What CCMO Mutuelle does

CCMO Mutuelle is a French mutual health and provident insurance company headquartered in Beauvais, Hauts-de-France, operating under Livre II of the French Code de la mutualité (SIREN 780 508 073) since its ministerial approval in 2003 (with origins tracing to 1943). The company delivers complementary health insurance (mutuelle santé) covering optical, dental, audiology (including 100% Santé reform compliance since January 2020), hospitalization, and medical consultations, alongside provident insurance (prévoyance) addressing invalidity, incapacity, dependency, and death. Its portfolio is organized by life stage and persona — Let's Go Santé (young adults), Mutuelle santé familles, Zeni'Or (seniors), EVOLIS SANTÉ (self-employed), and PROTECT'ELLE (women's health) — with a Complémentaire Santé Solidaire (CSS) product for low-income individuals.

The technology stack consists of standard mutual insurance management systems, three secure extranet portals (Espace Adhérent, Espace Professionnel de Santé, Espace Correspondant), a mobile app, and an online quote platform (tarifenligne.ccmo.fr). Value-added services are delivered through third-party partnerships: Medaviz for teleconsultation (since end of 2018), Deuxiemeavis.fr for second medical opinion (since April 2025), and iAdvize for live chat. Distribution combines regional agency locations in Beauvais and Amiens (the latter inaugurated October 2023 as the first phygital agency), telephone advisory, online self-serve, dedicated enterprise sales, and an insurance broker channel via EVOLIS SANTÉ launched in September 2023.

CCMO Mutuelle employs 180-200 staff and generates revenue through subscription-based recurring monthly premiums paid by individual members, professionals, and enterprise/collectivity contracts. Recent corporate moves include the launch of Libr'Action, a wholly-owned prevention subsidiary (December 4, 2024), the appointment of Marc Raymond as Director General (April 28, 2025), and the election of François de Labarthe as President (December 17, 2025), reflecting active organizational renewal. The company is ACPR-supervised and affiliated with the Fédération Nationale de la Mutualité Française, with regional Hauts-de-France roots and national activity.

Name

CCMO Mutuelle

Legal name

CCMO Mutuelle

Website

https://ccmo.fr

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

101–250 employees

Short description

French regional mutual health and provident insurance company (Hauts-de-France), serving individuals, independent professionals, enterprises, and brokers with subscription-based coverage and prevention services.

Ownership category

akta.pro rank

Product category

Complementary Health Insurance

NAICS

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

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

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

Keywords

• Complementary health insurance
• Provident insurance products
• Mutual health coverage
• Income protection insurance
• Group health insurance

Headquarters

HQ city

Beauvais

HQ country

France

HQ region

Europe

Offices4 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: CCMO Mutuelle generates revenue through subscription-based health insurance premiums paid by individuals, independent professionals, and businesses for complementary health coverage and reimbursement of medical expenses
2. Providence/Prévoyance Insurance: Revenue from prévoyance insurance products covering risks not handled by the French Social Security system including invalidity, incapacity, dependency and death. These products provide income replacement when insured persons are temporarily or permanently unable to work

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

CCMO Mutuelle is a French mutual insurance company providing complementary health insurance (mutuelle santé) and provident insurance (prévoyance) to individuals, self-employed professionals, territorial agents, businesses, local authorities, and associations. Core offerings include health coverage for medical, optical, dental, and audiology expenses, plus income protection against invalidity, incapacity, dependency, and death. The company also delivers value-added services such as teleconsultation, second medical opinion, and a 100% Santé zero out-of-pocket option.

Product overview

CCMO Mutuelle is a regional health and provident insurance mutual operating in Hauts-de-France. Its product portfolio centers on core health insurance (mutuelle santé) and prévoyance (provident insurance) offerings, organized across customer segments including young adults, families, seniors, self-employed professionals, territorial employees, and businesses. Key sub-brands include Let's Go Santé and Zeni'Or (award-winning senior products), while EVOLIS SANTÉ targets insurance brokers. The company enhances its core offerings with value-added services including téléconsultation (via Medaviz), deuxième avis médical (via Deuxiemeavis.fr), and prevention initiatives such as Libr'Action and the annual Tour Essentiel mobile health bus. Digital services are delivered through dedicated member portals (Espace Adhérent, Espace Professionnel de Santé, and Espace Correspondant), while the 100% Santé reform is applied across optical, dental, and audiology coverage.

Differentiator

Problem solved

Functional benefit

Brands

• PROTECT'ELLE: Health insurance product dedicated to women, covering cancer prevention and treatment support.
• Let's Go Santé
• Zeni'Or
• Zenior
• Zenior Zenior
• Zenior Zeni'Or
• Tour Essentiel
• Santé mentale au travail
• Libr'Action
• Evialis Santé
• Evolis Santé

Products and services

• Mutuelle santé jeunes (Let's Go Santé)
• Mutuelle santé familles
• Mutuelle santé seniors (Zeni'Or)
• Mutuelle professionnels indépendants (EVOLIS SANTÉ / Evialis Santé)
• Mutuelle agents territoriaux
• Mutuelle entreprise, collectivité ou association
• Prévoyance CCMO
• Gamme EVOLIS SANTÉ
• Complémentaire Santé Solidaire (CSS)
• PROTECT'ELLE
• Téléconsultation médicale
• Deuxième Avis Médical
• Tour Essentiel

Quantifiable outcome

• 100% reimbursement of 100% Santé basket items (optical, dental, audiology) since January 2020
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Association Perspectives contre le cancerminorStrategic or Co-development Partner · 1 March 2026Partnership for colorectal cancer awareness campaign (Mars Bleu). Association collaborates with CCMO to organize free prevention actions including giant colon exhibition to raise awareness about colorectal cancer screening.
• Deuxiemeavis.frcoreTechnology or Integration · 1 April 2025Partnership to provide second medical opinion service to CCMO Mutuelle members. This service is now included in health insurance guarantees for CCMO policyholders, allowing access to specialist medical opinions for complex health situations.
• Libr'ActioncoreStrategic or Co-development Partner · 1 December 2024Subsidiary entity of CCMO Group dedicated to health prevention. Official launch December 2024, mission to promote health and well-being through global preventive approach. Implements prevention plan communication, creates prevention content and supports, coordinates prevention actions.
• Institut des Premiers Secours and Croix-Rouge FrançaiseminorStrategic or Co-development Partner · 1 March 2024Partnership for first aid training workshops for young parents, teaching infant and child first aid techniques. Workshops organized in CCMO agencies.
• MedavizcoreTechnology or Integration · 1 January 2018Partnership for teleconsultation medical service launched end of 2018. Service enables members to consult a doctor by phone in under 3 minutes. Usage doubled during COVID-19 pandemic.
• PresstanceminorGTM or Marketing PartnerPress relations agency serving as CCMO Mutuelle's contact for media inquiries and communications.
• AGRICA GroupminorOthersCCMO handles claims management for AGRICA group policyholders. AGRICA delegates management of certain dossiers to CCMO.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Henner: French group health-insurer with a strong broker and corporate distribution model for complementary health and prévoyance. Directly comparable broker-led go-to-market that mirrors CCMO's EVOLIS SANTÉ channel and enterprise/collectivité targeting.
• MGEN: Major French mutual health insurer historically serving education-sector personnel, now offering broader health, prévoyance, and dependency cover. Comparable Livre II mutualist governance, complementary health focus, and FNMF affiliation, with a much larger national member base.
• AG2R La Mondiale: French mutual group offering health, prévoyance, savings, and retirement products with strong presence in enterprise and territorial-agent segments. Comparable mutualist governance, similar dual santé/prévoyance positioning, and overlapping enterprise distribution model.
• Harmonie Mutuelle: One of France's largest complementary health mutuelles, offering health and prévoyance cover to individuals, professionals, and enterprises. Directly comparable mutualist model, multi-segment product portfolio, and ACPR-supervised governance, but at materially larger national scale than CCMO.
• Malakoff Humanis: Large French mutual group providing complementary health, prévoyance, and retirement products to enterprises and individuals. Directly comparable in offering combined santé/prévoyance cover and in targeting the enterprise/collectivité segment that CCMO serves via Mutuelle entreprise.
• La Mutuelle Générale: French complementary health mutuelle serving individuals, professionals, and enterprises nationally. Directly comparable in core health-insurance mutuelle offering, multi-channel distribution, and enterprise/collectivité focus, though with broader national reach.

Broad incumbents

• AXA France: Broad French incumbent insurer offering health, prévoyance, auto, home, and life products at national scale. Comparable in offering complementary health and prévoyance to individuals, professionals, and enterprises, but as part of a much wider portfolio rather than a mutual-only mutualist niche.
• Groupe VYV: Leading French mutualist group combining complementary health, prévoyance, and care services (clinics, optical, hearing) — including Harmonie Mutuelle. Comparable mutualist philosophy, complementary santé/prévoyance core, but operates at national scale with integrated care-delivery assets CCMO cannot match.
• SwissLife France: French arm of a European insurance group offering complementary health, prévoyance, life, and savings products with strong bancassurance and broker distribution. Comparable in the health/prévoyance component and broker-led sales motion overlapping with CCMO's EVOLIS SANTÉ channel.

Emerging players

• Alan: French digital-first health insurer offering complementary health cover, teleconsultation, and second medical opinion — directly addressing the same jeunes/professionnels segments as CCMO's Let's Go Santé and Evolis Santé ranges. Differentiates on a streamlined mobile UX versus CCMO's mutualist+agency model.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CCMOMutuelle
• LinkedInlinkedin.com/company/ccmo-mutuelle
• Facebookfacebook.com/CCMOMutuelleBeauvais

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 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 CCMO Mutuelle