Mutuelle du Nickel
Mutuelle du Nickel (MDN) is a non-profit mutual complementary health insurer headquartered in Nouméa, New Caledonia. Founded in 1969, it serves individuals and enterprises across the territory through tiered subscription contracts and an owned network of five multi-specialty healthcare centers.
- Company typePrivate
- Founded1969
- HeadquartersNouméa, New Caledonia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Mutuelle du Nickel does
Mutuelle du Nickel (MDN) is a non-profit mutual health insurance organization (mutuelle complémentaire santé) headquartered in Nouméa, New Caledonia, operating under the Code de la Mutualité Calédonienne since 2013. Founded in 1969 as the Société Mutualiste du Personnel de la SLN and renamed to Mutuelle du Nickel in 2006, it is the first and largest health mutual in the territory, with 55+ years of continuous operation and membership in the Fédération Nationale de la Mutualité Française since 2007. Following a statutes reform effective in 2025, MDN opened individual membership to the entire population of New Caledonia, ending a historical restriction to Société Le Nickel (SLN) employees and their families.
MDN combines complementary health insurance with an owned-and-operated network of five multi-specialty healthcare centers across New Caledonia (Doniambo, Quartier Latin, PK7, La Foa, Koné), supplemented by a convention with the Mutuelle des Fonctionnaires de Bourail. The centers deliver dental, optical (under the 'Les Opticiens Mutualistes' sub-brand), ophthalmology, and hearing (under 'Audition Mutualiste') services — often free of charge to members — and are supported by a tiers-payant network of partner pharmacies, clinics, and laboratories including the Centre Hospitalier Territorial and Clinique Kuindo-Magnin. Digital infrastructure consists of a member self-service portal (adherent.mdn.nc), an employer portal (employeur.mdn.nc), and a 24/7 account-less online appointment booking module; the firm reports no mobile app, no public API, and no disclosed AI capabilities.
The revenue model is subscription-based, charging recurring monthly premiums (cotisations) on age-tiered individual contracts (Santal, Copra, Niaouli, ranging 2,390–11,390 CFP/month) and flat-rate per-employee group contracts (Simple, Clair, Nickel at 3,470–5,970 CFP/month/employee), with healthcare delivery costs absorbed into premiums rather than billed per service. Distribution is sales-led and direct: individual enrollment via website/contact form and B2B employer plans sold to local enterprises, with the healthcare centers themselves acting as both retention assets and physical funnels. MDN employs approximately 17 people in core administrative roles, has no parent company or external investors, and is extending its product line to include Collective Provident Insurance (Capital décès/invalidité) in 2026.
Mutuelle du Nickel firmographics
Firmographics- Name
- Mutuelle du Nickel
- Legal name
- Mutuelle du Nickel
- Website
- https://mdn.nc
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mutuelle du Nickel (MDN) is a non-profit mutual complementary health insurer headquartered in Nouméa, New Caledonia. Founded in 1969, it serves individuals and enterprises across the territory through tiered subscription contracts and an owned network of five multi-specialty healthcare centers.
- Ownership category
- akta.pro rank
Mutuelle du Nickel industry classification
Industry- Product category
- Complementary Health Insurance (Mutuelle de Santé)
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- CO-OP / Nonprofit Individual Market Plans (HLAEABAH)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Stand-Alone Dental Plans (Individual/Family) (HLAEAIAF)
Keywords
Where Mutuelle du Nickel is headquartered
LocationHeadquarters
- HQ city
- Nouméa
- HQ country
- New Caledonia
- HQ region
- Oceania
Offices6 records
Markets served
Mutuelle du Nickel business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Health Insurance Premiums (Cotisations): Monthly subscription fees collected from individual voluntary members (particuliers/volontaires) and employer-sponsored group plans (entreprises). Premiums are tiered by age for individual plans and flat-rate per employee for employer plans.
- Healthcare Services: Free healthcare services (dental, optical, ophthalmology, hearing) provided to members at affiliated centers, with costs covered through the mutual insurance premiums rather than per-service fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Santal - Essential coverage for individuals, starting at 2,390 F/month |
| Subscription | Monthly | Copra - Balanced protection for individuals, starting at 2,990 F/month |
| Subscription | Monthly | Niaouli - Maximum protection for individuals, starting at 3,590 F/month |
| Subscription | Monthly | Simple - Basic enterprise plan at 3,470 F/month per employee |
| Subscription | Monthly | Clair - Intermediate enterprise plan at 4,670 F/month per employee |
| Subscription | Monthly | Nickel - Premium enterprise plan at 5,970 F/month per employee |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Mutuelle du Nickel product offering
Product offeringCore offering
Mutuelle du Nickel is a non-profit mutual health insurance organization in New Caledonia offering complementary health insurance to individuals and enterprises. It underwrites age-tiered individual plans (Santal, Copra, Niaouli) and flat-rate employer plans (Simple, Clair, Nickel), and vertically delivers care through its own network of dental, optical, ophthalmology, and hearing centers where members receive free or subsidized treatment.
Product overview
Mutuelle du Nickel (MDN) is a mutual health insurance company operating in New Caledonia with over 50 years of history. The company offers a unified portfolio of complementary health insurance products structured around two tiers: individual voluntary contracts (Santal, Copra, Niaouli) for personal coverage and employer contracts (Simple, Clair, Nickel) for businesses. These core insurance products are complemented by an integrated network of healthcare service centers including dental cabinets, ophthalmology clinics, optical retail (Les Opticiens Mutualistes sub-brand), and hearing centers (Audition Mutualiste) that provide free or discounted care to members. Digital services include an online appointment booking system (RDV en ligne) and member/employer portals. The company recently expanded its offerings to include collective provident insurance (death/invalidity capital) in 2026.
Differentiator
Problem solved
Functional benefit
Brands
- Les Opticiens Mutualistes: Optical centers offering glasses, lenses, and hearing aids at preferential mutualist prices, the number one brand in New Caledonia.
Products and services
- Contrat Santal Essential complementary health insurance coverage for individuals, starting at 2,390 F/month for ages 0-30, with a 500 F entry fee. Covers medical consultations, dental care (90%), optical (100%), and hearing aids (90-100%), plus access to MDN mutualist healthcare centers.
- Contrat Copra Intermediate complementary health insurance coverage for individuals, age-tiered from 2,990 F/month (0-30 years) to 10,390 F/month (81+ years). Includes enhanced dental protheses (140%), orthodontic coverage (140%), and additional services such as osteodensitometry.
- Contrat Niaouli Maximum complementary health insurance coverage for individuals, age-tiered from 3,590 F/month (0-30 years) to 11,390 F/month (81+ years). Highest reimbursement levels including dental protheses (240%), orthodontic (240%), hearing aids (200%), and maximum optical allowances.
- Contrat Simple (Entreprise) Entry-level employer-sponsored health insurance plan for businesses at 3,470 F/month per employee, providing essential coverage including 100% medical consultations, 140% dental protheses, 200% hearing aids, and basic optical allowances.
- Contrat Clair (Entreprise) Mid-tier employer health insurance plan for businesses at 4,670 F/month per employee, with enhanced coverage including 240% orthodontic, 240% dental protheses, and additional wellness benefits such as sophrology and dietetic consultations.
- Contrat Nickel (Entreprise) Maximum-coverage employer health insurance plan at 5,970 F/month per employee, including 440% orthodontic, 440% dental protheses, private room coverage, comprehensive wellness allowances, and psychological follow-up support.
- Cabinets Dentaires MDN MDN dental centers providing free treatments and discounted prosthetics exclusively for MDN members at locations in Doniambo, La Foa, and Koné.
- Cabinets d'Ophtalmologie MDN MDN ophthalmology centers providing free medical consultations and eye care services for members, with locations in Doniambo, Quartier Latin, PK7, La Foa, and Koné.
- Les Opticiens Mutualistes Optical retail sub-brand under MDN offering a wide selection of frames, lenses, and contact lenses at preferential mutualist prices, with optical centers across New Caledonia including Doniambo, Quartier Latin, PK7, La Foa, and Koné.
- Audition Mutualiste Hearing care center providing hearing tests and hearing aids at subsidized rates for MDN members, addressing limited CAFAT reimbursements for audio equipment. Locations include PK7 and a provisional cabinet.
- Prévoyance Collective Collective provident insurance providing death and invalidity capital coverage, announced as a new activity for 2026.
Quantifiable outcome
- Free dental care and discounted protheses for members at MDN centers
- +2 more outcomes
Companies that use Mutuelle du Nickel
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Mutuelle du Nickel technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Mutuelle du Nickel partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Fédération Nationale de la Mutualité FrançaisecoreMDN became a member of the Fédération Nationale de la Mutualité Française in 2007, providing institutional affiliation and access to mutualist network resources and best practices.
- Mutuelle des Fonctionnaires de BourailminorConvention agreement allowing MDN members to access dental services at the Mutuelle des Fonctionnaires de Bourail, expanding geographic coverage in the Bourail area.
- CAFAT (Caisse d'Allocations Familiales de Nouvelle-Calédonie)coreMDN operates as a Section locale de la CAFAT since 1979, coordinating complementary health coverage with government RUAMM/CAFAT reimbursements for members.
- Tiers-Payant Network ProviderscoreExtensive network of tiers-payant partners including Pharmacies Mutualistes (Pont des français, Pouembout), pharmacies privées, private optical and audio centers, Centre Hospitalier Territorial, Clinique Kuindo-Magnin, provincial hospitals, radiologues, laboratoires, sleep apnea suppliers, and Clinique mutualiste Montsouris Paris.
Scale indicators3 records
Recent moves24 records
Expansion highlights5 records
Mutuelle du Nickel competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat5 records
Key risks1 record
Key highlights6 records
Customer concentration
Mutuelle du Nickel social profiles
Digital presenceMutuelle du Nickel compliance and trust
Trust signalCompliance1 record
Mutuelle du Nickel financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mutuelle du Nickel leadership team
Management profileNumber of profiles
Profiles2 records
Mutuelle du Nickel funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mutuelle du Nickel 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 Mutuelle du Nickel
What does Mutuelle du Nickel do?
Mutuelle du Nickel is a non-profit mutual health insurance organization in New Caledonia offering complementary health insurance to individuals and enterprises. It underwrites age-tiered individual plans (Santal, Copra, Niaouli) and flat-rate employer plans (Simple, Clair, Nickel), and vertically delivers care through its own network of dental, optical, ophthalmology, and hearing centers where members receive free or subsidized treatment.
Is Mutuelle du Nickel a public or private company?
Mutuelle du Nickel is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Mutuelle du Nickel founded?
Mutuelle du Nickel was founded in 1969. It employs 11 to 50 people.
Where is Mutuelle du Nickel based?
Mutuelle du Nickel is headquartered in Nouméa, New Caledonia, in the Oceania region.
How does Mutuelle du Nickel make money?
Two revenue lines are on record. Health Insurance Premiums (Cotisations) is the primary driver. The others are healthcare Services.
Does Mutuelle du Nickel have an API?
No public API is recorded for Mutuelle du Nickel.
What industry is Mutuelle du Nickel in?
Mutuelle du Nickel's product category is Complementary Health Insurance (Mutuelle de Santé). Its primary akta.pro industry code is HLAEABAH, CO-OP / Nonprofit Individual Market Plans, with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 52411 and its SIC code is 6399.