Mutélios (ex CNM Santé Entreprises)

What Mutélios (ex CNM Santé Entreprises) does

Mutélios is a French mutual health insurance company (mutuelle) governed by Book II of the French Mutual Code and supervised by the ACPR. Formed in January 2025 through the merger of CNM Prévoyance Santé (founded 1970 by FNACA members) and Mutuelle Familiale d'Ile-de-France (founded 1928), the company protects approximately 50,000–55,000 individuals and enterprises across France and reports equity of €63.6M (2021). The entity operates on a non-profit basis, directed by elected volunteer administrators who are themselves members.

Name

Mutélios (ex CNM Santé Entreprises)

Legal name

Mutélios

Website

https://mutelios.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Mutélios is a French non-profit mutual health insurer formed in January 2025 from the merger of CNM Prévoyance Santé and MFIF, serving approximately 55,000 individuals, enterprises, self-employed professionals, associations, and civil servants with complementary, supplementary, and prévoyance coverage across France.

Ownership category

akta.pro rank

Product category

Complementary Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Closed-Panel / Gatekeeper HMOs (HLAEAMAG)

Keywords

• Complementary health insurance
• Mutual health insurance
• Supplementary health coverage
• Collective health insurance
• Provident insurance solutions

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Mutélios generates revenue through membership contributions (cotisations) from individuals, businesses, associations, and self-employed professionals for complementary and supplemental health insurance coverage. The mutual operates on a non-profit basis under Book II of the French Mutual Code.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Mutélios is a non-profit mutual health insurance company that sells complementary and supplementary health insurance contracts, plus provident (life/disability) coverage, to individuals, businesses, self-employed professionals, associations, civil servants, and military veterans in France. Members access healthcare without upfront costs through a nationwide third-party payment network of 230,000+ healthcare professionals, manage contracts via a digital member space and mobile app, and receive value-added services including 24/7 telemedicine, second medical opinions, and assistance.

Product overview

Mutélios is a mutual health insurance company formed in January 2025 from the merger of CNM Prévoyance Santé (founded 1970) and MFIF (Mutuelle Familiale d'Ile-de-France, founded 1928). The company offers a comprehensive portfolio of complementary and supplementary health insurance products along with provident solutions. For individuals, the core offerings include Actiléa (6 formulas for ages 16-116), Actiléa Néo (600+ modular combinations), Excelsia (5 formulas for ages 50-75), Hospit Solo (hospitalization-only), PMI (military/veterans), Prim'Santé (essential budget option), and Néo Territoires (civil servants). Supplementary products include Extentia Plus (62 combinations) and Extentia Renfort (3 targeted formulas). Business offerings include Néo Entreprises, Néo Syntec, Néo Asso, Sur-Mesure, Open Néo, Néo Madelin, and provident solutions for both businesses and TNS.

Differentiator

Problem solved

Functional benefit

Brands

• Viamedis (partnership for third-party payment): Third-party payment management partner; Mutélios outsources its third-party payment (tiers payant) services to Viamedis, which collaborates with over 230,000+ health professionals.
• MEDAVIZ
• DeuxièmeAvis
• FILASSISTANCE
• Préjudis Santé

Products and services

• Actiléa Classic complementary health insurance with 6 formulas (A, B1, B2, C, D, E) designed for individuals aged 16 to 116. Offers balanced coverage for families with options ranging from basic to comprehensive, including hospital, dental, and optical coverage.
• Actiléa Néo 100% modular complementary health insurance with 4 care modules (general care, hospitalization, dental, optical) each available in 6 coverage levels, offering over 600 possible combinations. Designed for working individuals aged 16 to 75.
• Excelsia Complementary health insurance specifically designed for pre-seniors and active seniors aged 50 to 75. Offers 5 formulas (Adagio, Moderato, Allegro, Presto, Prestissimo) focused on expenses frequent for this age group such as hospitalization and optical care.
• Hospit Solo Specialized complementary health insurance focused exclusively on hospitalization expenses. Covers daily rate, room charges, accompanying person fees, and transport costs with 4 formulas (100 to 400), designed for tight budgets covering the major financial risk of hospitalization.
• PMI (Military Veterans Health Insurance) Exclusive complementary health insurance for military personnel and veterans holding invalidity pensions under Articles L212-1 and L213-1 of the Code des Pensions Militaires d'Invalidité. Offers 3 formulas at 3-4 times lower cost with no age limit for subscription.
• Prim'Santé Essential complementary health insurance covering city care and hospital emergencies with 3 classic formulas and 2 reinforced formulas for alternative medicine, designed for tight budgets with limited healthcare needs.
• Néo Territoires Labeled modular complementary health insurance reserved for territorial civil servants. Offers 4 care modules in 6 coverage levels with over 600 combinations, enabling employees to receive their employer's financial participation.
• Extentia Plus Modular supplementary health insurance (surcomplémentaire) with 62 possible combinations to complement existing mutual insurance. Features loyalty bonuses after 24 months and favorable pricing for couples and families.
• Extentia Renfort Supplementary health insurance focused on high out-of-pocket expenses with 3 formulas: Renfort 1 (hospitalization co-pays), Renfort 2 (hearing aids and major equipment), Renfort 3 (dental and optical). Features only 2-month waiting period.
• Néo Madelin Exclusive complementary health insurance designed for self-employed and TNS (Travailleurs Non Salariés) benefiting from the Madelin law, with tax-deductible contributions. Integrates teleconsultation and second medical opinion services.
• Néo Entreprises Modular collective complementary health insurance with 4 care modules in 6 coverage levels, offering hundreds of thousands of combinations for building mandatory company health coverage. Includes optional reinforcement for employees.
• Néo Syntec Collective complementary health insurance dedicated to companies under the Syntec collective agreement. Features 4 care modules with 3 levels of coverage, allowing customization conforming to CCN obligations with optional reinforcement.
• Néo Asso Complementary health insurance designed for associations to protect elected officials and volunteers. Combines collective contract tariff advantages with individual guarantee originality at rates that do not evolve with age.
• Open Néo Collective contract with optional membership for new retirees. Offers 5 formulas (Essentielle, Medium, Confort, Supérieure, Privilège) with broad guarantees, strong prevention focus, and pricing independent of subscriber age.
• Sur-Mesure Fully customized complementary health insurance built to specification based on company needs and employee demographics. Pricing tailored to exact company demographics with possible nested contracts.
• Prévoyance Entreprises Collective provident solutions for businesses covering death, total and irreversible loss of autonomy, disability, and temporary incapacity. Partnered with CNP Assurances and UNMI to provide comprehensive coverage and services.
• Prévoyance TNS Provident insurance for self-employed and TNS covering temporary incapacity, invalidity, and death risks. Fully modular with options for spouse and children coverage, with Madelin-law tax-deductible contributions.

Quantifiable outcome

• Up to €2,500 financial aid for families in difficulty
• +3 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and supporting.

• ViamediscoreTechnology or IntegrationViamedis is the leading third-party payment provider in France, managing Mutélios's tiers payant network of over 250,000 healthcare professionals. The partnership enables members to not advance money at pharmacies, laboratories, radiologists, hospitals, and other healthcare providers. Viamedis provides a dedicated platform for healthcare professionals to manage conventions, payments, and documentation.
• MEDAVIZcoreTechnology or IntegrationMEDAVIZ provides 24/7 medical teleconsultation services integrated into Mutélios health insurance. Members can access generalist and specialist doctors for first opinions, diagnoses, advice, and prescriptions through phone or app.
• DeuxièmeAviscoreTechnology or IntegrationDeuxièmeAvis provides second medical opinion services for Mutélios members facing serious pathologies. The service connects members with recognized medical experts within 7 days for expert consultation and treatment validation.
• FILASSISTANCEcoreTechnology or IntegrationFILASSISTANCE provides comprehensive assistance services including home help, medication delivery, childcare, pet care, teleassistance, psychological support, and legal assistance for Mutélios members facing hospitalization, immobilization, or loss of autonomy. Also provides Préjudis Santé legal protection services up to €20,000.
• AVC Tous ConcernéssupportingOthersAssociation recognized as being of general interest since December 2016, focused on stroke prevention through sports promotion and awareness campaigns. Mutélios supports the association's actions including the MinibusAVC, Tour des plages, and the President's cycling awareness tours. €5 donated per referral in the sponsorship program.
• CasiopeeasupportingOthersAssociation supporting women suffering or having suffered from breast cancer through sports for recovery and reconstruction. Mutélios sponsors challenges including Le Lien Rose (Paris-Bucharest cycling challenge), the Remise en Selle program, and participates in events through employee involvement.
• CIMUT (Union Technique Mutualiste)coreTechnology or IntegrationCIMUT provides technical infrastructure hosting for Mutélios member spaces, business spaces, healthcare professional portals, and online stores. The Union Technique Mutualiste is a mutualist technical organization supporting mutual insurance operations.
• Sully GroupsupportingTechnology or IntegrationSully Group provides web hosting services for mutelios.com website and collaborated with La Coopérative Créative under Mutélios Communication Direction for website design and development.
• CNP AssurancescoreStrategic or Co-development PartnerCNP Assurances is partnered with Mutélios for collective prévoyance (insurance) solutions for businesses. The partnership provides death, total and irreversible loss of autonomy, disability, and temporary incapacity coverage with high-quality services and benefits.
• UNMI (Union Nationale des Mutuelles Françaises Indépendantes)supportingStrategic or Co-development PartnerUNMI provides insurance solutions for Mutélios business prévoyance offerings, supporting the mutual's ability to meet regulatory and conventional obligations for enterprise clients.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• MGEN (Mutuelle Générale de l'Éducation Nationale): Large French mutual covering health, prévoyance, and welfare, with strong roots in the public-sector and education segments. Directly comparable as a Book II French mutuelle with multi-product portfolio and ACPR supervision, although materially larger scale than Mutélios.
• Harmonie Mutuelle: Major French mutual health insurer serving individuals, businesses, and public-sector employees with complementary health, prévoyance, and welfare products. Directly comparable as a French mutuelle with multi-segment product portfolio, ACPR-regulated mutual structure, and comparable target customers.
• Mutuelle Générale: French mutual health insurer offering complementary health coverage to individuals, professionals, and enterprises. Comparable to Mutélios as a French mutuelle operating under the same Book II framework with multi-segment individual and collective contracts.
• Malakoff Humanis: Leading French group in complementary health and prévoyance for businesses and individuals, formed via mutual mergers. Directly comparable to Mutélios as a merger-driven French mutual with employer-sponsored health and prévoyance offerings.

Emerging players

• Alan: French health insurance insurtech offering complementary health coverage primarily to individuals, self-employed, and SMEs via a digital-first model. Comparable as a French health insurer competing for the same digital-native individual and SMB segments, with a contrasting tech-forward positioning versus Mutélios's traditional mutual model.
• April Group: French insurance broker and product designer specializing in health, prévoyance, and protection insurance for individuals and SMEs. Comparable as a French health insurance specialist competing in the same SMB and individual markets, although operating primarily as a broker rather than risk carrier.

Broad incumbents

• AXA France: Major French insurer offering complementary health, prévoyance, and savings products to individuals and businesses. Comparable as a competitor in the same French health insurance market with overlapping individual, professional, and enterprise segments.
• SwissLife France: French subsidiary offering health, prévoyance, savings, and retirement products to individuals and businesses. Comparable as a broad incumbent insurer with health insurance offerings competing for the same individual and enterprise customers.
• Covéa (MAAF / MMA / GMF): Leading French mutual insurance group offering complementary health coverage alongside property and casualty insurance. Comparable as a broad mutual-affiliated incumbent competing in the French individual and small-business health insurance market.

Regional players

• Mutuelle de Poitiers: Regional French mutual offering complementary health and prévoyance products primarily in western France. Comparable as a French mutuelle with similar non-profit structure and individual/collective product offerings, though with a regional rather than national footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCpygpX-ydnh0_3UmRLtmNIw/videos?view_as=subscriber
• Facebookfacebook.com/mutelios
• LinkedInlinkedin.com/company/mutelios

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Mutélios (ex CNM Santé Entreprises)