Mutual Resources Assistance

What Mutual Resources Assistance does

Ressources Mutuelles Assistance (RMA) is a French mutualist assistance provider (union d'assistance) founded in 2002, headquartered in Vertou near Nantes, and operating under the regulatory supervision of the ACPR pursuant to Livre II of the Code de la Mutualité. The company delivers a B2B2C suite of assistance and accompaniment services to beneficiaries of 72 mutuelles and other social economy insurer organisms, with a passthrough reach of more than 12 million persons. Its business model is built on subscription/contracted service agreements with mutual insurance companies (largely within the UMG Groupe VYV ecosystem), with services activated through mutuelles' contracted assistance clauses for end beneficiaries. RMA is positioned as the sole mutualist assistance provider in France.

RMA's service portfolio is organized around four pillars: (1) Ecoute, Conseil et Orientation (ECO) — telephone-based listening, advice, and orientation; (2) Assistance — health, international, provident, and funeral assistance; (3) Accompagnement Psycho-Social — long-term psychosocial support delivered by a fully internalized multidisciplinary team (psychologists, social workers, family economic advisors, educators); and (4) Offre de Services — social action, corporate/employee assistance, and legal protection. The Mon@ssistance digital platform (launched 2016, expanded 2021, Argus d'Or 2022) provides beneficiary-facing dossier management, document upload, and Livechat/WebcallBack channels. Service delivery is supported by a curated network of more than 2,500 service providers from the social and solidarity economy (ESS), the only such network of its kind in the French assistance market.

The company employs approximately 180 staff and operates as a non-profit mutualist entity rather than a listed company. As of January 1, 2025, RMA merged with SeniorAdom and the Direction Assistance & Services of Groupe VYV to form VYV Écoute & Solutions, consolidating 20 years of mutualist assistance expertise under a single umbrella entity. RMA has no public-facing API, no disclosed AI/ML capabilities, and no public revenue disclosures; pricing is institutionally negotiated at the B2B contract level.

Name

Mutual Resources Assistance

Legal name

Ressources Mutuelles Assistance

Website

https://ressources-mutuelles-assistance.fr

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

RMA is a French mutualist assistance provider (union d'assistance) offering health, international, provident, and funeral assistance, plus psycho-social accompaniment, to beneficiaries of 72 mutuelles via the UMG Groupe VYV network and a 2,500+ provider ecosystem.

Ownership category

akta.pro rank

Product category

Mutualist Insurance Assistance Services

NAICS

Other Individual and Family Services (624190), Services for the Elderly and Persons with Disabilities (62412), Social Assistance (624)

SIC

Services-Social Services (8300), Services-Misc Health & Allied Services, Nec (8090)

akta.pro primary industry

Financial Assistance & Benefits Navigation Services (BPAGAEAK)

Keywords

• Mutualist assistance services
• Health assistance services
• Psychosocial accompaniment
• Insurance assistance platform
• Caregiver support services

Headquarters

HQ city

Vertou

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Assistance Services to Mutuelles: RMA provides assistance and accompaniment services to beneficiaries of mutuelles and other social economy insurers under contract. Revenue is derived from service contracts with mutuelles (primary clients) and other insurance organizations, covering health assistance, international assistance, provident/prevoyance assistance, funeral assistance, and psycho-social accompaniment services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

RMA (Ressources Mutuelles Assistance) provides assistance and psychosocial accompaniment services to beneficiaries of mutual insurance companies and social economy insurers. Its offering spans four integrated pillars: Ecoute, Conseil et Orientation (ECO); health, international, provident and funeral assistance; long-term psycho-social accompaniment via an internalized multidisciplinary team; and value-added services including social action, corporate employee assistance, and legal protection. Services are delivered through telephone advisers, the Mon@ssistance digital platform, and a network of more than 2,500 service providers from the social and solidarity economy (ESS).

Product overview

RMA operates a unified multi-module service platform organized around four core pillars: (1) Ecoute, Conseil et Orientation (ECO) — active listening, advice, and orientation; (2) Assistance — covering health, international, provident, and funeral assistance; (3) Accompagnement — psycho-social support including caregiver support, disability accompaniment, parenting support, and cancer patient support; and (4) Offre de services — social action, enterprise/employer services, and legal protection. The Mon@ssistance digital platform serves as the unified digital portal for the entire service range, enabling beneficiaries to access information, submit documents, track dossiers, and communicate via Livechat and WebcallBack. Services are delivered by telephone advisers and a multidisciplinary in-house psycho-social team, supported by a network of over 2,500 service providers primarily from the social and solidarity economy sector.

Differentiator

Problem solved

Functional benefit

Brands

• Mon@ssistance: Digital assistance platform enabling beneficiaries to submit documents, track dossier progress, and access services online.

Products and services

• Ecoute, Conseil et Orientation (ECO) Active listening, advisory, and orientation service delivered by telephone advisers through a personalized approach focused on listening, guidance, and orientation for beneficiaries of contracted mutuelles.
• Assistance Santé Health assistance covering support during medical situations, hospitalization, post-operative recovery, and coordination with healthcare and service providers for mutualiste beneficiaries.
• Assistance Internationale International assistance providing support for beneficiaries traveling or residing abroad, including emergency coordination and cross-border medical assistance.
• Assistance Prévoyance Provident/insurance assistance covering support for policyholders facing life events covered by provident insurance products.
• Assistance Obsèques Funeral assistance providing support and coordination for families and beneficiaries dealing with end-of-life arrangements.
• Accompagnement Psycho-Social Internalized psycho-social support department with psychologists, social workers, family economic advisors, specialized educators, and listeners providing long-term accompaniment at key life stages.
• Accompagnement des Aidants Caregiver support services including evaluation, individual accompaniment, and home follow-up for caregivers of elderly or dependent persons, partnering with Assia Réseau UNA for mobile evaluation teams.
• Accompagnement des personnes en situation de Handicap Specialized accompaniment for individuals with disabilities, providing guidance, coordination, and tailored support.
• Accompagnement de la Parentalité Parenting support services helping parents and children navigate family life, including support during challenging periods such as the COVID-19 confinement.
• Accompagnement des patients souffrant d'un Cancer Oncology patient accompaniment providing tailored assistance from disease announcement through treatment protocols, including psychological distress support.
• Offre Action Sociale Social action services providing support for beneficiaries facing social difficulties, coordinated with social services and community resources.
• Offre Entreprise Corporate employee assistance and well-being services including a dedicated listening hotline, psychological and social worker support, and stress management for companies.
• Offre Protection Juridique Legal protection services including medical malpractice legal recourse assistance, providing referrals to specialists and coordination through a single phone number.
• Mon@ssistance Digital assistance platform providing beneficiaries with 24/7 access to assistance information, document submission, dossier tracking, travel attestations, Livechat and WebcallBack channels, and access to health, legal, and aging-well services.

Quantifiable outcome

• Services more than 12 million beneficiaries across 72 mutuelles and other social economy insurer organisms
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Assia Réseau UNAcoreStrategic or Co-development Partner · 19 May 2018RMA responded favorably to Assia Réseau UNA's grant request for its project to create a Mobile Team for Caregiver Support and Assistance at Home. The experimental program provides caregivers of elderly persons with assessment, accompaniment, and ongoing individual follow-up at their homes across Rennes Métropole. The mobile team comprises a coordinator-evaluator and a psychologist.
• Groupe VYVcoreStrategic or Co-development PartnerRMA is part of the UMG VYV group and the Direction Assistance & Services. From January 1, 2025, RMA, SeniorAdom, and the Direction Assistance & Services of Groupe VYV are merging into VYV Écoute & Solutions, uniting 20 years of expertise in listening, assistance, and services from founding entities under one umbrella.
• Collectif Je t'AideminorStrategic or Co-development PartnerRMA participates in the 'Je t'Aide' collective advocating for caregivers. RMA provides a dedicated phone line during National Caregiver Day (Journée Nationale des Aidants) staffed by psycho-social professionals. The collective published its first plaidoyer on caregiver health in 2018.
• FNMF (Fédération Nationale de la Mutualité Française)minorStrategic or Co-development PartnerRMA participates in FNMF congresses as an exhibitor and innovator. At the 42nd FNMF Congress in Montpellier (June 2018), RMA exhibited with its new visual identity and participated in the Innovathon competition, winning first prize.
• AGEFIPHminorStrategic or Co-development PartnerRMA became an 'activateur de progrès' for Employment & Disability in partnership with AGEFIPH during the European Week for Employment of People with Disabilities (SEEPH), demonstrating commitment to disability employment policies.
• Harmonie MutuelleminorStrategic or Co-development PartnerHarmonie Mutuelle provides a 'kit clé en main' communication package for companies implementing RMA's return-to-work accompaniment service, including posters, flyers, and emailings with explanatory video. Annual service reports are shared with employers.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• International SOS: Global leader in medical and security assistance services for international travelers and expatriates. Comparable to RMA's Assistance Internationale offering, with stronger international footprint and corporate client base.
• Henner: French group specializing in health insurance and assistance services for international and corporate clients. Comparable to RMA in health assistance capabilities and focus on accompaniment services, with stronger international mobility expertise.
• Europ Assistance: French-headquartered global assistance company providing travel, health, and home assistance services to insurers and corporations. Directly comparable to RMA in core assistance offerings (health, international, prévoyance) but operates at much larger scale and broader geographic footprint as a commercial (non-mutualist) provider.
• Allianz Partners (formerly AXA Assistance): Major global B2B2C assistance provider offering health, travel, and lifestyle assistance services to insurance carriers. Directly competes with RMA in serving mutual and commercial insurance clients across France and Europe, with substantially greater scale and technology investment.
• Mutuaide Assistance: French assistance provider subsidiary of Crédit Agricole Assurances, serving banking and insurance clients with travel, health, and home assistance. Directly comparable to RMA as a France-based B2B assistance provider for major insurance distribution networks.
• SPB: French group providing assistance and warranty extension services to retailers, insurers, and manufacturers. Comparable to RMA in assistance service delivery to institutional clients, with a different focus on consumer product warranties and household equipment.
• Filassistance: French assistance provider offering health, daily life, and death-benefit assistance services to insurance and banking partners. Closely comparable to RMA in offering structure and target client base of insurance and mutual insurance organizations.
• April Assistance: French insurance broker group with dedicated assistance operations serving brokers and their clients. Comparable to RMA in providing health and prévoyance assistance, with a different go-to-market focused on brokers rather than mutual insurers.

Emerging players

• CEGEMA: French assistance operator providing health and prévoyance assistance services. Comparable to RMA in service scope but as a smaller player with limited geographic reach outside France.
• Garantie Assistance: French assistance provider offering travel, health, and home assistance to insurance partners. Comparable to RMA in core service offerings but operates at smaller scale with narrower client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCoyf1EiWG3CqzRtUUte-_1w
• Facebookfacebook.com/RMA-Ressources-Mutuelles-Assistance-1423243564460305
• LinkedInlinkedin.com/company/rma-ressources-mutuelles-assistance
• Xx.com/sebastienelatri

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Mutual Resources Assistance