What Amellis Mutuelles does

Amellis Mutuelles is a French mutual insurance company (mutuelle) founded in 1907, headquartered in Saint-Claude in the Jura department, and regulated under the Code de la Mutualité (Livre II) under SIREN 775 597 768. The company protected 51,613 individuals as of December 31, 2024 and operates three physical agencies (Saint-Claude, Champagnole, Lons-le-Saunier) within a national distribution footprint covering virtually all French regions. As a non-profit mutual, Amellis has no external shareholders and reinvests 100% of surpluses for member benefit, offering complementary health insurance (Complémentaire Santé) as its core product to individuals, self-employed professionals (TNS), and corporate clients, alongside add-on products including dependency insurance, prepaid funeral insurance (Garantie Obsèques), hospitalization indemnity (Garantie Hospitalière), and top-up plans (Surcomplémentaire). Differentiated offerings include labeled plans for territorial government employees and specialized coverage for cross-border workers (frontaliers) in Switzerland, Belgium, and Luxembourg.

The company's technical stack centers on third-party platforms: a Kayros-powered online quote and subscription platform, a member portal (gestion.amellis-services.fr) and dedicated iOS/Android mobile applications (Amellis-Services, developed by Ciblemut), teleconsultation integrated via Médaviz, and a national provider network through Kalixia covering 7,100+ optical, 5,600 audio, 6,500 dental, and 500 osteopathy centers with negotiated rates and systematic third-party payment. Through its SSAM (Services de Soins et d'Accompagnement Mutualistes) subsidiary Amellis Mutuelles RSS, the company vertically integrates care delivery via a Centre de Santé Pluridisciplinaire (cardiologists, pulmonologists, general practitioners in three locations), three Ecouter-Voir optical and audio centers, a Téléalarme personal emergency service for seniors, and Amellis Assistance (home medical emergencies, hospitalization support, maternity, oncology, and teleassistance). Enterprise clients additionally access Concilio health diagnostics and Amellis Formation workplace training.

The revenue model is built on recurring monthly and annual insurance premiums across segmented customer cohorts, with no medical questionnaire required for enrollment and lifelong coverage guarantees. Distribution is hybrid: physical agencies, an inside sales phone line (0800 298 756), online self-service via Kayros, broker/intermediary channels for corporate contracts, and embedded distribution through partner platforms (Médaviz, Kalixia). Marketing combines content (blog, webinars on lung cancer, sleep, kidney health, neurodegenerative diseases), community events via Priorité Santé Mutualiste (3935 hotline, nearly 3,000 annual health events), SEO/organic search, and email lead capture. Corporate contracts are bespoke (72-hour CCN-compliant study turnaround), and cross-selling is pursued via add-on products and SSAM service utilization.

Name

Amellis Mutuelles

Legal name

Amellis Mutuelles

Website

https://amellis.fr

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

11–50 employees

Short description

Amellis Mutuelles is a French non-profit mutual health insurer founded in 1907, headquartered in Saint-Claude, Jura, protecting 51,613 individuals with complementary health, dependency, funeral, and hospitalization insurance, plus SSAM care services (optical, audio, health centers) across France.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

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

akta.pro secondary industries

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Guaranteed Issue & Simplified Issue Critical Illness/Hospital Indemnity (FSAIAKAG)

Keywords

• Complementary health insurance
• Mutual insurer services
• Dependency insurance
• Corporate health plans
• Funeral expense insurance

Headquarters

HQ city

Saint-claude

HQ country

France

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Complementary Health Insurance Premiums: Recurring monthly premiums from individual, self-employed (TNS), and corporate group health insurance contracts. Core revenue stream, with pricing tiers based on age, coverage level, and subscriber category. Premiums are the dominant revenue source for this mutual insurance company.
2. Dependency (Dépendance) Insurance: Capital or annuity payments to fund dependency care, with administrative and psychological support. Offered to individuals to finance dependency-related expenses.
3. Funeral Expense Insurance (Garantie Obsèques): Death benefit allocation paid directly to a funeral provider to cover funeral expenses. Offered as a standalone product with three capital amount options. No health questionnaire required for enrollment.
4. Hospitalization Insurance (Garantie Hospitalière): Daily indemnity insurance for hospital stays, paying fixed amounts (€16/€31/€46 per day) regardless of actual expenses. Covers companion bed, travel costs, TV, and phone during hospitalization.
5. Supplements and Top-Up Health Plans: Surcomplémentaire (top-up) health insurance that covers costs not paid by the primary complementary plan. Also includes optical-dental reinforcement add-ons at €4.62+/month.
6. Corporate Provident Fund (Prévoyance Entreprise): Corporate death, disability, and invalidity insurance products offered through partnerships, covering employees in case of work stoppage, invalidity, or death. Revenue shared with partner insurers.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core offering

Amellis Mutuelles is a non-profit mutual health insurer that sells complementary health insurance and ancillary protection products (dependency, funeral, hospitalization indemnity, top-up coverage) to individuals, self-employed professionals, businesses, territorial civil servants, and cross-border workers in France. Distribution combines three physical agencies in the Jura region, a nationwide broker channel for corporate plans, an online Kayros quote platform, a member portal, iOS/Android mobile apps, and embedded services through Médaviz teleconsultation and the Kalixia national provider network.

Product overview

Amellis Mutuelles is a non-profit mutual health insurer founded in 1907, offering a comprehensive suite of complementary and supplementary health insurance products alongside a network of care services. The core product portfolio centers on complementary health insurance (Complémentaire Santé) distributed across distinct customer segments: individuals (Particuliers), self-employed professionals/independent workers (Indépendants/TNS), businesses (Entreprises), seniors, families, young adults, cross-border workers (Frontaliers), and territorial agents. Supplementary products include dependency insurance (Garantie Dépendance), prepaid funeral insurance (Garantie Obsèques), hospitalization indemnity (Garantie Hospitalière), and supplementary top-up plans (Surcomplémentaire Santé). The offering is extended through SSAM (Services de Soins et d'Accompagnement Mutualistes) subsidiaries providing physical care — a multi-disciplinary health center (Centre de Santé Pluridisciplinaire), three optical and audiology centers under the Ecouter-Voir brand, tele-alarm services for seniors (Téléalarme), and an assistance program (Amellis Assistance). Digital access is provided via the member portal (Espace Adhérent) and mobile application (Application Mobile Amellis), with teleconsultation powered by Medaviz and online quotes through Kayros. Enterprise clients additionally access the Concilio health diagnostic tool and Amellis Formation for workplace prevention training.

Differentiator

Problem solved

Functional benefit

Brands

• Kalixia: National network of optical, audio, dental, and osteopathy care providers offering negotiated rates and third-party payment.
• Medaviz
• Amellis Assistance
• Surcomplémentaire

Products and services

• Complémentaire Santé (Complementary Health Insurance)

Quantifiable outcome

• 51,613 people protected as of December 31, 2024
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core, secondary and minor.

• MédavizcoreTechnology or IntegrationMédaviz provides Amellis members with 24/7 teleconsultation access to French-registered physicians across multiple specialties (general medicine, gynecology, psychology, pediatrics, pharmacy, biology) via phone or app. The service is included in Amellis health contracts with 100% coverage. Amellis members activate their account using their member number. Médaviz also provides a second medical opinion service with expert response within 7 days.
• KalixiacoreTechnology or IntegrationKalixia is a national network of healthcare providers (7,100+ optical centers, 5,600 audio centers, 6,500 dental centers, 500 osteopathy centers) offering Amellis members negotiated rates (up to 40% off lenses, 20% off frames, €500 off hearing aids on average) and systematic third-party payment. Providers are selected based on quality charters and regularly audited.
• ConciliosecondaryStrategic or Co-development PartnerConcilio provides a health diagnostic platform for Amellis corporate clients with 50+ employees. The platform includes expert-developed health questionnaires for employees and generates anonymized reports for HR to guide workplace health strategy and reduce absenteeism.
• TutélaireminorGTM or Marketing PartnerTutélaire partners with Amellis to host educational webinars on health topics (e.g., 'Longivité et sommeil: vos nuits font-elles la différence?') targeting Amellis members and prospects. Tutélaire organizes and animates the sessions, with Amellis as the host/brand sponsor.
• Deuxième Avis Médical (deuxiemeavismedical.fr)minorGTM or Marketing PartnerDeuxième Avis Médical organizes expert medical webinars for Amellis on topics including lung cancer and kidney disease, positioning Amellis as a proactive health partner to its members and prospects.
• CiblemutsecondaryTechnology or IntegrationCiblemut (SARL, Antibes) designed and maintains the Amellis website (amellis.fr) and developed the Amellis mobile application (Amellis-Services) published on Google Play and Apple Store. Ciblemut is an insurance software and digital services provider for mutual insurers.
• Mutualité Française (Jura)coreStrategic or Co-development PartnerAmellis is affiliated with the Mutualité Française and participates in its Jura departmental coordination. Through this affiliation, Amellis accesses shared SSAM infrastructure, collective prevention campaigns, and the broader mutualist ecosystem. Amellis RSS (Réalisations Sanitaires et Sociales) specifically coordinates with Mutualité Française Jura on social and healthcare initiatives.
• Fil Assistance (Amellis Assistance)coreTechnology or IntegrationAmellis Assistance provides comprehensive support services to Amellis members including emergency home medical response, unplanned hospitalization assistance, maternity support, home care for immobilized members, loss of autonomy services, teleassistance for isolated seniors (75+, free for 3 months), childcare assistance, oncology support (radiotherapy/chemotherapy), and social/legal information. Available 24/7 via 0810 039 139.
• Amellis Formation (amellisformation.fr)secondaryStrategic or Co-development PartnerAmellis Formation is a dedicated training subsidiary offering corporate clients a catalog of prevention and safety training programs (SSAM service). Trainers are experienced pedagogues delivering sessions in workplace health, safety, and well-being for Amellis's corporate clients.
• Ecouter-VoircoreChannel Partner/ Reseller/ DistributorEcouter-Voir is the mutualist optical and hearing network operated by Amellis RSS, with 3 optical centers (Champagnole, Les Rousses, Saint-Claude) and 2 hearing centers (Champagnole, Les Rousses). Centers offer augmented reality lens try-on, custom frames, home services, and systematic third-party payment.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Henner: Independent French mutual group specializing in complementary health, provident, and dependency coverage for individuals, professionals, and enterprises. Comparable mutualist positioning, mid-scale footprint, and corporate CCN expertise.
• Mutuelle Générale: Historic French complementary health mutuelle (founded 1945) serving individuals, TNS, and enterprises with a similar suite of health, dependency, and provident products. Closely comparable mutualist structure, product taxonomy, and regulatory framework.
• Harmonie Mutuelle (VYV Group): One of France's largest mutual health insurers and member of the VYV mutualist group, offering complementary health, provident, and dependency insurance to individuals and enterprises. Directly comparable product suite, mutualist structure, and French regulatory environment to Amellis, but at materially larger scale.

Regional players

• Klesia: French mutual social protection group focused on health, provident, and retirement for specific professional branches (notably health professionals and social sector employers). Comparable mutualist structure and B2B/B2C health offering with branch-specialized positioning.

Emerging players

• Alan: Digital-first French health insurer offering individual and SME complementary health insurance with mobile-first UX and automated claims. Comparable target customer (TNS and small businesses) but with technology and UX differentiation that threatens incumbent mutuelles like Amellis.

Broad incumbents

• MGEN: Major French mutual health insurer (part of VYV group) covering public-sector employees, educators, and individuals. Comparable mutualist structure and complementary health offering, but at significantly larger scale with broader portfolio including social protection.
• SwissLife France: French arm of SwissLife offering health, provident, retirement, and savings products including complementary health insurance for individuals and enterprises. Comparable corporate health offering and broad portfolio, though not mutualist.
• Malakoff Humanis: Leading French social protection group formed via merger, offering health, provident, retirement, and savings products to enterprises. Comparable corporate health and provident offering to Amellis, with materially greater scale and broker reach.
• AG2R La Mondiale: Major French mutual insurance group covering health, provident, retirement, and savings for individuals and enterprises. Comparable mutualist structure and B2B/B2C dual-segment strategy, though at substantially larger scale.
• AXA Santé (France): French health insurance arm of global insurer AXA, offering complementary health, dependency, and provident products to individuals and enterprises. Comparable product taxonomy but commercially structured (for-profit) rather than mutualist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/amellis-mutuelles

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 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 Amellis Mutuelles