LE REFUGE MUTUALISTE AVEYRONNAIS

What LE REFUGE MUTUALISTE AVEYRONNAIS does

Le Refuge Mutualiste Aveyronnais is an independent, non-profit mutual health insurance company (mutuelle) founded on July 27, 1952 in Millau, Aveyron, France, and operating under the French Code de la Mutualité. It provides complementary health insurance (complémentaire santé) to approximately 6,000 covered persons across multiple segments: individuals (Particuliers), businesses and associations under the 2016 ANI framework, self-employed workers eligible for Madelin tax deductions, territorial civil servants with labeled contracts, and residents covered through municipal/village mutuals (Mutuelle communale and Mutuelle de village). The product portfolio spans multiple guarantee tiers (Essentielle, Maximale, Maximale+Option, Confort, Accessible, Economique, Economique+Option, Chirurgicale) and includes specialized programs such as Pass Mutuelle Etudiant (€100 annual aid per bursary student) and a referral/parrainage program.

The business operates on a subscription-based premium model with monthly billing, anchored by direct distribution through two physical agencies — the Millau headquarters and a second agency in Rodez opened in September 2024 — supplemented by online quote requests, enterprise field sales via a dedicated mutual adviser, and municipal/CCAS partnership channels. Member coverage is governed by mutualist solidarity principles (no medical questionnaire, no waiting periods, no age limits, free coverage for third and onward children, preferential young member rates up to age 27). The organization employs 9 salaried staff and is governed by 17 volunteer administrators; it is a member of the ADPM/FDPM federation (since 2007) and obtained the ESUS label in 2024.

Technically, the mutuelle uses standard back-office automation: an SSL-encrypted member portal, secure online payment infrastructure, and automated data exchange/reimbursement integration with the French Sécurité sociale (Ameli), MSA, and LMDE regimes. No proprietary technology, AI/ML systems, or mobile applications are disclosed. Revenue figures are not publicly reported, and growth is funded organically through member premiums.

Name

LE REFUGE MUTUALISTE AVEYRONNAIS

Legal name

Le Refuge Mutualiste Aveyronnais

Website

https://lerefugemutualiste.com

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

1–10 employees

Short description

Independent non-profit mutual health insurance company founded in 1952 in Millau, France, providing complementary health coverage to approximately 6,000 individuals, businesses, self-employed workers, and territorial agents across the Aveyron department.

Ownership category

akta.pro rank

Product category

Complementary Health Insurance (Mutuelle Santé)

NAICS

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

SIC

Services-Health Services (8000)

akta.pro primary industry

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

akta.pro secondary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Complementary health insurance
• Mutual health coverage
• Collective health contracts
• Solidarity health mutual
• Communal health insurance

Headquarters

HQ city

Millau

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Cotisations membres (Subscription premiums): Recurring premium contributions from individual members, self-employed professionals, and employees covered under company collective plans. Premiums are based on selected guarantee tiers and can be deducted from taxable income under Madelin law for self-employed or as employer/employee contributions for businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Le Refuge Mutualiste Aveyronnais is a non-profit mutual health insurance company offering complementary health coverage (mutuelle santé) to individuals, self-employed workers, businesses/associations, territorial agents, and municipalities in the Aveyron department of France. It sells tiered health guarantee plans (Essentielle, Maximale, Maximale+Option, Confort, Accessible, Economique, Economique+Option, Chirurgicale), Madelin-eligible contracts, ANI-compliant collective company plans, labeled territorial agent contracts, communal/village mutuals, and the Pass Mutuelle Etudiant program.

Product overview

Le Refuge Mutualiste is an independent, non-profit mutual health insurance company offering a comprehensive portfolio of health insurance products across multiple segments. The core offerings include individual health guarantees (Essentielle, Maximale, Maximale+Option, Confort, Accessible, Economique, Economique+Option, Chirurgicale), Madelin contracts for self-employed workers, collective ANI contracts for businesses, labeled contracts for territorial employees, and municipal mutual insurance for communes. The company differentiates through immediate coverage without waiting periods, no age limits, preferential young member rates until age 27, free coverage for third and subsequent children, third-party payment networks, and solidarity-based pricing. The portfolio is complemented by a referral program and student mutual pass.

Differentiator

Problem solved

Functional benefit

Brands

• Pass Mutuelle Etudiant: Student mutual health assistance program offering 100 euros per student per academic year for supplementary health insurance subscription in Occitanie region.
• Mutuelle Communale
• Mutuelle de Village

Products and services

• Garanties Individuelles (Particuliers) Health insurance coverage for individuals with multiple guarantee tiers (Essentielle, Maximale, Maximale+Option, Confort, Accessible, Economique, Economique+Option, Chirurgicale), offering coverage from 100% of social security base through enhanced optical, dental, and private room benefits. Features immediate activation with no waiting period and no medical questionnaire.
• Garanties Madelin (Travailleur Non Salarié) Health insurance coverage for self-employed workers (artisans, merchants, liberal professions) with 8 guarantee options, including 4 eligible for Madelin tax deduction that allows deductibility of contributions from taxable income. Designed to provide tax-optimized health coverage for variable-income earners.
• Contrat Collectif Entreprise (ANI) Collective health insurance for businesses and associations complying with the National Interprofessional Agreement (ANI), with the employer contributing at least 50% of premiums and tax-deductible corporate contributions. Includes a dedicated mutual adviser for business clients.
• Contrat Labellisé Agent Territorial Labeled health insurance for territorial civil servants (agents territoriaux) with 3 labeled coverage options eligible for employer financial participation, featuring automatic reimbursement with most mandatory regimes and personalized administrative support.
• Mutuelle Communale et Mutuelle de Village Municipal mutual health insurance for communes and villages, offering lower-cost quality health coverage through communal mutualization, with advantages including preferential rates, solidarity between residents, and regular on-site service availability in the commune.
• Pass Mutuelle Etudiant Student mutual aid program providing €100 per student per academic year for bursary students in the Occitanie region not eligible for national health programs (CSS or ACS), covering basic medical care, pharmacy, and hospitalization. No upfront payment required from the student.

Quantifiable outcome

• €100 annual aid per bursary student through Pass Mutuelle Etudiant program
• +2 more outcomes

Segments6 records

Ideal customer profiles6 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 core and secondary.

• ADPM (Association Diversité et Proximité Mutualiste)coreOthers · 1 January 2007Member since 2007 of ADPM, an association grouping around a hundred mutuals and mutual groupings. ADPM promotes diversity and mutual proximity in the French mutualist landscape.
• FDPM (Fédération Diversité et Proximité Mutualiste)coreOthers · 1 January 2007Member since 2007 of FDPM federation, the umbrella organization for ADPM member mutuals. Provides support, resources, and representation for member organizations.
• Sécurité sociale (Ameli)coreTechnology or IntegrationAutomated data exchange and reimbursement integration with the mandatory French health insurance system (Sécurité sociale) for streamlined claims processing.
• MSA (Mutualité Sociale Agricole)secondaryTechnology or IntegrationAutomated reimbursement integration with MSA for agricultural sector workers covered under the agricultural social security regime.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Harmonie Mutuelle: One of France's largest complementary health mutuelles, serving individuals, businesses, and public-sector employees nationwide. Direct comparable in product offering (complémentaire santé) and segment coverage, but operates at vastly greater scale than Le Refuge Mutualiste.
• Vyv (Groupe VYV): Leading French mutualist group formed from the merger of several complementary health mutuals. Comparable as a federation of mutuelles operating under the Code de la Mutualité and offering employer-sponsored (ANI), individual, and territorial coverage — overlapping heavily with Le Refuge's product mix.

Peers

• Malakoff Humanis:

Direct peers

• Mutuelle Générale: French non-profit health mutuelle providing complementary health coverage to individuals, families, and professionals under the Code de la Mutualité. Operates with the same member-owned, solidarity-based mutualist governance model as Le Refuge Mutualiste, but at national scale.
• MGEL (Mutuelle Générale de l'Education Nationale): French student-focused health mutuelle offering complementary health insurance to higher-education students, including a Pass Mutuelle-style student aid. Highly comparable to Le Refuge's Pass Mutuelle Etudiant offering and broader individual/student segment approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Le-Refuge-Mutualiste-Aveyronnais-100076757160483
• LinkedInlinkedin.com/company/le-refuge-mutualiste-aveyronnais
• Instagraminstagram.com/refuge.mutualiste.aveyronnais

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 LE REFUGE MUTUALISTE AVEYRONNAIS