RMA

What RMA does

RMA (Ressources Mutuelles Assistance) is a French mutual assistance provider founded in 2002 as a union de mutuelles (union of mutual insurance companies) under Book II of the Code de la mutualité. It is the only mutualist assistance provider in France, positioning itself within the broader Groupe Vyv mutual conglomerate. RMA delivers a comprehensive portfolio of assistance services spanning 14+ categories, organized into four groupings: Ecoute, Conseil et Orientation (listening, advice, and orientation telephone advisory); Assistance (health, international, prévoyance/insurance, and funeral); Accompagnement (psycho-social, caregiver, disability, parenting, and cancer patient support); and Offre de services (social action, enterprise EAP, and legal protection). Services are delivered to mutual insurance companies (mutuelles) under B2B arrangements, who then provide assistance to their individual beneficiaries.

RMA's technology backbone is the Mon@ssistance digital platform, launched in 2021 and awarded the Argus d'Or in 2022 for innovation. The platform enables post-call journey functionality (Parcours post-appel, released 2023) that allows telephone advisors to continue supporting beneficiaries after initial contact. Digital platform operations and the client extranet (extranet.rma.fr) are run through VYV Ecoute & Solutions, a wholly-owned subsidiary structured as a SAS (Société par Actions Simplifiée) registered in Nantes. Service delivery on the ground is executed through a curated network of 2,500+ service providers predominantly drawn from the social and solidarity economy, aligned with mutualist values around solidarity, ethics, and proximity.

The revenue model is managed services (B2B), with pricing not publicly disclosed. RMA sells bundled assistance programs to mutual insurance companies rather than directly to consumers, and revenue mechanics are anchored in long-term mutuelle contracts. Distribution is primarily direct B2B sales to mutuelles, supplemented by a self-serve client extranet portal and the embedded provider network. The company is headquartered at 46 rue du moulin, 44120 Vertou, France, and operates exclusively within the French market. No external funding rounds, M&A, or public-market activity is disclosed; ownership remains within the mutual/Vyv ecosystem.

Name

RMA

Legal name

RMA, union de mutuelles

Website

https://rma.fr

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

RMA (Ressources Mutuelles Assistance) is the only mutualist assistance provider in France, delivering health, psycho-social, caregiver, disability, and legal protection services to mutual insurance companies and their beneficiaries. It operates the Mon@ssistance digital platform and a 2,500+ provider network as part of Groupe Vyv.

Ownership category

akta.pro rank

Product category

Mutual Assistance Services

NAICS

Social Assistance (624), Health and Welfare Funds (525120), Individual and Family Services (6241), Services for the Elderly and Persons with Disabilities (624120)

SIC

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

akta.pro primary industry

Financial Assistance & Benefits Navigation Services (BPAGAEAK)

Keywords

• Mutual assistance services
• Health assistance
• Psycho-social support
• Insurance assistance
• Caregiver support

Headquarters

HQ city

Moulin

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. B2B Assistance Services to Mutual Insurers: RMA provides assistance and support services to mutual insurance companies (mutuelles). Services include listening, advice, orientation, health assistance, international assistance, provident assistance, funeral assistance, psycho-social support, caregiver support, disability support, parenthood support, cancer patient support, social action, enterprise offerings, and legal protection.

Distribution channels3 records

Marketing channels5 records

Core offering

RMA (Ressources Mutuelles Assistance) provides comprehensive assistance and support services to mutual insurance companies (mutuelles) and their beneficiaries, including telephone listening/guidance, health assistance, international assistance, provident/funeral assistance, psycho-social support, caregiver support, disability support, parenting support, cancer patient support, social action, corporate employee assistance, and legal protection. Services are delivered through a network of 2,500+ service providers from the social and solidarity economy and coordinated through the proprietary Mon@ssistance digital platform.

Product overview

RMA (Ressources Mutuelles Assistance) operates as a unified service platform offering four core service categories: (1) Ecoute, Conseil et Orientation (ECO) for advisory services, (2) Assistance covering health, international, prévoyance, and funeral assistance, (3) Accompagnement providing psycho-social support including caregiver support, disability assistance, parenting support, and cancer patient support, and (4) Offre de services including social action, corporate services, and legal protection. The company also provides Mon@ssistance, a digital platform supporting service delivery with post-call journey features, and maintains a client Extranet portal. Services are delivered through a network of over 2,500 providers from the social and solidarity economy sector.

Differentiator

Problem solved

Functional benefit

Brands

• Mon@ssistance: Digital platform for beneficiaries providing post-call journey features and services for RMA assistance users.

Products and services

• Ecoute, Conseil et Orientation (ECO) Telephone advisory service where counselors provide active listening, guidance, and orientation to beneficiaries of mutual insurance companies seeking assistance or support services.
• Assistance Santé Health assistance services providing support and coordination for beneficiaries requiring medical or healthcare-related assistance.
• Assistance Internationale International assistance services for beneficiaries traveling or residing abroad, providing coordination and support across borders.
• Assistance Prévoyance Providence and prévoyance (insurance/financial protection) assistance services for beneficiaries requiring support related to insurance coverage and financial planning.
• Assistance Obsèques Funeral assistance services providing support and coordination for families during end-of-life arrangements.
• Accompagnement Psycho-Social Psycho-social support services offering psychological assistance and social support to beneficiaries in distress or facing life challenges.
• Accompagnement des Aidants Support services specifically designed for caregivers (aidants) who assist family members or loved ones with health or dependency needs.
• Accompagnement des personnes en situation de Handicap Specialized support services for people with disabilities, helping them access resources and assistance tailored to their specific needs.
• Accompagnement de la Parentalité Parenting support services providing guidance and assistance to parents navigating family challenges and parenting responsibilities.
• Accompagnement des patients souffrant d'un Cancer Specialized cancer patient support services providing emotional, practical, and informational assistance to cancer patients and their families.
• Offre Action Sociale Social action services providing financial and material assistance to beneficiaries in vulnerable situations.
• Offre Entreprise Corporate/B2B services offering businesses employee assistance programs and workplace support solutions.
• Offre Protection Juridique Legal protection services providing beneficiaries with access to legal advice and support.
• Mon@ssistance Digital service platform enabling beneficiaries to access RMA's assistance and support services, featuring post-call journey functionality and digital coordination of services.
• Extranet Client RMA Secure client portal allowing beneficiaries and partners to access their RMA accounts, manage services, and communicate with advisors. Operated by VYV Ecoute & Solutions.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Sphéria Val de FrancefoundingOthers · 1 January 2002One of the founding mutual insurance companies that created RMA in 2002.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• SPB (Société de Prévoyance et de Bénefices): SPB is a French insurance assistance and services company providing warranty extensions, daily-life assistance, and claims management for insurers and retailers. Comparable to RMA's B2B model serving insurance partners, with overlap in daily-life assistance services.
• AXA Assistance: AXA Partners (including AXA Assistance) provides travel, health, automotive, and home assistance globally. Directly comparable to RMA in the international and health assistance categories, and a potential competitor for corporate EAP contracts that RMA targets through its Offre Entreprise.
• International SOS: International SOS is a global leader in medical and travel security assistance services for multinational clients. Directly comparable to RMA's 'Assistance Internationale' line, though more focused on corporate travel risk management and medical evacuation rather than mutualist beneficiary services.
• Mutuaide: Mutuaide is a French mutual assistance company (subsidiary of Crédit Mutuel's ACM group) providing travel, health, and everyday-life assistance. Directly comparable to RMA as another mutualist-rooted assistance provider in France with similar product categories and B2B mutuelle distribution.
• Filassistance: Filassistance is a French insurance assistance provider (part of Covéa group) offering daily-life, health, and travel assistance to insurer partners. Directly comparable to RMA in the B2B distribution model to insurance carriers, though operating within the commercial (rather than mutualist) insurance ecosystem.
• Europ Assistance: Europ Assistance is a global insurance assistance provider (owned by Generali) offering travel, health, and home assistance. Directly comparable to RMA across RMA's 'Assistance Internationale' and 'Assistance Santé' lines, though operating as a broader commercial insurer rather than a mutualist structure.
• IMA (Inter Mutuelles Assistance): IMA is the largest French mutualist assistance provider, offering health, travel, and home assistance to mutuelles and their members. Directly comparable to RMA as both operate the mutualist assistance model serving French mutuelles with similar service categories (health, international, psycho-social).

Others

• Groupe Vyv: Groupe Vyv is the parent mutual insurance conglomerate of RMA and France's leading mutualist health and protection insurer. Related as the parent ecosystem that anchors RMA's customer base and governance; not a direct competitor but a key channel and shareholder.

Broad incumbents

• Allianz Partners: Allianz Partners (formerly Allianz Global Assistance) is a large global assistance provider covering travel, health, automotive, and home assistance under the Allianz brand. Broader incumbent with overlapping capabilities across RMA's portfolio, though operating at much larger scale and with a commercial (not mutualist) orientation.
• April Assistance: April is a French insurance broker group that includes assistance services for individuals and businesses. Comparable to RMA's broader French insurance assistance market, though broader in scope (broking) and operating as a commercial (non-mutualist) player.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 RMA