYME provides digital-first supplementary health insurance (mutuelle santé) and ancillary insurance products — including home, auto, civil liability, international health coverage, and freelance income protection — targeted at students, young professionals, freelancers, families, and seniors in France. All products are fully subscribed and managed online via the heyme.care website and native iOS/Android mobile applications, with integrated teleconsultation and a dematerialized third-party payment card.
Product overview
HEYME is a digital-first mutual insurance company operating under LUTECEA (SAS, RCS Marseille 845181379, ORIAS 19002840), regulated by ACPR, targeting students and young active professionals. The product portfolio centers on supplementary health insurance (mutuelle) with modular coverage options including hospitalization, dental, optical, and everyday care. Core offerings include student health insurance (ages 16+), young professional insurance (up to age 35), family plans, and dedicated freelancer insurance via the freelance.heyme.care sub-platform. The offering extends to civil liability insurance, auto insurance, home insurance, and a Well-being Pack add-on covering sport, alternative medicine, and smoking cessation. International coverage is provided through World Pass. All products are managed through a mobile application and online personal account with digital insurance cards and third-party payment cards.
Differentiator
Problem solved
Functional benefit
Brands
- HEYME Freelance: Digital complementary health insurance and provident insurance for freelancers and independent workers.
- World Pass
Products and services
- Mutuelle Étudiants Supplementary health insurance (mutuelle santé) designed for students aged 16 and older in higher education or apprenticeship, providing reimbursements complementary to French Sécurité Sociale and fully managed online.
- Mutuelle Jeunes Actifs Supplementary health insurance for young working professionals up to 35 years old without employer-sponsored mutual coverage, fully subscribed and managed online.
- Mutuelle Seniors (60+) Supplementary health insurance tailored for seniors aged 60 and above, offering age-appropriate reimbursements complementary to French Sécurité Sociale.
- Mutuelle Familles Supplementary health insurance providing pooled coverage for households and families under a single subscription.
- Mutuelle Indépendants Supplementary health insurance designed for independent and self-employed workers, providing portable coverage complementary to French Sécurité Sociale.
- Complémentaire Santé Freelance Supplementary health insurance for freelancers and self-employed professionals, distributed via the dedicated freelance portal freelance.heyme.care.
- Assurance Responsabilité Civile Civil liability insurance covering damages caused to third parties, available as a standalone ancillary product to complement HEYME mutuelle coverage.
- Assurance Auto Auto insurance product offered by HEYME as part of its ancillary insurance range alongside its health mutuelle offerings.
- Assurance Habitation Home insurance product offered by HEYME as part of its ancillary insurance range, complementing its health mutuelle offerings.
- Pack Bien-être Add-on well-being module that lets customers customize their base HEYME mutuelle offer with additional well-being and prevention benefits.
- Assurance Prévoyance Freelance Income protection (prévoyance) insurance for freelancers and independent workers, distributed via the dedicated freelance portal freelance.heyme.care.
- World Pass (international health insurance) International health insurance product ('World Pass') covering customers outside of France, provided as part of HEYME's ancillary insurance range.
Quantifiable outcome
- 56% des étudiants n'utilisent pas systématiquement un préservatif lors d'un rapport sexuel (2019 health survey finding used to drive prevention programs)
- +3 more outcomes
Companies that use HEYME
Customer profileSegments6 records
Ideal customer profiles4 records
HEYME technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
HEYME partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- SharelockminorPartnership with insurtech Sharelock to offer bicycle insurance to students and young professionals at competitive rates (from €0.50/month). Integrated via HEYME freelance portal as a referral/embedded offer. Provides coverage for bicycle theft and damage.
- MOOC Factory du CRIminorCollaborative initiative with Le Lab HEYME, Premiers Cris, and the MOOC Factory du CRI to launch the digital education MOOC 'La petite culture numérique: le développement du...' focused on digital culture and skills development for young people.
- EndoblumminorLaunch partnership for Endoblum, the first informational website dedicated to endometriosis, developed to provide reliable health information to young women and support prevention efforts.
- Région SudcoreRegional government partnership providing €100 subsidy for bursary student recipients in the Sud region who subscribe to HEYME complementary health insurance. Part of broader access-to-health initiative for student bursary holders.
- Région OccitaniecorePartnership with Occitanie region to support access to complementary health insurance for bursary students. Region provides €100/year subsidy for eligible students under the Pass Mutuelle Étudiant scheme.
- Delta FestivalminorHEYME became principal partner of the Delta Festival, supporting the cultural sector and engaging with student audiences through France's largest student cultural festival.
- What a Trip FestivalminorSponsorship and partnership with the What a Trip Festival, a travel and student event. Partnership extended from 2019 through 2020, engaging young audience through cultural event.
Scale indicators2 records
Recent moves9 records
Expansion highlights5 records
HEYME competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
HEYME social profiles
Digital presenceHEYME financial estimates
Financial estimateRevenue estimate
Valuation estimate
HEYME leadership team
Management profileNumber of profiles
Profiles1 record
HEYME funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HEYME 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 HEYME
What does HEYME do?
HEYME provides digital-first supplementary health insurance (mutuelle santé) and ancillary insurance products — including home, auto, civil liability, international health coverage, and freelance income protection — targeted at students, young professionals, freelancers, families, and seniors in France. All products are fully subscribed and managed online via the heyme.care website and native iOS/Android mobile applications, with integrated teleconsultation and a dematerialized third-party payment card.
Is HEYME a public or private company?
HEYME is a private company. It is classified as corporate owned and is currently operating.
When was HEYME founded?
HEYME was founded in 2019. It employs 11 to 50 people.
Where is HEYME based?
HEYME is headquartered in Paris, France, in the Europe region.
How does HEYME make money?
Five revenue lines are on record. Supplementary Health Insurance (Complémentaire Santé) is the primary driver. The others are property & Casualty Insurance, prévoyance Insurance, pack Bien-être (Well-being Pack) and international Health Insurance (World Pass).
Does HEYME have an API?
No public API is recorded for HEYME.
What industry is HEYME in?
HEYME's product category is Supplementary Health Insurance (Mutuelle). Its primary akta.pro industry code is HLAEALAK, Flexible Benefits Administration (FSA/HSA/HRA), with a secondary code of FSAIABAK, Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness). Its NAICS code is 524114 and its SIC code is 6411.