Aéma Group
Aéma Group is a French mutual insurance group (SGAM) unifying AÉSIO mutuelle, Macif, Abeille Assurances and Ofi Invest to provide property, health, savings-retirement and asset management protection to roughly one in six French people.
- Company typePrivate
- Founded2021
- HeadquartersParis, France
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
What Aéma Group does
Aéma Group is a French mutual insurance group (Société de Groupe d'Assurance Mutuelle, or SGAM) headquartered in Issy-Les-Moulineaux, France, and founded in 2021 through the consolidation of multiple established mutualist insurance brands. It operates as a multimarques, multiréseaux et multimétiers platform, delivering property and casualty, health and prévoyance, savings and retirement, and asset management products and services to individual French customers and members (sociétaires, adhérents, clients). The group's stated reach covers the protection needs of approximately one in six French people.
The portfolio is anchored by four core brands: AÉSIO mutuelle (health and prévoyance), Macif (property and casualty, notably auto and home), Abeille Assurances (general insurance including life), and Ofi Invest (asset management and responsible investment). Supporting sub-brands and initiatives include Aémag, a thought-leadership publication, and L'Observatoire de la Protection Aéma Groupe, a prospective research platform. Group-level governance includes a Présidente (Béatrice Augier, elected June 2026), a Directeur général (Adrien Couret), and a recently created Human Resources and Sustainability direction (Bertrand Delignon, March 2026). MACIF carries a Moody's A2 (Stable) long-term IFSR rating.
Aéma Group generates revenue primarily through recurring insurance premiums and asset management fees across its brands and networks, distributed via brand-owned channels and multi-brand multi-network distribution covering France. No public revenue, headcount or premium figures are disclosed in the supplied data, and no AI/ML, app, or API capabilities are documented.
Aéma Group firmographics
Firmographics- Name
- Aéma Group
- Legal name
- AÉMA GROUPE, Société de Groupe d'Assurance Mutuelle (SGAM), entreprise régie par le code des assurances, 493 754 261 R.C.S. Paris
- Website
- https://aemagroupe.fr
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Aéma Group is a French mutual insurance group (SGAM) unifying AÉSIO mutuelle, Macif, Abeille Assurances and Ofi Invest to provide property, health, savings-retirement and asset management protection to roughly one in six French people.
- Ownership category
- akta.pro rank
Aéma Group industry classification
Industry- Product category
- Mutual Insurance
- NAICS
- Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Portfolio Management and Investment Advice (523940), Finance and Insurance (52)
- SIC
- Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Hospital & Medical Service Plans (6324), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
- akta.pro secondary industry
- Investment Management Advisory (RIA) (FSAEAAAB)
Keywords
Where Aéma Group is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Aéma Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance premiums: Aéma Group generates revenue primarily through insurance premiums from its four brands covering property and casualty insurance (assurance auto et habitation), health and prévoyance, savings and retirement (épargne-retraite), and asset management (gestion d'actifs).
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Aéma Group product offering
Product offeringCore offering
Aéma Group is a French mutual insurance group that operates as a Société de Groupe d'Assurance Mutuelle (SGAM), offering comprehensive protection solutions across four main brands. Its portfolio covers property and casualty insurance (auto and home), health and prévoyance, savings and retirement, and asset management, serving approximately one in six French people through its brands AÉSIO mutuelle, Macif, Abeille Assurances, and Ofi Invest.
Product overview
Aéma Groupe operates as a multi-brand, multi-network, and multi-business mutual insurance group (Société de Groupe d'Assurance Mutuelle - SGAM) offering comprehensive protection solutions. The portfolio comprises four main brands: Aésio Mutuelle (health and provident insurance), Macif (property and casualty insurance), Abeille Assurances (general insurance), and Ofi Invest (asset management and responsible investment). Together these brands cover all protection needs for approximately one in six French citizens, including auto insurance, home insurance, prévoyance (death/disability), savings, life insurance, and asset management. The group also publishes Aémag, a thought leadership platform on protection topics.
Differentiator
Problem solved
Functional benefit
Brands
- AÉSIO mutuelle: Mutual health insurance brand of Aéma Groupe
- Macif
- Abeille Assurances
- Ofi Invest
- Aémag
- L'Observatoire de la Protection Aéma Groupe
Products and services
- AÉSIO mutuelle Health and prévoyance insurance brand offering coverage for individuals, including health expense coverage and prévoyance (death/disability) insurance products.
- Macif Mutual property and casualty insurance brand offering auto, home, and other property insurance products with a mutualist approach.
- Abeille Assurances General insurance brand providing property, casualty, and life insurance products to individual and business clients.
- Ofi Invest Asset management and investment services brand focused on responsible finance, offering savings, retirement, and investment management solutions under a Socially Responsible Investment (ISR) approach.
Companies that use Aéma Group
Customer profileSegments1 record
Ideal customer profiles1 record
Aéma Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Aéma Group partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Aéma Group competitors and assessment
Company assessmentEmerging players
- Natixis Investment Managers: Asset management arm of Natixis (Groupe BPCE) with a multi-affiliate model offering responsible and active investment strategies; most direct comparable for Ofi Invest's French responsible-investment franchise.
Broad incumbents
- Generali: European insurance group with substantial French P&C and life operations; comparable product portfolio but listed, internationally diversified and historically Italian-rooted.
- Allianz: Global insurance and asset management giant with significant French P&C, life and asset management operations; overlaps Aéma across all four brand categories but at much greater scale and with global diversification.
- AXA: One of the world's largest insurers with deep French roots in P&C, life and health; broader incumbent with global footprint and public-equity capital base versus Aéma's France-only mutual model.
Direct peers
- BNP Paribas Cardif: Insurance arm of BNP Paribas, active in savings, protection and creditor insurance across Europe; comparable product mix and bancassurance-led distribution model versus Aéma's mutual networks.
- Crédit Agricole Assurances: Insurance arm of Crédit Agricole, one of France's largest life, P&C and creditor insurers; competes directly across Aéma's product lines and adds bancassurance distribution that Aéma lacks.
- Groupama: Leading French mutual insurance group with regional mutuals, active in P&C, health and life for individuals and farmers; directly comparable mutualist structure and French retail focus.
- CNP Assurances: Major French life, health and personal protection insurer with bancassurance partnerships (La Banque Postale, BPCE); overlaps AÉSIO and Abeille Assurances life/health business at scale.
- Société Générale Insurance: Insurance subsidiary of Société Générale offering life savings and protection products through retail banking; competes in the same French bancassurance-adjacent channels as Aéma's brands.
- Covéa: French mutualist insurance group (SGAM) combining MAAF, MMA and GMF across P&C, health and life; closest structural analogue to Aéma's multi-brand SGAM model serving French retail and SME customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Aéma Group social profiles
Digital presenceAéma Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aéma Group leadership team
Management profileNumber of profiles
Profiles3 records
Aéma Group subsidiaries and ownership
Company hierarchySubsidiaries4 records
Aéma Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aéma Group M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aéma Group
What does Aéma Group do?
Aéma Group is a French mutual insurance group that operates as a Société de Groupe d'Assurance Mutuelle (SGAM), offering comprehensive protection solutions across four main brands. Its portfolio covers property and casualty insurance (auto and home), health and prévoyance, savings and retirement, and asset management, serving approximately one in six French people through its brands AÉSIO mutuelle, Macif, Abeille Assurances, and Ofi Invest.
Is Aéma Group a public or private company?
Aéma Group is a private company. It is classified as management employee owned and is currently operating.
When was Aéma Group founded?
Aéma Group was founded in 2021. It employs 5,001 to 10,000 people.
Where is Aéma Group based?
Aéma Group is headquartered in Paris, France, in the Europe region.
How does Aéma Group make money?
One revenue line is on record: insurance premiums.
Who are Aéma Group's main competitors?
Natixis Investment Managers is listed as an emerging player. Broad incumbents are Generali, Allianz and AXA. Direct peers are BNP Paribas Cardif, Crédit Agricole Assurances, Groupama, CNP Assurances, Société Générale Insurance and Covéa.
Does Aéma Group have an API?
No public API is recorded for Aéma Group.
What industry is Aéma Group in?
Aéma Group's product category is Mutual Insurance. Its primary akta.pro industry code is FSAAACAI, Insurance-Integrated Wealth Managers (RIA + Insurance Solutions), with a secondary code of FSAEAAAB, Investment Management Advisory (RIA). Its NAICS code is 5241 and its SIC code is 6331.