What Groupe VYV does

Groupe VYV is the leading French mutualist (non-profit) health and social protection group, founded in 2016-2017 and headquartered in Paris, operating as an umbrella over four member mutuelles (Harmonie Mutuelle, MGEN, MNT, and MMG) plus two non-insurance subsidiaries. It serves over 10.3 million protected individuals and 186,000 enterprises and entrepreneurs across France, with 48,000 employees (including 36,000 within VYV 3, of which 77% are women and 86% on permanent contracts). The group holds a Fitch A+ credit rating for three consecutive years and self-describes as the "1er acteur mutualiste de santé et de protection sociale" in France.

The group's core operations span three integrated businesses: (1) Insurance and retirement savings, covering health, provident (death/disability/incapacity), retirement savings (PER, assurance vie via UMR – Groupe VYV and the newly acquired Groupe Patrimmofi), dependency, and property coverage; (2) Care and accompaniment via VYV 3, which manages 1,700+ establishments and services including hospitals and clinics (Hospi Grand Ouest), EHPADs, dental centers (VYV Dentaire), optical/auditive centers (Écouter Voir), medical transport (VYV Ambulance, 166 agencies), medical equipment distribution (VYV Équipement Médical, 65 agencies), home care (VYV Domicile), and childcare (VYV Enfance); and (3) Health-focused housing via Groupe Arcade-VYV, housing 402,936 people in Logement Santé-labeled residences. Supporting technology includes the VYV Écoute & Solutions service orchestration platform (300+ staff, 500,000+ calls/year), MesDocteurs telemedicine, and the Écouter Voir Mobile mobile optical/auditive service (50,000 appointments delivered).

The revenue model rests on three recurring streams: insurance premiums distributed via member mutuelles and employer-group contracts, care services funded through Sécurité sociale reimbursements plus accommodation and service fees, and housing rental income. Go-to-market is primarily direct-to-consumer through the mutualist branch network, supplemented by enterprise group contracts and digital self-serve via MesDocteurs. Recent strategic priorities (Impulsions 2030 plan launched 2026) emphasize entering savings/retirement, scaling innovation through the Assist association (co-founded with Caisse des Dépôts in 2021), deploying AI-assisted care tools (Robotonomie robots in EHPADs, co-aidance app), and consolidating sub-brands under the unified VYV umbrella.

Name

Groupe VYV

Legal name

Groupe VYV

Website

https://groupe-vyv.fr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Groupe VYV is the leading French mutualist (non-profit) group providing health and social protection insurance, care and accommodation services, and health-focused housing to over 10 million beneficiaries and 186,000 enterprises across France.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Health and Welfare Funds (525120), Home Health Care Services (621610), Services for the Elderly and Persons with Disabilities (62412), Health Care and Social Assistance (62)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411), Services-Health Services (8000), Services-Offices & Clinics Of Doctors Of Medicine (8011)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industries

Hospital Shared Services, GPOs & System Support Organizations (HLAFAAAO), Primary Care Networks, Groups & MSOs (HLAFAGAE), Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA)

Keywords

• Mutual health insurance
• Care services
• Social protection
• Retirement savings
• Provident insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums (Santé, Prévoyance, Épargne Retraite): Groupe VYV collects recurring insurance premiums from individuals and enterprises covering health insurance, provident insurance (death, disability, incapacity), savings and retirement products (PER, assurance vie, PER individual, PERCollectif, PEE, PERO). The group distributes insurance through its member mutuelles (Harmonie Mutuelle, MGEN, MNT, MMG) and UMR. In 2025, the group launched a savings and retirement product range across three member mutuelles and completed the acquisition of Groupe Patrimmofi, a national wealth management advisory platform.
2. Healthcare and Care Services (VYV 3): VYV 3 operates a network of 1,700 establishments and services across France providing medical care, paramedical services, accommodation for elderly and disabled persons, childcare, dental, optical, auditive, ambulance/transport, medical equipment, and funeral services. Revenue is generated through public healthcare funding (Sécurité sociale, Assurance maladie), accommodation fees, and service charges. VYV 3 reported €312 million in revenue for Pays de la Loire alone. Overall group revenue is stated at €11.6M across 186,000 enterprise and entrepreneur clients.
3. Housing (Groupe Arcade-VYV): Groupe Arcade-VYV develops and manages health-focused housing (Logement Santé), providing residences and accommodation services. It houses 402,936 people. Revenue is generated through rental income and housing-related service charges.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

Groupe VYV is a French mutualist insurance and care services group offering health insurance, provident coverage, retirement savings, and operating a network of 1,700+ care establishments including hospitals, clinics, dental centers, opticians, and home care services. The group also provides housing solutions through its partnership with Groupe Arcade-VYV.

Product overview

Groupe VYV is a French mutualist group comprising three integrated core businesses — insurance and retirement savings (assurance), care and accompaniment (VYV 3), and health-oriented housing (Groupe Arcade-VYV) — distributed through member mutuelles Harmonie Mutuelle, MGEN, MNT, and MMG. The insurance arm offers health, prévoyance (provident/income protection), retirement savings (PER), dependency, and property coverage. VYV 3 operates the group's ~1,700 care establishments and services including hospitals, clinics, EHPADs (care homes), dental centers (VYV Dentaire), visual and hearing care (Ecouter Voir), ambulance transport (VYV Ambulance), medical equipment (VYV Équipement Médical), pharmacies, childcare (VYV Enfance), disability services, and home care (VYV Domicile). Groupe Arcade-VYV develops health-certified housing. Supporting offerings include MesDocteurs (telemedicine), Écouter Voir Mobile (mobile health), VYV Écoute & Solutions (service orchestration), the Prévention Santé + label, the VYV Lab innovation unit, the Observatoire de l'Imprévoyance research body, and the Assist innovation association (co-created with Caisse des Dépôts).

Differentiator

Problem solved

Functional benefit

Brands

• VYV 3: Care and support services network offering medical, paramedical, and social care across over 1,700 establishments
• VYV Dentaire
• VYV Domicile
• VYV Enfance
• VYV Ambulance
• VYV Équipement Médical
• Assist
• Ecouter Voir
• Hospi Grand Ouest

Products and services

• Mutual Health Insurance Comprehensive health insurance coverage for individuals, families, and seniors, providing reimbursement for medical expenses, hospitalization, dental care, optical care, and complementary health services. Products are offered through flagship brands including Harmonie Mutuelle and MGEN.
• Provident Insurance (Prévoyance) Social protection coverage providing income replacement in case of death, disability, or loss of autonomy. Includes life insurance, disability insurance, and dependency coverage for individuals and professionals.
• Retirement Savings (Épargne Retraite) Retirement savings plans and supplemental pension products to help individuals build long-term financial security and prepare for retirement.
• Care & Accompaniment Services (VYV 3) Network of 1,700+ care establishments including hospitals, clinics, dental centers, optician shops, EHPADs (elderly care facilities), and home care services. Operated through VYV 3 with 36,000 employees.
• Housing Solutions (Groupe Arcade-VYV) Affordable housing and senior housing solutions provided through partnership with Groupe Arcade. Serves low-income families, students, and elderly residents seeking affordable accommodation.
• Collective Enterprise Insurance Group health insurance and collective social protection contracts for businesses, including mandatory employer-provided coverage and supplementary employee benefits. Covers 186,000 enterprises and entrepreneurs.

Quantifiable outcome

• 50,000 mobile optical/auditive appointments completed via Écouter Voir Mobile service
• +6 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Groupe PatrimmoficoreStrategic or Co-development Partner · 1 January 2025Groupe VYV completed the acquisition of Groupe Patrimmofi in 2025, a national reference platform for wealth management advisory. This acquisition supports the group's ambition to develop savings and retirement as its third insurance pillar, as outlined in the Impulsions 2030 strategic plan.
• Groupe AlptisminorStrategic or Co-development Partner · 1 January 2025Partnership between UMR – Groupe VYV and Groupe Alptis for the launch of a PER (Pension d'Épargne Retraite) savings product. Alptis diversified into retirement savings through this partnership, with coverage in specialized press.
• France Travail (formerly Pôle Emploi)minorChannel Partner/ Reseller/ Distributor · 1 January 2024VYV 3 partnered with France Travail (ex-Pôle Emploi) to organize open days (Journées Portes Ouvertes) across nearly 100 care establishments in April 2024, to recruit healthcare professionals and promote care sector jobs.
• Various Innovation Laureates (12 projects)minorStrategic or Co-development Partner · 1 January 2023Assist association selected 12 innovative health projects across France in 2023 under the 'Bien bouger pour mieux vivre' (Move well to live better) call for projects, funded at 550,000 euros. Recipients included OCAS Bain-de-Bretagne (sport-health) and Ikambere (health accommodation for women in precarity via Igikali project).
• Caisse des DépôtscoreStrategic or Co-development Partner · 17 March 2021Co-founded the association 'Assist' (Association Innovation, Santé et Territoires) in March 2021 with the Groupe VYV (via VYV 3) and Caisse des Dépôts. The association identifies, supports, and accelerates innovative health projects in French territories. Key projects include mobile health units in medical deserts, connected medical devices in EHPADs, AI robots for elderly care (Robotonomie), and co-aidance apps for cognitively impaired seniors.
• IAE de Paris-Sorbonne Business SchoolminorStrategic or Co-development Partner · 1 January 2021Partnership with IAE de Paris-Sorbonne Business School and the Mutualité Française to deliver the 'Université Militaire' (Militant University) — a 12-day training program over 12 months for new administrators of group mutuelles. First cohort of 12 administrators graduated in 2024 with the 'Certificat d'administrateur de mutuelles de Livre II'.
• Mutualité FrançaisecoreStrategic or Co-development PartnerGroupe VYV is a member of the Mutualité Française, the national federation of mutual insurance organizations. The group participates in its governance, training programs (Université Militaire co-developed), and collective advocacy. Member brands carry the Mutualité Française affiliation.
• Université de BordeauxminorStrategic or Co-development PartnerHealth professionals from MGEN/VYV 3 Bordeaux establishment provide consultations and therapeutic workshops at the Université de Bordeaux, supporting student mental health and maintenance in higher education.
• Éducation Nationale (National Education)minorStrategic or Co-development PartnerMGEN/VYV 3 establishment at Chanay (01) operates an integrated school within its facility, with a convention with Éducation Nationale enabling simultaneous medical follow-up and continued schooling for patients aged 10-18.
• AGEFIPH / FIPHFPminorGTM or Marketing PartnerVYV 3 carries out Specific Support Interventions (Prestations d'Appui Spécifique – PAS) for people with disabilities, financed by AGEFIPH (private sector) and FIPHFP (public sector), supporting insertion and maintenance in employment.
• APSIB (Association pour la Permanence des Soins insulaires)minorStrategic or Co-development PartnerVYV 3 Bretagne, through Apsib, deploys innovative on-call care organization across three islands of Morbihan (Groix, Houat, Houedic). Assist (Caisse des Dépôts/Groupe VYV partnership) financed these island health centers.

Scale indicators20 records

Recent moves11 records

Expansion highlights7 records

Direct peers

• Klesia: French mutualist group providing health, prévoyance, and social protection insurance, with associated care and retirement services. Comparable mutualist governance and French enterprise focus.
• AG2R La Mondiale: French mutualist insurer offering health, prévoyance, savings, and retirement coverage to enterprises and individuals through a federated mutual structure. Direct competitor in the enterprise and individual health market.
• Malakoff Humanis: Major French mutualist group offering health insurance, prévoyance, retirement savings, and care services to enterprises and individuals. Closest analogue to Groupe VYV in mutualist governance and integrated protection-sociale model.
• Pro BTP: Mutualist group providing health, prévoyance, and retirement coverage to construction-sector employees and enterprises. Comparable mutualist model serving a defined professional population.

Broad incumbents

• CNP Assurances: Major French personal insurance group historically tied to La Banque Postale, offering life, health, and savings products. Competes in employer-sponsored group health and retirement savings.
• Crédit Agricole Assurances: Insurance subsidiary of Crédit Agricole, distributing health, life, and savings products via the Crédit Agricole banking network. Competes in the same enterprise and individual markets with a bancassurance model.
• AXA France: French arm of global insurer AXA, offering health, life, and property coverage to individuals and enterprises. Overlaps with Groupe VYV's insurance activities at greater scale but without integrated care delivery.

Emerging players

• Alan: French digital-native health InsurTech offering employer-sponsored health insurance with embedded telemedicine. Competes for the same mid-market enterprise and individual segments Groupe VYV targets via MGEN/Harmonie.
• Ramsay Santé: Leading private hospital operator in France. Comparable in care-delivery footprint and overlap with VYV 3 hospital network, though focused purely on acute care without insurance integration.
• Orpea: European operator of elderly care facilities (EHPADs), clinics, and home-care services. Overlaps with VYV 3's EHPAD, home-care, and rehabilitation activities on the care-delivery side.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/Groupe_VYV
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• LinkedInlinkedin.com/company/groupe-vyv
• Instagraminstagram.com/groupevyv
• TikToktiktok.com/@groupe.vyv?lang=fr

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Groupe VYV