Apivia Macif Mutuelle

What Apivia Macif Mutuelle does

Apivia Macif Mutuelle is the complementary health and provident insurance brand operated by Macif Santé Prévoyance (SIREN 779 558 501), a French mutual insurance entity within the Macif group, headquartered in Niort. Formerly SMAM Mutuelle before its rebranding into the Apivia brand, the company offers complementary health insurance (Santé), provident coverage (Prévoyance), savings products (Épargne), and property and casualty cover (Auto, Habitation) to individuals, families, seniors, self-employed professionals, micro-entrepreneurs, liberal professions, and enterprises.

Its distribution model combines a channel-led go-to-market with self-service digital surfaces: 4,250 independent brokers across metropolitan France, the French Antilles, and Réunion Island serve as the primary advisors, while three dedicated portals — adherents.apivia.fr (members), employeurs.apivia.fr (employers), apivia-courtage.fr (brokers) — handle transactions and policy management. The technology layer includes native iOS and Android applications, a dematerialized third-party-payer card, real-time reimbursement notifications, and integration with the French government's France Identité application to activate the Digital Carte Vitale (rolled out March 2025).

Revenue is generated through recurring subscription premiums across Santé, Prévoyance, Auto, Habitation, and Épargne lines, with modular add-on packs (Hospitalisation, Optique Dentaire Audio, Bien-être et Prévention) allowing tiered pricing by coverage level, age, family composition, and geography. Embedded service modules — 24/7 teleconsultation via MédecinDirect (Teladoc Health France), assistance via IMA Assurances, the Carte Blanche Partenaires care network for optical/dental/hearing, and the Macif Solidarité Coups Durs program via DOMPLUS — are bundled into contracts to differentiate from pure-play competitors. Apivia does not disclose revenue figures and operates without external venture or private equity sponsorship as a member-owned mutuelle.

Name

Apivia Macif Mutuelle

Legal name

Macif Santé Prévoyance

Website

https://apivia.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

251–500 employees

Short description

Apivia Macif Mutuelle, operated by Macif Santé Prévoyance, is a French mutual insurer offering complementary health, provident, savings, auto, and home cover to individuals, families, self-employed professionals, enterprises, and seniors across metropolitan France, the French Antilles, and Réunion through 4,250 brokers and dedicated member portals.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

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

Keywords

• Complementary health insurance
• Provident insurance
• Home and auto insurance
• Mutual insurance services
• Employee health coverage

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Apivia generates revenue primarily through recurring health insurance premiums paid by individual members, enterprises, and self-employed professionals. Premiums are collected through monthly or annual billing cycles based on contracted coverage levels.
2. Providence and Personal Risk Insurance: Revenue from supplemental providence (death/disability) insurance, funeral expense coverage, and loan guarantee insurance products for individuals and businesses.
3. Home and Auto Insurance: Property and casualty insurance products including home (habitation) and auto coverage distributed under the Apivia brand through the Macif group infrastructure.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Apivia Macif Mutuelle is a French mutual insurance provider (operated by Macif Santé Prévoyance) that sells complementary health insurance (Santé), provident insurance (Prévoyance) covering death, disability and funeral expenses, savings (Épargne), and property & casualty insurance (Auto and Habitation). It distributes these products to individuals, families, seniors, self-employed professionals, and enterprises through a network of 4,250 independent brokers and dedicated online portals.

Product overview

Apivia Macif Mutuelle is a French health insurance mutual society operated by Macif Santé Prévoyance, offering a comprehensive portfolio of insurance and assistance products. The core offerings include complementary health insurance (Santé), provident insurance (Prévoyance), savings (Épargne), auto insurance, and home insurance (Habitation). The health insurance portfolio features specialized sub-brands for seniors, liberal professionals, micro-entrepreneurs, and enterprises, with modular add-on packs for hospitalization, optical/dental/audio coverage, and wellness. Key service modules include 24/7 teleconsultation (via MédecinDirect), assistance services (via IMA Assurances), a healthcare provider network (Carte Blanche), and solidarity support programs. Members access services through online member spaces, mobile applications, and physical/digital third-party payment cards.

Differentiator

Problem solved

Functional benefit

Brands

• Apivia Courtage: Insurance brokerage subsidiary of Apivia offering brokerage services.

Products and services

• Santé (Complementary Health Insurance)

Quantifiable outcome

• Reimbursement up to 250% of Social Security convention rate for specialists practicing excess charges
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• IMA (Inter Mutuelles Assistance)coreTechnology or IntegrationIMA Assurances provides assistance services for Apivia members including 24/7 teleconsultation, home assistance, psychological support, and teleassistance services. Assistance is available at 0970 820 692 or +33 5 49 34 82 80 from abroad. IMA is a mutual assistance group serving French insurance mutuals.
• Carte Blanche PartenairescoreStrategic or Co-development PartnerCarte Blanche Partenaires is a healthcare network established in 2001 specializing in visual, dental, and hearing care. The network facilitates access to care and reduces member out-of-pocket costs through negotiated rates with providers including opticians, dentists, hearing centers, and dietitians.
• MédecinDirect (Teladoc Health France)coreTechnology or IntegrationMédecinDirect provides teleconsultation services for Apivia members, enabling 24/7 access to general practitioners and specialists via phone, video, or written consultation. The service is included in health contracts with full third-party payment, excluding therapy and coaching options.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Henner: Independent French health and providence insurer specializing in group and individual coverage, including for liberal professions and expatriates. Comparable to Apivia on complementary health focus, providence offerings, and segment specialization.
• Harmonie Mutuelle: One of France's largest health-focused mutual insurers, offering complementary health, providence, and savings products to individuals and enterprises. Closely comparable to Apivia in mutualist structure, multi-line health-first portfolio, and broker/direct distribution mix.
• Malakoff Humanis: Major French mutual group focused on health and providence insurance, particularly for enterprises and individuals. Directly comparable to Apivia on enterprise health contracts, providence, and group-level mutualist positioning.
• Aésio Mutuelle: French mutualist health insurer offering complementary health, providence, and savings products through a similar multi-channel distribution model. Comparable to Apivia on mutualist DNA, individual health focus, and broker-led GTM.

Emerging players

• Alan: French digital-native health insurer focused on individuals, freelancers, and SMEs with a streamlined app-led experience. Comparable to Apivia in individual/SME health focus and modular product design, but differentiated by tech-first GTM.

Broad incumbents

• AXA France: France arm of global insurer offering health, auto, home, and life products through agents and direct channels. Comparable on product breadth and scale, though as a listed incumbent with broader international backing rather than mutualist structure.
• SwissLife France: French insurer offering health, life, savings, and pension products with strong broker distribution. Comparable to Apivia in health-and-providence product mix and broker-led distribution.
• Covéa (MAAF, MMA, GMF): French mutualist insurance group with multi-brand P&C and health offerings through MAAF, MMA, and GMF. Comparable to Apivia on mutualist structure, multi-line portfolio, and broker/agency distribution.
• Generali France: French arm of global insurer offering health, auto, home, and life products through agents, brokers, and direct channels. Comparable on multi-line portfolio and broker distribution, though as a listed incumbent.
• Crédit Mutuel (including Mutuelles du Mans, ACM): Large French banking-insurance group whose insurance arm offers health, auto, home, and savings products. Comparable to Apivia in product breadth and multi-channel distribution, though operates as a broader financial services incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/apivia_
• Facebookfacebook.com/Apivia
• LinkedInlinkedin.com/company/apivia-macif-mutuelle

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 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 Apivia Macif Mutuelle