Klesia Mutuelle
- Company typePrivate
- Founded-
- HeadquartersFrance, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
Klesia Mutuelle firmographics
Firmographics- Name
- Klesia Mutuelle
- Legal name
- KLESIA Mut'
- Website
- https://klesiamutuelle.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Klesia Mutuelle industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industry
- Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)
Keywords
Where Klesia Mutuelle is headquartered
LocationHeadquarters
- HQ city
- France
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Klesia Mutuelle business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Health Insurance Premiums (Mutuelle Santé): Klesia Mut' generates revenue through recurring premium payments from individual and enterprise members for health insurance coverage including optical, dental, hospitalization, and alternative medicine. The company also offers death insurance (prévoyance décès) as an additional revenue stream.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual health insurance for retirees and future retirees |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Klesia Mutuelle product offering
Product offeringCore offering
KLESIA Mut' is a French mutual insurance company that sells complementary health insurance (Mutuelle Santé) and death/disability prévoyance coverage primarily to retirees, future retirees, civil defense personnel, students, young people, and families. Its portfolio covers optical, dental, hospitalization, and alternative medicine, with automatic simplified reimbursement for GP consultations, and is supplemented by social financial aid, retirement accompaniment, care pathway services, assistance packs, wellness/prevention programs, and a Complémentaire Santé Solidaire offering for low-income beneficiaries.
Product overview
KLESIA Mut' is a mutual health insurance company offering a unified portfolio of health insurance and prévoyance (protection) products primarily targeting retirees, seniors, and civil servants in the French Defense sector. The core offering consists of Mutuelle Santé providing comprehensive health coverage (optical, dental, hospitalization, alternative medicine) with automatic reimbursement for general practitioner consultations, complemented by Prévoyance Décès insurance for financial protection of beneficiaries. Specialized offerings include Vita Santé for Defense civil personnel and Complémentaire Santé Solidaire for income-based subsidized coverage. The product suite extends through value-added services including retirement accompaniment, social financial aid, healthcare pathway facilitation, assistance packs, wellness and prevention programs, and the KLESIA Mut' Mag member publication. The company also offers member benefits through the Mes Bons Plans loyalty program.
Differentiator
Problem solved
Functional benefit
Products and services
- Mutuelle Santé Core complementary health insurance product offering comprehensive coverage including optical, dental, hospitalization, and alternative medicine. Designed primarily for retirees and senior citizens with automatic reimbursement for general practitioner consultations.
- Complémentaire Santé Solidaire State-subsidized solidarity complementary health insurance offering reduced rates for eligible low-income individuals based on income criteria.
- Prévoyance Décès Death insurance and prévoyance product designed to protect policyholder's loved ones financially in the event of death.
- Vita Santé Specialized bundled pack combining health insurance and death/disability prévoyance coverage designed specifically for civilian personnel of the French Defense ministry.
- Mes Bons Plans KLESIA Mut Member benefits program offering exclusive deals, discounts, and savings opportunities for KLESIA Mut' policyholders, including partner offers such as Banque Française Mutualiste.
- KLESIA Mut' Mag Seasonal member magazine publication providing health information, company news, wellness content, and lifestyle articles for members.
Quantifiable outcome
- Automatic simplified reimbursement for GP consultations (excluding digital MKM offer and Defense scope)
Companies that use Klesia Mutuelle
Customer profileSegments4 records
Ideal customer profiles3 records
Klesia Mutuelle technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Klesia Mutuelle partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Banque Française MutualisteminorKlesia Mut' partners with Banque Française Mutualiste to offer financial products and services to its members. This partnership allows Klesia Mut' to provide additional value to members through banking and financial services, creating a cross-selling opportunity.
Scale indicators1 record
Klesia Mutuelle competitors and assessment
Company assessmentDirect peers
- MGEN: Major French mutuelle providing health, prévoyance, and retirement support products to public-sector employees, families, and retirees. Directly comparable as a Code de la Mutualité mutuelle with retiree-focused offerings and a member-governance model.
- Harmonie Mutuelle: One of the largest French mutuelles offering individual and group health and prévoyance coverage, including for retirees. Directly comparable business model (mutuelle under Code de la Mutualité), similar product mix, and overlapping French customer base.
- AG2R La Mondiale: French mutual protection group offering health, prévoyance, savings, and retirement products to individuals and corporate clients. Directly comparable for the prévoyance décès and retirement-adjacent offerings and the AGIRC-ARRCO ecosystem overlap.
- Carcept Prev: Sister KLESIA Group entity focused on prévoyance for transport-sector workers. Comparable as a sibling entity within the KLESIA Group with shared group protection and prévoyance orientation, providing a benchmark for inter-entity economics.
- Malakoff Humanis: Large French group protection and health mutuelle serving employers and individuals, including retirees. Comparable on health + prévoyance bundle, group/individual distribution, and French-regulated mutual structure.
- Mutuelle Générale: Historic French health mutuelle offering individual and group health coverage with attention to seniors and retirees. Comparable on mutuelle structure, French-only footprint, and individual health focus.
Emerging players
- Alan: French digital-first health insurer serving individuals and SMEs with a modern mobile/web platform. Comparable as a competing French health insurer, but differentiated by tech stack; a credible alternative Klesia Mut' members or prospects may switch to.
Broad incumbents
- AXA France: Largest French insurer offering health, life, and prévoyance products to individuals and corporate clients. Comparable product portfolio but broader scope and substantially greater scale and brand recognition than Klesia Mut'.
- Crédit Mutuel Arkéa: French mutual banking group with insurance and protection activities serving individuals and seniors in France. Comparable on mutual governance and cross-sell of financial + health products, but operates at substantially larger scale.
- SwissLife France: French subsidiary of SwissLife offering health, prévoyance, and retirement/savings products to individuals and enterprises. Comparable on the prévoyance and retirement-adjacent product mix for French individuals.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Klesia Mutuelle social profiles
Digital presenceKlesia Mutuelle financial estimates
Financial estimateRevenue estimate
Valuation estimate
Klesia Mutuelle leadership team
Management profileNumber of profiles
Klesia Mutuelle funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Klesia Mutuelle 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 Klesia Mutuelle
What does Klesia Mutuelle do?
KLESIA Mut' is a French mutual insurance company that sells complementary health insurance (Mutuelle Santé) and death/disability prévoyance coverage primarily to retirees, future retirees, civil defense personnel, students, young people, and families. Its portfolio covers optical, dental, hospitalization, and alternative medicine, with automatic simplified reimbursement for GP consultations, and is supplemented by social financial aid, retirement accompaniment, care pathway services, assistance packs, wellness/prevention programs, and a Complémentaire Santé Solidaire offering for low-income beneficiaries.
Is Klesia Mutuelle a public or private company?
Klesia Mutuelle is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Klesia Mutuelle founded?
Klesia Mutuelle was founded in -1. It employs 11 to 50 people.
Where is Klesia Mutuelle based?
Klesia Mutuelle is headquartered in France, France, in the Europe region.
How does Klesia Mutuelle make money?
One revenue line is on record: health Insurance Premiums (Mutuelle Santé).
Who are Klesia Mutuelle's main competitors?
Direct peers on record are MGEN, Harmonie Mutuelle, AG2R La Mondiale, Carcept Prev, Malakoff Humanis and Mutuelle Générale. Alan is listed as an emerging player. Broad incumbents are AXA France, Crédit Mutuel Arkéa and SwissLife France.
Does Klesia Mutuelle have an API?
No public API is recorded for Klesia Mutuelle.
What industry is Klesia Mutuelle in?
Klesia Mutuelle's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of FSAIAKAF, Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid). Its NAICS code is 52411 and its SIC code is 6321.