La Mutuelle Familiale
La Mutuelle Familiale is a French mutual health and provident insurer serving approximately 168,000 individuals, self-employed professionals, businesses, and local authorities across France via 32 agencies and digital channels, with €130.4 million in annual contributions.
- Company typePrivate
- Founded1940
- HeadquartersHauteville, France
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What La Mutuelle Familiale does
La Mutuelle Familiale is a French mutual health insurance company (mutuelle) regulated under Book II of the Code de la Mutualité and supervised by the ACPR. Founded circa 1937–1940, the company offers complementary health insurance (Complémentaire Santé), provident insurance covering death capital, funeral expenses, and loss of autonomy (Prévoyance), plus ancillary travel and civil liability coverage. It serves four primary customer segments: individuals, self-employed professionals, private-sector businesses subject to the ANI collective health obligation, and local authorities/associations via municipal labelling arrangements (Complémentaire santé communale). The company also addresses niche populations including cross-border workers (Frontaliers), mining regime employees (Régime Minier), students, and recipients of Complémentaire Santé Solidaire.
The business operates on a subscription revenue model with monthly billing across all segments, with pricing varying by age, profile, region, and guarantee level. Distribution combines a network of 32 physical proximity agencies across France, an online quote portal (devis-en-ligne.mutuelle-familiale.fr), telephone advisory, dedicated enterprise sales teams, and channel partnerships via collective bargaining agreements. Underlying technology includes a member extranet (Espace Adhérent), a dedicated enterprise extranet, a mobile application, NOEMIE-protocol teletransmission for automated reimbursement with Assurance Maladie, teleconsultation via Medaviz, and physical teleconsultation kiosks deployed in partner locations such as Arcachon and La Seyne-sur-Mer.
The company reports €130.4 million in annual contributions, protects approximately 168,000 people, employs 243 staff, and is ranked 28th among French mutuelles per L'Argus de l'Assurance 2024. Its competitive positioning is rooted in a solidarity-based mutualist model, universal accessibility regardless of health status, and civic advocacy including a 2025 Manifesto for a reinforced French Social Security system.
La Mutuelle Familiale firmographics
Firmographics- Name
- La Mutuelle Familiale
- Legal name
- La Mutuelle Familiale
- Website
- https://mutuelle-familiale.fr
- Company type
- Private
- Founded year
- 1940
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- La Mutuelle Familiale is a French mutual health and provident insurer serving approximately 168,000 individuals, self-employed professionals, businesses, and local authorities across France via 32 agencies and digital channels, with €130.4 million in annual contributions.
- Ownership category
- akta.pro rank
La Mutuelle Familiale industry classification
Industry- Product category
- Mutual Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
Keywords
Where La Mutuelle Familiale is headquartered
LocationHeadquarters
- HQ city
- Hauteville
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
La Mutuelle Familiale business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Cotisations Santé: Recurring monthly/annual subscription contributions (cotisations) paid by individuals, independent professionals, businesses, and public sector entities in exchange for health insurance coverage. Contributions are shared between employer and employee for collective contracts per ANI/ANI law requirements. Pricing varies by coverage level and profile.
- Cotisations Prévoyance: Recurring contributions for death capital, funeral expenses, and loss of autonomy insurance products, providing supplementary coverage for members.
- Assurance Voyage et Responsabilité Civile: One-time or recurring premiums for travel insurance and civil liability coverage products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Particuliers — Individual health insurance for singles, families, seniors |
| Subscription | Monthly | Indépendants — Health insurance for artisans, traders, liberal professions, business owners |
| Subscription | Monthly | Entreprises — Collective health insurance for businesses, subject to ANI employer obligations |
| Subscription | Monthly | Collectivité et association — Health insurance for local authorities, municipal agents, and associations |
| Subscription | Monthly | Prévoyance — Death capital, funeral expenses, loss of autonomy coverage |
| Subscription | Monthly | Complémentaire de Vie |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
La Mutuelle Familiale product offering
Product offeringCore offering
La Mutuelle Familiale is a French mutual insurance company offering complementary health insurance (mutuelle santé) and provident insurance (prévoyance) products, including death capital, funeral expense coverage, and loss-of-autonomy benefits. It also distributes travel insurance and civil liability insurance, serving individuals, self-employed workers, enterprises, and local authorities and associations.
Product overview
La Mutuelle Familiale is a comprehensive mutual insurance organization offering a multi-product portfolio centered on three core pillars: supplementary health insurance (Complémentaire Santé), provident insurance (Prévoyance), and travel/civil liability coverage. The Complémentaire de Vie® serves as the overarching life companion brand providing continuous coverage adaptation across life stages. Health offerings include specialized plans for individuals, self-employed professionals, companies, local communities, and specific populations (students, civil servants, cross-border workers, mining regime employees). Provident insurance covers death capital, funeral expenses, and loss of autonomy. Supporting services include teleconsultation via Medaviz, prevention programs, home assistance, third-party payment, and a secure member extranet portal. The company operates 32 local agencies serving approximately 168,000 protected individuals with €130.4 million in contributions.
Differentiator
Problem solved
Functional benefit
Products and services
- Mutuelle Santé (Complementary Health Insurance) Complementary health insurance covering medical, dental, optical, and hospitalization expenses not fully reimbursed by French Sécurité sociale. Targeted at individuals, families, self-employed workers, and employees through B2B contracts.
- Prévoyance - Capital Décès (Death Capital) Provident insurance product that pays a lump-sum death benefit to designated beneficiaries to help cover financial consequences of the policyholder's death. Available to individuals and employees via B2B contracts.
- Prévoyance - Frais d'Obsèques (Funeral Expenses Coverage) Provident insurance that covers or reimburses funeral expenses, paying out a lump-sum capital to beneficiaries or directly covering funeral service costs. Targeted at individuals and seniors.
- Prévoyance - Perte d'Autonomie (Loss of Autonomy) Provident insurance that provides a monthly annuity, support services, and home-care assistance to policyholders experiencing loss of autonomy. Targeted at individuals, particularly elderly and dependent persons.
- Travel Insurance (Assurance Voyage) Travel insurance covering medical expenses abroad, emergency repatriation, trip cancellation, and luggage loss during international travel. Available to individual members as a complementary offering.
- Civil Liability Insurance (Responsabilité Civile) Civil liability insurance covering bodily injury and property damage caused to third parties by the policyholder or family members in private life. Sold to individual members.
- B2B Health and Provident Contracts (Contrats Collectifs) Group complementary health insurance and provident contracts offered to enterprises, local authorities, and associations to cover employees as part of company benefit packages. Includes dental, optical, and prévoyance coverage tailored to collective agreements.
Quantifiable outcome
- 168,000 people protected by La Mutuelle Familiale's health coverage
- +2 more outcomes
Companies that use La Mutuelle Familiale
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
La Mutuelle Familiale technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability3 records
Feature6 records
La Mutuelle Familiale partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- La Mutualité FrançaisecoreLa Mutuelle Familiale is affiliated with La Mutualité Française (mutualite.fr), the umbrella organisation for French mutual insurers. This affiliation provides institutional backing, shared advocacy on social security policy, and access to the broader mutualist network and resources.
- MedavizcoreMedaviz provides the teleconsultation platform integrated into La Mutuelle Familiale's member services (accessible via my.medaviz.io/onboarding/organization/la-mutuelle-familiale), enabling members to conduct remote medical consultations.
- MapathominorLa Mutuelle Familiale partnered with Mapatho to improve access to healthcare for members suffering from chronic diseases, providing navigation support and care pathway guidance.
- MinddayminorPartnership with Mindday, an auto-therapy app helping users take care of their mental well-being, reflecting La Mutuelle Familiale's commitment to holistic health including mental health.
- CamarageminorCamarage is described as the first intergenerational cohabitation platform, with La Mutuelle Familiale involved as a supporting partner.
- CetteFamilleminorPartnership with CetteFamille, a platform offering adapted housing and care solutions for loved ones, supporting members in finding appropriate care arrangements.
Scale indicators6 records
Expansion highlights5 records
La Mutuelle Familiale competitors and assessment
Company assessmentDirect peers
- MGEN: Major French mutuelle serving public sector employees with health, prévoyance and dependency products; structurally and regulatorily analogous to La Mutuelle Familiale as a Book II mutual insurer.
- Henner: French mutuelle specializing in santé and prévoyance for enterprises, expatriates and high-net-worth individuals; comparable in offering group health and provident insurance products.
- Mutuelle Générale: French health mutuelle offering complémentaire santé and prévoyance to individuals, professionals and enterprises with a comparable target market and product breadth.
- Harmonie Mutuelle: Largest French health mutuelle (part of Groupe VYV), offering complémentaire santé, prévoyance and similar services to individuals, enterprises and public sector — the closest direct competitor by business model and product mix.
- Malakoff Humanis: Large French group specializing in health and prévoyance for enterprises, particularly under ANI collective contracts; directly competes in the same B2B collective santé segment.
- AG2R La Mondiale: Major French mutual insurer providing retraite complémentaire, santé and prévoyance to individuals and enterprises under a similar mutualist structure.
- Klesia: French mutual group focused on santé and prévoyance for enterprises and seniors; comparable product portfolio and mutualist governance model.
Broad incumbents
- AXA France: Largest French insurer offering health, prévoyance and protection products as part of a broad portfolio; competes in the same complementary health market but with significantly greater scale and brand.
- SwissLife France: Major French insurer with strong position in santé, prévoyance and retirement savings; competes across both individual and enterprise segments.
Emerging players
- Alan: French health Insurtech providing digital-first complementary health insurance to individuals and enterprises; represents a disruptive, technology-led threat to traditional mutuelles in the same product category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
La Mutuelle Familiale social profiles
Digital presenceLa Mutuelle Familiale compliance and trust
Trust signalCompliance4 records
La Mutuelle Familiale financial estimates
Financial estimateRevenue estimate
Valuation estimate
La Mutuelle Familiale leadership team
Management profileNumber of profiles
Profiles1 record
La Mutuelle Familiale funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
La Mutuelle Familiale 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 La Mutuelle Familiale
What does La Mutuelle Familiale do?
La Mutuelle Familiale is a French mutual insurance company offering complementary health insurance (mutuelle santé) and provident insurance (prévoyance) products, including death capital, funeral expense coverage, and loss-of-autonomy benefits. It also distributes travel insurance and civil liability insurance, serving individuals, self-employed workers, enterprises, and local authorities and associations.
Is La Mutuelle Familiale a public or private company?
La Mutuelle Familiale is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was La Mutuelle Familiale founded?
La Mutuelle Familiale was founded in 1940. It employs 101 to 250 people.
Where is La Mutuelle Familiale based?
La Mutuelle Familiale is headquartered in Hauteville, France, in the Europe region.
How does La Mutuelle Familiale make money?
Three revenue lines are on record. Cotisations Santé is the primary driver. The others are cotisations Prévoyance and assurance Voyage et Responsabilité Civile.
Who are La Mutuelle Familiale's main competitors?
Direct peers on record are MGEN, Henner, Mutuelle Générale, Harmonie Mutuelle, Malakoff Humanis, AG2R La Mondiale and Klesia. Broad incumbents are AXA France and SwissLife France. Alan is listed as an emerging player.
Does La Mutuelle Familiale have an API?
No public API is recorded for La Mutuelle Familiale.
What industry is La Mutuelle Familiale in?
La Mutuelle Familiale's product category is Mutual 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 6321.