What Mutest does

Mutest is a regional mutual insurance company (mutuelle) headquartered in Strasbourg, France, governed by Book II of the French Code de la mutualité and operating under the Alliance Mutualiste group. Founded around 1954, the company delivers complementary health insurance (assurance santé) and provident insurance (prévoyance) products to individuals, self-employed workers (TNS), and three French public-sector employee categories — territorial agents, state civil servants, and hospital staff — as well as to enterprises and students. Its portfolio spans modular individual health plans (Global 100% Santé starting at €25/month), labeled public-sector contracts, self-employed MADELIN-eligible plans, collective B2B plans (Modulo 100% Santé), and a broad prévoyance suite covering funeral costs, dependency, hospitalization indemnity, accidental death, injury, daily-life accidents, and legal protection, supplemented by 24/7 teleconsultation, free second medical opinion, and a Club Avantages discount program.

Mutest distributes through a regionally concentrated physical network of 6 agencies across Alsace (Strasbourg, Haguenau, Colmar, Mulhouse, Molsheim) plus 8 hospital-based permanences embedded in Strasbourg public hospitals, complemented by digital channels including the MaWebMutuelle member portal, iOS/Android mobile applications, NOEMIE teletransmission for automated claims exchange with French Social Security, phone-based service, and online quote requests. Marketing leverages website/blog content, social media (Facebook, X, LinkedIn, Instagram), Pages Jaunes customer reviews (4.1/5), and event sponsorship including a partnership with Racing Club de Strasbourg Alsace (RCSA).

Mutest's revenue model is entirely subscription-based, with monthly premiums collected from individual and collective policyholders. Pricing varies by coverage level, age, family composition, and the Alsace-Moselle versus general French social-security regime; employer subsidies (up to €15/month for state agents) reduce net member cost on labeled products. As a non-profit mutuelle, Mutest does not publicly disclose revenue figures and is supervised by the ACPR. Leadership is held by Directeur Général Loïc Biver.

Name

Mutest

Legal name

MUTEST

Website

https://www.mutest.fr

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

11–50 employees

Short description

Mutest is a Strasbourg-based mutual insurance company offering complementary health and provident insurance to individuals, self-employed workers, and French public-sector employees (territorial, state, and hospital agents) across the Alsace region through 6 agencies and 8 hospital permanences.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Health Care and Social Assistance (62)

SIC

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

akta.pro primary industry

Standalone Hospital Indemnity Insurance (FSAIAKAB)

akta.pro secondary industries

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

Keywords

• Mutual health insurance
• Supplementary health coverage
• Prevoyance insurance products
• Public sector insurance
• Individual health plans

Headquarters

HQ city

Strasbourg

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly subscription premiums collected from individual and collective health insurance policyholders. Pricing varies by coverage level, age, family composition, and geographic zone. Mutest is regulated under the French Code de la mutualité as a non-profit mutual insurance company.
2. Prévoyance (Insurance) Premiums: Recurring premiums from supplementary insurance products including death benefit, hospitalization indemnity, legal protection, and dependency coverage.
3. Surcomplémentaire (Super-plementary) Premiums: Additional coverage premiums for individuals seeking enhanced reimbursement levels beyond standard responsible contracts.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Mutest is a mutual insurance company (mutuelle) that sells modular health insurance (assurance santé) and provident insurance (prévoyance) products to individuals, public sector employees, self-employed workers, businesses, and students in Alsace, France. Its core offering includes tiered health coverage plans (e.g., Global 100% Santé, Modulo Hospitaliers, Mutuelle Santé Agent Territorial), plus supplementary accident, death, hospitalization, funeral, dependency, legal protection, and injury coverage products. Members access services through physical agencies, hospital permanences, an online portal, mobile apps, and 24/7 teleconsultation.

Product overview

Mutest is a mutual insurance company (mutuelle) based in Alsace, France, offering a comprehensive portfolio of health insurance (assurance santé) and provident insurance (prévoyance) products. The health insurance portfolio includes Global 100% Santé for individuals and families, Global 100% Santé TNS for self-employed workers, Modulo Hospitaliers for healthcare professionals, Modulo 100% Santé for businesses, and specialized products for territorial and state civil servants. Provident insurance includes daily allowances, accidental death capital, funeral (Géode Obsèques), dependency (Géode Dépendance), hospitalization protection, injury protection, and daily life accident insurance. The company also provides value-added services including 24/7 teleconsultation, free second medical opinion, and a Club Avantages discount program. Products are offered through 6 physical agencies and 8 hospital permanences across Alsace.

Differentiator

Problem solved

Functional benefit

Products and services

• Indemnités Journalières Agents Hospitaliers Daily allowance insurance for hospital agents providing salary maintenance in case of sick leave, without medical questionnaire. Starting price €9/month.
• Global 100% Santé Modular individual health insurance with 6 customizable guarantee levels covering hospitalization, dental, optical, prevention, and optional funeral packages, designed for individuals, students, families, and retirees in Alsace-Moselle. Starting price €25/month.
• Global 100% Santé TNS Health insurance specifically designed for self-employed workers (TNS), freelancers, artisans, micro-entrepreneurs, and business managers, featuring 6 customizable levels and eligible for Loi MADELIN tax deductions. Starting price €25/month.
• Modulo Hospitaliers Modular health insurance designed for healthcare professionals in the hospital public service, including nurses, nursing assistants, midwives, and nursing students. Starting price €45.30/month, with 6 levels of coverage including teleconsultation, second medical opinion, and natural medicine coverage up to €250.
• Modulo 100% Santé Company health insurance offering customizable modules with automatic benefit coordination between base and supplementary plans for employees. Starting price €29.83/month.
• Mutuelle Santé Agent Territorial Health insurance for territorial public service agents with 6 guarantee levels, eligible for employer financial participation. Starting price €25/month.
• Mutuelle Santé Agent d'Etat Health insurance for state civil servants with 5 guarantee levels, employer participation up to €15/month, and up to €200 in alternative medicine coverage. Starting price €25/month.
• Sur-complémentaire non responsable Top-up insurance with 6 modular formulas that compensates for insufficient coverage of responsible complementary health plans, strengthening reimbursements for dental, optical, and hospitalization. Starting price €27.03/month.
• Nos Garanties Labellisées Five labeled health insurance guarantees (Zen, Confort, Spéciale, Spéciale plus, Sérénité) for territorial public service agents, approved in August 2012 under Décret 2011. Starting price €18.86/month for a territorial agent aged 20 in General Regime.
• Souscription annuelle EMS Annual subscription service for Eurométropole de Strasbourg agents and retirees to subscribe or renew complementary health and provident contracts.
• Capital Décès Accidentel Accidental death and total permanent disability capital insurance with 6 options ranging from €15,000 to €150,000, available without medical questionnaire for ages 18–70. Starting price €6.70/month.
• Géode Obsèques Funeral expense insurance providing capital between €3,000 and €8,000 for funeral arrangements, without medical questionnaire. Starting price €12.25/month.
• Géode Dépendance Dependency insurance with capital between €1,000 and €25,000, including teleassistance for 3 months, psychological support, daily hospitalization allowance, and 10% couple discount. Starting price €6.51/month.
• Mon Plan Protection Hospitalisation Hospitalization protection plan providing daily allowance from €15 to €100 for all hospitalizations with tripled indemnities for accident-related hospitalizations. 7 adjustable amounts available. Starting price €9.36/month.
• Indemnité Journalière Hospitalisation Accidentelle Accidental hospitalization daily allowance insurance with 6 optional amounts from €15 to €150 per day, payable for 365 days without waiting period. Starting price €4.23/month.
• Protection Blessures Accidental injury insurance covering fractures and burns with financial coverage up to €4,000 for fractures and €3,000 for burns based on severity. No waiting period or medical questionnaire. Starting price €14.26/month.
• Protection des Accidents de la Vie Courante Daily life accident insurance providing capital up to €80,000 in case of death or permanent disability, with daily allowances for hospitalization and temporary incapacity. 3 options from €10.79/month.
• Protection Juridique Vie Privée Legal protection insurance covering up to €25,000 per claim for legal assistance, dispute resolution, and judicial procedure costs. Starting price €4.59/month.

Quantifiable outcome

• 4.1/5 customer satisfaction rating on Pages Jaunes
• +4 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered minor and unclear.

• Racing Club de Strasbourg Alsace (RCSA)minorGTM or Marketing Partner · 22 February 2026Marketing partnership through match-day event sponsorship on February 22, 2026 at Stade de la Meinau. Activities include fan zone QR code contest with RCSA jersey prize, supporter challenge with penalty shootout, and professional networking at Saint-Ex' salon.
• Alliance MutualisteunclearOthersParent mutual grouping entity referenced in regulatory documents and governance (Rapport LEC, Rapport SFCR UMG). Nature of relationship appears to be organizational/supervisory.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mutuelle Nationale des Hospitaliers (MNH): France's leading mutuelle specifically for hospital staff. Direct competitor to Mutest's Modulo Hospitaliers product, targeting the same Agents Hospitaliers segment with similar health and prévoyance offerings.
• Harmonie Mutuelle: Large French mutuelle offering complementary health and prévoyance to individuals, public sector employees, and businesses. Directly comparable mutual structure and product mix with broader national reach than Mutest.
• MGEL (Mutuelle Générale de l'Education Nationale): Mutuelle serving education sector and students/young professionals with health and prévoyance products. Comparable mutual governance model and similar focus on a specific public-sector-adjacent population.
• Mutuelle Générale de Prévoyance (MGPrev): French mutuelle providing prévoyance products (death, dependency, hospitalization). Highly comparable product set to Mutest's prévoyance portfolio and similar mutual structure.
• Territoria Mutuelle: Specialist mutuelle for territorial civil servants — directly competes with Mutest's Mutuelle Santé Agent Territorial and labeled guarantees for the same local government employee segment.

Broad incumbents

• Malakoff Humanis: Major French group protection and health insurance provider serving employers and public sector entities. Much larger scale but overlapping in collective health plans (Modulo 100% Santé equivalent) and prévoyance for similar populations.
• AXA France: National health and prévoyance insurer with broad individual, family, and collective offerings. Competes for the same individual and self-employed segments with significantly larger marketing and digital investment.
• SwissLife France: Major French life/health/prévoyance insurer with individual and collective offerings. Overlaps with Mutest's prévoyance (death, dependency, hospitalization indemnity) and collective santé products.

Emerging players

• Alan: French insurtech offering digital-first health insurance to individuals, self-employed, and SMEs. Targets the same TNS and small business segments as Mutest but with a fully digital UX and pricing model.

Regional players

• Crédit Mutuel Arkéa: Banking/insurance group with deep roots in Western France including Brittany. Operates complementary health insurance through its regional mutuelles — strong regional mutual model parallel to Mutest's Alsace focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mutuellemutest
• Facebookfacebook.com/mutuellemutest
• LinkedInlinkedin.com/company/mutest
• Instagraminstagram.com/mutest.mutuelle

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 Mutest