Groupe Solimut Mutuelles de France

What Groupe Solimut Mutuelles de France does

Groupe Solimut Mutuelles de France is a French non-profit mutual health insurance company operating under the Code de la mutualité and within the Économie Sociale et Solidaire framework. Headquartered in Montreuil and employing 101-250 staff, the company delivers health, provident, and supplementary insurance products to a broad membership spanning individuals, families, students, young workers, seniors, micro-enterprises, SMEs, independents, artisans, merchants, associations, territorial and hospital civil servants, and specialized cohorts such as electricity and gas industry (IEG) retirees and high-risk trade (CSMR) workers. As a mutuelle it has no shareholders, pays no dividends, and reinvests surpluses into member services.

The product portfolio is organized into three layers: core health contracts (Mutuelle Particulier, Senior, Familiale, Jeune, Étudiant, TPE, PME, Pro, Indépendant, Artisan, Commerçant, Fonction Publique Territoriale/Hospitalière, Communale, Association, plus IEG/CSMR/IDCP specialized offerings), provident/insurance products (Prévoyance Particulier, Entreprise, Indépendant, Fonction Publique, Accidents), and partner-distributed supplementary cover (auto and habitation via MFA). Member services include 24/7 teleconsultation through Medaviz, assistance via IMA Assurances, accessibility support via ACCEO, the Résau de Soins Mutualiste provider network with no advance payment and no excess fees, prevention campaigns, and the new Attitude Prévoyance promotional range effective January 1, 2026.

The business model is subscription-based recurring revenue from membership fees across health and provident lines, supplemented by commission/affiliate revenue from partner products (auto, habitation). Distribution combines 60+ physical agencies and reception points across metropolitan France, 21 Comités d'Animation Mutualiste (CAM) with elected representatives, an in-house telephone platform, the Espace Adhérent online portal, and the Solimut mobile app, supported by content marketing via the Solimag blog, event sponsorships, national prevention campaigns, and a parrainage referral program that channels donations to Secours Populaire Français and SOS MÉDITERRANÉE.

Name

Groupe Solimut Mutuelles de France

Legal name

Solimut Mutuelle de France

Website

https://solimut.fr

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Groupe Solimut Mutuelles de France is a French non-profit mutual health insurance company offering health, provident, and partner-distributed insurance products to individuals, families, professionals, public sector employees, associations, and specialized cohorts across metropolitan France via 60+ agencies, digital platforms, and community committees.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)

SIC

Insurance Carriers, Nec (6399), Services-Health Services (8000)

akta.pro primary industry

Managed Care / Network-Based Group Health Plans (Carrier Network Products) (FSAIAFAO)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Mutual health insurance
• Supplementary health coverage
• Provident insurance products
• Teleconsultation services
• Non-profit mutual insurer

Headquarters

HQ city

Montreuil

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Subscriptions: Core revenue from individual and collective health insurance membership fees. Subscription-based recurring revenue model serving individuals, families, seniors, employees, public sector workers, and associations.
2. Providence/Insurance Products: Supplementary insurance products including accident coverage, with offerings for sport practitioners and general prévoyance (death/disability/income protection).
3. Partner Insurance Products: Commission-based revenue from partner insurance products (auto via MFA, habitation via MFA) offered as part of comprehensive member coverage.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Groupe Solimut Mutuelles de France is a French non-profit mutual insurance group that underwrites and distributes supplementary health insurance contracts (mutuelle santé) for individuals, families, employees of very small and small/medium businesses (TPE/PME), public-sector personnel, and associations, alongside provident insurance and partner-distributed auto and home coverage. The group bundles policy coverage with prevention services, teleconsultation through Medaviz, and access to a partner healthcare provider network offering third-party payment, delivered via 60+ physical agencies, 21 local mutual committees, an online portal, and a mobile app.

Product overview

Groupe Solimut Mutuelles de France operates as a non-profit mutual insurance company in the French Social and Solidarity Economy (Économie Sociale et Solidaire). The company offers a comprehensive health insurance portfolio spanning individual products (Particulier, Senior, Familiale, Jeune, Étudiant), professional segments (TPE, PME, Pro, Indépendant, Artisan, Commerçant), and public sector offerings (Fonction Publique Territoriale, Hospitalière, Communale, Association). Core health coverage is supplemented by provident/insurance products (Prévoyance) for individuals, businesses, self-employed, and civil servants, plus accident coverage for sports activities. The company provides supplementary insurance offerings through partners: auto and habitation insurance via MFA, and telemedicine services via Medaviz. Digital member services include an online portal and mobile app for 24/7 access to reimbursements and documents, complemented by accessibility services (ACCEO) and a network of care providers. Prevention services round out the offering with health awareness campaigns and free workshops.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutuelle santé particuliers

Quantifiable outcome

• 50% of members recommend Solimut Mutuelle de France services

Named customers3 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

Integration4 records

Partnerships

Five partnerships are on record, tiered core, supporting and minor.

• MFA (Mutuelle FAB)coreChannel Partner/ Reseller/ DistributorMFA is a partner for auto and habitation insurance products offered to Solimut members. Provides 10% discount on auto insurance (cars, motorcycles, camper vans) for Solimut members.
• MedavizcoreTechnology or IntegrationTelemedicine service integration providing 24/7 doctor consultation by phone without appointment for all health beneficiaries. Service is fully covered by the mutual insurance.
• IMA AssurancessupportingTechnology or IntegrationAssistance services partner providing insurance support services to Solimut members.
• Secours Populaire FrançaisminorStrategic or Co-development PartnerCharitable organization receiving donations through Solimut's referral program. Donations are made equally between Secours Populaire Français and SOS MÉDITERRANÉE for each successful referral.
• SOS MÉDITERRANÉEminorStrategic or Co-development PartnerMarine rescue charity receiving equal donations from Solimut's referral program alongside Secours Populaire Français.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA France: Largest French insurer offering individual and group health alongside life and P&C. Comparable to Solimut's group health and individual health lines but as part of a much larger commercial portfolio.
• SwissLife France: French life and health insurer with strong position in individual and group health/provident. Overlaps with Solimut on health, death/disability Prévoyance, and senior segments.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole distributing health, provident, and life products through the bank's network. Comparable in individual and group health coverage, distributed through bank/partner channels similar to Solimut's partner distribution.
• Groupama: Large French mutual insurance group offering health alongside property, auto, and life products. Comparable to Solimut's mutuelle-and-provident model but with a broader, multi-line portfolio and stronger brand.

Emerging players

• Alan: French health insurtech offering individual and SME health insurance with a digital-first platform. Targets the same individual and small business segments as Solimut's Mutuelle Particulier and Mutuelle TPE, with a contrasting tech-native delivery model.

Direct peers

• MGEN: Major French mutuelle providing health, provident, and dependency coverage with strong positions in public sector and education — directly overlapping with Solimut's Fonction Publique Territoriale/Hospitalière and communale lines.
• Henner: Independent French specialist in group health and provident insurance for corporates and expatriates. Comparable to Solimut's enterprise and SME-facing group contracts and complementary provident products.
• Malakoff Humanis: French mutual group combining health and provident insurance for individuals and corporates, with deep employer-sponsored group coverage. Comparable to Solimut on group health, Prévoyance, and SME segments.
• Harmonie Mutuelle: One of France's largest mutual health insurers serving individuals, professionals, and enterprises under the same Code de la mutualité framework. Closely comparable to Solimut on mutualist positioning, multi-segment offering, and group health coverage.
• AÉSIO Mutuelle: Mutual health insurer created from the merger of several French mutuelles, serving individuals, professionals, and associations under a mutualist model — direct overlap with Solimut's Mutuelle Association and individual health product range.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@SolimutMutuelle
• Facebookfacebook.com/SolimutMutuelle
• LinkedInlinkedin.com/company/solimut-mutuelle-de-france

Revenue estimate

Valuation estimate

Number of profiles

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 Groupe Solimut Mutuelles de France