What Identités Mutuelle does

Identités Mutuelle is a French mutual insurance company (mutuelle) governed by the Code de la mutualité and headquartered in Levallois-Perret, Paris. Founded in 1990, the company is also known as the Mutuelle Nationale de l'Enseignement Catholique (MNEC) and operates as a non-profit entity within the Économie Sociale et Solidaire (ESS) sector. It provides complementary health insurance (complémentaire santé) and prévoyance (death, disability, and dependency) coverage to three principal segments: individual members and families, the private Catholic education community (teachers, OGEC personnel, retired educators, parents of students, and alumni), and businesses and self-employed professionals seeking mandatory employer-sponsored coverage. The company also administers Complémentaire Santé Solidaire (CSS) for low-income populations.

The product portfolio centers on health insurance with tiered coverage formulas ranging from €33.57 to €60.84 per month in the education sector, plus add-on services including medical teleconsultation, 24/7 home teleassistance (Previfil), legal protection, retirement planning, and psychological support. Distribution combines a nationwide physical agency network with a digital online quote and subscription platform (devis.api-identites-mutuelle.com), a member self-service portal (Espace Adhérent), named phone advisors with regional coverage, and a biannual content magazine (iMag). The company's go-to-market is community-led within the private Catholic education sector, with supplementary sales-led and digital self-service motions.

The revenue model is subscription-based, with monthly recurring premiums collected from members across the three segments. The company differentiates through solidarity-based positioning, a mutual governance structure, and ongoing partnerships with charitable organizations (Les Frigos Solidaires, La Cravate Solidaire Mobile, Fondation territoriale des lumières). As a non-profit, financial flows are reinvested into member services and social action rather than distributed to shareholders.

Name

Identités Mutuelle

Legal name

Identités Mutuelle

Website

https://identites-mutuelle.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

Identités Mutuelle is a French non-profit mutual insurance company (also known as MNEC) providing complementary health insurance and prévoyance to individuals, the private Catholic education sector, and businesses across France under a community-led, solidarity-based model.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers (5241), Other Insurance Related Activities (52429)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Health insurance
• Mutual insurance
• Prévoyance coverage
• Supplementary health coverage
• Group health insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly subscription-based health insurance premiums collected from individual members, families, and corporate clients. Premiums are calculated based on mandatory insurance regime, family composition, and age of beneficiaries.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Identités Mutuelle is a French non-profit mutual insurance company that provides complementary health insurance (mutuelle santé) and prévoyance (death/disability) coverage. It operates under the Code de la mutualité and serves individuals, families, employees of the private Catholic education sector, and businesses, with tiered plans (E3P0–E3P3) and add-on services such as teleconsultation, home teleassistance, legal protection, and retirement planning.

Product overview

Identités Mutuelle is a French mutual insurance company (mutuelle) offering a comprehensive portfolio of health insurance (complémentaire santé) and prévoyance (death/disability insurance) products. The core offering consists of individual health insurance for private individuals, specialized health plans for the private Catholic education sector (teachers, OGEC staff, parents, and former students), and group health insurance for businesses. The company also manages Complémentaire Santé Solidaire (CSS) for low-income populations. All plans include digital member services via the Espace Adhérent portal, teleconsultation, and assistance services. The company distinguishes itself through solidarity commitments including social action funds, partnerships with charitable organizations, and environmental initiatives like Les Frigos Solidaires. The product portfolio is structured around four formula levels (E3P0 through E3P3) for the education sector, with add-on services like legal protection, home assistance, and retirement planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutuelle Santé Particuliers Complementary health insurance plans tailored for individuals and families, with tiered coverage levels and reimbursement of out-of-pocket medical expenses not covered by the French Sécurité sociale.
• Prévoyance Death, disability, and life insurance coverage that protects members and their families against loss of income due to death or inability to work.
• Mutuelle Enseignants et Personnels OGEC Specialized complementary health insurance coverage designed specifically for teachers and OGEC staff in private Catholic education, with dedicated tiers (E3P0, E3P1, E3P2, E3P3).
• Mutuelle Enseignement Privé - Parents d'élèves et Anciens élèves Health insurance plans designed for parents of students and alumni of private Catholic schools, offering preferential pricing and tailored coverage for the Catholic education community.
• Mutuelle Entreprises Group health insurance plans offered to companies, self-employed professionals, and business owners, providing collective complementary health coverage for their employees.
• Complémentaire Santé Solidaire (CSS) Complémentaire Santé Solidaire (CSS) plans offered to members whose income falls below the regulatory threshold, providing full complementary health coverage at a reduced or zero contribution.
• Téléconsultation Médicale Remote medical consultation service that allows members to consult healthcare professionals by phone or video, included as part of their mutual membership.
• Assistance Personal and family assistance services providing support during life events such as hospitalization, accidents, or domestic emergencies.
• Téléassistance à domicile (Previfil) Home teleassistance service (marketed under the Previfil brand) that connects members to a remote support platform via wearable devices for elderly or vulnerable individuals.
• Protection Juridique Santé Legal protection insurance covering health-related legal disputes, providing members with access to legal advice and representation for medical and health insurance conflicts.
• Bilan Retraite Retirement planning assessment service that helps members evaluate their retirement readiness, project income, and prepare for the transition to retirement.
• Soutien Psychologique

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Les Frigos SolidairescoreStrategic or Co-development PartnerSocial innovation partnership combatting food waste and precarity. Identités Mutuelle has been a partner since the association's creation, supporting local mutual aid and sustainable food access across France.
• Fondation territoriale des lumièrescoreStrategic or Co-development PartnerTerritorial foundation supporting local solidarity projects including partnership with La Cravate Solidaire Mobile via Call&Care. Identités Mutuelle participates in co-construction of projects with local and national associations.
• La Cravate Solidaire MobileminorGTM or Marketing PartnerAssociation supported through cross-actions with Call&Care and the Fondation territoriale des lumières. Provides professional attire for job seekers in difficulty.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• Alan: French digital health insurer focused on individual and SME complémentaire santé with a tech-led platform. Comparable on health insurance product category and digital distribution, but differentiated by technology-first approach and for-profit tech scale.

Direct peers

• Harmonie Mutuelle: One of the largest French health mutuelles offering complémentaire santé and prévoyance to individuals, enterprises, and public-sector employees. Highly comparable on product mix (health, prévoyance, teleconsultation, assistance) and mutual governance model, but with significantly greater scale.
• Klesia: French mutual group specializing in social protection (health, prévoyance, retirement) for enterprises and professionals. Comparable on mutuelle health/prévoyance product mix and B2B/enterprise distribution motion.
• Macif: Large French mutual insurer offering health, prévoyance, auto, and home products under a mutual governance structure. Comparable on mutual governance, complémentaire santé offering, and multi-channel distribution.
• MGEN: Major French mutual historically tied to the education sector (now broader) providing health, prévoyance, and social protection. Directly comparable as a mutual insurer anchored in an education/community vertical with multi-generational member relationships similar to MNEC.
• Malakoff Humanis: Leading French group protection insurer specializing in mandatory employer-sponsored health and prévoyance plans. Highly comparable on the enterprise mutuelle santé segment and the B2B distribution motion.
• Mutuelle Générale: French health mutuelle offering complémentaire santé to individuals and enterprises under a mutual governance model. Comparable on product mix (health, prévoyance) and mutual structure, though with different community origins.

Regional players

• Henner: French mutual historically serving professional/education communities (GMC) with health, prévoyance, and assistance products. Comparable as a community-anchored French mutuelle with a similar target member profile, though larger and broader in scope.

Broad incumbents

• SwissLife France: Major French life and health insurer (including prévoyance) with broad individual and enterprise distribution. Comparable on complementary health and prévoyance products but operates as a large for-profit carrier rather than a community mutuelle.
• AXA France: Incumbent French insurance carrier with broad health, life, and prévoyance offerings across individual and enterprise segments. Overlaps with Identités Mutuelle in core health and prévoyance products but competes from a for-profit, larger-scale posture.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ID_Mutuelle
• YouTubeyoutube.com/user/identitesmutuelle
• Facebookfr-fr.facebook.com/identitesmutuelle
• LinkedInlinkedin.com/company/identites-mutuelle

Revenue estimate

Valuation estimate

Number of profiles

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 Identités Mutuelle