What MBTP does

MBTP (Mutuelle MBTP) is a French mutual health insurance company (mutuelle) governed by the Code de la Mutualité, providing complementary health coverage to the construction and public works (BTP) sector. Founded in 1928 (MBTP Nord) and 1969 (MBTP SE), the two entities merged in 2021 to form the current company, which protects approximately 46,000 persons across 1,228 affiliated enterprises as of 2025. Headquartered in Villeurbanne (Lyon metropolitan area), the mutual serves three primary customer segments: BTP enterprises (collective group health plans via VITA CO), self-employed artisans and TNS professionals (Profil'R, eligible for Madelin law tax deductions), and individuals/families/seniors (VITA SINGULA). All plans comply with the French 100% Santé regulatory framework.

The company's core technology stack consists of conventional insurance infrastructure rather than proprietary platforms. Members interact through separate web portals (assure.mutuelle-mbtp.com for individuals/TNS and entreprise.mutuelle-mbtp.com for corporate clients) and a proprietary iOS/Android mobile application launched in October 2023. Operational integration with the French national health system occurs through NOEMIE teletransmission for automated reimbursement data exchange, and third-party payment (tiers payant) is handled via Almerys (a national healthcare payment network) following the July 2023 migration from the prior Veralti network. Member data is hosted within the EU under GDPR compliance, with a designated Data Protection Officer.

MBTP operates on a non-profit mutualist model, generating revenue through monthly subscription contributions (cotisations) and returning 80.1% of premiums to members as reimbursements and benefits. Distribution combines direct digital channels (website, mobile app, telephone advisory), a walk-in agency in Villeurbanne, and BTP professional network partnerships. Since 2022, MBTP has been part of the PRO BTP prudential group (SGAPS BTP) alongside Mutuelle Mieux-Etre, providing regulatory scale and financial solidarity mechanisms. The organization is governed by elected member delegates under democratic 'one person, one vote' principles, with current and retired BTP professionals represented on the board.

Name

MBTP

Legal name

Association UPEMO

Website

https://mutuelle-mbtp.com

Company type

Private

Founded year

1928

Operating status

Operating

Headcount range

51–100 employees

Short description

MBTP is a French mutual health insurer (mutuelle) serving the construction and public works (BTP) sector with complementary health coverage for enterprises, self-employed artisans, and individuals, returning 80.1% of premiums as benefits to members.

Ownership category

akta.pro rank

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Member Health Insurance Contributions: MBTP generates revenue through regular membership contributions (cotisations) paid by individual policyholders, self-employed professionals (artisans/TNS), and companies on behalf of their employees. Contributions are determined based on coverage level, member profile (age, family situation), and contract type. The mutual operates on a non-profit basis, with 80.1% of contributions returned to members as benefits and reimbursements. Social action programs are funded through surplus contributions.
2. Collective/Enterprise Health Plans: Companies in the BTP sector subscribe to group health insurance plans for their employees. These contracts are administered through the member portal and managed via DSN (Déclaration Sociale Nominative) integration. Companies benefit from tax and social contribution exemptions under the 'contrat responsable' framework.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

MBTP is a French mutual health insurance company (mutuelle) governed by the Code de la Mutualité that provides complementary health insurance (Complémentaire Santé) to individuals, artisans/self-employed professionals, and companies operating in the construction and public works (BTP) sector. The company also delivers teleassistance services and digital self-service tools (mobile application and member portal) to its policyholders. It operates as part of the PRO BTP prudential group.

Product overview

MBTP (Mutuelle des Professions du BTP) is a mutual health insurance company serving professionals and companies in the French construction sector (Bâtiments et Travaux Publics). Its product portfolio is organized around several complementary health insurance offerings: the core Complémentaire Santé MBTP (available to all segments), VITA SINGULA for individuals and seniors, VITA CO for companies/collective plans, and Profil'R for self-employed artisans and TNS. These core products are supplemented by a digital member ecosystem comprising the MBTP Mobile Application (iOS/Android) and MBTP Member Spaces (individual, artisan, and enterprise portals), enabling reimbursement management, third-party payment card access, NOEMIE teletransmission, dental simulation, and document submission. MBTP also offers a teleassistance service via Bluelinea for seniors, prevention and screening programs, social action financial aid, and publishes the MBTP Mag magazine. The company operates under the PRO BTP prudential group following its 2022 protocol with Groupe PRO BTP.

Differentiator

Problem solved

Functional benefit

Products and services

• Complémentaire Santé (Complementary Health Insurance) Mutual complementary health insurance policy covering individuals, self-employed professionals (artisans), and employees of BTP-sector member companies; provides reimbursement top-ups to French Sécurité Sociale for medical expenses.
• Téléassistance MBTP Remote personal assistance service for MBTP policyholders, typically used by elderly or vulnerable members to summon help from home via a connected device.

Quantifiable outcome

• 80.1% of member contributions returned as benefits and reimbursements
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• PRO BTP GroupcoreStrategic or Co-development PartnerMBTP signed a protocol with the PRO BTP Group in 2022 to establish significant and durable financial solidarity links with the SGAPS BTP (Société de Gestion d'Assurance et de Prévoyance Solidaire du BTP). Under this agreement, MBTP joined the PRO BTP prudential group alongside partner Mutuelle Mieux-Etre, gaining access to shared infrastructure, regulatory expertise, and financial solidarity mechanisms. This allows MBTP to maintain its BTP-focused positioning while benefiting from the scale and resources of one of France's largest construction-sector mutual insurance groups.
• Mutuelle Mieux-EtrecoreStrategic or Co-development PartnerMutuelle Mieux-Etre is a mutual health insurer that is also a member of the SGAPS BTP within the PRO BTP prudential group. MBTP established a partnership with Mutuelle Mieux-Etre following the discontinuation of its partnership with the Veralti network. The two mutuals collaborate within the PRO BTP prudential framework to serve the BTP sector.
• AlmeryscoreTechnology or IntegrationAlmerys is a third-party payment (tiers payant) platform enabling secure data exchange between healthcare providers, the French national health insurance (Sécurité sociale), and complementary health insurers nationwide. MBTP transitioned its third-party payment services from APICIL to Almerys in July 2023, allowing members to avoid upfront payments at pharmacies, optical stores, laboratories, and other participating healthcare providers. Almerys manages the exchanges that enable automatic reimbursement processing via the NOEMIE system.
• Fondation du BTPminorStrategic or Co-development PartnerThe Fondation du BTP (BTP Foundation) is MBTP's historic partner in providing training and prevention resources for the construction sector. During the COVID-19 pandemic, the foundation released a solidarity fund enabling employees on partial unemployment to maintain their health and provident coverage without paying contributions. MBTP also promotes the foundation's training programs on road safety and addiction awareness.
• Stade MétropolitainminorGTM or Marketing PartnerMBTP became a privileged partner of Stade Métropolitain, the rugby association of Rillieux-la-Pape and Villeurbanne clubs competing in Fédérales 1 and 2. The partnership aligns MBTP's values of commitment, effort, and solidarity with rugby's shared ethos, supporting youth training and integration into active life.
• LoxamminorChannel Partner/ Reseller/ DistributorLoxam partnered with Eiffage to make the Ironhand bionic glove available for rental, extending access to small and medium enterprises (PME) and individual artisans in the BTP sector who may not be able to afford the full purchase price. This was part of Eiffage's initiative to democratize the innovation, with MBTP having recognized the innovation through its Prix Prévention.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Henner: French group health and prévoyance broker-insurer with significant enterprise and international client base, including construction-sector clients. Comparable as a specialist group health insurance provider competing for similar enterprise contracts in France and beyond.
• Klesia: Major French social protection group offering health, prévoyance, and retirement services to enterprises and professionals, including construction-sector clients. Comparable as a larger mutualist insurer with overlapping BTP and enterprise group health offerings.
• Groupe Vyv: France's largest mutualist health and social protection group, bringing together mutuelles including Harmonie Mutuelle, MGEN, and others. Comparable as a major French mutualist group with overlapping complementary health insurance offerings and significantly greater scale.
• AG2R La Mondiale: One of France's largest social protection groups, offering health, prévoyance, retirement savings, and asset management across all sectors. Comparable as a major mutualist competitor with materially broader scale, product portfolio, and cross-sector reach than MBTP.
• APICIL: Major French mutual group offering health insurance, prévoyance, retirement, and savings services. Previously the parent group of MBTP (until disaffiliation in July 2023), APICIL is structurally comparable as a multi-segment French mutuelle group with overlapping product lines.
• Harmonie Mutuelle: Major French mutual health insurer and member of Groupe Vyv, serving individuals, professionals, and enterprises across sectors. Comparable as a large-scale complementary health insurer with broader geographic reach and segment coverage than MBTP's BTP-focused niche.
• Malakoff Humanis: Leading French social protection group formed from the merger of Malakoff Médéric and Humanis, offering group and individual health, prévoyance, and retirement services across sectors. Comparable as a large-scale mutualist insurer with enterprise group health offerings targeting similar BTP and broader enterprise segments.

Emerging players

• Alan: French health insurance technology company offering modernized complementary health coverage for individuals and enterprises with a strong digital UX. Comparable as a competing complementary health insurer targeting overlapping customer segments (individual and enterprise) with a digitally-led, lower-cost model.

Direct peers

• Mutuelle Mieux-Etre: Sister mutual within the PRO BTP prudential group (SGAPS BTP), serving complementary health and prévoyance needs across France. Directly comparable to MBTP as a mutualist health insurer within the same prudential perimeter, with similar governance and product structure.
• PRO BTP: PRO BTP is the parent prudential group of MBTP and the dominant BTP-sector social protection provider in France, offering complementary health, prévoyance, retirement savings, and welfare services to construction professionals. Directly comparable as the umbrella organization for BTP-focused mutuals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mutuelleMBTP
• LinkedInlinkedin.com/company/mutuelle-mbtp

Compliance3 records

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 MBTP