Mutuelle Nationale Mcd

What Mutuelle Nationale Mcd does

AÉSIO mutuelle (legal entity Mutuelle Nationale MCD) is a French mutual insurance company headquartered in Clermont-Ferrand, with offices in Paris and an extensive branch network across France. The company serves approximately 2.1 million members across three segments: individuals (particuliers), self-employed professionals (TNS), and businesses (collectives including hospital agents, territorial agents, accountants, and international civil servants). It is affiliated with Mutualité Française, the dominant federation of French mutuals.

The company operates a multi-line insurance portfolio spanning health (Santé Essentielle and tiered offers from €14.49/month), prévoyance (accident, professional, and TNS coverage from €8–€26/month), savings and retirement (PER, assurance-vie), and property-casualty (auto, home, school, legal protection). Core product technology consists of a digital platform with online quote tools, a mobile application supporting real-time reimbursement, and integration with the Carte Blanche third-party payment network and DeuxièmeAvis.fr second medical opinion service.

AÉSIO monetizes through recurring member premiums on individual and small-group contracts, complemented by referral incentives (up to €350) and cross-sell across its product lines. Distribution is omnichannel: a physical agency network across France coexists with digital channels (website, social media across X, Bluesky, Facebook, LinkedIn, YouTube, Instagram, Threads) and educational formats (webinars). Reported member experience metrics — 94% agency visit satisfaction and 97% reimbursement timing satisfaction — suggest an incumbent-grade service baseline rather than a differentiated tech-native proposition.

Name

Mutuelle Nationale Mcd

Legal name

AÉSIO mutuelle

Website

https://mutuelle-mcd.fr

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

AÉSIO mutuelle is a French mutual insurer serving 2.1 million members — individuals, self-employed professionals, and businesses — with health, prévoyance, savings/retirement, and property-casualty products distributed via a hybrid digital and physical agency model across France.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Combined Critical Illness + Hospital Indemnity Policies (FSAIAKAC)

Keywords

• Complementary health insurance
• Mutual insurance provider
• Provident insurance coverage
• Savings retirement plans
• Property casualty insurance

Headquarters

HQ city

Clermont-Ferrand

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, Technology or R&D, Infrastructure

Revenue model

1. Health Insurance Premiums: Subscription-based complementary health insurance premiums charged monthly to individual and business members for coverage of medical expenses not reimbursed by mandatory social security
2. Providence/Prevoyance Insurance: Individual and professional provident insurance products covering accidents, disability, death, and loss of autonomy, billed via recurring premiums
3. Property and Casualty Insurance: Auto, home, and school insurance products generating recurring premiums
4. Savings and Retirement Products: Life insurance and retirement savings plans (Assurance Vie, Plan Épargne Retraite) with premium contributions and potential management fees

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

AÉSIO mutuelle is a French mutual insurance company (société d'assurance mutuelle) offering complementary health insurance (complémentaire santé), provident coverage (prévoyance), life and funeral insurance, savings and retirement plans, and property/casualty insurance (auto, habitation, scolaire). The company serves approximately 2.1 million members across France through both individual and business product lines, with offerings tailored to employees, self-employed workers, and corporate clients.

Product overview

AÉSIO mutuelle operates as a multi-product insurance platform offering a comprehensive portfolio of health, provident (life/disability), savings/retirement, and property-casualty insurance products. The core offerings are organized across three main segments: individuals (particuliers), self-employed professionals (indépendants/TNS), and businesses (entreprises). The health insurance line includes essential, standard, and top-up supplementary plans with options for hospitalization coverage and the 100% Santé reform benefits. The provident insurance division covers accident protection, death, disability, autonomy, funeral expenses, and remote assistance services. Savings and retirement products include life insurance and retirement savings plans (PER) for individuals, with employer-mandated plans (PERO) and employee savings vehicles (PEE/PERCOL) for businesses. Property-casualty offerings encompass auto, home, school, and legal protection insurance. A digital member portal and mobile application provide policyholders with 24/7 access to coverage management, reimbursement tracking, and document handling. The company also integrates with healthcare provider networks and third-party services like Deuxième Avis for medical consultations.

Differentiator

Problem solved

Functional benefit

Brands

• AÉSIO Santé Essentielle: Entry-level health insurance offering starting from €15/month (tarif réel de 14,49€/mois).
• AÉSIO Prévoyance Accident
• AÉSIO Prévoyance Pro

Products and services

• Complémentaire santé Complementary health insurance for individuals covering medical expenses not fully reimbursed by the French social security system. Offered at an entry-level price of €14.49/month.
• Garantie hospitalière Hospital-only health coverage designed to supplement standard health insurance with additional hospital-related benefits.
• Surcomplémentaire santé Top-up health insurance for members seeking enhanced reimbursement beyond standard complementary health coverage.
• Mutuelle indépendant (TNS) Health insurance designed for self-employed workers and non-salaried professionals (Travailleurs Non Salariés). Priced at €26/month.
• Mutuelle entreprise Group health insurance for employees and businesses, structured for corporate-sponsored health coverage obligations.
• Prévoyance Provident insurance coverage providing financial protection in case of death, disability, or loss of income. Priced at €8/month.
• Prévoyance Accident de la vie Accidental life insurance covering serious accidents and resulting disabilities for individuals and families.
• Prévoyance Pro Provident insurance tailored for self-employed professionals and business owners, priced at €16.75/month.
• Assurance obsèques Funeral insurance providing a death benefit to cover end-of-life expenses for the insured and their family.
• Téléassistance Remote assistance service providing emergency support and monitoring for elderly or vulnerable individuals at home.
• Assurance vie Life insurance savings and investment product allowing members to build capital over time with a death benefit.
• Plan épargne retraite (PER) Personal retirement savings plan allowing members to accumulate capital for retirement under the French PER framework.
• Assurance auto Motor vehicle insurance covering liability and damage for personal vehicles.
• Assurance habitation Homeowners and renters insurance covering residential property and personal liability.
• Assurance scolaire School insurance covering children for accidents and liability at school and during school-related activities.
• Protection juridique Legal protection insurance covering legal expenses and advisory services for disputes.
• PERO Mandatory company retirement savings plan (Plan d'Épargne Retraite Obligatoire) for employee retirement contributions.
• PEE / PERCOL Company savings plans (Plan d'Épargne Entreprise and PER Collectif) for employee savings and collective retirement.

Quantifiable outcome

• 94% client satisfaction rate with agency visits
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Carte BlanchecoreTechnology or IntegrationHealthcare provider network partnership offering AÉSIO members exclusive deals and preferential pricing in optics, dental, and audiology. The partnership includes thousands of partner healthcare professionals.
• Mutualité FrançaisecoreStrategic or Co-development PartnerAffiliated with the French Mutualité Française, the national federation of mutual insurance organizations, providing institutional credibility and adherence to mutual insurance values and standards.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Alan: Digital-first French health insurer offering streamlined complémentaire santé to individuals and SMEs with modern mobile UX. Emerging competitive threat in the same core health market, particularly for younger demographics and SMB collective health.

Direct peers

• MGEN: Major French mutual health insurer historically focused on civil servants and education sector, now broadening to general population. Directly comparable complémentaire santé, prévoyance, and dependency coverage with mutual structure and Mutualité Française affiliation.
• Harmonie Mutuelle: Largest French mutual health insurer (≈4.5M members) offering complémentaire santé, prévoyance, and retirement savings through a similar agency + digital hybrid model. Direct strategic competitor across AÉSIO's core individual and TNS segments.
• Henner: French mutual-style group health insurer with strong enterprise and international civil servant focus. Direct peer in mutuelle entreprise and complementary health, particularly for group and international-affiliated populations.
• Malakoff Humanis: Large French mutual group covering health, prévoyance, retirement, and savings for both enterprises and individuals. Directly comparable product mix (santé, prévoyance, PERO, épargne salariale) and direct competitor in the ANI-driven enterprise market.
• Matmut: French mutual insurer with multi-line offerings spanning IARD (auto/home), santé, prévoyance, and savings, distributed through regional agencies. Directly comparable mutual structure and product mix, competing across AÉSIO's individual and P&C lines.

Broad incumbents

• AG2R La Mondiale: Major French mutual insurer with a broader retirement and savings portfolio alongside health and prévoyance. Larger incumbent with overlapping product set, particularly competing in enterprise prévoyance and PER/PERCO.
• AXA France: Largest French non-life insurer with deep individual and enterprise offerings across santé, prévoyance, IARD, and savings. Stock-insurer incumbent that competes across virtually all of AÉSIO's lines with greater capital and brand reach.
• Crédit Agricole Assurances: Bancassurance arm of Crédit Agricole offering life, santé, prévoyance, and P&C products distributed through the bank's network. Competes with AÉSIO's life insurance, PER, and collective enterprise offerings via a different distribution model.
• Groupama: Major French mutual insurer with multi-line offerings (P&C, health, savings, life) and an extensive regional agency network. Competes across AÉSIO's IARD, santé, and prévoyance lines, with a comparable mutual distribution ethos.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/aesiomutuelle
• YouTubeyoutube.com/@AESIOMutuelle
• Facebookfacebook.com/AESIOMutuelle
• LinkedInlinkedin.com/company/mutuelle-nationale-mcd
• Instagraminstagram.com/aesiomutuelle

Revenue estimate

Valuation estimate

Number of profiles

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 Mutuelle Nationale Mcd