Union Nationale Mutualiste Interprofess

What Union Nationale Mutualiste Interprofess does

Union Nationale Mutualiste Interprofessionnelle (UNMI), founded in 1929 and headquartered in Paris, is a non-profit mutual insurance technical union governed by Book II of the French Mutual Code. The Groupe UNMI comprises three entities: UNMI (the technical union itself), UNMI'Mut (the operating mutuelle regulated by ACPR, offering individual and collective provident, health, and life-death insurance), and ACTI (an association supporting self-employed workers with provident and health advisory). The group also distributes health coverage via the EPC brand (merged into UNMI'Mut in December 2023) and supports approximately 60-70 affiliated mutuelles and insurance brokers (courtiers) across metropolitan France and overseas territories.

UNMI's revenue model is primarily subscription-recurring premiums across Prévoyance (€46M in 2023), Santé (€18.5M), and Épargne Vie-Retraite (€0.7M), supplemented by managed-services reinsurance fees (€22.6M, or ~26% of revenue). The technology stack includes the OAV sales-assistance tool, the Extranet partner portal (launched March 2025), the My Silae Santé embedded insurance solution (co-developed with Silae, launched September 2025), and an ALFA-powered anomaly detection API for fraud detection. Customer segments span affiliated mutuelles (primary), individual consumers, employers, self-employed workers (TNS - a 4.2M-strong French market with only 48% provident coverage), and insurance brokers. Go-to-market operates through B2B2C distribution via mutuelles, direct-to-consumer via EPC, broker channels, and embedded payroll-software distribution via Silae.

Name

Union Nationale Mutualiste Interprofess

Legal name

UNMI - Union Nationale Mutualiste Interprofessionnelle

Website

https://unmi.eu

Company type

Private

Founded year

1929

Operating status

Operating

Headcount range

11–50 employees

Short description

UNMI is a non-profit French mutual insurance technical union (founded 1929) serving ~60-70 affiliated mutuelles and brokers with provident insurance, health coverage, reinsurance, training, legal monitoring, and digital tools across France.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Prévoyance (Provident Insurance): Death, education annuity, spouse annuity, daily allowances, disability, general expenses coverage through modular and performing contracts. Revenue of 46M€ in 2023 (+10%).
2. Santé (Health Insurance): Individual and collective health insurance operations. Revenue of 18.5M€ in 2023 (+250% growth). Includes EPC brand serving individuals.
3. Réassurance (Reinsurance): Reinsurance solutions for partner mutuelles to limit risk exposure and guarantee solvency. Revenue of 22.6M€ in 2023 (39% of total revenue). Includes quota-share and non-proportional reinsurance.
4. Épargne Vie-Retraite (Life Insurance and Retirement): Life and retirement savings products. Revenue of 0.7M€ in 2023 (-13%).

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

UNMI is a mutualist technical union that designs, underwrites, and distributes provident and health insurance contracts, and provides reinsurance, training, legal monitoring, and digital tooling to a network of affiliated mutuelles and insurance brokers. Through UNMI'Mut and the EPC brand it also sells individual and collective health and provident cover directly, and via ACTI it advises self-employed workers on social protection.

Product overview

UNMI operates as a group of mutual insurance entities comprising UNMI (the technical union), UNMI'Mut (the specialist provident and health mutual insurance company), and ACTI (support for independent workers). The portfolio includes commercial health insurance via the EPC brand (merged into UNMI'Mut in 2023), digital platforms (OAV sales tool, Extranet portal, OAV broker portal), reinsurance services, training, legal monitoring, and advisory services. The My Silae Santé product — developed with Silae — extends the group's reach into integrated payroll-and-insurance management for TPE-PME. All offerings are oriented toward member mutuals, brokers, and individual policyholders seeking provident and health protection.

Differentiator

Problem solved

Functional benefit

Brands

• EPC: Commercial brand of UNMI'Mut offering labeled health complementary insurance following 2023 merger

Products and services

• Provident Insurance (Prévoyance)

Quantifiable outcome

• 15.2% revenue growth in 2023 compared to 2022
• +3 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered minor and core.

• OpinionWayminorOthers · 17 November 2025OpinionWay conducted study with UNMI on 'Self-employed workers and provident insurance', revealing that 48% of TNS are covered but 76% claim to understand it, with only 29% having complementary contracts. Results published in white paper.
• Swiss ReminorStrategic or Co-development Partner · 9 October 2025Swiss Re co-animated a workshop at Reavie 2025 on 'Self-employed workers: what provident insurance issues and solutions?' alongside UNMI'Mut and OpinionWay, contributing actuarial expertise.
• SilaecoreStrategic or Co-development Partner · 17 September 2025Silae, French specialist in payroll and HR management software, partnered with UNMI to launch My Silae Santé, an integrated solution for managing complementary health and provident insurance contracts for TPE-PME businesses. UNMI contributes its mutualist expertise in provident insurance design and accessible, solidarity-based social protection.
• CCMO MutuellecoreStrategic or Co-development Partner · 17 September 2025French mutual insurance partner in the mySilae Santé project alongside UNMI and UNÉO, contributing mutualist values of redistribution and transparency to the integrated payroll-health solution.
• UNÉOcoreStrategic or Co-development Partner · 17 September 2025French mutual insurance partner in the mySilae Santé project alongside CCMO Mutuelle and UNMI, sharing mutualist values in the digital solution for TPE-PME health and provident insurance.
• FILASSISTANCEminorOthers · 1 January 2025FILASSISTANCE provides assistance services for UNMI's Protection Hospitalière contracts, handling hospitalization assistance guarantees including support, home services, and psychological support.
• Mon Bobo et MoiminorGTM or Marketing Partner · 1 December 2024Association supporting sick children by developing unique educational tools. Partnership for solidarity Christmas action where UNMI collaborators created crackers distributed to hospitalized children at CHU de Bordeaux.
• ALFA (Agence de Lutte contre la Fraude à l'Assurance)minorOthers · 18 November 2024ALFA organized fraud awareness training for UNMI teams, including the innovative 'Hunter Game' format, to strengthen the fight against insurance fraud which costs approximately 4 billion euros annually in France.
• StimulusminorStrategic or Co-development Partner · 13 June 2024Partnership with Stimulus addresses mental health challenges post-Covid, supporting mutual insurance members' psychological well-being and providing resources for work stoppage prevention.
• Urgence SDFminorGTM or Marketing Partner · 1 January 2024Association fighting precariousness of homeless people. UNMI supports with survival kits and hygiene product collections from collaborators as part of RSE 'Don de soi' program.
• FC Girondins de BordeauxcoreGTM or Marketing Partner · 12 April 2023RSE partnership with FC Girondins de Bordeaux through the 'Coeurs Girondins' program, focusing on four themes: youth, health, inclusion and parity, solidarity and citizenship. Includes Trophée Santé Coeur Girondins, Girond'In March parity trophy, solidarity runs, hospital visits, and environmental actions.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Regional players

• Swiss Re: Global reinsurer that co-animated workshops with UNMI on TNS provident insurance at REAVIE 2025. Comparable as a reinsurance provider active in the French market and a potential counterparty for UNMI's quota-share treaties, though at vastly greater scale and global scope.

Broad incumbents

• Vyv (Groupe VYV): France's largest mutualist insurance group, formed from the merger of Harmonie Mutuelle, MGEL, and others. Comparable as a mutualist insurance provider offering health, provident, and retirement products, though at significantly greater scale and broader scope than UNMI.
• Mutuelle Générale de l'Education Nationale (MGEN): Major French mutualist health insurer serving public-sector employees, part of the broader Vyv ecosystem. Comparable as a French mutual operating under the Mutual Code in health insurance, though at significantly larger scale and with a different member base.
• Malakoff-Médéric: Major French mutualist insurance group from which UNMI gained independence in 2015. Comparable as a French B2B mutualist provider of health and provident insurance, and represents both UNMI's former parent and a benchmark competitor in the same niche.

Direct peers

• UNÉO: French mutualist insurer focused on the defense and security professions and named co-partner with UNMI in the My Silae Santé project. Comparable as a Book II mutual offering health and provident insurance in France.
• Klesia: French mutualist group serving complementary retirement, health, and provident insurance. Highly comparable to UNMI as a similar B2B mutualist structure providing provident, health, and reinsurance-style services to affiliated mutuelles and corporate clients in France.
• Prévifrance: French mutualist health and provident insurer with historic partnership relationship with UNMI. Directly comparable as a regional French mutuelle whose CEO is also an UNMI administrator, sharing governance and reinsurance relationships.
• ACORIS Mutuelles: French mutualist group providing health and provident insurance with a UNMI-affiliated administrator. Comparable as a multi-mutuelle group in the same B2B mutualist ecosystem as UNMI's partner network.
• CCMO Mutuelle: French mutualist health insurance provider and named partner of UNMI in the My Silae Santé joint project. Directly comparable as a regional French mutuelle operating in health and provident insurance, sharing UNMI's mutualist governance model.
• MGPS Mutuelle: French mutualist insurer that successfully diversified into provident insurance in 2022 with UNMI's support. Directly comparable as an affiliated mutuelle partner benefiting from UNMI's training, products, and sales tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC1PbdikTRyh9ffoy8Rs1o7Q
• LinkedInfr.linkedin.com/company/unmi---union-nationale-mutualiste-interprofessionnelle

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Union Nationale Mutualiste Interprofess