Energie Mutuelle

Name

Energie Mutuelle

Legal name

ENERGIE MUTUELLE

Website

https://energiemutuelle.fr

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Complementary health insurance
• Mutual health coverage
• Group provident insurance
• Healthcare cost management
• Preventive health services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

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 (Cotisations): Energie Mutuelle operates as a non-profit mutual insurance company. Members pay regular subscriptions (cotisations) based on chosen coverage level, personal situation (age, residence, health status). The mutual does not pay dividends to shareholders.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Energie Mutuelle is a French mutual (non-profit) insurance company providing complementary and supplementary health insurance, primarily to employees and retirees of the Industries Electriques et Gazières (IEG) sector and their dependents. The company offers modular coverage levels (CSM, CSM Evin, Sérénité, Mutieg Retraités, Energie, Oxygène, Préférence) covering hospitalization, dental, optical, and audiology expenses, supplemented by digital services (mobile app, enterprise portal, digital third-party payment card) and prevention services such as Mon Bilan Cardio. Contract management has been operated by SIMAX (Groupe Roederer) since July 1, 2025.

Product overview

Energie Mutuelle is a complementary and supplementary health insurance mutual operating under the Roederer Group's SIMAX brand since July 2025. The offering consists of the core Energie Mutuelle insurance products (covering main healthcare expenses with modular guarantees) supported by the EM by SIMAX mobile application and ZenRH enterprise portal. Key services include digital TP cards, Mon Bilan Cardio® cardiovascular prevention, teleconsultation, second medical opinion, and social action support. Insurance plans are differentiated for IEG (Electricity and Gas Industries) members including CSM CCAS, CSM Evin, Sérénité, and Mutieg Retraités, as well as Hors IEG plans for external members. Supplementary add-ons Sodeli and Cort are available to reduce remaining costs. All services are accessible via the online customer area, mobile app, or enterprise portal.

Differentiator

Problem solved

Functional benefit

Brands

• EM by SIMAX: Mobile application for Energie Mutuelle policyholders to access reimbursement services, submit claims, and manage their health insurance.
• ZenRH

Products and services

• Energie Mutuelle Health Insurance (Core) Main complementary and supplementary health insurance mutual providing coverage primarily for persons under the Electricity and Gas Industries (IEG) branch and their dependents. Offers modular guarantees covering main healthcare expenses with customizable options.
• Mutieg Retraités Dedicated health insurance contract for future retirees of IEG (Electricity and Gas Industries), providing customizable coverage with social action fund, assistance and telemedicine services including medical teleconsultation and second medical opinion.
• Sodeli et Cort (Renforts)

Quantifiable outcome

• Reimbursement processing within 24 hours via tele-transmission
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• SIMAX (Groupe Roederer)coreTechnology or Integration · 1 July 2025SIMAX, a brand of Groupe Roederer, became the operational manager of Energie Mutuelle health insurance contracts from July 1, 2025. SIMAX brings 40+ years of expertise in IEG sector and collective insurance management, with ISO 9001:2015 certification. This partnership maintains service quality and equivalent guarantees for members.
• Malakoff HumanisflagshipStrategic or Co-development PartnerMalakoff Humanis is the historical partner of Energie Mutuelle. The mutual operates within the Malakoff Humanis group, serving 10 million insured persons and 375,000 companies. This partnership provides access to negotiated healthcare provider networks (Kalixia), prevention services, and social support programs.
• CAMIEG (Caisse d'Assurance Maladie des IEG)coreStrategic or Co-development PartnerCAMIEG manages the special health insurance regime for Industries Electriques et Gazières. From January 1, 2026, CAMIEG will issue a unified third-party payment card (Carte TP Unique) that replaces cards previously issued by Energie Mutuelle, simplifying member access to healthcare benefits.
• ViamédiscoreTechnology or IntegrationViamédis provides the third-party payment (tiers payant) network enabling 240,000 healthcare professionals in France to accept direct payment from Energie Mutuelle, eliminating upfront costs for policyholders.
• Kalixia Healthcare NetworkscoreTechnology or IntegrationKalixia provides preferred provider networks for optical, dental, and audiology care, offering Energie Mutuelle members access to quality care at negotiated prices through Kalixia Optique, Kalixia Dental, and Kalixia Audio.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Klesia: French social protection group offering group health and provident insurance to enterprises, with strong corporate/employee benefits focus. Directly comparable in target customer (energy and industry employers) and product set (health + prévoyance).
• Harmonie Mutuelle: Leading French health mutuelle serving employers and individuals with supplementary health coverage, group contracts and prevention services. Closely comparable mutual structure, employer-sponsored offerings, and IEG-adjacent member base.
• Malakoff Humanis: Parent/affiliate group providing health and provident insurance to 10M insured persons and 375,000 companies. Operates in the same French group health and individual mutuelle space as Energie Mutuelle and historically administered its contracts.
• Henner: French independent health and prévoyance insurer/broker specialised in group contracts for corporates and affinity groups. Comparable group-health distribution model and TP-network integrations.

Broad incumbents

• SwissLife France: French arm of SwissLife offering health, life and prévoyance insurance, with strong enterprise group health offering. Comparable product mix and employer-sponsored distribution.
• AG2R La Mondiale: Major French insurance group providing health, prévoyance and retirement products to individuals and corporates. Comparable across group health, retirement plans and prevention services, though at much larger scale.
• Groupama: Mutual insurance group offering health, auto and home insurance to individuals and businesses in France. Comparable mutual governance and breadth of health/prevention products.
• MGEN (Groupe VYV): Major French health mutuelle under Groupe VYV offering statutory and supplementary health coverage to public-sector and enterprise groups. Comparable employer-sponsored group health model with mutual governance.

Emerging players

• Alan: French digital-first health insurer focused on SMEs and individual plans with mobile app and digital TP card. Comparable in product (supplementary health) and tech stack, but competing on UX and price rather than IEG specialisation.

Others

• Viamédis (R&S Mutuelle): French tiers-payant network operator that Energie Mutuelle already integrates with (240,000 healthcare professionals). Adjacent/ecosystem enabler rather than a direct competitor, but relevant as a peer in the TP/payment infrastructure layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/energiemutuelle
• LinkedInlinkedin.com/company/energiemutuelle

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Energie Mutuelle