Mutuelle santé Complévie

What Mutuelle santé Complévie does

Complévie is a French mutual health insurance company (mutuelle) governed by the Code de la mutualité and supervised by the ACPR, formed from the merger of two predecessor mutuelles, ASPBTP and UNIMUTUELLES. Headquartered in Caen, the company delivers health, prévoyance, and ancillary P&C insurance products to individuals, self-employed workers, territorial civil servants, and small-to-mid businesses across Normandie, Bretagne, and Pays de la Loire through seven physical agencies and direct advisor relationships.

The product portfolio is segmented by customer profile — students, job seekers, individual families, ALD/invalidity patients, seniors, territorial agents, self-employed (TNS) workers under the Madelin Law, village mutual participants, and Complémentaire Santé Solidaire recipients — alongside six collective-agreement product lines for SMB employers (Bâtiment, SYNTEC, Transports Sanitaires, Métallurgie, Transports Routiers, Services de l'Automobile). Complévie supplements its core offering with prévoyance products (death, disability, dependency, funeral), legal protection, teleassistance via Ma Mutuelle Assistance, and healthcare network services via Santéclair, while operating member portals (Espace adhérent, Espace entreprise, Espace TNS, Espace professionnels de santé) and a mobile application with click-and-collect pharmacy functionality.

The business model is subscription-based, collecting monthly premiums calibrated to member status through a direct-to-consumer and direct-to-SMB motion. Pricing is not publicly disclosed but is described as adapted to the member's circumstances and status, with online quotes available. As a non-listed mutual cooperative, Complévie is member-owned and not-for-profit, with no disclosed venture or institutional funding and no public revenue figures.

Name

Mutuelle santé Complévie

Legal name

COMPLÉVIE

Website

https://complevie.fr

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Complévie is a French mutual health insurance company serving individuals, self-employed workers, and SMBs across Normandie, Bretagne, and Pays de la Loire through seven physical agencies, direct advisor contact, and partner-led healthcare and teleassistance services.

Ownership category

akta.pro rank

Product category

Health Insurance (Mutuelle Santé)

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industry

Disease-Specific & Condition-Specific Critical Illness (e.g., Cancer, Heart/Stroke) (FSAIAKAH)

Keywords

• Mutual health insurance
• Complementary health coverage
• Collective health insurance
• Provident insurance products
• Individual health plans

Headquarters

HQ city

Caen

HQ country

France

HQ region

Europe

Offices8 records

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: Complévie generates revenue through subscription-based health insurance premiums paid by individuals, job seekers, seniors, disabled persons, territorial agents, self-employed workers (TNS), and businesses. Premiums are collected according to the member's status and chosen coverage level.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Complévie is a French mutual health insurance company (mutuelle) that sells complementary health insurance plans supplementing French Social Security reimbursements. Its portfolio includes segmented individual health plans (students, job seekers, disabled/ALD, seniors, territorial civil servants, self-employed, village mutual members, low-income CSS), mandatory collective health and prévoyance contracts for businesses of 1-200 employees under multiple CCN conventions, plus ancillary insurance lines (auto, home, school, borrower, legal protection, teleassistance, funeral, dependency, life accident).

Product overview

Complévie is a mutual health insurance company offering a comprehensive portfolio of health insurance products segmented by customer profile (students, unemployed, disabled, seniors, territorial employees, self-employed, and companies), along with providence and general insurance products. The core offering includes individual and collective health insurance plans, with specialized versions for various collective agreements (building, SYNTEC, transport, metallurgy). Add-on products include accident insurance, legal protection, teleassistance, funeral insurance, dependency coverage, auto insurance, home insurance, school insurance, and borrower insurance. Service platforms include member portals (Espace adhérent, Espace entreprise, Espace TNS, Espace professionnels de santé) and a mobile application. The company also partners with Santéclair for healthcare network services and teleconsultation capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutuelle santé particulier
• Mutuelle santé étudiant
• Mutuelle santé demandeur d'emploi
• Mutuelle santé invalide / Affection de longue durée (ALD)
• Mutuelle santé senior
• Mutuelle santé territoriaux
• Mutuelle de village
• Complémentaire santé solidaire (CSS)
• Mutuelle santé TNS
• Mutuelle entreprise / Mutuelle obligatoire
• Convention collective Bâtiment
• Convention collective SYNTEC
• Convention collective Transport sanitaire
• Convention collective Métallurgie
• Convention collective Transports routiers
• Convention collective Services de l'automobile
• Prévoyance collective
• Garantie accidents de la vie
• Protection juridique
• Téléassistance Prévifil
• Garantie obsèques
• Garantie dépendance
• Assurance auto
• Assurance habitation
• Assurance scolaire
• Assurance emprunteur

Quantifiable outcome

• More than 6,000 disabled members covered in 2023

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• SantéclaircoreTechnology or IntegrationSantéclair is a health network partner providing services to help members make informed health choices. Services include teleconsultation, second medical opinion, symptom analysis, and access to network of health professionals at negotiated rates. The partnership provides Complévie members with health optimization services including network of partner healthcare providers.
• Ma Mutuelle AssistancecoreOthersMa Mutuelle Assistance provides teleassistance services for members, particularly seniors, enabling them to maintain independence at home with fall detection and emergency response capabilities.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Harmonie Mutuelle: Leading French mutual health insurer offering individual and collective supplemental health insurance across France. Directly comparable as a mutuelle governed by the Code de la mutualité with a multi-segment product portfolio similar to Complévie.
• Malakoff Humanis: Major French group health and prévoyance insurer serving both individuals and enterprises, including CCN-compliant collective contracts. Directly comparable on B2B/B2C supplemental health and prévoyance product mix.
• Aesio Mutuelle: French mutual health insurer formed through mergers of regional mutuelles (including in Western France). Directly comparable as a multi-regional mutuelle offering health, prévoyance and dépendance products to individuals and businesses.
• MGEN: Major French mutual insurer focused on health and prévoyance for public sector employees, students, and individuals. Directly comparable as a mutuelle with persona-driven segmentation (territoriaux equivalent, students, seniors).
• Henner: Independent French health and prévoyance insurer specializing in individual, group and CCN-compliant contracts for SMEs. Comparable to Complévie's SME (1–200 employee) and CCN-focused B2B proposition.
• Mutuelle Générale: National French mutuelle providing individual and group health insurance. Operates under the same Livre II regulatory framework as Complévie and serves a comparable set of personas including seniors, employees and TNS.

Broad incumbents

• AXA France: Large incumbent insurer offering health, auto, home and life products across France. Competes with Complévie's auto, home and school insurance add-ons but does not specialize in the mutuelle/NEC niche.
• SwissLife France: National life and health insurer in France offering individual and group coverage. Comparable as a broader portfolio incumbent in health insurance but not specialized as a mutual.

Emerging players

• Alan: French digital-first health insurer offering modern, app-based supplemental health coverage primarily to SMEs and individuals. Represents the digital-native disruptor whose growth trajectory Complévie must contend with in the regional French market.

Others

• April Group: French insurance broker/distributor connecting individuals and businesses to health, prévoyance and P&C carriers. Relevant as a competitive distribution channel in Complévie's regional SME and individual segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/complevie
• LinkedInlinkedin.com/company/mutuelle-complevie
• Instagraminstagram.com/mutuelle.complevie

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Mutuelle santé Complévie