M comme Mutuelle
M comme Mutuelle is a French mutual health insurance company (société mutualiste) headquartered in Lille, providing complementary health and prévoyance products to approximately 200,000 individuals, families, seniors, self-employed professionals, businesses, and public sector employees across France via 12 agencies and digital channels.
- Company typePrivate
- Founded2014
- HeadquartersLille, France
- Headcount101–250
- GTM typeB2C
- OfferingServices
What M comme Mutuelle does
M comme Mutuelle is a French société mutualiste headquartered in Lille that provides complementary health insurance (mutuelle santé) and prévoyance products to individuals, families, seniors, self-employed professionals, businesses, and territorial public sector employees. The company protects approximately 200,000 persons and distributes through a hybrid model of 12 physical proximity agencies across France and a digital self-serve quote and subscription tunnel. Core product is the Esprit M health contract, segmented into profiles (young/single, family, senior/retiree, TNS, enterprise, M TER labelled for territorial agents), supplemented by the M Protect prévoyance line covering death benefit, accidental death, hospitalization indemnity, and funeral financing.
The technology stack is digital-first but conventional: a secure client portal for 24/7 contract management, automated reimbursement processing via NOEMIE teletransmission with the French Assurance Maladie (48-hour reimbursement with Carte Vitale), a dematerialized tiers payant card valid across nearly 236,000 healthcare providers, and a web-based quote simulator requiring only birth year and postal code. The company layers third-party services onto the contract — Medaviz for 24/7 teleconsultation, deuxiemeavis.fr for second medical opinion, visiondirect.fr for optical, M Assistance for home help — rather than building these capabilities in-house.
The business model is subscription-based recurring premium revenue. Pricing is individualized by age, postal code, coverage tier (Eco/standard/enhanced), and add-on options. Revenue streams include individual health premiums, collective/employer contracts under the ANI framework, TNS contracts under Loi Madelin, M TER labelled public sector contracts, and the M Protect add-on line. The company holds B Corp certification and operates an affiliated distribution SAS, M comme Mutuelle Conseils (SIREN 814 545 786). The mutualist structure means no external shareholders; the company is owned by its policyholders.
M comme Mutuelle firmographics
Firmographics- Name
- M comme Mutuelle
- Legal name
- M comme Mutuelle
- Website
- https://mcommemutuelle.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- M comme Mutuelle is a French mutual health insurance company (société mutualiste) headquartered in Lille, providing complementary health and prévoyance products to approximately 200,000 individuals, families, seniors, self-employed professionals, businesses, and public sector employees across France via 12 agencies and digital channels.
- Ownership category
- akta.pro rank
M comme Mutuelle industry classification
Industry- Product category
- Mutual Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Services-Health Services (8000)
- akta.pro primary industry
- Medigap Marketing, Lead Gen & Compliance (CMS/Do-Not-Call/TPMO) (HLAEADAE)
Keywords
Where M comme Mutuelle is headquartered
LocationHeadquarters
- HQ city
- Lille
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
M comme Mutuelle business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Individual Health Insurance Premiums: M comme Mutuelle generates primary revenue through recurring monthly/annual premium payments from individual policyholders. Policies are sold directly to individuals (students, young professionals, families, seniors/retirees) and cover supplemental health expenses including optical, dental, hospital, and routine care. Premiums are paid by members with optional employer contribution for former employees via portabilité.
- Collective/Employer Health Contracts: Revenue from group health insurance contracts sold to businesses (TPE, PME, larger groups) as required under the ANI (Accord National Interprofessionnel). Employers contribute to premiums for employees, generating recurring revenue from the business client.
- Providence/Prévoyance Products: Supplementary products including M Protect Décès (death benefit), M Protect Hospi (hospitalization daily indemnity), M Protect Obsèques (funeral planning), and M Protect Décès Accident (accidental death), sold as add-on policies to individual members and businesses.
- TNS (Self-employed) Health Contracts: Specialized health insurance contracts for self-employed professionals, artisans, merchants, liberal professions, auto-entrepreneurs, and freelancers, sold under Loi Madelin provisions, generating recurring premium revenue.
- M TER - Territorial Agent Contracts: Labelled health insurance products for public sector employees (territorial agents, municipal workers, firefighters, police) meeting government solidarity criteria for potential employer contribution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Three formula tiers (Eco, standard, enhanced) per customer profile — generated via online simulation showing pricing and coverage levels |
| Subscription | Monthly | M Protect Décès (all causes death benefit) — 6 capital levels: €5,000 to €50,000 |
| Subscription | Monthly | M Protect Décès Accident (accidental death benefit) — 8 capital levels: €5,000 to €100,000 |
| Subscription | Monthly | M Protect Hospi (hospitalization daily indemnity) — daily indemnity €10 to €50, from €1.29/month |
| Subscription | Monthly | Mutuelle senior (age 70+) — monthly cost reference range €86–€200 |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels11 records
M comme Mutuelle product offering
Product offeringCore offering
M comme Mutuelle is a French société mutualiste headquartered in Lille that sells complementary (mutuelle) health insurance and prévoyance (death, accident, hospitalization, funeral) products to individuals, families, seniors, self-employed workers, enterprises and territorial public-sector agents. Its core contract brand, Esprit M, is sold directly online via a self-serve quote tunnel or through a network of 12 physical agencies across France, and bundles services such as a 24/7 secure client portal, 24/7 Medaviz teleconsultation, a 236,000+ healthcare-provider tiers payant network, automated 48-hour reimbursements via NOEMIE teletransmission, and a second medical opinion service from deuxiemeavis.fr. The company protects approximately 200,000 people and is B Corp certified.
Product overview
M comme Mutuelle is a French mutual insurance company offering a comprehensive portfolio of complementary health insurance products and provident insurance services. The core product is the Esprit M health contract brand, which provides individual and group health insurance across distinct customer segments: young/single individuals (mutuelle jeune ou célibataire), families (mutuelle famille), seniors and retirees (mutuelle senior/retraité), self-employed workers including auto-entrepreneurs and TNS (travailleur non salarié), and territorial agents (offre M TER). The company also offers a budget-oriented line (mutuelle pas chère, mutuelle retraité pas chère) and specialized offerings for over-70s (mutuelle senior plus de 70 ans) and hospitalization-only coverage (mutuelle hospitalisation seule senior). Provident insurance is offered through the M Protect line including M Protect Décès (all-causes death, 5,000€–50,000€), M Protect Décès Accident (accidental death, 5,000€–100,000€), M Protect Hospi (hospitalization indemnity, 10€–50€/day), and M Protect Obsèques (funeral financing, 2,000€–8,000€). Additional services integrated into the Esprit M contract include 24/7 teleconsultation via Medaviz, second medical opinion via deuxiemeavis.fr, 24/7 assistance, and a secure client portal with dematerialized third-party payment card. Prevention services, savings accounts for mutual insurance for those leaving the company, and social aid through the Entraide commission are also provided.
Differentiator
Problem solved
Functional benefit
Brands
- Esprit M: Health insurance contract brand featuring services such as teleconsultation, second medical opinion, and assistance.
- M Protect
- M Protect Hospi
- M Protect Décès
- M Protect Décès Accident
- M Protect Obsèques
- M TER
Products and services
- Contrat santé Esprit M
- Mutuelle santé jeune ou célibataire Individual health insurance for students, young professionals and single individuals, covering city care, hospitalization, pharmacy, optical, dental and alternative medicine, with formula tiers (Eco, standard, enhanced) to fit student and entry-level budgets.
- Mutuelle santé famille Family health insurance that complements the mandatory regime, covering child health needs, pediatric follow-up, orthodontics, optical, dental and preventive care for all family members.
- Mutuelle santé senior ou retraité Health insurance designed for seniors and retirees, with coverage for hospitalization, regular care, dental, optical, hearing aids and alternative medicine; also available in an Eco version for tight budgets.
- Mutuelle senior plus de 70 ans Specialized health insurance for seniors over 70 years old, covering hospitalization, city care, optical, dental, hearing aids and alternative medicine, with adhesion without age limit and without medical questionnaire.
- Mutuelle hospitalisation seule senior Hospitalization-only health insurance for seniors, prioritizing hospital coverage while maintaining adapted coverage for optical, dental and hearing aids.
- Mutuelle retraité pas chère Budget-oriented health insurance for retirees offering comprehensive coverage for hospitalization, city care, optical, dental, hearing aids and alternative medicine at competitive prices.
- Mutuelle pas chère Budget health insurance covering essential guarantees on health expenses: city care, hospitalization, pharmacy, optical, dental, alternative medicine and audiology.
- Mutuelle auto-entrepreneur Health insurance for self-employed workers — auto-entrepreneurs, traders, service providers, consultants and digital professionals — providing comprehensive coverage for medical consultations, hospitalizations, dental and optical care, eligible for Loi Madelin tax treatment.
- Mutuelle TNS (Travailleur Non Salarié) Health insurance for self-employed workers including liberal professions, providing coverage adapted to expenses and professional activity and eligible under Loi Madelin.
- Mutuelle collective entreprise Group health insurance for businesses (TPE, PME and larger groups) implementing mandatory employee health coverage per the ANI (Accord National Interprofessionnel) of January 11, 2013, with employer contribution and portabilité des droits for departing employees.
- Offre M TER (Mutuelle Agent Territorial) Labelled health insurance offer for civil servants and public/private-law employees of territorial collectivities, composed of 4 formulas with included assistance services. Meets decree-defined solidarity criteria: no age limit, no medical questionnaire, intergenerational solidarity, accessible pricing for large families, identical guarantees for active and retired employees, and responsible/solidary contract guarantees.
- M Protect Décès All-causes death insurance (M Protect line) providing capital of €5,000 to €50,000 to beneficiaries in case of death due to illness, accident, natural death, or Total Permanent Disability (PTIA). Subscription from €0.55/month (age 18, €5,000 capital). Available ages 18–70, coverage until age 80. No medical exam required — online health questionnaire only.
- M Protect Décès Accident Accidental death insurance providing capital of €5,000 to €100,000 to beneficiaries in case of death due to accident, including accidents abroad. Subscription from €0.41/month (age 18, €5,000 capital). Available ages 18–75, coverage until age 80. No medical formalities required. Capital is tax-free and not subject to succession rights.
- M Protect Hospi Hospitalization daily indemnity insurance paying €10 to €50 per day from the first day of hospitalization, covering comfort expenses (TV, wifi, phone, private room), daily life management (transport, childcare, home help) and family support. Subscription from €1.29/month. Indemnity paid for hospitalizations exceeding 24 hours; covers hospitalization from day 1 (accident) or after 3-month waiting period (illness). No medical formalities.
- M Protect Obsèques Funeral expense insurance providing capital of €2,000 to €8,000 to finance funerals and relieve family of organizational and financial burden. Three contribution modes available: 10 years, 15 years, or lifetime.
- Prévoyance (M Protect line) Provident insurance solutions bundling death, accidental death, hospitalization daily indemnity and funeral coverage to financially protect families and loved ones in case of death, disability, illness or accident.
- Téléconsultation médicale (Medaviz) 24/7 medical teleconsultation service provided via the Medaviz platform, giving access to general practitioners and specialists (pediatricians, gynecologists, ORL) and paramedical professionals (pharmacists, nurses, midwives) without appointment, by phone or video conference. Included in the Esprit M contract at no extra cost; up to 5 family member accounts.
- Deuxième avis médical (deuxiemeavis.fr) Second medical opinion service integrated into the Esprit M contract, enabling members to submit their medical file to a specialist expert and receive a personalized opinion in under 7 days. Covers over 500 serious, rare or disabling diseases across 12 medical specialties (oncology, orthopedics, cardiology, neurology, etc.). Included at no extra cost.
- Prévention (Prevention services) Prevention services for members, including workshops, videoconferences and articles on cardiovascular diseases, cancer prevention, falls, nutrition advice, physical activity and health education, with a strong focus on seniors.
- Mutuelle pour intermittent du spectacle Supplemental health insurance for intermittent entertainment workers, adapted to the irregular income and specific healthcare needs of the profession.
- Mutuelle artiste auteur Supplemental health insurance for artist-authors, adapted to their professional status and revenue pattern.
- Mutuelle pharmaciens Supplemental health insurance for pharmacists, tailored to the specific professional and personal coverage needs of the profession.
- Mutuelle notaires Supplemental health insurance for notaries, tailored to the professional and personal coverage needs of the profession.
- Mutuelle avocat Supplemental health insurance for lawyers, tailored to the professional and personal coverage needs of the legal profession.
- Mutuelle artisan Supplemental health insurance for artisans, adapted to the professional and personal coverage needs of the craft trades.
- Mutuelle commerçant Supplemental health insurance for merchants and traders, adapted to the professional and personal coverage needs of retail and trading activities.
- Mutuelle profession libérale Supplemental health insurance for liberal professions, adapted to the professional and personal coverage needs of independent professionals.
Quantifiable outcome
- 200,000 persons protected by the company
- +4 more outcomes
Companies that use M comme Mutuelle
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles6 records
M comme Mutuelle technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
M comme Mutuelle partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- MedavizcoreM comme Mutuelle partners with Medaviz to provide 24/7 teleconsultation services to policyholders. Medaviz enables direct doctor contact by phone or video consultation without appointment, available 24h/24 and 7j/7. The service covers over 20 specialties including general practitioners, specialists (pediatricians, gynecologists, ENT), and paramedical professionals (pharmacists, nurses, midwives). All professionals are French-certified. M comme Mutuelle covers the cost of teleconsultation for its members. Up to 5 family member accounts are provided.
- deuxiemeavis.frcoreM comme Mutuelle integrates deuxiemeavis.fr to provide members with access to a second medical opinion from expert physicians. Service covers 500+ pathologies across 12 specialty areas (oncology, orthopedics, cardiology, neurology, etc.) and delivers expert opinion in under 7 days. Included at no extra cost in all Esprit M contract holders.
- Healthcare provider network (236,000+ professionals)coreNear-nationwide tiers payant network covering pharmacy, biology, radiology, external care, paramedical practitioners, physicians, and medical transporters across France. Approximately 236,000 healthcare professionals accept the M comme Mutuelle third-party payment card, allowing members to not advance medical costs.
- CMAP (Centre de Médiation et d'Arbitrage de Paris)minorCMAP serves as the external mediator for consumer disputes when resolution cannot be reached through M comme Mutuelle's internal customer protection service. Contactable via online form at cmap.fr, email, or postal mail.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
M comme Mutuelle competitors and assessment
Company assessmentDirect peers
- Klesia: French mutual health and prévoyance insurer focused on professionals, executives, and enterprises. Comparable in product mix (health, prévoyance, death, hospitalization) and target customer segments.
- Aésio Mutuelle: Major French health mutual formed from the merger of several regional mutuelles, serving individuals, professionals, and businesses with supplemental health and prévoyance products. Comparable mutualist structure, product offering, and multi-channel distribution model.
- Harmonie Mutuelle: One of France's largest health mutuelles, offering individual, family, senior, and collective health insurance with both digital tools and a physical agency network. Directly comparable business model, customer segments, and product portfolio to M comme Mutuelle.
- Malakoff Humanis: Leading French health and prévoyance insurer serving individuals, professionals, and enterprises with collective health contracts under ANI. Comparable breadth of individual and group health offerings plus prévoyance line.
- Henner: French group health insurance specialist with strong presence in collective contracts, complementary health, and prévoyance for businesses and professionals. Directly comparable in serving TNS and enterprise segments with health and death/disability products.
Emerging players
- Alan: French health insurance technology company offering digital-first individual and collective health insurance via employer and direct channels. Comparable health insurance product but with a fully digital model that contrasts with M comme Mutuelle's hybrid agency approach.
Broad incumbents
- AXA France: One of France's largest insurance groups offering individual, family, and collective health insurance as part of a broader P&C and life portfolio. Overlaps in health and prévoyance products, but at vastly greater scale and with a wider product set.
- Crédit Agricole Assurances: Insurance arm of Crédit Agricole, one of France's largest bancassureurs, offering health, life, and prévoyance products distributed through the bank's branch network. Comparable in collective and individual health but distributed primarily via banking channels rather than a dedicated mutuelle agency network.
- SwissLife France: Major French insurer offering health, life, and prévoyance products to individuals and enterprises, including collective contracts under ANI. Comparable in health and prévoyance product breadth and enterprise focus, but operates as a for-profit insurer rather than a mutual.
- Groupama: Large French mutual insurer offering health, auto, home, and life insurance through a deep regional agency network. Comparable in mutualist structure, agency-led distribution, and health insurance offering, but operates at much greater scale and breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
M comme Mutuelle social profiles
Digital presenceM comme Mutuelle compliance and trust
Trust signalCompliance3 records
M comme Mutuelle financial estimates
Financial estimateRevenue estimate
Valuation estimate
M comme Mutuelle leadership team
Management profileNumber of profiles
Profiles1 record
M comme Mutuelle subsidiaries and ownership
Company hierarchySubsidiaries1 record
M comme Mutuelle funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
M comme 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 M comme Mutuelle
What does M comme Mutuelle do?
M comme Mutuelle is a French société mutualiste headquartered in Lille that sells complementary (mutuelle) health insurance and prévoyance (death, accident, hospitalization, funeral) products to individuals, families, seniors, self-employed workers, enterprises and territorial public-sector agents. Its core contract brand, Esprit M, is sold directly online via a self-serve quote tunnel or through a network of 12 physical agencies across France, and bundles services such as a 24/7 secure client portal, 24/7 Medaviz teleconsultation, a 236,000+ healthcare-provider tiers payant network, automated 48-hour reimbursements via NOEMIE teletransmission, and a second medical opinion service from deuxiemeavis.fr. The company protects approximately 200,000 people and is B Corp certified.
Is M comme Mutuelle a public or private company?
M comme Mutuelle is a private company. It is classified as management employee owned and is currently operating.
When was M comme Mutuelle founded?
M comme Mutuelle was founded in 2014. It employs 101 to 250 people.
Where is M comme Mutuelle based?
M comme Mutuelle is headquartered in Lille, France, in the Europe region.
How does M comme Mutuelle make money?
Five revenue lines are on record. Individual Health Insurance Premiums are the primary driver. The others are collective/Employer Health Contracts, providence/Prévoyance Products, TNS (Self-employed) Health Contracts and M TER - Territorial Agent Contracts.
Who are M comme Mutuelle's main competitors?
Direct peers on record are Klesia, Aésio Mutuelle, Harmonie Mutuelle, Malakoff Humanis and Henner. Alan is listed as an emerging player. Broad incumbents are AXA France, Crédit Agricole Assurances, SwissLife France and Groupama.
Does M comme Mutuelle have an API?
No public API is recorded for M comme Mutuelle.
What industry is M comme Mutuelle in?
M comme Mutuelle's product category is Mutual Health Insurance. Its primary akta.pro industry code is HLAEADAE, Medigap Marketing, Lead Gen & Compliance (CMS/Do-Not-Call/TPMO). Its NAICS code is 52411 and its SIC code is 8000.