Solidaris Wallonie

What Solidaris Wallonie does

Solidaris Wallonie is a Belgian mutual health insurance organization (mutualité/mutualiteit) headquartered in Saint-Servais (Namur), governed under Belgian social-security law and operating without shareholders. Founded in 1869 as "La Solidarité" and unified in its current Walloon form in 2022, it serves 923,119+ primary insured members and 1,356,141+ total affiliates across Wallonia through a hybrid mandatory-statutory and complementary insurance model, supplemented by optional hospitalization (Optio 100/150/200), dental, and serious-illness coverage under its subsidiary Solidaris Assurances.

The organization's service platform is anchored by the Solidaris mobile app (iOS/Android) and the e-Mut online portal, which provide reimbursement tracking, document submission, appointment booking, and secure itsme login. It integrates with INAMI infrastructure via Mult-eMediatt (electronic work-incapacity certificates) and eAttest (electronic care attestations from doctors, physiotherapists, and dentists), and partners with Doktr for remote psychologist consultations. Distribution combines 221+ owned physical points of contact — the widest network in Wallonia — with 29+ partner hospitals offering third-party payment (tiers payant) and a wider associative ecosystem (CSD home care, Latitude Jeunes, Espace Seniors, Soralia, Sofélia, pharmacies, optical and medical-equipment retailers, Jurimut/Handydroit legal aid).

Solidaris generates revenue through monthly complementary contributions (€16/month standard, €13.50/month for BIM/lower-income beneficiaries), optional insurance premiums starting at €3.68/month for hospitalization, management of mandatory health insurance flows on behalf of the Belgian state via INAMI, and fees across its associative service network. Pricing and go-to-market are persona-based — targeting young adults, expecting couples, families, seniors, and caregivers through the mobile app, e-Mut portal, agency network, and persona-targeted content on its "Ma vie en plus" webmedia. As a non-profit mutualité, surpluses are returned to members in the form of enhanced benefits rather than distributed to owners.

Name

Solidaris Wallonie

Legal name

Union Nationale des Mutualités socialistes (U.N.M.S.)

Website

https://solidaris-wallonie.be

Company type

Private

Founded year

1869

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Solidaris Wallonie is a Belgian mutual health insurance organization serving 923,000+ primary insured members across Wallonia. It manages mandatory and complementary health insurance, optional hospitalization/dental/serious-illness coverage, and an associative socio-health network via 221+ physical points, a mobile app, and 29+ partner hospitals.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Insurance and Employee Benefit Funds (5251)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

akta.pro secondary industry

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

Keywords

• Mutual health insurance
• Complementary health coverage
• Hospitalization insurance
• Healthcare reimbursements
• Social mutual benefits

Headquarters

HQ city

Saint-servais

HQ country

Belgium

HQ region

Europe

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mandatory Health Insurance (Assurance Maladie-Invalidité Obligatoire): Solidaris manages mandatory health insurance on behalf of the Belgian state, reimbursing healthcare costs (doctor visits, hospital stays, medications, dental care, physiotherapy) funded through social security contributions collected by ONSS and distributed by INAMI
2. Complementary Insurance Contribution (Cotisation Complémentaire): Monthly mandatory contributions from members that fund supplementary benefits: reduced co-payments at generalists/specialists, optical benefits, psychological sessions, vaccines, contraception, home support services, birth premiums, and sports/leisure benefits for children. 16€/month for ordinary beneficiaries, 13.50€/month for BIM (intervention majorée) beneficiaries
3. Optional Insurance Products (Hospitalisation, Dental, Serious Illness): Solidaris Assurances (SMA) offers optional hospitalization insurance (Optio 100/150/200), dental insurance (Optio Dentis), and serious illness coverage. Revenue from insurance premiums with no medical questionnaire required, coverage starting from 3.68€/month for hospitalization. 6-month waiting period applies, subscription before age 70
4. Associative and Socio-Health Network Services: Solidaris operates an extensive associative network providing services including home care (Centrale de Services à Domicile), youth programs (Latitude Jeunes, Code Plus), senior activities (Espace Seniors), childcare, and health promotion—funded through the complementary contribution system without shareholders

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Solidaris Wallonie is a Belgian mutualité (mutual health insurance organization) that administers mandatory health insurance on behalf of the state, provides complementary supplementary insurance benefits to members, and sells optional hospitalization, dental, and serious illness insurance through its subsidiary Solidaris Assurances (SMA). It operates a wide network of physical agencies and digital self-service channels (mobile app and e-Mut portal) to deliver reimbursements, social/health services, and insurance products to over 1.35 million members in Wallonia.

Product overview

Solidaris Wallonie operates as a mutual health insurance organization offering a unified platform combining mandatory health insurance with supplementary coverage and optional insurance products. The core product ecosystem includes the Solidaris mobile app and e-Mut online portal for member self-service, supported by the Mult-eMediatt and eAttest electronic systems for healthcare provider communications. The product portfolio comprises mandatory Complémentaire health insurance (€16/month), Optio hospital insurance (starting €3.68/month), Optio Dentis dental insurance, and Optio supplementary hospitalization coverage. Add-on services include Doktr online psychologist consultations and Drive-Mut driving courses. The organization also manages a network of 221 physical contact points across Wallonia.

Differentiator

Problem solved

Functional benefit

Brands

• Optio (hospitalisation insurance): Hospital insurance product available in 100, 150, and 200 tiers, covering room and fee supplements in private rooms, offered by Solidaris Assurances.
• Optio Dentis
• Ma vie en plus
• Drive-Mut
• e-Mut
• Jurimut et Handydroit
• Espace Seniors
• Latitude Jeunes
• Code Plus

Products and services

• Complémentaire Health Insurance Mandatory monthly supplementary health insurance covering additional reimbursements on top of the Belgian state-managed Assurance Maladie-Invalidité Obligatoire. Provides reduced co-payments at generalists/specialists, optical/dental benefits, psychological sessions, vaccines, contraception, home support services, birth premiums, and children's sports/leisure subsidies. €16/month standard, €13.50/month for BIM beneficiaries.
• Optio Hospitalization Insurance Optional hospitalization insurance offered in three tiers (Optio 100/150/200) covering hospital stay costs, medical/paramedical services, medications, prosthetics/implants (up to €5,000), ambulance transport (up to €425/year), and foreign hospitalization (up to €300/day, €5,000/year). Optio 100/150/200 cover 100%/150%/200% of legal fee supplements for private rooms. Annual intervention ceiling €25,000. No medical questionnaire required; subscription before age 70 with 6-month waiting period.
• Optio Dentis Dental Insurance Optional dental insurance covering dental care, orthodontic treatments, and dental prostheses for Solidaris members.
• Serious Illness Insurance (Assurance Maladies Graves) Optional insurance covering consultations, prescribed medications, and examinations related to serious illness. From €19.13/month.
• Optio Hospitalization Supplementary Coverage Supplementary coverage extending hospital insurance benefits 60 days before and 90 days after hospitalization, covering prescribed medications, medical supplies, equipment rental, and post-hospitalization doctor visits.
• Solidaris Mobile Application Mobile app (iOS/Android) for Solidaris members enabling real-time reimbursement tracking, eAttest notifications, insurance coverage overview, document scanning, appointment booking, and secure login via itsme digital identity.
• e-Mut Online Portal Web-based member portal providing access to reimbursement tracking, coverage information, document management, and direct communication with the mutualité.
• Drive-Mut Driving School Program Member benefit offering theoretical and practical driving lessons with reimbursement benefits, targeted at young members seeking driving license assistance.
• Espace Seniors Activities and Wellness Programs Senior activities, social engagement, activity locations, and home-delivered meal services offered to senior members through the Solidaris network.
• Latitude Jeunes Youth Programs Youth-oriented services, activities, and programs offered to young Solidaris members.
• Centrale de Services à Domicile (CSD) Home Care Home nursing and care services including reduced rates for home aides (aides-ménagères), caregivers (garde-malades), and medical equipment rental for Solidaris members.
• Jurimut et Handydroit Legal Aid Services Legal aid services for Solidaris members covering medical errors and disability claims.
• Work Incapacity Income Replacement Mutualité-managed income replacement for members experiencing temporary or permanent work incapacity, including disability benefits, maternity leave benefits, adoption leave, and breastfeeding breaks. Processed via the Mult-eMediatt electronic certificate platform.

Quantifiable outcome

• 1.35+ million members served in Wallonia
• +4 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

18 partnerships are on record, tiered core and minor.

• CHU de Liège (Partner Hospitals)coreStrategic or Co-development PartnerCHU de Liège (Sart-Tilman, ND des Bruyères, Ourthe-Amblève, Fraiture sites) is a partner hospital offering direct third-party payment (tiers payant) for Solidaris insured members. Members can be hospitalized without advance payment at these facilities.
• CHR de la Citadelle (Partner Hospitals)coreStrategic or Co-development PartnerCHR de la Citadelle (Liège, Ste Rosalie, Château-rouge sites) is a partner hospital offering direct third-party payment for Solidaris members, covering all room types.
• CH Epicura (Partner Hospitals)coreStrategic or Co-development PartnerCH Epicura operates multiple sites (Baudour, Beloeil, Madeleine-Ath, Hornu-Frameries) as partner hospitals with third-party payment for Solidaris insured members.
• CHWAPI - Hôpitaux du Centre Hospitalier de Wallonie PicardecoreStrategic or Co-development PartnerCHWAPI operates Notre-Dame, IMC, and Dorcas sites as partner hospitals with third-party payment for Solidaris members.
• CHU Charleroi - ISPPC (Partner Hospitals)coreStrategic or Co-development PartnerISPPC CHU Charleroi operates Marie Curie and André Vésale sites, offering third-party payment services for Solidaris members.
• Vivalia (Partner Hospitals)coreStrategic or Co-development PartnerVivalia healthcare network operates sites in Arlon, Bastogne, Libramont, Marche, and Virton as partner hospitals for Solidaris members.
• CHR Namur (Partner Hospitals)coreStrategic or Co-development PartnerCHR Namur operates Meuse and Sambre sites as partner hospitals with third-party payment for Solidaris members.
• Helora Hospitals (Partner Hospitals)coreStrategic or Co-development PartnerHelora healthcare group operates Jolimont, Lobbes, Nivelles, Tubize, Mons, and Warquignies sites as partner hospitals for double room coverage with third-party payment.
• CHR de Verviers (Partner Hospitals)coreStrategic or Co-development PartnerCHR de Verviers (Peltzer and La Tourelle sites) operates as a partner hospital for double room coverage with third-party payment for Solidaris members.
• Centrale de Services à Domicile (CSD)coreStrategic or Co-development PartnerCSD (Fédération) provides home nursing and care services for Solidaris members, offering reduced rates for aides-ménagères, garde-malades, and medical equipment rental.
• Pharma Santé (Liège Province)minorChannel Partner/ Reseller/ DistributorPartner pharmacies in the Province of Liège offering pharmaceutical products and services to Solidaris members.
• Optique Point de MireminorChannel Partner/ Reseller/ DistributorOptical store partner in Province of Namur offering 20% discount to Solidaris members over 18 for glasses and optical products.
• Point de Mire Santé (Namur Province)minorChannel Partner/ Reseller/ DistributorMedical equipment store partner in Province of Namur providing optical and medical equipment to Solidaris members.
• Point Santé (Centre-Charleroi-Soignies)minorChannel Partner/ Reseller/ DistributorMedical equipment store partner in Centre-Charleroi-Soignies area providing equipment to Solidaris members.
• Actimed (Liège Province)minorChannel Partner/ Reseller/ DistributorMedical equipment store partner in Province of Liège providing medical equipment rental and sales to Solidaris members.
• CSN Polyclinics (Province of Namur)minorStrategic or Co-development PartnerPolyclinic network in Province of Namur operated by CSN providing outpatient specialist services to Solidaris members.
• itsmecoreTechnology or Integrationitsme digital identity service integrated into the Solidaris mobile app for secure, simplified login without passwords—enabling access to all Solidaris services using phone number-based authentication.
• Sport, Culture, and Society/Well-being InitiativesminorGTM or Marketing PartnerSolidaris supports initiatives in sport, culture, and society/health & well-being that share its values of solidarity, equality, and social progress. Sponsorship/parixnership available for projects offering relevant visibility.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• MGEN (Mutuelle Générale de l'Éducation Nationale): Major French mutual health insurer providing complementary health, dental, and hospitalization coverage under a similar mutual/non-profit structure. Comparable in operating philosophy and product breadth, though operating under the French regulatory regime.
• Mutua Madrileña: Spanish mutual insurance group offering health, auto, and home insurance under a mutual/cooperative structure. Comparable in mutual/non-profit governance philosophy and broad service offering, though operating in a different regulatory and competitive environment.
• Groupe VYV: Largest French mutual health and social protection group, combining complementary health insurance with home care, optical, and healthcare services. Operates at significantly larger scale than Solidaris with broader geographic coverage and similar vertically-integrated service model.

Direct peers

• Partena Mutualité: Brussels-based mutualité providing mandatory health insurance, complementary insurance, and optional hospitalization/dental coverage. Competes directly with Solidaris for members in the bilingual Brussels region and parts of Wallonia with similar socialist/liberal positioning.
• Helan (formerly Bond Moyson): Flemish liberal mutualité (merged entity from Bond Moyson and other socialist-leaning mutuals) offering mandatory health insurance plus complementary and facultative insurance products. Direct Belgian mutualité peer with similar operational footprint.
• Neutraal Ziekenfonds Vlaanderen: Neutral Flemish mutualité providing the same Belgian mandatory health-insurance management plus complementary products. Directly comparable in product scope and structure, competing for Belgian affiliate members across language communities.
• Onafhankelijk Ziekenfonds (OZ): Independent Flemish mutualité offering mandatory health insurance, complementary benefits, and optional dental/hospitalization insurance. Structurally identical to Solidaris but operating in Flanders with politically neutral positioning.
• Solidaris Vlaanderen: Flemish counterpart under the same Solidaris brand umbrella (socialist mutualité network), offering identical product architecture (mandatory + complementary + Optio). Comparable structure, products, and pricing, but operating in Flanders rather than Wallonia.
• Mutualité Chrétienne (MC/CM): Largest Belgian mutualité (Christian-affiliated), offering the same mandatory health-insurance management plus complementary insurance and optional hospitalization products. Operates across all Belgian regions and competes head-to-head with Solidaris for affiliate members in Wallonia.
• Solidaris Bruxelles: Brussels-based socialist mutualité under the Solidaris umbrella, offering the same mandatory + complementary + Optio product suite as Solidaris Wallonie. Sister organization competing for Brussels-region affiliates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/solidariswal
• YouTubeyoutube.com/c/SolidarisWallonie
• Facebookfacebook.com/solidariswallonie
• LinkedInlinkedin.com/company/solidariswallonie
• Instagraminstagram.com/solidariswallonie

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries14 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 Solidaris Wallonie