Wellness mutual

What Wellness mutual does

Mutuelle Mieux-Etre is a French non-profit mutual insurance company (mutuelle) governed by Livre II of the Code de la mutualité and regulated by the ACPR, founded in 1927 and headquartered in Paris (171 avenue Ledru Rollin, 75011). It provides complementary health insurance (Complémentaire Santé) and provident insurance (Prévoyance) to individuals, professionals, and enterprises across France, with sub-brands including SMBTP for the BTP/construction sector and Céramique for ceramics professionals. The company reports protecting more than 237,000 members and emphasizes member-governed mutualist values, with Madame Laure Carladous serving as President.

Its product portfolio spans core health and prévoyance coverage, the 100% Santé zero-cost offering in audiology, optics, and dental, and a layered service ecosystem including Mieux-Etre Allo Santé assistance, Mon Soutien Psy psychological support, medical-legal protection (Protection Juridique Médicale), teleconsultation, third-party payment (Tiers Payant) network, negotiated care networks (Réseau de soins), and a social fund (Fonds Social). Technology consists of a secure online member portal available 24/7, mobile applications on iOS and Android, and integration with Ameli for reimbursement coordination. Distribution operates through a national physical agency network, a dedicated brokerage platform (courtage-mieuxetre.com), specialized vertical channels, and an online self-serve quote tool.

Revenue is generated through recurring subscription premiums on individual and collective contracts, with pricing varying by demographic and geographic factors. The company employs 51–100 staff, is a member of the Mutualité Française federation, and reports an 88/100 professional equality index for 2023. No revenue figures, funding rounds, M&A activity, or AI capabilities were disclosed in the source material.

Name

Wellness mutual

Legal name

Mutuelle Mieux-Etre

Website

https://mieux-etre.fr

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

101–250 employees

Short description

Mutuelle Mieux-Etre is a French non-profit mutual insurance company founded in 1927, providing complementary health and prévoyance coverage to over 237,000 individuals, professionals, and businesses across France through direct, brokerage, and digital channels.

Ownership category

akta.pro rank

Product category

Complementary Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311)

akta.pro industry

PRIMARYFSAIAEAD

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

SECONDARYHLAEABAJ

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

Healthcare & Life Sciences/Health Insurance & Managed Care/Individual & Family (ACA/Exchange) Health Insurance

SECONDARYFSAIAKAD

Group/Employer-Sponsored Critical Illness & Hospital Indemnity

Financial & Insurance/Insurance — Life & Health/Critical Illness & Hospital Indemnity Insurance

Keywords

• Complementary health insurance
• Provident insurance
• Mutual health plan
• Group health insurance
• Healthcare reimbursement

Headquarters

HQ city

Paris

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, Infrastructure, Others

Revenue model

1. Health insurance premiums: Mutuelle Mieux-Etre generates revenue through member premiums for complementary health insurance coverage. The mutual offers modular solutions with different coverage levels for individuals, professionals, and businesses, including collective contracts for companies (TPE, PME, grandes entreprises). Revenue comes from both individual and employer-sponsored group policies.
2. Providence/Prévoyance premiums: Supplementary pension and contingency insurance products covering risks related to life accidents including falls, fractures, burns, and death. These products provide financial protection for dependents.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Mutuelle Mieux-Etre sells French complementary health insurance (complémentaire santé) and provident insurance (prévoyance) contracts to individuals, professionals, and businesses. Core products include modular health coverage with optical, dental, audiology, and hospitalization benefits, plus income-protection and death/disability coverage under prévoyance. Contracts are bundled with integrated assistance services such as Mieux-Etre Allo Santé, teleconsultation, third-party payment (tiers payant), psychological support (Mon Soutien Psy), and medical-legal protection (Protection Juridique Médicale).

Product overview

Mutuelle Mieux-Etre offers a comprehensive portfolio of health and provident insurance products and services. The core offering consists of Complémentaire Santé (complementary health insurance) and Prévoyance (provident insurance), supplemented by the 100% Santé zero-cost coverage program for audiology, optics, and dental care. The SMBTP sub-brand serves construction professionals specifically. Beyond insurance coverage, the company provides integrated services including assistance (Mieux-Etre Allo Santé), psychological support (Mon Soutien Psy), medical legal protection, third-party payment (Tiers Payant), teleconsultation, healthcare provider networks, prevention programs, and a social fund. This multi-product approach combines traditional insurance reimbursement with service-based support for everyday health management.

Differentiator

Problem solved

Functional benefit

Brands

• SMBTP: A specialized section of Mutuelle Mieux-Etre serving professionals and craftsmen in the construction and building trades sector
• Mieux-Etre Allo Santé
• Esprit'Santé

Products and services

• Complémentaire Santé (Individual Complementary Health Insurance) Modular complementary health insurance for individuals and families that reimburses medical expenses not covered by French Sécurité sociale. Includes optical, dental, audiology, and hospitalization coverage with 100% Santé-compliant options across tiered formulas (Essentiel, Medium, Sérénité, Optimale).
• Esprit'Santé (Complementary Health Insurance) Distinct complémentaire santé formula in the individual product line, positioned alongside the Essentiel/Medium/Sérénité/Optimale tiers as a separate offering for specific member segments.
• Prévoyance (Provident / Income-Protection Insurance) Provident insurance contracts covering income protection, death, and disability (incapacité, invalidité, décès) for individuals and professionals, sold as a standalone line or bundled with health coverage.
• Collective Health Contracts (Contrats Collectifs Entreprises) Group complementary health and prévoyance contracts for companies, structured for TPE, PME, and Grandes entreprises. Provides compliant employee health and welfare benefits, including 100% Santé coverage and cadre/non-cadre prévoyance schemes.
• SMBTP Section (BTP Professional Health & Prévoyance) Dedicated professional section delivering health and prévoyance coverage tailored to BTP craftspeople, contractors, and firms, administered through SMBTP as the recognized representative body for the construction industry.
• Mieux-Etre Allo Santé (Assistance Services) Assistance services packaged with Mutuelle Mieux-Etre contracts, providing members with health information, advisory support, and care-coaching resources.

Quantifiable outcome

• 235,000+ people protected by Mutuelle Mieux-Etre
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Mutualité FrançaisecoreStrategic or Co-development PartnerMutuelle Mieux-Etre is a member ('Adhérente') of the Mutualité Française federation. This affiliation provides access to shared services, collective representation, and the broader mutualist network. The federation supports prevention actions and health promotion through regional branches.
• Healthcare provider networks (Optique, Dental, Audio)coreTechnology or IntegrationMutuelle Mieux-Etre has established care networks with health professionals (opticians, dentists, audiologists) through 'Réseau de soins' agreements. These networks offer members reduced rates and better coverage through negotiated pricing arrangements.
• Mutualité Française BretagneminorStrategic or Co-development PartnerPartnership with Mutualité Française Bretagne for organizing joint prevention webinars and health education events, such as the 'Comprendre et prévenir l'ostéoporose' videoconference.
• Ameli (Assurance Maladie)coreTechnology or IntegrationIntegration with Ameli systems for third-party payment processing and reimbursement coordination. The mutual warns members about Ameli fraud schemes and directs them to official Ameli communication channels.
• AdverisminorImplementation/ SI/ Consulting PartnerWebsite design and development agency: Adveris, 13 rue d'Uzès, 75002 Paris. Responsible for website conception and implementation of www.mieux-etre.fr
• NFrance ConseilminorOthersWebsite hosting provider: NFrance Conseil, 4 rue John Fitzgerald Kennedy, 31000 Toulouse. SIRET 425 052 941 00019 - NAF 6311Z.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Henner: French group specializing in health insurance, prévoyance, and benefits brokerage, particularly for corporate clients and expatriates. Comparable in French health and prévoyance distribution, though with a stronger brokerage/employee benefits orientation.

Direct peers

• Klesia: French mutual group specializing in prévoyance, retirement, and health for employees and enterprises. Comparable in prévoyance focus and group/enterprise contract model, though more focused on prévoyance than health.
• Groupe Vyv: Largest French mutual health group, combining several mutuelles including Harmonie, MGEN, and others. Provides complementary health, prévoyance, and care services through a national footprint — a leading direct peer given the same mutualist model and French market focus.
• MGEN: French mutual health insurer historically serving public-sector employees, now part of Groupe Vyv. Directly comparable in complementary health coverage, mutualist governance, and French-only geographic focus.
• Malakoff Humanis: Major French mutual group formed from the merger of Malakoff Médéric and Humanis, providing health, prévoyance, retirement, and employee benefits. Comparable as a large-scale French mutual with similar product breadth and employer-sponsored offerings.
• Matmut: French mutual insurance group offering health, auto, home, and prévoyance products through a national agency network. Comparable mutualist model and multi-line insurance strategy aimed at individuals and small businesses.
• Harmonie Mutuelle: One of France's largest health mutuelles, offering complementary health, prévoyance, and services to individuals, professionals, and enterprises. Directly comparable to Mutuelle Mieux-Etre in product mix, mutualist structure, and multi-channel distribution.

Broad incumbents

• AXA France: French arm of global insurer AXA, offering health, life, property, and casualty products. Comparable as a major French health insurance provider, but as a broad incumbent with for-profit structure and diversified product portfolio.
• SwissLife France: French subsidiary of Swiss Life, offering life, health, and wealth management products. Comparable as a French health and prévoyance provider with broad portfolio, but as a for-profit insurer rather than mutual.

Emerging players

• Alan: French health insurtech offering modern digital health insurance for individuals and businesses. Comparable on health insurance product category and French market focus, but differentiated by digital-native model and technology-led positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Mut_MieuxEtre
• YouTubeyoutube.com/channel/UC6Q7fc6WRnylFL58FT2ygcg
• LinkedInlinkedin.com/company/mutuelle-mieux-etre

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Wellness mutual