What MUTA does

MUTA is a member-owned mutual insurance company operating exclusively on Réunion Island, a French overseas department (974) with approximately 900,000 residents. It is structured under the Groupe Mutualité de la Réunion: Mutualité de la Réunion (MR, SIREN 321 073 470) is the ACPR-regulated insurer under Book II of the French Code de la mutualité; Mutuelle Générale Solidarité Réunion (MGSR, SIREN 388 213 423) is the primary entity through which members subscribe to MUTA contracts; and Muta Assurances EURL (SIREN 491 197 638) is a wholesale insurance broker distributing P&C products. The organization employs roughly 290 collaborators operating through physical agencies, a phone advisory line available six days per week, dedicated enterprise account-management teams, and proprietary retail facilities.

The portfolio centers on supplemental health insurance MUTA Santé (three guarantee tiers: Essentielle, Prudente, and Plénitude), death insurance MUTA Décès (two formulas: Décès Plus covering funeral costs up to €2,200 and Papillon providing €1,000–€6,000 in death capital), and a P&C bundle distributed via Muta Assurances EURL under partnerships with Groupama, MAAF, and the local insurer Prudence Créole. Beyond core insurance, MUTA vertically integrates into MUTA Optique (eyewear workshop using Essilor lenses) and six MUTA Audition hearing centers, complements insurance with the L'Univers Bien-être fitness and wellness center (subscribed at €19.50 or €39 per month) and Université Solidaire for seniors, and pursues public-health objectives via CITEDI diabetes prevention, Camélias Village community health, and the EXPODIA educational exhibit.

Revenue is generated predominantly through recurring insurance premiums (individual, labeled civil-servant plans, and group enterprise contracts), with secondary streams from retail dispensing of optical and audiological hardware and wellness-center subscriptions. Distribution combines a fully digital subscription flow on muta.re (with IDNow.io identity verification and OODRIVE_SIGN electronic signature), inside sales via phone, walk-in agency service, dedicated enterprise field sales for group health plans, and a €30-per-validated-referral parrainage program on MUTA Décès. MUTA reports a 90% member-satisfaction metric (9 of 10 members satisfied) but, consistent with French mutualist regulation, does not publicly disclose revenue or premium figures.

Name

MUTA

Legal name

Mutuelle Générale Solidarité de la Réunion (MGSR)

Website

https://muta.re

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

MUTA is a member-owned mutual insurance company (Mutuelle Générale Solidarité de la Réunion) operating exclusively on Réunion Island, France. It delivers supplemental health, death, property-and-casualty insurance, and complementary optical, hearing, and wellness services to individual, civil-servant, and enterprise members.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Optical Goods Retailers (45613), All Other Health and Personal Care Retailers (456199)

SIC

Insurance Carriers, Nec (6399), Accident & Health Insurance (6321)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

CO-OP / Nonprofit Individual Market Plans (HLAEABAH), Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

Keywords

• Mutual health insurance
• Complementary health coverage
• Death insurance
• Property casualty insurance
• Optical hearing retail

Headquarters

HQ city

Saint-Denis

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain, Others

Revenue model

1. Health Insurance (Complémentaire Santé): Monthly or annual premium subscriptions for individual and group health complementarity insurance, with 3 guarantee levels (Essentielle, Prudente, Plénitude). Revenue collected as recurring insurance premiums from members.
2. Death/Credit Life Insurance (MUTA Décès): Two products: MUTA Décès Plus (funeral cost coverage up to 1,800€ + 400€ complementary services) and Papillon (capital death benefit 1,000€ to 6,000€). Collected as recurring premiums. Also earns referral fee of 30€ per validated sponsor.
3. P&C Insurance (Auto, Habitation, GAV, Emprunteur, Animaux): Property and casualty insurance products: Auto (tiers simple/tous risques), Habitation (homeowners/tenant insurance), Garantie Accident de la Vie, Emprunteur (credit protection), and pet insurance for dogs/cats. Distributed via MUTA Assurances EURL, a licensed insurance broker working with Groupama, MAAF, and Prudence Créole.
4. Optical and Audition Retail: MUTA operates its own optical and hearing centers (MUTA Optique, MUTA Audition) offering glasses and hearing aids with 0€ out-of-pocket for members. Revenue from retail dispensing of optical and audiological products and services.
5. Wellness Center (Univers Bien-être): L'Univers Bien-être by MUTA operates a fitness and beauty center offering massages, aesthetic treatments, haircare, and gym access (cardio, weight training, group classes) for monthly subscriptions (19.50€/month or 39€/month) plus à la carte services.
6. Université Solidaire: Senior education and wellness programs including art, dance, languages, computing, music, and sports activities. Revenue from membership/registration fees for courses and activities.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

MUTA is a Réunion-based mutual insurance company (mutuelle) offering supplemental health insurance with three guarantee tiers, death/funeral insurance, and a full range of property and casualty covers (auto, home, borrower, personal accident, pet). It also operates proprietary optical and audiology retail centers, a fitness and wellness center, and a senior learning university. Membership is sold to individuals, civil servants, and enterprises across the French overseas department of Réunion.

Product overview

MUTA is the brand of the Groupe Mutualité de la Réunion, offering a diversified portfolio of mutual insurance and wellness products. The core offering centers on supplemental health insurance (MUTA Santé) with three guarantee tiers, death insurance (MUTA Décès) with two formulas, and a range of property & casualty covers including auto (MUTA Auto), home (MUTA Habitation), borrower (MUTA Emprunteur), personal accident (GAV), and pet (MUTA Chiens/Chats) insurance. Corporate solutions include group health (MUTA Santé Entreprise) and labelled civil servant plans. Complementing the insurance suite are retail wellness services — MUTA Optique (glasses and vision care), MUTA Audition (hearing aids), L'Univers Bien'être (fitness and spa), and Université Solidaire (senior learning) — alongside digital self-service portals and a mobile app. Public health promotion programs and the annual Marche de la Mutualité event round out the offering. The company is structured as a non-profit mutual insurer under French mutualist law, operating exclusively in Réunion.

Differentiator

Problem solved

Functional benefit

Brands

• MUTA Santé: Health insurance complementary coverage with three formula levels: Essentielle, Prudente, and Plénitude.
• MUTA Décès
• MUTA Assurance
• MUTA Optique
• MUTA Audition
• L'Univers Bien'être by MUTA
• Université Solidaire (USOL)
• Citédi

Products and services

• MUTA Santé Supplemental health insurance with three guarantee levels (Essentielle, Prudente, Plénitude) covering medical care, hospitalisation, dental, optical, hearing aids, and natural medicine for individuals and families in Réunion.
• MUTA Décès Death insurance with two solutions: Décès Plus (funeral expense coverage up to €2,200 with no upfront cost at approved providers) and Papillon (death benefit capital from €1,000 to €6,000 for beneficiaries). Enrollment permitted up to age 75 without medical formalities.
• MUTA Auto Vehicle insurance with three coverage levels (Tiers Simple, Tiers Plus, Tous Risques) featuring lifetime bonus, low-mileage rates, 0 km breakdown assistance, optional deductible, and replacement vehicle provision.
• MUTA Habitation Home insurance for tenants and owners covering water damage, theft, fire, glass breakage, natural disasters, cyclones, swimming pools, garden sheds, and legal protection with reconstruction at identical specifications guarantee.
• MUTA Emprunteur Loan insurance covering death, PTIA, disability, incapacity, and job loss with simplified medical questionnaire and rates up to 50% lower than incumbent providers. Compliant with Lagarde, Hamon, and Lemoine laws.
• Garantie Accident de la Vie (GAV) Personal accident insurance covering accidents in private life, borrowed vehicle incidents, and daily-life accidents with immediate assistance, income maintenance, and invalidity/incapacity capital.
• MUTA Chiens/Chats Pet health insurance for dogs and cats covering veterinary expenses with online subscription capturing animal details (breed, birth date, gender, identification method).
• MUTA Santé Entreprise Mandatory group health insurance for companies with six guarantee levels (Socle ANI, Turquoise, Saphir, Emeraude, Rubis, Diamant) and additional voluntary employee upgrades, with compliance and onboarding support.
• MUTA Santé Fonction Publique (Labellisée) Labelled health insurance for civil servants available in three plans (Allamanda, Arum, Jasmin), with employer contribution to complementary health. Jasmin is premium tier including superior hearing aids and full 100% Santé coverage.
• MUTA Optique Optical retail service offering eyeglasses with Essilor lenses and branded frames (Ray-Ban, Nike Vision, Lacoste, Michael Kors, Guess), assembled locally in Réunion. Free vision testing and 0€ out-of-pocket for members at partner opticians.
• MUTA Audition Hearing aid retail service with 6 MUTA Audition centers across Réunion offering free hearing tests, superior-quality equipment, and no upfront cost at approved providers.
• L'Univers Bien'être by MUTA Fitness and wellness center in Saint-Denis offering massage, body treatments, facial care, LPG treatments, hairdressing, cardio-training, weight training, group classes, and personal coaching with monthly subscriptions from €19.50.
• Université Solidaire (USOL) Senior wellness and lifelong learning program offering activities including art, dance, languages, computing, music, sports, and games, promoting intergenerational engagement and active aging.
• Marché de la Mutualité Annual community walking event since 1998 at La Saline-les-Bains with 2km, 6km, and 12km routes plus an orientation course for children ages 6-12. Features health/prevention booths and family activities.
• MUTA Parrainage Referral program for MUTA Décès policyholders; sponsors receive €30 per referred person who completes adhesion, with no stated limit on referrals.

Quantifiable outcome

• 90% member satisfaction rate (9 out of 10 members satisfied)

Named customers1 record

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• ASSIAcoreStrategic or Co-development PartnerASSIA is MUTA's partner for managing third-party accident declarations. When a member has an accident caused by a third party, ASSIA simplifies the recourse process, preserving the member's insurance contract and coordinating with the third party's insurer. ASSIA can be contacted at 02 56 56 28 20 (Mon–Fri, 9h–17h30).
• Malakoff Humanis Nationale (MHN)minorStrategic or Co-development PartnerMalakoff Humanis Nationale (SIREN 339 358 681) is the insurer for the repatriation of bodies guarantee within the MUTA Décès Plus contract. It is a partner mutual insurer under Book II of the French Mutual Code.
• Union Nationale Mutualiste Interprofessionnelle (UNMI)minorStrategic or Co-development PartnerUNMI (SIREN 784 718 207) is the insurer of the Phoenix Obsèques product, distributed by the Mutualité de la Réunion. UNMI is also regulated under Book II of the French Mutual Code.
• Groupama SAcoreChannel Partner/ Reseller/ DistributorGroupama SA (RCS Paris 343 115 135) is one of the three insurance companies with which MUTA Assurances EURL has a distribution partnership for Auto, Habitation, GAV, and Emprunteur insurance products.
• MAAF Assurances SAcoreChannel Partner/ Reseller/ DistributorMAAF Assurances SA (RCS Niort 542 073 580) is one of the three insurance companies with which MUTA Assurances EURL has a distribution partnership for Auto, Habitation, GAV, and Emprunteur insurance products.
• Prudence Créole SAcoreChannel Partner/ Reseller/ DistributorPrudence Créole SA (RCS St-Denis 310 863 139) is one of the three insurance companies with which MUTA Assurances EURL has a distribution partnership, and notably a local Réunion insurer, providing products tailored to the island's specific risks (cyclones, etc.).
• Assuréa DistributionminorChannel Partner/ Reseller/ DistributorAssuréa Distribution (RCS Aix en Provence 447 731 787) is a wholesale broker through which MUTA Assurances EURL accesses insurance products as part of its multi-partner distribution model.
• ADN 974 (Association Diabète Nutrition 974)minorStrategic or Co-development PartnerADN 974 partners with MUTA in the CITEDI project for diabetes prevention and management on Réunion, active since 2012.
• ADJ 974 (Association Diabète Jeunes 974)minorStrategic or Co-development PartnerADJ 974 partners with MUTA in the CITEDI project for diabetes prevention, specifically focused on young people with diabetes on Réunion.
• ARS (Agence Régionale de Santé)minorStrategic or Co-development PartnerARS (Regional Health Agency) partners with MUTA in the Camélias Village community health project in Saint-Denis, co-funding and co-developing health prevention actions in the Camélias neighborhood.
• Mairie de Saint-DenisminorStrategic or Co-development PartnerThe municipality of Saint-Denis partners with MUTA in the Camélias Village health project, providing local institutional support and facilities for community health actions.
• ICARE (Institut Coopératif Austral de Recherche en Éducation) — Université de La RéunionminorStrategic or Co-development PartnerICARE, a research institute at the University of Réunion, co-designed and co-developed the EXPODIA interactive educational exhibit on body science and diabetes prevention with MUTA.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Malakoff Humanis: Major French mutual health and prévoyance group under Livre II du Code de la mutualité. Direct partner of MUTA (insurer for MUTA Décès Plus repatriation guarantee) and highly comparable as a large mutual health/prévoyance provider serving enterprises and individuals.
• MAIF: Major French mutual insurer focused on P&C, health, and savings with a strong commitment to mutualist values. Highly comparable to MUTA on governance structure, multi-line insurance offerings, and member-oriented service philosophy.
• Crédit Mutuel: Major French mutual banking and insurance group. Comparable to MUTA on the cooperative/mutual governance model (Livre II du Code de la mutualité) and on multi-line insurance distribution through a local physical network.
• MACIF: Leading French mutual insurer (Livre II du Code de la mutualité), covering P&C, health, and savings for individuals and professionals. Comparable to MUTA as a large mutual with a member-centric governance model and multi-line offerings.
• MAAF: Major French mutual insurer (part of Covéa), one of MUTA's three P&C distribution partners. Comparable to MUTA on P&C product breadth and mutualist governance.
• Groupama: Major French mutual insurance group; one of MUTA's three P&C distribution partners via MUTA Assurances EURL. Comparable as a broad mutual insurer serving individuals, professionals, and enterprises across France including overseas territories like Réunion.

Emerging players

• Alan: French health insurtech offering complementary health insurance to individuals and businesses with a fully digital experience. Comparable to MUTA Santé as a health-focused competitor, though operating with a tech-native stack versus MUTA's traditional mutual model.

Direct peers

• MGEL: French mutual offering health, housing, and student services. Comparable to MUTA as a smaller mutual insurer under Livre II du Code de la mutualité with a defined community focus (students/young professionals vs. MUTA's Réunion residents).
• Harmonie Mutuelle: Leading French mutual health insurer under Livre II du Code de la mutualité, offering complementary health, prevention, and care services. Direct comparable to MUTA's MUTA Santé business on governance structure, regulatory regime, and member-oriented health coverage model.

Regional players

• Prudence Créole: Local Réunion-based insurer (RCS St-Denis 310 863 139), one of MUTA's three P&C distribution partners. Closest geographic competitor to MUTA on the island, with products tailored to local risks including cyclones.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mutualit-de-la-r-union

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 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 MUTA