MMJ

What MMJ does

MMJ (Mutuelle des Métiers de la Justice et de la Sécurité) is a French mutual insurance company operating under the Code de la Mutualité, founded in 1946 and headquartered in Paris with a secondary site in Clermont-Ferrand. The mutual serves approximately 120,000 protected persons employed across the French public sector justice and security professions, including Ministry of Justice staff, legal professionals, territorial administrative agents, private security personnel, and municipal police officers. The organization is member-owned and governed by a board, currently presided over by Jean-Yves Anfray following his re-election in May 2026.

The company operates three core product lines: health insurance (Santé), provident/benefit insurance (Prévoyance), and a supplementary offering (Optima). Underlying technology comprises a digital member self-service platform, a mobile application, an online quote engine at devis.mmj.fr, and integration with third-party partners including Almerys (third-party payment processing), CNP Assurances (provident capacity), Carte Blanche Partenaires (healthcare provider network), and GoodMed (telemedicine). The mutual has been part of the Aéma Groupe (formerly AG2R LA MONDIALE) partnership since 2013, holds ISO 9001:2015 certification obtained in 2019, and carries an ESG rating of 69/100 from EthiFinance.

Revenue is generated through insurance premiums on individual and family contracts, priced between approximately €13 and €108 per month depending on coverage tier and demographic, supplemented by collective contracts negotiated with employers in the target verticals. Distribution combines direct digital channels (online quote, member portal, mobile app, phone sales) with a "militant" volunteer member network embedded across the served professions. The most recent platform modernization was the December 2024 deployment of a new militant portal authentication system.

Name

MMJ

Legal name

Mutuelle du Ministère de la Justice

Website

https://mmj.fr

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

51–100 employees

Short description

MMJ is a French mutual insurance company serving approximately 120,000 protected persons across justice, legal, administrative, private security, and municipal police professions, offering health, provident, and supplementary insurance through digital channels and a member volunteer network.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120)

SIC

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

akta.pro industry

PRIMARYFSAIAEAD

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

Keywords

• Complementary health insurance
• Provident insurance coverage
• Mutual insurance mutuelle
• Public sector benefits
• Collective health contracts

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Recurring subscription premiums from complementary health insurance policies covering medical expenses, hospitalization, dental, optical, and audiology
2. Provident Insurance Premiums: Recurring premiums for provident coverage including disability, invalidity, death, and loss of autonomy protection
3. Supplementary Health Coverage (Surcomplémentaire): Additional coverage products (Optima range) that supplement base health insurance policies

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

MMJ is a French mutual insurance company (mutuelle) selling complementary health insurance and provident insurance products to public sector workers and related professionals, especially in justice and security. Its portfolio includes segmented health plans by profession (Justice, Avocat, Territoriale, Sécurité Privée, Entreprise) and life stage (TNS, Famille, Jeunes, Retraités), plus provident coverage for disability, death, and loss of autonomy. Supporting services include telemedicine, a care network, mobile app, home assistance, and psychological support.

Product overview

MMJ (Mutuelle des Métiers de la Justice et de la Sécurité) is a mutual health insurance provider serving over 120,000 members across the French public sector. The company offers a comprehensive portfolio organized around target segments: Ministry of Justice employees and retirees (Mutuelle Ministère Justice), legal professionals (Mutuelle Avocat), territorial public service employees (Agents Territoriaux), private security sector (Sécurité Privée), self-employed professionals (TNS), enterprises (TPE PME), families (Sécurité Particulier), young adults (Les Essentielles with Néo Santé and Hospit'Santé), and retirees (Liberté Sénior). Core health insurance products are complemented by provident insurance (prévoyance) covering incapacity, disability, and death, plus a supplementary insurance line (Optima Sup/Max/Hospit) for enhanced coverage. Digital services include a mobile app, 24/7 telemedicine, and a care provider network (Carte Blanche). Support services encompass home assistance, psychological support, and caregiver assistance. Financial services include life-event loans, home insurance (Munité), and social aid programs. All offerings are delivered through a web-based member portal (espace adhérent) without a documented public API.

Differentiator

Problem solved

Functional benefit

Brands

• Hospit' Santé: Hospital-focused health insurance formula for young people covering hospitalization costs
• Optima
• Optima Sup
• Optima Max
• Optima Hospit
• Sécurité
• Néo Santé
• Liberté TNS
• Liberté Sénior
• Munité

Products and services

• Mutuelle Santé - Agents Ministère Justice Complementary health insurance specifically designed for active and retired employees of the Ministry of Justice, including family plans for spouses and children.
• Mutuelle Prévoyance Provident insurance covering risks of incapacity, disability, and death to ensure financial protection for members and their families.
• Mutuelle Avocat / Professions Juridiques Health insurance for legal professionals including lawyers and commissaires de justice, with adapted coverage for their specific needs.
• Mutuelle Fonction Publique Territoriale / Agents Territoriaux Health insurance for territorial public service employees including municipal police officers.
• Mutuelle Sécurité Privée Collective health insurance for private security sector companies and employees under the CCN Prévention/Sécurité collective agreement.
• Mutuelle Entreprise / TPE PME Collective health insurance solutions for small and medium enterprises with adaptable coverage for employers and employees.
• Mutuelle Indépendant TNS / Liberté TNS Health insurance designed for self-employed professionals, artisans, and non-salaried workers.
• Mutuelle Famille / Sécurité Particulier Family health insurance with five tiered coverage levels (Sécurité 1 through Sécurité 5) offering modular protection from essential to maximum coverage.
• Mutuelle Jeunes / Les Essentielles Youth-focused health insurance with two formulas: Néo Santé for everyday care and Hospit'Santé for hospitalization-only coverage.
• Mutuelle Retraités / Liberté Sénior Health insurance specifically designed for retired public sector employees with coverage adapted to senior healthcare needs.
• Optima Sup Supplementary health insurance that boosts optical and dental reimbursements with annual limits for crowns, bridges, implants, and alternative medicine.
• Optima Max Maximum supplementary coverage for optics, dental, and alternative medicine with higher annual limits including orthodontic and thermal cure coverage.
• Optima Hospit Hospital-focused supplementary insurance covering physician fees up to €600, private room charges at €60/day, and related expenses.
• Capital Décès Death benefit coverage providing financial protection for beneficiaries upon death of the policyholder.
• Garantie Perte d'Autonomie / Dépendance Long-term care and dependency coverage providing monthly payments of up to €538.40 for policyholders experiencing loss of autonomy.
• Jour de Carence Waiting day coverage included in provident insurance that covers the first day of work stoppage, preserving income and bonuses.
• Téléconsultation Médicale 24/7 telemedicine consultation service with access to general practitioners, pediatricians, and psychologists via secure video connection.
• Réseau de Soins Carte Blanche Healthcare provider network offering negotiated rates on optical, dental, and audiology care, reducing member out-of-pocket expenses.
• Assistance à Domicile Home assistance services including childcare support, hospital transfer, and household help during illness or hospitalization.
• Soutien Psychologique Psychological support service providing 1-5 annual telephone interviews with clinical psychologists and up to 3 in-person sessions.
• Aide aux Aidants Support services for caregivers including personalized assessments, training, respite solutions, and guidance to preserve caregiver health.
• Prêts Moments de Vie Life-event loans offered through Banque Française Mutualiste with preferential rates for MMJ members.
• Munité - Assurance Logement Home insurance product designed for public sector employees, accessible through member portal.

Quantifiable outcome

• 87% overall satisfaction rate among members
• +4 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Aéma GroupecoreStrategic or Co-development PartnerMMJ is part of the Aéma Groupe, which includes AG2R LA MONDIALE. This strategic partnership, established since 2013, provides mutual support and shared services across the group.
• AlmeryscoreTechnology or IntegrationThird-party administrator for health benefits management and claims processing. Handles third-party payment (tiers payant) and reimbursement processing.
• CNP AssurancescoreTechnology or IntegrationInsurance partner for provident coverage (death, disability, invalidity) management and claims processing.
• SuadéocoreTechnology or IntegrationCompliance partner for anti-money laundering (LCB-FT) obligations and regulatory compliance.
• Carte Blanche PartenairescoreStrategic or Co-development PartnerHealthcare network partner providing access to 8,000+ healthcare professionals (opticians, dentists, audiologists) with negotiated rates and enhanced coverage for members.
• MFPrécaution (Mutualité Française)minorStrategic or Co-development PartnerMortgage guarantee service provider offering members access to real estate loan guarantees and insurance products.
• Banque Française MutualisteminorGTM or Marketing PartnerBanking partner offering 'Moments de Vie' loans at preferential rates for MMJ members.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• MAIF: Major French mutualist offering health, home, auto, and savings products. Comparable mutualist structure and complementary health offering, but with broader market positioning beyond public-sector affinity.
• MACIF: One of France's largest mutual insurers offering complementary health, provident, home, and auto cover to a broad population. Overlaps with MMJ on mutualist model and complementary health but operates at much larger scale and broader segment scope.
• AG2R LA MONDIALE: Large French mutual insurance group offering complementary health, provident, retirement, and savings. Directly comparable as MMJ's group-affiliation partner and a competitor for the same public-sector and enterprise collective health contracts.
• AXA France: Leading French insurer offering complementary health, provident, and collective enterprise cover. Overlaps with MMJ on health and provident product categories, but operates as a capitalised incumbent rather than a mutualist.

Direct peers

• MGEN (Mutuelle Générale de l'Éducation Nationale): Major French mutualist health insurer historically focused on education-sector public employees; now open to broader populations including civil servants. Closely parallels MMJ's mutualist model, public-sector affinity strategy, and complementary health + provident product suite.
• Harmonie Mutuelle: Large French mutual health insurer serving individuals, families, and public-sector employees across France. Directly comparable on mutualist structure, complementary health products, multi-segment distribution (digital + agencies), and provident offerings.
• Klesia: French mutual insurance group specialising in complementary health and provident protection for employees and retirees, with strong presence in enterprise collective contracts — directly comparable to MMJ's TPE/PME and provident offerings.
• Mutuelle Générale de la Police (MGP): Mutual insurer dedicated to French police personnel, directly serving the same security-segment affinity market as MMJ. Highly comparable on vertical public-sector specialisation, mutualist governance, and complementary health + provident cover.

Others

• CNP Assurances: Major French insurance group that is MMJ's provident product partner (death, disability, invalidity) and also operates directly in individual and group health. Highly relevant for provident comparability and as a partner/customer overlap.

Emerging players

• Alan: Digital-first French health insurer targeting SMEs and individuals. Comparable on complementary health cover and French market overlap, with a fundamentally different digital-native distribution model that competes for the same TPE/PME and young-adult segments.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/mutuellemmj
• Facebookfacebook.com/MutuelleMMJ
• LinkedInlinkedin.com/company/mutuelle-mmj

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 MMJ