La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie
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.
- Company typePrivate
- Founded1936
- HeadquartersGrenoble, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
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.
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie firmographics
Firmographics- 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
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie industry classification
Industry- 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
Where La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie is headquartered
LocationHeadquarters
- HQ city
- Grenoble
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Annual | School insurance starting from 9€/year |
| Subscription | Monthly | Health insurance - quote-based pricing |
Distribution channels3 records
Marketing channels5 records
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie product offering
Product offeringCore 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
Companies that use La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie
Customer profileSegments4 records
Ideal customer profiles2 records
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- Mutuelles de France (logo partner)minorDisplayed as partner logo on website footer. Part of the broader Mutuelles de France group network.
- Groupe EntisminorDisplayed as partner logo on website footer. Groupe Entis is part of the mutual insurance group ecosystem.
- Mutualité FrançaiseminorDisplayed as partner logo on website footer. Affiliated with the French mutual insurance federation.
- M Générale de PrévoyanceminorDisplayed as partner logo on website footer. Partner mutual provident insurance organization.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie competitors and assessment
Company assessmentBroad 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
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie social profiles
Digital presenceLa Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie compliance and trust
Trust signalCompliance1 record
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie financial estimates
Financial estimateRevenue estimate
Valuation estimate
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie leadership team
Management profileNumber of profiles
Profiles1 record
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie M&A and investment
M&A and investmentM&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
What does La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie do?
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.
Is La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie a public or private company?
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie founded?
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie was founded in 1936. It employs 1 to 10 people.
Where is La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie based?
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie is headquartered in Grenoble, France, in the Europe region.
How does La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie make money?
One revenue line is on record: mutual health insurance contributions.
Who are La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie's main competitors?
Broad incumbents on record are Macif, AXA France, Harmonie Mutuelle, AG2R La Mondiale and AÉSIO Mutuelle. Direct peers are MGEN (Mutuelle Générale de l'Éducation Nationale), MNT (Mutuelle Nationale Territoriale), Klesia and CNAS (Centre National d'Action Sociale). Alan is listed as an emerging player.
Does La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie have an API?
No public API is recorded for La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie.
What industry is La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie in?
La Fraternelle des Territoriaux - Pôle Fonction Publique de la Mutuelle de France Unie's product category is Mutual Health Insurance. Its primary akta.pro industry code is HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity), with a secondary code of FSAIADAC, Group Universal Life (GUL). Its NAICS code is 5242 and its SIC code is 6411.