Rempart Mutual
Rempart Mutual is a French non-profit mutual insurer, founded in 1932 and headquartered in Toulouse, providing complementary health and provident insurance to individuals, families, professionals, and civil servants, primarily across the Occitanie region.
- Company typePrivate
- Founded1932
- HeadquartersToulouse, France
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Rempart Mutual does
Rempart Mutual (legal entity: Rempart Mutuelle) is a French mutual insurance company founded in 1932 and headquartered at 1 rue d'Austerlitz, Toulouse Cedex 6. It operates as a non-profit mutual insurer (mutuelle) governed by its members/policyholders, serving individuals, families, students, freelancers, enterprises, and public-sector employees — with a primary focus on state and territorial civil servants through its labeled Cybélia product range. The company employs 101–250 people and distributes complementary health insurance (Complémentaire Santé) and provident/hospitalization insurance (Prévoyance, REMPART Hospi) across France, with operational concentration in the Occitanie region via a physical agency network and municipal partnerships (notably the Mutuelle Communale de la ville d'Albi).
The core product portfolio is segmented by customer profile: Gamme Cybélia and Cybélia Labellisée for state and territorial civil servants; Gamme Solidéria, Garantie Sérénitia, and Garantie Silver for individuals and seniors (55+); Surcomplémentaire Hospiat as an enhanced hospital rider; and Solution Internationale for international coverage. The technology stack centers on a digital insurance platform comprising the REMPART POCKET mobile application and three role-based portals (Espace adhérent, Espace pro de santé, Espace délégués), with MédecinDirect telemedicine embedded as a value-added service in all health contracts. Supporting member services — REMPART Aidants, Assistance, Avantages, Parentalité, and Solidarité — are bundled into contracts.
Rempart generates revenue through recurring monthly subscription premiums on individual and group health and provident policies. Pricing is quote-based and varies by segment and coverage level (Gamme Cybélia, Solidéria, Sérénitia, Silver), with no publicly disclosed rate cards. The go-to-market combines direct-to-consumer digital channels (website, portals, mobile app), telephone sales through a non-surcharged line (0970 82 81 80), physical agency consultation, community marketing via sports sponsorships, and B2B/B2G partnerships (municipal communales, group enterprise contracts). No external funding rounds, M&A activity, or parent-company relationships are present, consistent with its member-owned mutual structure.
Rempart Mutual firmographics
Firmographics- Name
- Rempart Mutual
- Legal name
- Rempart Mutuelle
- Website
- https://mutuelledurempart.fr
- Company type
- Private
- Founded year
- 1932
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Rempart Mutual is a French non-profit mutual insurer, founded in 1932 and headquartered in Toulouse, providing complementary health and provident insurance to individuals, families, professionals, and civil servants, primarily across the Occitanie region.
- Ownership category
- akta.pro rank
Rempart Mutual industry classification
Industry- Product category
- Health Insurance
- NAICS
- Health Care and Social Assistance (62)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
Keywords
Where Rempart Mutual is headquartered
LocationHeadquarters
- HQ city
- Toulouse
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Rempart Mutual 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
- Health Insurance Premiums (Complémentaire Santé): Recurring premium payments from individual and group health insurance policies covering medical expenses not reimbursed by the French public health system
- Providence Insurance Premiums (Prévoyance): Recurring premium payments for life, disability, and death insurance coverage including REMPART Hospi hospitalization insurance
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Custom health and providence insurance plans |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Rempart Mutual product offering
Product offeringCore offering
Rempart Mutuelle is a French mutual insurance company that provides complementary health insurance (Complémentaire Santé) and provident insurance (Prévoyance), including coverage for hospitalization, death, and disability, to supplement the French public healthcare system. The company serves individuals, families, students, seniors, self-employed professionals, enterprises, and state and territorial civil servants through dedicated product ranges (Gamme Cybélia, Gamme Solidéria, Garantie Silver) and bundles in telemedicine, mobile, and assistance services.
Product overview
Rempart Mutuelle is a French mutual health insurance company offering a comprehensive portfolio of complementary health insurance (complémentaire santé) and provident insurance (prévoyance) products. The core offering centers on Complémentaire Santé and Prévoyance Rempart Hospi products, supplemented by the REMPART POCKET mobile application for member access. The company serves distinct segments including students, families, territorial agents, hospital agents, civil servants (state and territorial), people aged 55 and above, independent professionals, and businesses. Product sub-brands include Gamme Cybélia and Gamme Cybélia Labellisée for civil servants, Solidéria/Sérénitia/Silver for private individuals by life stage, and Surcomplémentaire Hospiat for enhanced hospital coverage. Included services such as MédecinDirect (telemedicine), REMPART Assistance, REMPART Aidants, REMPART Avantages, REMPART Parentalité, and REMPART Solidarité add member value to all contracts.
Differentiator
Problem solved
Functional benefit
Brands
- Gamme Cybélia: Health insurance range for State officials (Fonctionnaires d'Etat)
- Gamme Cybélia Labellisée
- Gamme Solidéria
- Garantie Sérénitia
- Garantie Silver
- REMPART Pocket
- REMPART Hospi
- REMPART Aidants
- REMPART Assistance
- REMPART Avantages
- REMPART Parentalité
- REMPART Solidarité
Products and services
- Complémentaire Santé
Companies that use Rempart Mutual
Customer profileSegments7 records
Ideal customer profiles3 records
Rempart Mutual technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Rempart Mutual partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- MédecinDirectcoreTelemedicine service partnership integrated into all Rempart Mutual health insurance contracts, allowing members to consult doctors remotely at any time. This value-added service is included in all contracts at no additional cost.
- Sports Partners (Partenariats sportifs)minorSports sponsorship partnerships for brand visibility and community engagement in the Occitanie region.
- Commune of AlbiminorMunicipal health insurance partnership providing communal health insurance (Mutuelle Communale de la ville d'Albi) for residents of Albi, demonstrating collaboration with local government for community health coverage.
Recent moves1 record
Expansion highlights5 records
Rempart Mutual competitors and assessment
Company assessmentBroad incumbents
- MACIF: Major French mutual insurer with growing health insurance offerings alongside its core P&C heritage. Comparable mutual structure and member-owned governance, with broader product portfolio.
- MAIF: French mutual insurer with strong values-driven brand, expanding into health and prévoyance. Comparable as a non-profit mutual targeting similar civil-servant, family, and educator segments.
- AXA France: Leading French insurer offering santé, prévoyance, and IARD products across all segments. Comparable product offering at scale, with a for-profit (rather than mutual) ownership structure.
- Crédit Agricole Assurances: Bancassurer offering health and prévoyance products distributed through Crédit Agricole's regional banks. Comparable in complémentaire santé offering but competes via a banking-led distribution model rather than mutual/agency-led.
- Groupama: Large French mutual insurance group offering health, life, and P&C products through a regional caisse network. Comparable as a mutual competitor with similar multi-channel distribution model.
Emerging players
- Alan: French health insurtech offering digital-first complémentaire santé to individuals, freelancers, and SMEs. Comparable in target segments (freelancers, employees, families) but differentiated by a fully digital, vertically integrated model.
Direct peers
- Harmonie Mutuelle: Major French mutual health insurer offering complémentaire santé and prévoyance to individuals, families, and enterprises. Directly comparable as a non-profit mutual with multi-segment product lines and a national footprint.
- Malakoff Humanis: Large French mutual health and prévoyance provider serving companies and individuals. Comparable in product mix (complémentaire santé + prévoyance) and mutual structure, though at significantly larger scale.
- MGEN (Mutuelle Générale de l'Éducation Nationale): French mutual health insurer historically serving education-sector civil servants, now broadly open. Directly comparable as a labeled-product mutual with strong public-sector segment focus.
- Aésio Mutuelle: French mutual health insurer resulting from the merger of several regional mutuelles. Comparable as a multi-regional mutual serving individuals, professionals, and enterprises with similar product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Rempart Mutual social profiles
Digital presenceRempart Mutual financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rempart Mutual leadership team
Management profileNumber of profiles
Rempart Mutual funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rempart Mutual 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 Rempart Mutual
What does Rempart Mutual do?
Rempart Mutuelle is a French mutual insurance company that provides complementary health insurance (Complémentaire Santé) and provident insurance (Prévoyance), including coverage for hospitalization, death, and disability, to supplement the French public healthcare system. The company serves individuals, families, students, seniors, self-employed professionals, enterprises, and state and territorial civil servants through dedicated product ranges (Gamme Cybélia, Gamme Solidéria, Garantie Silver) and bundles in telemedicine, mobile, and assistance services.
Is Rempart Mutual a public or private company?
Rempart Mutual is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Rempart Mutual founded?
Rempart Mutual was founded in 1932. It employs 101 to 250 people.
Where is Rempart Mutual based?
Rempart Mutual is headquartered in Toulouse, France, in the Europe region.
How does Rempart Mutual make money?
Two revenue lines are on record. Health Insurance Premiums (Complémentaire Santé) is the primary driver. The others are providence Insurance Premiums (Prévoyance).
Who are Rempart Mutual's main competitors?
Broad incumbents on record are MACIF, MAIF, AXA France, Crédit Agricole Assurances and Groupama. Alan is listed as an emerging player. Direct peers are Harmonie Mutuelle, Malakoff Humanis, MGEN (Mutuelle Générale de l'Éducation Nationale) and Aésio Mutuelle.
Does Rempart Mutual have an API?
No public API is recorded for Rempart Mutual.
What industry is Rempart Mutual in?
Rempart Mutual'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 62 and its SIC code is 6411.