What Acoris Mutuelles does

ACORIS Mutuelles is a regional mutual insurance company governed by Book II of the French Code de la Mutualité, headquartered in Nancy and operating across the Lorraine and Franche-Comté regions of eastern France. The company is a member-owned non-profit entity (SIREN 780 004 099), regulated by the ACPR, and serves three primary customer segments: individuals and families (particuliers), self-employed professionals (indépendants/TNS) including micro-entrepreneurs, and businesses (entreprises) ranging from TPE to large companies and associations. Additional sub-segments include students, cross-border workers commuting to Luxembourg, and territorial government agents. The company reports 100,000+ individual members and 3,840 corporate clients, supported by 19 physical agencies, a telephone platform in Remiremont, and digital channels.

The product portfolio spans complementary health insurance (complémentaire santé) with variants for each segment, provident insurance (prévoyance) covering death, work stoppage, disability, and hospitalization indemnity, retirement savings plans (PER), and ancillary IARD products (home, auto, legal protection, private accident, travel). Distribution combines direct agency sales, telephone service, online quote and subscription via the ALTO platform, and a 2025-launched mobile application with claims submission, reimbursement tracking, and healthcare provider geolocation. A sub-brand called ZenPack targets digital-native customers with low-cost bundled insurance starting at €16/year, and Espace ACORIS operates a coworking facility in Nancy. ACORIS also directly operates a Sanitaire et Social pole comprising three healthcare facilities: Hôtel-Club EHPAD in Saint-Max (112 lodgings, 120 residents), Les Sablons EHPAD in Pulnoy (81 permanent beds plus Alzheimer's protected unit), and Le Château SMR in Baccarat (90 beds in medical rehabilitation, V2020-certified by Haute Autorité de Santé in 2023). Underwriting for several product lines is provided by external partners including Thélém Assurances, UNMI, and GARANCE Retraite.

Revenue mechanics are subscription-based across all product lines, with monthly premiums ranging from €3.15/month (hospitalization indemnity for ages 16-44) to €50/month minimum (PER retirement savings). Pricing varies by coverage level, age band, and geographic zone, with cross-selling of multi-line contracts to both individuals and corporate clients. The mutuelle structure means surpluses are reinvested into member services rather than distributed to external shareholders, and 100% of benefits administration is reported as handled in France. The company publishes annual Solvency II reports (2021-2025) and an ESG report (2025), achieved an 81/100 score on the 2025 Index Égalité Professionnelle, and maintains GDPR compliance with a designated DPO.

Name

Acoris Mutuelles

Legal name

ACORIS Mutuelles

Website

https://acorismutuelles.fr

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

ACORIS Mutuelles is a member-owned French mutual insurance company based in Nancy, providing complementary health, prévoyance, retirement savings, and ancillary insurance products to 100,000+ individuals and 3,840 businesses across Lorraine and Franche-Comté through 19 local agencies and digital channels.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Nursing and Residential Care Facilities (623)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Services-Nursing & Personal Care Facilities (8050), Services-Skilled Nursing Care Facilities (8051)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Complementary health insurance
• Mutual insurance
• Provident insurance
• Retirement savings
• Insurance brokerage

Headquarters

HQ city

Nancy

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly or annual premium contributions from individual members (particuliers), self-employed professionals (indépendants/TNS), and corporate clients (entreprises) for complementary health coverage, provident insurance, and related products.
2. Corporate Health Plans: Collective insurance contracts for businesses providing employee health benefits, with employer and employee contribution structures.
3. Ancillary Insurance Products: Additional insurance products including travel insurance, automobile insurance, home insurance, legal protection, and accident coverage, distributed as add-on or standalone policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Acoris Mutuelles is a regional mutual insurance company operating in Lorraine and Franche-Comté, France, offering complementary health insurance (complémentaire santé), provident coverage (prévoyance), retirement savings plans (PER), and ancillary insurance products including home, auto, travel, legal protection, and funeral insurance. The mutual serves individuals, self-employed professionals (TNS), students, cross-border workers, territorial agents, and businesses through 19 local agencies, a mobile application, and online subscription platforms, and additionally operates three healthcare facilities (EHPADs and a medical rehabilitation center) under its Sanitaire et Social pole.

Product overview

ACORIS Mutuelles is a regional mutual insurance company operating in Lorraine and Franche-Comté, France. The company offers a comprehensive portfolio of health insurance products (complémentaire santé) for individuals, self-employed (TNS), students, cross-border workers, and businesses. Beyond health coverage, the portfolio includes provident insurance, funeral expense coverage, home and auto insurance, legal protection, travel insurance, and accident insurance. The company also operates a digital member services platform via mobile application and manages three healthcare facilities (EHPAD/retirement homes and a rehabilitation center). Products are distributed under multiple sub-brands including ZenPack for digital insurance bundles and through the ACORIS Espace coworking facilities.

Differentiator

Problem solved

Functional benefit

Brands

• Espace ACORIS: Meeting rooms and coworking spaces located rue de la Rotonde near Nancy train station, 800m² facility with 3 modular rooms and 1 fixed room accommodating 19-100 people
• Pôle Sanitaire et Social
• Zenpack

Products and services

• Complémentaire santé actif Health insurance coverage for active individuals, complementing French Social Security reimbursements for everyday healthcare needs including optical, dental, and hearing care.
• Complémentaire santé senior Health insurance designed for seniors, providing enhanced coverage for age-related medical expenses, treatments, and long-term care needs.
• Complémentaire santé frontalière luxembourgeoise Specialized binational health insurance for cross-border workers employed in Luxembourg but residing in France, covering healthcare in both countries from €23.49/month.
• Complémentaire santé agents territoriaux Labelled health insurance for local government employees, offering coverage from €25.14/month with eligible employer financial participation.
• Complémentaire santé étudiant Student health insurance starting at €17.26/month, including sports activity coverage, periodic protection, non-reimbursed contraception, evening return transportation, and 100% Santé dental and optical coverage.
• Complémentaire santé entreprises Collective health insurance for businesses with 4 levels of coverage, integrated 100% Santé benefits, well-being bubble coverage, and child coverage up to age 26.
• Complémentaire santé Indépendant – TNS Health insurance for self-employed workers (TNS), with enhanced reimbursements and Madelin law tax deduction benefits.
• Complémentaire santé micro entrepreneur Flexible health insurance for micro-entrepreneurs, designed to match their activity rhythm and budget.
• Assurance voyage Travel insurance providing international medical coverage, repatriation, and assistance services.
• Assurance voyage étudiant Student travel insurance covering medical expenses, hospitalization, repatriation, and legal assistance worldwide starting at €33/month for EU and €45/month for worldwide.
• Prévoyance obsèques 46-72 ans Funeral expense insurance for ages 46-72 providing up to €3,000 for funeral costs (€6,000 for accidental death), with guaranteed acceptance without health examination, from €7/month.
• Prévoyance professionnelle Professional provident insurance for self-employed covering death, work stoppage, and disability with Madelin law tax benefits.
• Prévoyance indemnités hospitalières Hospital indemnity insurance offering daily payouts of €16, €32 or €48 to cover unexpected expenses during hospitalization, from €3.15/month.
• Plan d'épargne retraite entreprises Corporate employee savings plan enabling retirement preparation with tax advantages.
• Plan épargne retraite indépendants Multi-support retirement savings plan (PER) for self-employed workers with flexible or managed options starting at €50/month minimum contribution.
• Assurance habitation Multi-risk home insurance for tenants, students, and property owners with up to 5 coverage formulas, starting at €7.50/month.
• Assurance automobile Automobile insurance ranging from third-party to comprehensive coverage, including limited mileage options and loyalty discounts.
• Assurance accidents de la vie privée Private life accident insurance (Garantie des Accidents de la Vie) covering domestic accidents, sports injuries, natural disasters, and assaults through 3 formula options.
• Assurance protection juridique Legal protection insurance covering disputes related to consumption, housing, neighbors, employment, and cyber issues up to €20,000, from €6.30/month.
• Indemnités de fin de carrière End-of-career compensation service for businesses to manage employee severance obligations.
• ZenPack Digital insurance bundle including civil liability, individual accident, and worldwide assistance starting at €16/year, targeted at students and travelers.
• Hôtel-Club à Saint-Max Senior residence with 112 accommodations (rooms, studios, apartments) and 120 residents, featuring therapeutic garden and Montessori-inspired care approach.
• Les Sablons à Pulnoy EHPAD with 81 permanent beds, 3 temporary stays, 3 day care spots, and a Protected Unit for Alzheimer's patients.
• Le Château à Baccarat Medical Care and Rehabilitation facility (SMR) with 90 beds specializing in orthopedics and geriatrics, certified V2020 by Haute Autorité de Santé.
• ACORIS Mutuelles Mobile Application Mobile app for policy management, claims submission, reimbursement tracking, partner discounts, and geolocation for finding nearby healthcare providers, serving over 100,000 users.
• Espace ACORIS

Quantifiable outcome

• 100,000+ individuals and 3,840 companies protected
• +2 more outcomes

Named customers10 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered minor.

• SodexominorStrategic or Co-development PartnerPartnership for the 'Mixons mieux, mangez mieux' (Zero Mixé) food quality program at Hôtel-Club EHPAD in Saint-Max, involving chefs, doctors, speech therapists, dentists, and dietitians to improve meals for residents requiring textured food.
• Le Rire MédecinminorOthersCharitable partner for the sponsorship (parrainage) program; ACORIS Mutuelles supports the association through referral program donations while offering sponsors a way to support hospitalized children.
• SMEREP (Société Mutualiste des Étudiants de la Région Parisienne)minorChannel Partner/ Reseller/ DistributorStudent mutual insurance provider distributing student travel insurance products for ACORIS Mutuelles.
• MEP (Mutuelle des Étudiants de Provence)minorChannel Partner/ Reseller/ DistributorStudent mutual insurance provider distributing student travel insurance products for ACORIS Mutuelles.
• Ready To GominorGTM or Marketing PartnerTravel information partner providing practical advice and resources for international students using ACORIS Mutuelles travel insurance.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MGEN: Major French mutual health insurer historically serving the education sector and now open to broader populations. Closely matches Acoris's mutual governance, complementary health focus, prévoyance, and member-owned structure.
• Harmonie Mutuelle: One of France's largest complementary health mutuelles, offering santé, prévoyance, savings, and IARD products to individuals, TNS, and enterprises through a national agency network. Directly comparable mutual business model, product suite, and distribution approach to Acoris Mutuelles.
• AÉSIO Mutuelle: French mutual health insurer with regional anchoring and multi-product offerings (santé, prévoyance, IARD, savings). Comparable to Acoris as a French mutual with regional agency footprint and similar target segments including TNS and enterprises.
• Korian: Major French operator of EHPAD and post-acute care facilities (SMR) including Alzheimer's specialty units. Directly comparable to Acoris's Pôle Sanitaire et Social (Hôtel-Club, Les Sablons, Le Château Baccarat) on the healthcare-facility operations side.

Emerging players

• Alan: French health insurtech offering digital-first complementary health insurance to individuals and SMEs/enterprises. Overlaps with Acoris on TNS and small-business health contracts but competes through mobile UX and self-serve distribution rather than physical agencies.

Broad incumbents

• AG2R La Mondiale: Major French mutual insurance group offering santé, prévoyance, retirement savings, and IARD across all segments. Broader national and corporate footprint than Acoris but overlapping product portfolio and mutual governance model.
• MAIF: French mutual insurer strong in home, auto, and personal lines with growing health offerings. Comparable mutual governance, multi-line insurance model, and member-owned ethos to Acoris but with substantially broader scale and reach.
• Crédit Agricole Assurances: French bancassurer offering complementary health, prévoyance, home, auto, and retirement savings distributed via the Crédit Agricole regional bank network. Overlaps with Acoris on multi-line products and French regional distribution model.
• MACIF: Major French mutual insurer covering health, home, auto, and prévoyance with an agency-based distribution model. Comparable mutual structure and P&C + santé book, though with significantly larger scale and national reach.
• Malakoff Humanis: Leading French mutual group in complementary health and prévoyance for enterprises and individuals. Directly comparable products (santé entreprise, prévoyance collective, PER) with much larger national scale than Acoris.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/AcorisMutuelles

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

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 Acoris Mutuelles