MTH Mutuelle des Territoriaux et Hospitaliers

What MTH Mutuelle des Territoriaux et Hospitaliers does

MTH Mutuelle des Territoriaux et Hospitaliers is a French mutual insurance company founded in May 1989 and headquartered in Lyon (30 rue Servient, 69003). Operating under Book II of the Code de la Mutualité, MTH is a member-owned mutuelle specializing in health insurance (Mutuelle Santé) and prévoyance for territorial and hospital public sector employees (agents territoriaux and agents hospitaliers), with additional offerings for particuliers. The company is part of Groupe Entis Mutuelles, a mutualist group formed in 2008, and operates a wholly-owned subsidiary, Mutuelle Générale de Prévoyance, for prévoyance activities.

The product portfolio is built around three core lines: health insurance, prévoyance (including a modular labeled Garantie Prévoyance Fonction Publique starting at €15/month), and property/liability insurance. Complementary offerings include assurance emprunteur (borrower insurance), a free caution solidaire for real estate projects, and Complémentaire Santé Solidaire (CSS) for subsidized coverage. Members access services through the Lyon agency (three-person team), bi-monthly mutualist permanences at partner collectivités such as the Ville de Fontaine (since 2010), a phone contact center, and the monespace.mutuellemth.fr online portal. The 2022 integration with the iSanté tiers payant network gives members access to 170,000+ healthcare professionals across France without upfront payment.

MTH generates revenue through recurring membership contributions (cotisations) on a subscription model aligned with mutualist solidarity principles. The go-to-market is sales-led and proximity-based, emphasizing face-to-face relationships with public sector employees and conventions de participation with local government entities, with stated 10% annual growth through convention development. The company markets through its website, the quarterly "Bonne Santé Mutualiste" magazine, community permanences, and direct member engagement. Since 2012, labeled guarantee contributions have been capped at a 0.54% annual increase, reinforcing the price-stability positioning. The company is governed democratically by elected administrators, with no external shareholders, and operates within the Auvergne-Rhône-Alpes region of France.

Name

MTH Mutuelle des Territoriaux et Hospitaliers

Legal name

MUTUELLE DES TERRITORIAUX ET HOSPITALIERS - MTH

Website

https://mutuellemth.fr

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

MTH Mutuelle des Territoriaux et Hospitaliers is a French mutualist insurance company founded in 1989, serving territorial and hospital public sector employees with health insurance, prévoyance, and complementary insurance products via its Lyon HQ, regional permanences, and member portal.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro industry

PRIMARYHLAEANAA

National PPO Networks

Healthcare & Life Sciences/Health Insurance & Managed Care/Preferred Provider Organizations (PPOs)

Keywords

• Mutual health insurance
• Public sector insurance
• Prévoyance coverage
• Complementary health insurance
• Mutualist insurance

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mutual Health Insurance Contributions: MTH generates revenue through membership contributions (cotisations) from public sector employees (agents territoriaux and agents hospitaliers) for health insurance and prévoyance coverage. The mutualist structure operates on solidarity principles where members contribute to cover collective risks.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

MTH is a mutual insurance company that provides health (santé), providence (prévoyance), property/liability (assurance de biens et de responsabilité), and borrower insurance coverage specifically designed for territorial and hospital public-sector employees in France. It also offers a free solidarity guarantee (caution solidaire) for real estate loans and Complémentaire Santé Solidaire (CSS) for low-income members, distributed through its Lyon agency, community permanences in partner municipalities, and an online member portal.

Product overview

MTH Mutuelle des Territoriaux et Hospitaliers is a specialized mutual insurance company serving territorial and hospital public service employees. The company operates a unified platform approach offering three core product lines: health insurance (Mutuelle Santé), provident insurance (Prévoyance) including a labeled Fonction Publique product with modular options, and property/liability insurance (Assurance de Biens et de Responsabilité). Additional specialized offerings include borrower insurance (Assurance Emprunteur), solidarity guarantee (Caution Solidaire) for real estate, and the Complémentaire Santé Solidaire for subsidized coverage. Members access services through the company's member portal (Espace Adhérent) and benefit from the iSanté third-party payment network. The company also publishes the quarterly magazine Bonne Santé Mutualiste as part of member communication.

Differentiator

Problem solved

Functional benefit

Brands

• Bonne Santé Mutualiste: Quarterly magazine published by MTH covering public health topics, environmental preservation, and mutual insurance news (Issue 113, April-May 2026)

Products and services

• Mutuelle Santé Health insurance coverage tailored for territorial and hospital public-service employees, providing comprehensive health protection and reimbursement for medical expenses. Available to agents of the fonction publique (territorial and hospital) and their families.
• Prévoyance Providence insurance providing income protection, disability coverage, and death benefits for public-sector employees affiliated with CNRACL or IRCANTEC. Covers daily indemnity, disability rent, and death capital.
• Garantie Prévoyance Labellisée Fonction Publique Modular labeled providence insurance for public service employees offering three combinable options: daily indemnity (90% or 95% of net remuneration), disability rent (20% of gross remuneration above 60% disability rate, 12% between 33-60%), and death capital (100% of gross remuneration). Starting from €15 per month, no medical questionnaire, no waiting period, single contribution rate regardless of age.
• Assurance Emprunteur Borrower insurance providing coverage for loan repayment in case of unexpected life events. A free guarantee option (Caution Solidaire) is available for real estate projects.
• Caution Solidaire Solidarity guarantee service where MTH acts as guarantor for members' real estate projects, provided free of charge for loan-related guarantees.
• Complémentaire Santé Solidaire (CSS) Solidarity-based health coverage replacing ACS and CMU-C since November 2019, enabling people with modest resources to access healthcare with or without financial participation, covering medical expenses, dental care, optics, and hearing aids under the 100% santé scheme.
• Assurance de Biens et de Responsabilité Property and liability insurance coverage offered as part of MTH's complete protection portfolio for members, providing protection for property and personal liability.

Quantifiable outcome

• Labeled guarantee price increase limited to 0.54% per year since 2012
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Four partnerships are on record, tiered core, minor and moderate.

• Groupe EntiscoreStrategic or Co-development Partner · 1 January 2008MTH is part of the Groupe Entis since its creation in 2008. The group provides mutualist support and resources to enable MTH to offer comprehensive services to members. MTH participates in the broader mutualist group structure while maintaining independent operations.
• iSantécoreTechnology or IntegrationMTH partnered with iSanté, the first tiers payant operator in the mutualist world, giving members access to over 170,000 healthcare professionals nationwide. Members can access care without advance payment at pharmacies, laboratories, radiologists, medical auxiliaries, health centers, and hospitals.
• Mutualité FrançaiseminorGTM or Marketing PartnerMTH is affiliated with Mutualité Française, the national federation of mutual insurance organizations, displaying the organization's logo on its website.
• UNMFT (Union Nationale des Mutuelles de Fonctionnaires Territoriaux)moderateStrategic or Co-development PartnerMTH is associated with UNMFT, the national union of mutual funds for territorial civil servants. The connection reflects shared mutualist values and market positioning for territorial employees.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Harmonie Mutuelle: Harmonie Mutuelle (part of Vyv group) is a major national health and prévoyance mutuelle with convention de participation offerings for collectivités. As a broad incumbent, it competes with MTH on collective contracts while also serving broader private-sector markets.
• Vyv (Groupe VYV): Groupe Vyv is a major French mutualist group combining Harmonie Mutuelle, MGEL and others, offering health, prévoyance and collective contracts. Comparable mutualist parent structure to Groupe Entis (MTH's parent), with much larger scale.
• MGEN: MGEN is one of France's largest mutuelles, primarily serving education national public employees but offering broader santé/prévoyance including for territorial and hospital agents. It is a broad incumbent with overlapping capabilities rather than MTH's specialized focus.

Direct peers

• MNT (Mutuelle Nationale Territoriale): MNT is the leading French mutuelle dedicated to territorial public-sector employees, offering health, prévoyance and convention de participation contracts to collectivités. It is the most direct competitor to MTH in the same niche, with substantially greater national scale and brand recognition.
• Intériale Mutuelle: Intériale is a mutuelle serving public service agents (fonctionnaires) with health, prévoyance and convention de participation offerings. Comparable target segment (public-sector employees) and similar mutualist governance structure make it a direct peer to MTH.
• Mutuelle Civile de la Défense (MCDef): MCDef is a mutuelle dedicated to civilian defense personnel and similar public-sector employees, offering health and prévoyance products with a mutualist governance model. Comparable single-vertical public-sector focus to MTH.

Others

• UNMFT (Union Nationale des Mutuelles de Fonctionnaires Territoriaux): UNMFT is the national trade union of mutuelles serving territorial civil servants; MTH is associated with UNMFT. UNMFT itself is an ecosystem/industry-body peer, representing many of MTH's sister mutuelles and shaping collective bargaining and convention frameworks.

Regional players

• APICIL Mutuelle: APICIL is a Lyon-headquartered group (Rhône-Alpes region) offering health, prévoyance and collective contracts. Comparable Auvergne-Rhône-Alpes regional footprint to MTH with broader product portfolio and greater scale.
• Mutuelle Familiale de l'Île-de-France: Mutuelle Familiale is a regional mutuelle (Île-de-France) offering health and prévoyance to individuals and families, with some public-sector offering. Geographically distinct from MTH but operates a comparable mutualist, regional proximity-driven model.

Emerging players

• Solimut Mutuelle de France: Solimut Mutuelle is a smaller national mutuelle offering santé and prévoyance with some convention de participation activity, often competing for mid-sized collectivités that overlap with MTH's target market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mth-mutuelle-des-territoriaux-et-hospitaliers

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 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 MTH Mutuelle des Territoriaux et Hospitaliers