Radiance Mutuelle

What Radiance Mutuelle does

Radiance Mutuelle is a non-profit mutual insurance company (mutuelle) governed by Book II of the French Code de la Mutualité and supervised by ACPR. Founded in 1945 and headquartered in Lyon, the company operates as the regional mutual brand of Groupe Malakoff Humanis, the leader of social protection in France, and serves individual, family, self-employed, and corporate customers across the Auvergne-Rhône-Alpes and Bourgogne regions. Its product platform spans health insurance (Pack Santé Jeune Actif, Pack Santé Famille, Mutuelle Santé Pro, Mutuelle Santé Collective), property & casualty (Auto, Habitation, Protection Juridique, Sports Loisirs), providence (Décès, Accidents, Obsèques), and savings/retirement (Assurance Vie via APICIL, Retraite Pro, Epargne & Retraite Collective). Underwriting of P&C, life, and providence lines is carried by external partners (Thélem, APICIL Epargne, AUXIA), making Radiance's operating model asset-light on the insurance balance sheet.

The company distributes through a hybrid channel model combining 23 physical local agencies with digital self-service (24/7 online subscription portal, Espace Client portal, mobile app co-developed with Malakoff Humanis, and inside-sales phone advisory). Recurring subscription premiums across individual and collective health contracts form the core revenue base, supplemented by distribution commissions on partner-underwritten lines. Beyond traditional products, Radiance operates a portfolio of solidarity programs — Radiance Impact endowment fund, Action Sociale, Dispositif Accompagnement Cancer, and Soutien aux Aidants — alongside digital services (Espace Client, Radiance TV video platform with 69+ videos). Customer engagement is reinforced through regional sport sponsorships (Chambéry Savoie Mont Blanc Handball, Rugby Tango Chalon, Lyon Urban Trail title partnership launched in 2026), business association partnerships (CPME 21/71, Réseau Entreprendre), and brand ambassadors (trail runner Yoann Stuck). The company employs 51-100 staff and is led by Directeur Général Emmanuel Durand, with Ludovic Scapin as Directeur Général Adjoint.

Name

Radiance Mutuelle

Legal name

Radiance Mutuelle

Website

https://radiance.fr

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

51–100 employees

Short description

Radiance Mutuelle is a French regional mutual insurance company, the Auvergne-Rhône-Alpes/Bourgogne arm of Groupe Malakoff Humanis, providing health, P&C, providence, and savings products to individuals, self-employed, and businesses through 23 agencies and digital channels.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Services-Health Services (8000)

akta.pro primary industry

Combined Dental & Vision Insurance (FSAIAHAC)

Keywords

• Mutual health insurance
• Provident insurance products
• Complementary health coverage
• Savings and retirement plans
• Property casualty insurance

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices21 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly premiums collected from individual and family health insurance policies (mutuelle santé). Revenue is recurring based on subscription contracts with various coverage levels.
2. Collective/Company Health Insurance: Group health insurance premiums from企业 (entreprise) customers requiring mandatory employer-sponsored coverage
3. Providence/Prévoyance Insurance: Death benefit, accident insurance, andburial insurance (obsèques) products generating recurring premiums
4. Property & Casualty Insurance: Auto, home insurance, and legal protection products distributed through partnerships with Thélem assurances
5. Savings/Life Insurance: Life insurance (assurance vie) products with euro and unit-linked funds, underwritten by APICIL Epargne

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Radiance Mutuelle is a regional mutual insurance company that underwrites and distributes complementary health insurance (mutuelle santé), provident/death-benefit insurance (prévoyance), property and casualty insurance (auto, home, legal protection), and life insurance/savings products for individuals, self-employed professionals, and businesses across the Auvergne-Rhône-Alpes and Bourgogne regions of France. Products are distributed through a network of 23 local agencies, digital self-service portals, and partnerships with Thélem Assurances and APICIL Epargne, underwritten under the umbrella of Groupe Malakoff Humanis.

Product overview

Radiance Mutuelle is a regional mutual insurance company (mutuelle) operating as part of the Malakoff Humanis Group, France's leading social protection group. The company offers a comprehensive portfolio of health insurance products (Mutuelle Santé Individuelle, Pack Santé Famille, Pack Santé Jeune Actif, Mutuelle Santé Collective, Mutuelle Santé Pro), property and casualty insurance (Assurance Auto, Assurance Habitation, Protection Juridique, Assurance Sports Loisirs), provident and death insurance (Prévoyance, Assurance Blessures, Assurance Obsèques), and savings/retirement products (Assurance Vie, Epargne & Retraite Collective, Retraite Pro). The offering is structured as a multi-product platform with both individual and professional/corporate segments. Additionally, Radiance operates solidarity programs including the Radiance Impact endowment fund, Action Sociale, Dispositif Accompagnement Cancer, and Soutien aux Aidants. The company also provides digital services including an Espace Client online portal, mobile application, and Radiance TV video platform. All products are distributed through 23 regional agencies, online channels, and telephone advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Pack Santé Jeune Actif

Quantifiable outcome

• 10 testimonials from customer satisfaction survey with 4,250 responses

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

18 partnerships are on record, tiered flagship, core and minor.

• Lyon Urban TrailflagshipGTM or Marketing Partner · 1 January 2025Title partnership of the Lyon Urban Trail (LUT) urban trail running event. First edition as title partner took place March 29, 2026 with 12,000 participants. Promotes sport-health positioning and regional community engagement.
• Yoann StuckflagshipGTM or Marketing Partner · 1 January 2024Professional trail runner ambassador promoting sport-health values. Creates video content on prevention and sport practices, participates in regional events and collective training. Also promotes Sports and Leisure Insurance product.
• Groupe Malakoff HumaniscoreStrategic or Co-development PartnerParent company relationship. Radiance is the regional mutual brand of Malakoff Humanis, the leader of social protection in France. Benefits from group scale, infrastructure, and brand recognition while maintaining regional autonomy.
• Chambéry Savoie Mont Blanc HandballcoreGTM or Marketing PartnerProfessional handball club in Lidl StarLigue, National Cups, and European Cup qualification. Regional sports sponsorship supporting local community engagement.
• CPME 21 (Confédération des Petites et Moyennes Entreprises)coreGTM or Marketing PartnerBusiness association partnership defending economic interests of TPE and PME in Côte-d'Or region.
• CPME 71 (Confédération des Petites et Moyennes Entreprises)coreGTM or Marketing PartnerBusiness association partnership defending economic interests of TPE and PME in Saône-et-Loire region.
• Réseau Entreprendre SavoiecoreGTM or Marketing PartnerEntrepreneur support network fostering job creation through business creation, takeover and development support in Savoie.
• Réseau Entreprendre IsèrecoreGTM or Marketing PartnerEntrepreneur support network fostering job creation through business creation, takeover and development support in Isère.
• Espace Malraux - ChambéryminorGTM or Marketing PartnerCultural venue sponsorship through the 'Cercle M' patron circle supporting national stage cultural programming.
• Outdoor Sports Valley (OSV)minorGTM or Marketing PartnerNetwork supporting outdoor industry economic development, sports practice promotion, and natural space preservation.
• Rugby Tango ChalonminorGTM or Marketing PartnerAmateur rugby club in Chalon-sur-Saône competing in Fédérale 3.
• Pharaonic FestivalminorGTM or Marketing PartnerElectronic music festival originally created in Chambéry in 2015, now held in Cluses.
• SoluCircoreGTM or Marketing PartnerNetwork of actors committed to developing circular economy as a predominant model for regional economy. 10-year partnership milestone in 2025.
• Assurance ValléeminorGTM or Marketing PartnerInsurance cluster and first unique cluster in France, mobilizing multiple actors in Auvergne-Rhône-Alpes region for sector attractiveness.
• Thélem AssurancescoreChannel Partner/ Reseller/ DistributorInsurance partner underwriting Auto, Home, and Legal Protection products distributed by Radiance. Company: Thélem assurances, mutuelle with variable contributions, SIREN 085 580 488, based in Chécy.
• APICIL EpargnecoreChannel Partner/ Reseller/ DistributorLife insurance underwriter for Radiance Assurance Vie euro and unit-linked products. Company: APICIL Epargne, SA with supervisory board, capital €14,684,625, based in Lyon.
• AUXIAcoreChannel Partner/ Reseller/ DistributorInsurance partner for provident and injury products. AUXIA, SA capital €76,768,655, based 21 rue Laffitte, Paris 9th arrondissement.
• Radiance Impact LaureatescoreOthers16 non-profit organizations receiving funding from Radiance Impact foundation for health access and prevention projects including: Ma Chance Moi Aussi, Espoir 73, CPTS Chambéry Agglo, CDOS Savoie, EPGV 21, Réseau Intermed, Vivo, Helebor, ASSPREDE, CPTS Bas-Chablais, Facilit'Age, UFSBD ARA, CPTS Sud-Est Grenoblois, ADATE, Mission Locale Faucigny Mont Blanc, UDAF Loire.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MACIF: French mutual insurer covering P&C, health, prévoyance, and savings for individuals and businesses. Directly comparable mutual structure and comprehensive protection offering, including regional agency network and digital channels.
• Groupama: Major French mutual insurance group with regional caisses distributing health, P&C, and life products. Comparable mutualist governance, multi-line insurance offering, and regional proximity model that competes for the same members.
• Harmonie Mutuelle: Major French health mutuelle offering individual and collective complementary health insurance across regions. Directly comparable in mutual model, multi-product platform (health, prévoyance, savings), and reliance on ACPR/Code de la Mutualité framework.
• MGEN (Mutuelle Générale de l'Éducation Nationale): Large French mutual health insurer providing complémentaire santé, prévoyance, and retirement products. Comparable as a Book II mutuelle with regional agencies, multi-segment offer, and similar reliance on solidarity-based positioning.
• Matmut: French mutual insurance group offering auto, home, health, and prévoyance products with a strong regional agency footprint. Closely comparable mutual model, multi-product platform, and proximity-driven distribution.
• AG2R La Mondiale: French mutual insurer specializing in retirement, prévoyance, and health coverage for individuals and enterprises. Comparable in complémentaire santé, prévoyance, and collective health offerings targeting SMEs and large accounts.

Broad incumbents

• AXA France: French arm of a global insurer offering health, P&C, life, and savings with national agent networks. Overlaps in health and prévoyance segments as a broad incumbent competitor rather than a regional mutual specialist.
• SwissLife France: French life and health insurance subsidiary offering complémentaire santé, prévoyance, and savings through agents and brokers. Overlaps with Radiance's prévoyance, savings, and health lines as a national incumbent.

Emerging players

• Alan: French digital-first health insurance company targeting SMEs and individuals with a tech-led UX. Comparable complementary health offering but competing via a different (digital-only) distribution model that pressures traditional mutuelles.

Others

• Malakoff Humanis (Groupe Malakoff Humanis): Parent group and French social-protection leader under which Radiance operates. Not a competitor but the primary corporate parent providing infrastructure, branding, and shared services that shape Radiance's positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTuberadiance.fr/radiance-tv
• Facebookfacebook.com/radiancemutuelle
• LinkedInlinkedin.com/company/radiance-mutuelle-groupe-malakoff-humanis
• Instagraminstagram.com/radiance_mutuelle

Compliance2 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 Radiance Mutuelle