CNM Prévoyance Santé

What CNM Prévoyance Santé does

Mutélios is a French non-profit mutual health insurance association (mutuelle) governed by elected volunteer policyholders, formed through the merger of CNM Santé and MFIF. The company provides complementary and sur-complementary health insurance covering medical expenses not reimbursed by France's Sécurité Sociale, including consultations, medications, hospitalization, dental care (prosthetics and orthodontics), optical, and hearing aids. Coverage spans from birth to age 110, with customizable guarantee levels. In partnership with specialized service providers, Mutélios also distributes individual and collective prévoyance solutions addressing maternity, hospitalization, immobilization, and intensive treatment scenarios.

Mutélios operates a digital-first distribution model with no physical branch network. Members access services 24/7 through the mutelios.com website (online quoting in 30 seconds, anonymous quote option, 24/7 sign-up) and the Mon Appli CNM Prévoyance Santé mobile application on iOS and Android, which supports reimbursement submissions, cost coverage requests, and advisor communication. Human support is delivered by Paris-based mutualist advisors reachable via phone, email, and correspondence. Core operational integrations include Viamedis for third-party payer (tiers payant) settlement directly with healthcare providers, and a social assistance program (Action Sociale Mutuelle) supporting vulnerable members.

The customer base is horizontally segmented across multiple personas and business units: young professionals and students, families, seniors, enterprises (mandatory employer-provided coverage under collective agreements), self-employed professionals under the Madelin law, associations, territorial civil servants, and military personnel and veterans under the Military Pensions Code. Revenue is generated through subscription-based recurring monthly health insurance premiums (cotisations); pricing is quote-based and not publicly disclosed, with a promotional offer of one month free (the 12th month) for new subscribers valid through mid-2026. Marketing relies on educational blog content, Facebook, YouTube, and email newsletters as top- and mid-funnel channels.

Name

CNM Prévoyance Santé

Legal name

Mutélios

Website

https://cnmsante.fr

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

Mutélios (CNM Prévoyance Santé) is a French non-profit mutual health insurer offering complementary and sur-complementary health coverage from birth to age 110, distributed digitally to individuals, families, seniors, enterprises, self-employed, associations, civil servants, and military personnel across France.

Ownership category

akta.pro rank

Product category

Complementary Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Services-Health Services (8000)

akta.pro primary industry

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

akta.pro secondary industry

Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

Keywords

• Complementary health insurance
• Mutual health insurance
• Over-complementary health coverage
• Provident insurance solutions
• Third-party healthcare payment

Headquarters

HQ city

Paris

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, Others

Revenue model

1. Health Insurance Premiums (Cotisations): Subscription-based health insurance premiums charged to members for complementary and surcomplementary health coverage. Coverage spans from 0 to 110 years of age.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Mutélios is a non-profit French mutual health insurance association that sells complementary and over-complementary health insurance (mutuelle santé) plus individual and collective provident insurance, covering medical expenses not reimbursed by France's Sécurité Sociale (consultations, hospitalization, dental, optical, hearing aids, and alternative medicine). Coverage spans from 0 to 110 years and is distributed digitally through a website, online quote engine, member portal, and iOS/Android app, with personalized advisor support from Paris.

Product overview

Mutélios (formed from the merger of CNM Santé and MFIF) operates as a non-profit mutual health insurance association governed by elected volunteer members. The product portfolio centers on a tiered health insurance offering: the core Complémentaire Santé provides supplementary coverage complementing France's national Sécurité Sociale, while the Surcomplémentaire Santé offers higher-tier coverage for expenses excluded from primary plans. The Prévoyance Individuale et Collective line addresses provident/insurance needs in partnership with specialized providers. These core products are distributed through a digital-first model via a member mobile application and online portal (Mon Application/Mon espace personnel), supported by services including online quote generation (Devis en Ligne), third-party payment (Tiers Payant via Viamedis network), and social assistance programs. Coverage spans from birth to 110 years, serving distinct segments including individuals, professionals, enterprises, associations, civil servants, and military personnel, with customizable guarantee levels.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutuelle Complémentaire Santé

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Two partnerships are on record, tiered core.

• ViamediscoreTechnology or IntegrationViamedis is a third-party payer platform partner enabling healthcare providers to process direct payments with Mutélios. Health professionals can request coverage authorization and become partners through the Viamedis network.
• Specialized Service Providers (Prestataires Spécialisés)coreStrategic or Co-development PartnerMutélios partners with specialized service providers to offer individual and collective prévoyance (insurance) solutions alongside health complementary coverage. These partnerships extend the service offering beyond core health insurance.

Recent moves6 records

Expansion highlights5 records

Direct peers

• MGEN: Leading French health mutuelle historically serving civil servants and education sector. Directly comparable on mutual governance, complementary health products, and public-sector segment focus (fonctionnaires).
• Henner: French group specializing in health, prévoyance, and retirement benefits, notably serving enterprises and international/expat segments. Comparable on complémentaire santé and prévoyance collective product mix.
• Malakoff Humanis: Major French group health/prévoyance insurer serving enterprises and individuals. Comparable in complementary health, prévoyance individuelle/collective, and mandated ANI employer offerings.
• Harmonie Mutuelle (Vyv): Largest French health mutuelle with multi-million member base; offers complementary and surcomplémentaire health insurance plus prévoyance. Direct overlap with Mutélios in product, target segments, and digital distribution trajectory.
• Aésio Mutuelle: French mutuelle formed via merger (Adréa, Apréva, Eovi-Mcd) offering individual/enterprise complementary health and prévoyance. Comparable multi-segment mutual model and post-merger consolidation pattern.
• April Group: French health and prévoyance insurance specialist distributing via brokers and direct channels. Closely comparable on complémentaire santé, prévoyance individuelle/collective, and self-employed (TNS/Madelin) targeting.

Broad incumbents

• AXA France: Largest French insurer offering individual and group complementary health, prévoyance, and broader P&C/life lines. Overlaps Mutélios on complementary health for particuliers and entreprises but operates at much broader portfolio scale.
• SwissLife France: Major French life/health insurer with complementary health, prévoyance, and savings. Comparable enterprise and individual health offerings; broader product portfolio and stronger brand.
• Covéa (Mutuelle Générale): French mutual insurance group combining MMA, MAAF, GMF and Mutuelle Générale; offers complementary health and prévoyance. Comparable mutual structure and multi-segment distribution including particuliers and entreprises.

Emerging players

• Alan: Digital-first French health insurer targeting individuals and SMEs. Comparable on digital UX and direct-to-consumer distribution model, though Alan is venture-backed and proprietary-tech rather than mutual.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCpygpX-ydnh0_3UmRLtmNIw/videos?view_as=subscriber
• Facebookfacebook.com/mutelios

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 CNM Prévoyance Santé