La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie

What La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie does

La Fraternelle des Territoriaux, now operating as Mutuelle de France Unie - Pôle Fonction Publique, is a French mutual insurance organization (mutuelle) founded in 1936 and headquartered in Grenoble, Auvergne-Rhône-Alpes. The entity is structured as a member-owned non-profit governed by Book II of the Code de la Mutualité and registered with INSEE under number 776 531 642. With a workforce of just 7 employees, it functions as a niche mutual serving French public sector employees, specifically agents territoriaux (local government), agents hospitaliers (hospital), and agents d'État (state civil servants), plus their dependents.

The product portfolio is organized into three core guarantee categories: complementary health insurance (Nos garanties Santé), provident insurance covering work stoppage and death (Nos garanties Prévoyance), and property-casualty insurance including home, auto, school (from €14/year), and legal protection (Nos garanties Assurance). Add-on services include a health assistance service and a preferred healthcare provider network. Two online portals support the model: an adherent member portal and a healthcare professional portal. The core technology stack is not publicly disclosed, and no AI/ML capabilities are indicated.

The business model is subscription-based recurring premiums, primarily monthly billing for health insurance and annual billing for ancillary products such as school insurance. Distribution combines a physical agency in Grenoble, telephone service, online quote/subscription portals, and annual event presence at the Congress of Mayors of Isère. The organization operates exclusively within France, has no parent company or subsidiaries, and reported no disclosed revenue or funding events. Leadership is held by Michel Vanotti, President of the Pôle Fonction Publique, and the entity is affiliated with the broader Mutuelles de France federation ecosystem.

Name

La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie

Legal name

Mutuelle de France Unie

Website

https://fraternelledesterritoriaux.fr

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

1–10 employees

Short description

Mutuelle de France Unie - Pôle Fonction Publique is a French mutual insurance provider founded in 1936, headquartered in Grenoble, offering complementary health, provident, and property-casualty insurance to French public sector employees and their families.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Group Universal Life (GUL) (FSAIADAC)

Keywords

• Mutual health insurance
• Complementary health coverage
• Provident insurance
• Public sector insurance
• Property casualty insurance

Headquarters

HQ city

Grenoble

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mutual health insurance contributions: Subscription-based health insurance contributions from public sector employees (agents territoriaux, hospitaliers, and d'État). Members pay recurring premiums in exchange for health coverage, provident insurance, and other protection products.

Pricing tiers

Distribution channels3 records

Marketing channels5 records

Core offering

Mutuelle de France Unie – Fonction Publique (formerly La Fraternelle des Territoriaux) is a French mutual insurance organization that sells complementary health insurance (Nos garanties Santé), provident/protection insurance (Nos garanties Prévoyance covering work stoppage, death, and disability), and property-casualty insurance products (home, auto, school, legal protection) tailored to French public sector employees (territorial, hospital, and state agents). The mutuelle also offers supplementary services including a health assistance service, a healthcare provider network, and online member portals for policyholders and healthcare professionals.

Product overview

La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie operates as a mutual health insurance provider offering a unified portfolio of social protection products for French public sector employees. The core offering consists of three main insurance categories: complementary health insurance (Nos garanties Santé), providence/protection insurance (Nos garanties Prévoyance), and property-casualty insurance (Nos garanties Assurance). These are complemented by supplementary services including a health assistance service and a healthcare provider network. The organization also provides digital member portals for both policyholders (Espace Adhérent) and healthcare professionals (Espace Professionnel de santé). Founded in 1936 and headquartered in Grenoble, the company operates under the mutual insurance framework of the French Mutual Insurance Code (Livre II du Code de la Mutualité).

Differentiator

Problem solved

Functional benefit

Products and services

• Nos garanties Santé

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• Mutuelles de France (logo partner)minorOthersDisplayed as partner logo on website footer. Part of the broader Mutuelles de France group network.
• Groupe EntisminorOthersDisplayed as partner logo on website footer. Groupe Entis is part of the mutual insurance group ecosystem.
• Mutualité FrançaiseminorOthersDisplayed as partner logo on website footer. Affiliated with the French mutual insurance federation.
• M Générale de PrévoyanceminorOthersDisplayed as partner logo on website footer. Partner mutual provident insurance organization.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Macif: Macif is a major French mutual insurer offering home, auto, health, and prévoyance products to a broad member base including public sector employees. Comparable as a large French mutual with overlapping P&C and health product lines.
• AXA France: AXA France is the French arm of a global insurer offering health, prévoyance, and P&C products to individuals and public sector employees through collective contracts. Comparable for the breadth of insurance products offered to French public sector workers.
• Harmonie Mutuelle: Harmonie Mutuelle is one of France's largest health mutuelles, offering complementary health, prévoyance, and personal services nationally. It is comparable as a mutual competitor in the broader French health insurance market, including public sector members.
• AG2R La Mondiale: AG2R La Mondiale is a leading French insurance group specializing in retirement, prévoyance, and health protection. Comparable for its prévoyance and protection offerings to public sector and corporate clients.
• AÉSIO Mutuelle: AÉSIO is a major French mutual health insurer formed from the merger of several regional mutuelles, serving individuals, professionals, and public sector employees. Comparable as a broad-based mutual insurer with public sector product offerings.

Direct peers

• MGEN (Mutuelle Générale de l'Éducation Nationale): MGEN is a major French mutual serving public sector employees (primarily education), providing complementary health insurance, prévoyance, and social services. Comparable as a public-sector-focused mutual under Code de la Mutualité with a similar multi-product portfolio.
• MNT (Mutuelle Nationale Territoriale): MNT is the leading French mutual dedicated to territorial public sector employees (agents territoriaux), offering complementary health, prévoyance, and social protection products. It is the closest direct competitor to La Fraternelle des Territoriaux in both target segment and product mix.
• Klesia: Klesia is a French mutual protection group specializing in prévoyance, health, and retirement services for public sector and corporate employees. It directly competes in the prévoyance and health segments for French civil servants.
• CNAS (Centre National d'Action Sociale): CNAS provides social action benefits and complementary insurance products (health, prévoyance, leisure) to territorial public sector employees and their families through partner mutuelles. It is comparable in target audience and complementary offerings.

Emerging players

• Alan: Alan is a French health insurtech offering digital-first complementary health insurance to individuals, professionals, and SMEs (including public sector employees). Comparable as a French health insurer competing for the same end customers with a modern digital experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MutuelledeFranceUnie
• LinkedInlinkedin.com/company/mutuelle-fraternelle-des-territoriaux

Compliance1 record

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 La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie