Lamie mutuelle

What Lamie mutuelle does

Lamie mutuelle is a French complementary health insurance company (mutuelle) founded in 1920 and headquartered in Paris, operating under Book II of the French Mutual Code as a member-owned organization. The company serves approximately 40,000 members across multiple specialized customer segments, with particular depth in public sector employees (state civil servants from the Ministries of Education, Justice, and Interior), retired civil servants, seniors aged 50+, families, young adults, French expatriates, self-employed professionals (TNS), and small-to-medium businesses. Its product portfolio consists of segment-specific health insurance plans priced on a monthly subscription basis ranging from €24 (Economique tier for Education Ministry retirees) to €90+ (Optimum tier), with add-on funeral expense coverage (Pack Obsèques) and a specialized ESAT offering for workers with disabilities in sheltered employment establishments.

The company operates a digital-first insurance platform comprising an iOS/Android mobile application, an online member portal (Espace Adhérent), and an enterprise HR management portal (Espace Entreprise RH) for collective contracts. Technical features include a digital third-party payment card, teleconsultation access through partner Santéclair, 48-hour reimbursement processing, and digital accessibility integration via partner Lisio (RGAA compliance, dyslexia/visual impairment support). The revenue model is subscription-recurring monthly premiums on individual and collective contracts, distributed through the company website, mobile app, phone-based inside sales, broker/courtier channels for independents, and enterprise HR portals. A data breach at third-party tiers payant provider almerys was disclosed to members. Governance is led by Jean-Claude Cichocki as Président, with no external investor or parent company identified.

Name

Lamie mutuelle

Legal name

Lamie mutuelle

Website

https://lamie-mutuelle.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

11–50 employees

Short description

Lamie mutuelle is a French complementary health insurer (mutuelle) founded in 1920, serving approximately 40,000 members across public sector employees, retirees, seniors, families, and self-employed professionals through subscription-based health plans delivered via digital and broker channels.

Ownership category

akta.pro rank

Product category

Complementary Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

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

akta.pro secondary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Complementary health insurance
• Mutual health plans
• Civil servant insurance
• Group health coverage
• Senior health insurance

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

Revenue model

1. Health Insurance Premiums: Monthly subscription premiums from individual and collective health insurance contracts. Members pay recurring premiums in exchange for complementary health coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Lamie mutuelle is a French mutual health insurance company offering complementary health insurance plans organized by customer segment (families, young adults, seniors, civil servants, local government employees, retired civil servants, expatriates, self-employed, and businesses). The company provides digital self-service tools including an online member portal, a mobile app with digital third-party payment card, and teleconsultation services via the Santéclair network, while emphasizing simplified enrollment without medical formalities for seniors and reimbursements processed in under 48 hours.

Product overview

Lamie mutuelle is a French health insurance company (mutuelle) offering a comprehensive portfolio of complementary health insurance products organized by customer segment. The core offering consists of specialized health insurance plans for different profiles: individuals (Families, Young adults, Seniors, Expatriates, Self-employed), public sector employees (State civil servants, Local government employees, Retired civil servants including specialized plans for Education Ministry, Justice, and Interior Ministry retirees), businesses (group plans with HR management tools), and disabled workers (ESAT offering). Digital services include an online member portal (Espace Adhérent) for policy management and reimbursements, an HR portal (Espace Entreprise) for business clients, and a mobile application for iOS and Android providing on-the-go access to coverage details and teleconsultation. The company also offers add-on funeral expense coverage (Pack Obsèques) for retirees. All offerings are delivered through their website platform with accessibility features powered by partner Lisio.

Differentiator

Problem solved

Functional benefit

Products and services

• Lamie Senior Health insurance plan designed for individuals aged 50 and over, offering simplified enrollment without medical questionnaires, no age limit for subscription, and included funeral expense coverage starting with the Equilibre formula. Starting from €39 per month.
• Mutuelle Famille Health insurance plan tailored for families, covering parents and children with comprehensive healthcare benefits including dental, optical, and daily healthcare expenses.
• Mutuelle Jeunes Health insurance plan designed for young adults and students, offering affordable coverage for basic healthcare needs.
• Mutuelle Fonctionnaires d'État Health insurance plan specifically designed for French state civil servants, with coverage options tailored to public sector employees.
• Mutuelle Fonctionnaires Territoriaux Health insurance plan for local government employees (territorial civil servants) with coverage adapted to their specific needs.
• Mutuelle Entreprises Group health insurance plan for businesses, providing collective coverage options for employees with administrative management tools including a dedicated HR portal.
• Mutuelle Expatriés Health insurance plan for French citizens living abroad, offering international coverage for healthcare needs outside France.
• Mutuelle Indépendants Health insurance plan for self-employed professionals (travailleurs non-salariés), with options leveraging the Madelin law advantages for tax-deductible coverage.
• Mutuelle Retraités Fonction d'État Health insurance plan for retired state civil servants, including specialized offerings for Education Ministry, Justice, and Interior Ministry retirees.
• FPE Senior Ministère Éducation Nationale

Quantifiable outcome

• 40,000 members trust Lamie mutuelle
• +2 more outcomes

Named customers9 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Erika SauzeaucoreStrategic or Co-development Partner · 1 January 2024Partnership with paralympic bronze medalist (Tokyo 2020 PR3 mixed four). Athlete provides motivational speaking, workplace inclusion training, and brand ambassador services. Lamie provides equipment support and sponsorship for her paralympic rowing career.
• LisiocoreTechnology or IntegrationDigital accessibility partner providing inclusive web experience for users with disabilities, dyslexia, visual impairments, and low-bandwidth connectivity. Implements RGAA compliance and accessibility features.
• Banque Française MutualisteminorStrategic or Co-development PartnerMutual bank partnership offering complementary financial and insurance products to shared members.
• SantéclaircoreTechnology or IntegrationHealthcare network partner providing teleconsultation services and access to healthcare providers within the Lamie network.
• CNP AssurancesminorOthersAdherents benefit from CNP Assurances for mediation services and reinsurance arrangements.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Klesia: French group protection mutuelle serving corporate, civil servant, and retiree segments through collective contracts. Directly comparable to Lamie's enterprise and retired civil servant verticals with similar mutual governance.
• Henner: French independent health and protection specialist focused on group contracts and expatriate coverage. Directly comparable to Lamie's enterprise and expatriate products with similar B2B2C distribution model.
• MGEN: Major French mutuelle historically tied to the Ministry of Education civil servants — directly overlaps Lamie's core FPE Education Nationale vertical. Offers complementary health, prévoyance, and dependent coverage to public sector employees and retirees.
• Harmonie Mutuelle: One of France's largest mutual health insurers, also governed by the Code de la mutualité, offering complementary health insurance to individuals, families, civil servants, and enterprises. Directly competes with Lamie across the same segment portfolio at materially larger scale.
• Malakoff Humanis: French group protection leader offering collective and individual health insurance to public and private sector employees. Directly competes with Lamie's enterprise and civil servant plans while also operating at much larger scale.

Broad incumbents

• AXA France: Incumbent French health and protection insurer operating across all customer segments including civil servants and retirees. Broad incumbent with portfolio overlap, but its scale and brand dwarf Lamie's specialized mutuelle positioning.
• CNP Assurances: Major French insurance group already partnered with Lamie for mediation and reinsurance. As a broad life and health insurance carrier, it competes across Lamie's segments but at materially greater scale.
• SwissLife France: French subsidiary of SwissLife offering individual and collective health, life, and retirement products. Overlaps with Lamie's enterprise and retiree offerings as a broader incumbent.
• April Group: French insurance broker and product designer offering health, prévoyance, and retirement products through a broker/courtier channel. Comparable distribution model to Lamie's courtier channel for independents.

Emerging players

• Alan: French health insurtech offering fully digital complementary health insurance to individuals, freelancers, and SMBs. Competes with Lamie's Jeunes, Indépendants, and Entreprises products via a digital-native UX that pressures Lamie's product velocity.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lamie-mutuelle
• Xx.com/lamiemutuelle

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 Lamie mutuelle