Apivia Macif Mutuelle
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.
- Company typePrivate
- Founded2020
- HeadquartersParis, France
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
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.
Apivia Macif Mutuelle firmographics
Firmographics- 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
Apivia Macif Mutuelle industry classification
Industry- 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
Where Apivia Macif Mutuelle is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Apivia Macif Mutuelle business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Others
Revenue model
- 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.
- Providence and Personal Risk Insurance: Revenue from supplemental providence (death/disability) insurance, funeral expense coverage, and loan guarantee insurance products for individuals and businesses.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Apivia Vitalité plan covering pedicure-podologist consultations with reimbursement up to 250% of the Social Security convention rate for specialists practicing excess charges. |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Apivia Macif Mutuelle product offering
Product offeringCore 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
Companies that use Apivia Macif Mutuelle
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Apivia Macif Mutuelle technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature3 records
Apivia Macif Mutuelle partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- IMA (Inter Mutuelles Assistance)coreIMA 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 PartenairescoreCarte 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)coreMédecinDirect 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
Apivia Macif Mutuelle competitors and assessment
Company assessmentDirect 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
Apivia Macif Mutuelle social profiles
Digital presenceApivia Macif Mutuelle compliance and trust
Trust signalCompliance3 records
Apivia Macif Mutuelle financial estimates
Financial estimateRevenue estimate
Valuation estimate
Apivia Macif Mutuelle leadership team
Management profileNumber of profiles
Profiles2 records
Apivia Macif Mutuelle subsidiaries and ownership
Company hierarchySubsidiaries3 records
Apivia Macif Mutuelle funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Apivia Macif Mutuelle 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 Apivia Macif Mutuelle
What does Apivia Macif Mutuelle do?
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.
Is Apivia Macif Mutuelle a public or private company?
Apivia Macif Mutuelle is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Apivia Macif Mutuelle founded?
Apivia Macif Mutuelle was founded in 2020. It employs 251 to 500 people.
Where is Apivia Macif Mutuelle based?
Apivia Macif Mutuelle is headquartered in Paris, France, in the Europe region.
How does Apivia Macif Mutuelle make money?
Three revenue lines are on record. Health Insurance Premiums are the primary driver. The others are providence and Personal Risk Insurance and home and Auto Insurance.
Who are Apivia Macif Mutuelle's main competitors?
Direct peers on record are Henner, Harmonie Mutuelle, Malakoff Humanis and Aésio Mutuelle. Alan is listed as an emerging player. Broad incumbents are AXA France, SwissLife France, Covéa (MAAF, MMA, GMF), Generali France and Crédit Mutuel (including Mutuelles du Mans, ACM).
Does Apivia Macif Mutuelle have an API?
No public API is recorded for Apivia Macif Mutuelle.
What industry is Apivia Macif Mutuelle in?
Apivia Macif Mutuelle's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident). Its NAICS code is 52411 and its SIC code is 6399.