Adrea

What Adrea does

AÉSIO mutuelle is a French mutual insurance organization (mutuelle) that provides health insurance (complémentaire santé), prévoyance (personal risk), épargne et retraite (savings and retirement), and property & casualty insurance products (auto, home, legal protection, school). The company serves three primary customer segments: individuals and families (Particuliers), self-employed professionals (Indépendants/TNS), and businesses and employers (Entreprises), with two secondary segments covering elected officials and insurance brokers. AÉSIO mutuelle reports accompanying 2.1 million members and operates an omnichannel distribution model combining several hundred physical agency locations across France with digital channels including online quote generation, a mobile application, and a member self-service portal.

The product portfolio spans entry-level health coverage (AÉSIO Santé Essentielle from €15/month), professional mutuelle for independents (from €26/month), prévoyance products (from €8-17/month), life insurance and Plan Épargne Retraite (PER), mandatory enterprise collective health (complémentaire santé collective, ANI-compliant), PEE/PERCOL employee savings, auto and home insurance, and add-on modules such as hospital guarantees and super-complementary coverage. The technology layer is built around a mobile application (iOS and Android), online portal for quotes and contract management, and integrations with Carte Blanche (healthcare provider network for tiers payant and negotiated rates), Deuxiemeavis.fr (online second medical opinion), and teleconsultation services. The underlying distribution also leverages brokers and expert-comptables as indirect channels for SMB and self-employed segments.

AÉSIO mutuelle operates as a member-owned mutual under the French mutual insurance model, affiliated with Mutualité Française. Revenue is generated primarily through recurring subscription premiums across health, prévoyance, savings, and P&C lines, supplemented by management fees on savings/retirement products. Pricing varies by age, location, coverage level, and professional category, with promotional offers such as 2-month-free or 1-month-free periods on select products. The company reinvests profits into member services rather than distributing dividends to shareholders, consistent with the mutual governance structure.

Name

Adrea

Legal name

AÉSIO mutuelle

Website

https://adrea.fr

Company type

Private

Founded year

1999

Operating status

Operating

Short description

AÉSIO mutuelle is a French mutual insurance organization serving 2.1 million members with health, prévoyance, savings and retirement, and property & casualty products distributed through several hundred agencies and digital channels.

Ownership category

akta.pro rank

Product category

Mutual Health and Insurance Services

NAICS

Insurance Carriers (5241), Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Carriers, Nec (6399), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industries

Standalone Hospital Indemnity Insurance (FSAIAKAB), Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC), Combined Critical Illness + Hospital Indemnity Policies (FSAIAKAC)

Keywords

• Mutual health insurance
• Complementary health insurance
• Prévoyance insurance
• Retirement savings plans
• Property casualty insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums (Complémentaire Santé): Monthly or annual premium payments from individuals, self-employed professionals, and businesses for supplementary health insurance coverage. Covers medical expenses not reimbursed by mandatory health insurance including optical, dental, hearing aids, hospital stays, and general healthcare costs.
2. Prévoyance Insurance Premiums: Recurring premiums for accident, death, disability, and loss of autonomy insurance products. Offered to individuals, families, and self-employed professionals.
3. Property & Casualty Insurance: Auto insurance, home insurance, and school insurance premiums with optional coverage extensions. One-time or recurring premium collection based on policy terms.
4. Savings & Retirement Products: Life insurance (assurance vie) and pension savings plans (Plan Épargne Retraite) generating management fees and potential policy charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

AÉSIO mutuelle is a French mutual insurance company providing complementary health insurance (complémentaire santé), prévoyance (accident, death, dependency, funeral, teleassistance), savings and retirement products (assurance vie, PER, PERO, PEE/PERCOL), and property & casualty insurance (auto, home, legal protection, school). The company distributes these products through an omnichannel model combining several hundred physical agencies across France with digital self-service capabilities (website and mobile app). It serves 2.1 million members across individual, self-employed, and business segments.

Product overview

AÉSIO mutuelle operates as a comprehensive mutual insurance organization offering a multi-product portfolio across four main categories: health insurance (complémentaire santé, hospitalization, super-complementary), provident insurance (accident, death, funeral, dependency, teleassistance), savings and retirement (life insurance, PER, PERO, PEE/PERCOL), and property & casualty insurance (auto, home, legal protection, school). The company serves three distinct market segments: individual consumers (particuliers), self-employed professionals (indépendants/TNS), and businesses (entreprises). Products include core offerings like AÉSIO Santé Essentielle (€15/month entry health plan), professional health insurance (€26/month), and provident insurance (from €8-17/month), supplemented by specialized solutions for branch agreements, expert accountants, and territorial agents. A mobile application provides member services including reimbursement tracking, card access, and teleconsultation. The company leverages healthcare provider networks (Carte Blanche) and third-party services (deuxiemeavis.fr, remote medical consultation) to deliver integrated member experiences.

Differentiator

Problem solved

Functional benefit

Brands

• AÉSIO Santé Essentielle: Entry-level health insurance coverage starting at 15€ per month.
• AÉSIO Prévoyance Accident
• AÉSIO Prévoyance Pro

Products and services

• AÉSIO Santé Essentielle Entry-level complementary health insurance product covering essential healthcare expenses including the 100% Santé framework for optics, dental, and audiology, priced from €14.49/month for a 20-year-old in Clermont-Ferrand (2026). Designed for individual consumers seeking affordable basic health coverage.
• Complémentaire Santé Collective Collective complementary health insurance for companies, fulfilling the mandatory ANI (Accord National Interprofessionnel) requirement for employer-provided health coverage. Targeted at French businesses and employers needing compliant group health benefits.
• Mutuelle Indépendant / TNS Health insurance tailored for self-employed professionals (Travailleurs Non Salariés) including artisans, merchants, micro-entrepreneurs, liberal professions, accountants, and business creators, available from €26/month. Designed for the TNS segment with Madelin law compatibility.
• Prévoyance Accident de la Vie Personal accident insurance covering domestic accidents, providing protection starting from €8/month for individuals and families. Designed for individual consumers seeking accident coverage.
• Prévoyance Pro Professional prévoyance insurance for self-employed workers covering work stoppage, disability, and death, priced from €17/month. Targeted at self-employed professionals (retail merchants, artisans, liberal professions).
• Assurance Obsèques Funeral expense insurance that covers costs associated with end-of-life arrangements, protecting family members from financial burden. Targeted at individuals and families.
• Assurance Décès Death insurance providing financial protection to beneficiaries and maintaining family living standards in case of the insured's passing. Designed for individual consumers and families.
• Dépendance / Autonomie Loss of autonomy insurance covering costs associated with dependency, including care assistance and support services for individuals who can no longer live independently. Targeted at seniors and families.
• Téléassistance Remote assistance service for individuals experiencing loss of autonomy, providing emergency response and monitoring capabilities. Targeted at seniors and dependent individuals.
• Assurance Vie Life insurance savings product providing long-term capital accumulation and death benefit protection, with beneficiary designation for surviving spouse or designated recipients. Designed for individual savers.
• Plan Épargne Retraite (PER) Personal retirement savings plan providing supplementary income upon retirement, with tax advantages for contributions. Targeted at individual savers planning for retirement.
• Plan d'Épargne Retraite TNS Retirement savings plan specifically designed for self-employed workers (TNS), complying with Madelin law for tax-deductible contributions. Targeted at self-employed professionals.
• Plan d'Épargne Retraite Obligatoire (PERO) Mandatory retirement savings plan for employees, required under certain collective agreements or company schemes. Targeted at French employers with branch-specific obligations.
• Plan d'Épargne Salariale (PEE / PERCOL) Employee savings plans including PEE (Plan d'Épargne Entreprise) and PERCOL (Plan d'Épargne Retraite Collectif), with employer matching contributions and tax advantages. Targeted at French businesses offering competitive employee benefits.
• Accord de Branche Industry-wide collective agreement insurance products tailored to specific professional sectors and branch conventions. Targeted at companies operating under specific CCN (Convention Collective Nationale) requirements.
• Prévoyance TPE Prévoyance insurance solutions designed for very small enterprises (TPE - Très Petites Entreprises), providing employee protection against death, disability, and incapacity. Targeted at micro and very small businesses.
• Prévoyance PME Prévoyance insurance solutions for small and medium enterprises (PME), offering comprehensive employee protection packages including death, disability, and incapacity coverage. Targeted at SMEs in France.
• Assurance Auto Vehicle insurance covering all drivers, available in third-party liability or comprehensive coverage options, with additional services such as breakdown assistance, replacement vehicle, and driver protection. Targeted at individual motorists.
• Assurance Habitation Home insurance for owners and renters, covering civil liability, damage, and losses, with customizable coverage levels, deductibles, and indemnification terms. Targeted at individual households.
• Assurance Protection Juridique Legal protection insurance covering legal fees and providing legal assistance services for individuals facing legal disputes. Targeted at individual consumers and families.
• Assurance Scolaire School insurance for pupils and students, providing customizable protection including civil liability, healthcare costs, broken glasses coverage, criminal defense, and death or permanent disability capital. Targeted at families with school-age children.
• Application Mobile AÉSIO Mutuelle Mobile application enabling members to access their personal space, view reimbursements, download insurance cards, submit documents, and access telemedicine services. Available on iOS and Android platforms. Targeted at all AÉSIO mutuelle members for 24/7 self-service policy management.

Quantifiable outcome

• 94% of clients are satisfied with their agency visit experience
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Carte BlanchecoreTechnology or IntegrationHealthcare provider network partnership offering AÉSIO mutuelle members exclusive deals and negotiated rates with thousands of opticians, dentists, and audiologists across France. Provides differentiated value through preferential pricing and coordinated care.
• KantarminorOthersMarket research partner conducting customer satisfaction surveys. Used for independent verification of service quality metrics including reimbursement timeline satisfaction among independent clients.
• AUDIREPminorOthersSurvey research firm conducting telephone surveys of policyholders to measure satisfaction and brand perception among non-salaried workers (TNS) segment.
• Mutualité FrançaisecoreStrategic or Co-development PartnerAffiliation with the French Mutual Insurance Federation (Mutualité Française), a major organization representing mutual insurers in France. Provides institutional credibility, regulatory alignment, and access to sector-wide initiatives.
• Apple App StoreminorChannel Partner/ Reseller/ DistributorDistribution partnership for AÉSIO mutuelle mobile application through Apple's iOS platform in France.
• Google PlayminorChannel Partner/ Reseller/ DistributorDistribution partnership for AÉSIO mutuelle mobile application through Google's Android platform in France.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA France: One of the largest French insurers offering the full multi-line portfolio (health, prévoyance, savings, P&C) through agents and bancassurance — a much larger shareholder-owned competitor with broader geographic and capital reach.
• Crédit Agricole Assurances: Predominant bancassurer for Crédit Agricole distributing santé, prévoyance, life insurance, and P&C through banking channels — competes with AÉSIO especially on TNS and entreprise segments but distributes primarily via bank networks.

Direct peers

• MGEN: French mutual specializing in health and prévoyance for public-sector and education employees; aligned with AÉSIO's mutual governance and complementary health focus, though more concentrated in fonctionnaires.
• Matmut: French mutual insurer with strong auto/habitation heritage expanding into santé and prévoyance. Comparable mutual structure with overlapping individual and SMB target segments.
• MACIF: Major French mutual insurer offering complémentaire santé, prévoyance, assurance vie, auto, and habitation — directly overlapping AÉSIO's product portfolio and member-owned mutual governance model.
• Malakoff Humanis: French mutual group focused on social protection (health, prévoyance, retirement) for entreprises and TNS, with substantial group health and PER operations directly comparable to AÉSIO's enterprise segment.
• Groupama: Federation of French regional mutuelles offering health, prévoyance, P&C, and savings products to individuals, professionals, and enterprises. Competes directly with AÉSIO across all customer segments.
• Harmonie Mutuelle: Leading French mutual health insurer with a comparable multi-line santé/prévo/yance/épargne offering, similar member-owned structure, and overlapping TNS and entreprise segments. Closest like-for-like competitor in the French mutual landscape.
• Covéa (GMF, MAAF, MMA): French mutual insurance group combining GMF, MAAF, and MMA; offers santé, prévoyance, auto, habitation, and assurance vie — directly comparable multi-line mutual structure and member base.

Emerging players

• Alan: French health-insurtech challenger providing fully digital complémentaire santé to individuals and SMEs. Targets the same individual and SMB segments as AÉSIO but with a pure-D2C digital model, representing the disruptive edge of the market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/AESIOMutuelle
• YouTubeyoutube.com/@AESIOMutuelle
• Facebookfacebook.com/AESIOMutuelle
• LinkedInlinkedin.com/company/adrea-mutuelle
• Instagraminstagram.com/aesiomutuelle

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Adrea