MSA des Charentes

Name

MSA des Charentes

Legal name

MSA des Charentes (Mutualité Sociale Agricole des Charentes)

Website

https://charentes.msa.fr

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

MSA des Charentes is a mutual social security organization serving agricultural workers, employers, and families across the Charente and Charente-Maritime departments of France, delivering mandatory health, retirement, family, and workplace accident coverage.

Ownership category

akta.pro rank

Product category

Agricultural Social Security Services

NAICS

Religious, Grantmaking, Civic, Professional, and Similar Organizations (813)

SIC

Services-Social Services (8300), Hospital & Medical Service Plans (6324), Services-Membership Organizations (8600)

akta.pro primary industry

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)

Keywords

• Agricultural social security
• Health insurance coverage
• Family benefits administration
• Retirement pension services
• Occupational health services

Headquarters

HQ city

Saintes

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure

Revenue model

1. Social contributions (Cotisations sociales): MSA des Charentes collects social contributions from agricultural employers and self-employed farmers (exploitants agricoles) to fund health insurance, family benefits, retirement pensions, and workplace accident coverage. Contributions are calculated based on professional income and activity type.
2. Agricultural crisis support funding: Between 2021 and 2023, over 400 million euros were allocated by MSA to support farmers facing crises including consequences of the Ukraine war, frost episodes, and pig crisis. These funds come from dedicated crisis support budgets and are distributed as contributions to social contributions, payment facilities, and direct aid.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

MSA des Charentes is the local branch of France's Mutualité Sociale Agricole (MSA) covering the Charente and Charente-Maritime departments. It administers mandatory social protection for the agricultural workforce, providing health insurance, family benefits, retirement pensions, and occupational health and prevention services to farmers, farm employees, and their families.

Product overview

MSA des Charentes operates as a comprehensive social security organization for the agricultural sector, managing health insurance, family benefits, retirement, and social support services. The organization offers a unified platform architecture centered on Mon espace privé (online member portal) and the ma MSA et moi mobile application, supplemented by specialized programs including agricultural crisis support (Soutien agri'), psychological support (Mon soutien psy, Agri'écoute), fall prevention (LANTICHUTE), and youth health coaching (Instants Santé Jeunes). The digital services portfolio includes the Application carte Vitale for mobile health card access, Mon espace santé for personal health records, and Chatbot SAM for automated assistance. All services are oriented toward farmers, agricultural workers, and rural populations in the Charentes region of France.

Differentiator

Problem solved

Functional benefit

Products and services

• Agricultural health insurance (Assurance Maladie)

Quantifiable outcome

• Over 400 million euros in crisis support allocated to farmers (2021-2023)
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Action LogementminorStrategic or Co-development PartnerPartnership to provide housing assistance to seasonal agricultural workers, with aid up to 600 euros and VISALE guarantee for housing deposits.
• France ServicescoreStrategic or Co-development PartnerCollaboration with France Services network to provide simplified access to public administrative services in rural areas, particularly benefiting agricultural communities.
• Service de RemplacementcoreStrategic or Co-development PartnerPartnership with replacement services to provide agricultural workers with rest and recovery support, including funding for replacement during burnout situations.
• Ameli (Assurance Maladie)coreTechnology or IntegrationIntegration with Ameli systems for healthcare professional reimbursement processing, electronic health card services, and health data management.
• Agri-ecouteminorOthersAnonymous and confidential helpline for farmers experiencing stress and mental health challenges. Available at 09 69 39 29 19 (local call rate) or agriecoute.fr.
• HappyvisiominorOthersPartnership for Les P'tits Ateliers Nutritifs - interactive online workshops for parents of young children (0-3 years) on infant nutrition.
• Caisse d'Allocations familiales (CAF)coreStrategic or Co-development PartnerCoordination with CAF for housing assistance and family benefits, working together to serve beneficiaries across the French social protection system.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• CNAV (Caisse Nationale d'Assurance Vieillesse): National French retirement administration agency managing pensions for general workers, functionally analogous to MSA's retirement services for the agricultural sector. Comparable in administrative scale and service complexity.
• Harmonie Mutuelle: Major French mutual health insurance provider serving broader populations including agricultural workers. Comparable mutual structure and member services approach, though operating in different sectors beyond agriculture.
• Caisse Primaire d'Assurance Maladie (CPAM): Primary health insurance fund for the general French population, equivalent to MSA's health insurance arm but serving non-agricultural workers. CPAM operates the Ameli platform that integrates with MSA des Charentes services for healthcare professional reimbursement.
• AG2R La Mondiale: Major French mutual insurance group offering retirement, health, and social protection services. Operates in adjacent social protection space with similar mutual governance model but broader scope across industries.
• Mutualité Française: National federation representing the French mutual insurance movement. Operates as umbrella organization for mutual entities including MSA, providing industry coordination, advocacy, and standards.

Direct peers

• URSSAF: French social security contribution collection agency operating under a comparable public-law mutual framework as MSA. URSSAF collects social contributions from employers and workers across non-agricultural sectors with a similar mandate, governance, and digital service infrastructure.
• Caisse d'Allocations Familiales (CAF): French family benefits administration agency that coordinates directly with MSA des Charentes as a partner. CAF administers family allowances, housing assistance, and social benefits with comparable digital infrastructure and member services.
• Mutualia: French mutual health insurance provider with significant agricultural sector presence, offering comparable health coverage and member services to agricultural workers under a similar mutual governance model.
• Groupama: Leading French mutual insurance company with deep roots in the agricultural sector, offering property, casualty, and health insurance to farmers. Groupama is the most comparable private-sector peer given its agricultural focus and mutual structure serving the same demographic.

Others

• Crédit Agricole: France's leading agricultural bank with historical roots in serving the farming community. Provides complementary financial services to the same agricultural demographic served by MSA des Charentes, with similar regional presence in Charentes.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCLlovMAT34gqUK7PQ4p1LKA
• Facebookfacebook.com/charentes.msa
• LinkedInlinkedin.com/company/msa-des-charentes

Compliance2 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

Investments

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

Frequently asked questions about MSA des Charentes