Mutami
Mutami is a French non-profit mutual health insurance company founded in 1962, headquartered in Toulouse, providing complementary health and provident coverage to individuals, employers, self-employed workers, and public-sector entities across 20+ French departmental agencies.
- Company typePrivate
- Founded1962
- HeadquartersToulouse, France
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Mutami does
Mutami (legal name: Mutuelle Mutami) is a French mutual health insurance company founded in 1962 and headquartered in Toulouse. Operating on a non-profit mutualist basis under the French Code de la Mutualité, the company provides complementary health insurance (mutuelle santé) and provident (prévoyance) coverage to a diversified customer base including individuals, employers (TPE/PME/associations under 100 employees), self-employed workers, territorial government agents, hospital staff, commune residents, and association members. Mutami's product portfolio includes primary health insurance plans, a top-up tier (Surcomplémentaire), industry-specific collective agreement plans (Conventions Collectives Dédiées), a digital prevention platform (Mon Espace Prévention), a network of healthcare centers (Centres de Soins), and an online member portal.
The commercial model is subscription-based, with monthly recurring premiums set via personalized quote requests rather than publicly disclosed pricing. Distribution is hybrid: a network of 20+ physical territorial agencies across 15+ French departments—from Brest and Le Mans in the north to Montpellier, Sète, and Toulouse in the south, plus a Saint-Quentin-en-Yvelines site in the Paris region—combined with digital self-service channels including an iOS/Android mobile application and a website quote request system. Marketing is executed through organic social media (Facebook, LinkedIn, YouTube), a proprietary podcast ("Entre Nous"), a content marketing news section, and a member referral program (Parrainage).
The company's underlying technology is largely off-the-shelf insurance SaaS: a mobile application, online portal, and customer-facing website. The sole disclosed third-party integration is ACCEO, which provides accessibility tools for the customer portal. No proprietary AI/ML capabilities, patents, or technology differentiators are documented. Mutami competes as a regional/territorial mutualist insurer differentiated by physical proximity and member-focused service rather than technology leadership, competing against larger national mutuelles (Harmonie Mutuelle, MGEN, etc.) and commercial insurers in the French complementary health market.
Mutami firmographics
Firmographics- Name
- Mutami
- Legal name
- Mutuelle Mutami
- Website
- https://mutami.fr
- Company type
- Private
- Founded year
- 1962
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Mutami is a French non-profit mutual health insurance company founded in 1962, headquartered in Toulouse, providing complementary health and provident coverage to individuals, employers, self-employed workers, and public-sector entities across 20+ French departmental agencies.
- Ownership category
- akta.pro rank
Mutami industry classification
Industry- Product category
- Mutual Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Carriers, Nec (6399), Services-Health Services (8000)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industry
- Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)
Keywords
Where Mutami is headquartered
LocationHeadquarters
- HQ city
- Toulouse
- HQ country
- France
- HQ region
- Europe
Offices20 records
Markets served
Mutami business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Health Insurance Premiums: Mutami generates revenue through subscription-based health insurance premiums paid by individuals, employers, self-employed workers, and public organizations. Members pay recurring premiums for mutual health coverage including health insurance, provident insurance, and complementary health plans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Quote-based pricing for all customer segments |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Mutami product offering
Product offeringCore offering
Mutami is a French mutual health insurance company (mutuelle santé) selling complementary health insurance and provident insurance products to individuals, employers, self-employed professionals, territorial government agents, hospital staff, local authorities, commune residents, and association members. The company delivers its offering through a hybrid model combining 20+ territorial agencies across France with digital self-service channels including a mobile application and online member portals.
Product overview
Mutami is a French health insurance company (mutuelle santé) offering a comprehensive portfolio of health insurance and providence products organized into distinct segments: individual customers (particuliers), employers and self-employed professionals (employeurs/travailleurs indépendants), local authorities and hospitals (collectivités territoriales/CHU/hôpitaux), and commune residents and association members (administrés/adhérents des associations). The core offering includes primary health insurance coverage with various supplementary tiers (surcomplémentaire) and specialized plans aligned with specific collective agreements (conventions collectives dédiées). The portfolio is complemented by digital services including Mon Espace Prévention (a personalized health prevention platform), a network of healthcare centers (centres de soins), online member portals (Services en Ligne Adhérents), and a healthcare professional portal (Espace Professionnel de Santé). The company also provides supplementary services such as sponsorship programs (parrainage) and free quote requests (devis).
Differentiator
Problem solved
Functional benefit
Products and services
- Mutuelle santé Particuliers (Individual Health Insurance) Complementary health insurance coverage for individual customers and families, providing daily protection and reimbursement for medical expenses not covered by the French national health system.
- Mutuelle santé Employeurs et Travailleurs Indépendants (Employer Health Insurance) Employer-sponsored health insurance solutions for TPE, PME, and associations with fewer than 100 employees, providing group health coverage for employees.
- Mutuelle santé Travailleurs Indépendants (Self-Employed Health Insurance) Dedicated health insurance coverage for self-employed workers, freelancers, and independent professionals requiring coverage without employer subsidies.
- Mutuelle Agents Territoriaux (Territorial Government Employees Health Insurance) Health insurance specifically designed for territorial government employees (agents territoriaux), aligned with relevant public-sector collective agreements.
- Mutuelle Agents Hospitaliers (Hospital Staff Health Insurance) Health insurance coverage for hospital staff and healthcare workers, aligned with hospital-sector collective agreements.
- Mutuelle Collectivités Territoriales (Local Authorities Health Insurance) Health insurance solutions for local authorities and territorial collectivities to provide coverage for their public employees.
- Mutuelle CHU et Hôpitaux (University Hospital Health Insurance) Health insurance offerings for university hospital centers (CHU) and hospital establishments, tailored to hospital-sector requirements.
- Mutuelle Habitants des Communes (Commune Residents Health Insurance) Health insurance for residents of partner municipalities and communes, distributed through local government partnerships.
- Mutuelle Adhérents des Associations (Association Members Health Insurance) Health insurance coverage for members of partner associations, distributed through association partnerships.
- Surcomplémentaire (Top-Up Health Insurance) Top-up insurance coverage that supplements primary health insurance plans to provide additional reimbursement of medical expenses for members requiring enhanced protection.
- Conventions Collectives Dédiées (Collective Agreement Plans) Specialized health insurance plans tailored to specific collective bargaining agreements and industry conventions for sector-specific employer groups.
- Centres de Soins (Healthcare Centers Network) Network of healthcare centers offering medical services to Mutami policyholders as a value-added in-network care delivery channel.
Companies that use Mutami
Customer profileSegments3 records
Ideal customer profiles3 records
Mutami technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Mutami partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights10 records
Mutami competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Mutami social profiles
Digital presenceMutami financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mutami leadership team
Management profileNumber of profiles
Mutami funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mutami 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 Mutami
What does Mutami do?
Mutami is a French mutual health insurance company (mutuelle santé) selling complementary health insurance and provident insurance products to individuals, employers, self-employed professionals, territorial government agents, hospital staff, local authorities, commune residents, and association members. The company delivers its offering through a hybrid model combining 20+ territorial agencies across France with digital self-service channels including a mobile application and online member portals.
Is Mutami a public or private company?
Mutami is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Mutami founded?
Mutami was founded in 1962. It employs 51 to 100 people.
Where is Mutami based?
Mutami is headquartered in Toulouse, France, in the Europe region.
How does Mutami make money?
One revenue line is on record: health Insurance Premiums.
Does Mutami have an API?
No public API is recorded for Mutami.
What industry is Mutami in?
Mutami's product category is Mutual Health Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of FSAIAKAF, Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid). Its NAICS code is 52411 and its SIC code is 6399.