REMPART MUTUELLE

What REMPART MUTUELLE does

REMPART MUTUELLE is a non-profit French mutual health and provident insurance company founded on 26 May 1932 by pioneering mutualist doctors as the first mutualist structure in Haute-Garonne. Headquartered in Toulouse at 1 rue d'Austerlitz, the company operates under Livre II of the Code de la Mutualité and is regulated by the ACPR. It serves approximately 75,000 protected individuals across the Occitanie region through a multi-channel distribution model combining 8 physical agencies in Haute-Garonne and Tarn, an online quote system, the REMPART POCKET mobile application, an Espace Adhérent member portal, and a non-surcharged phone support line.

The product portfolio centers on Complémentaire Santé (supplementary health coverage with multiple tiers including Ambre, Cédrat, Fougère, Bruyère, Menthe, Brio, and the senior-focused Garantie Silver) and Prévoyance (providence insurance including the 2025-launched PHÉNIX death insurance and REMPART HOSPI hospitalization indemnity). Specialized ranges target state and territorial civil servants (Gamme Cybélia, Gamme Solidéria, Garantie Sérénitia, Gamme OBADIA), with the civil-servant and individual product ranges expanded materially via the 2024 absorption of Cybèle Solidarité and Mutuelle d'Argenson. Adjacent services include the MédecinDirect teleconsultation platform (100% covered, ranked #3 in Capital 2026-2027), REMPART Assistance (24/7 emergency support), REMPART Avantages (discount network including Edenred integration in 2026), REMPART Solidarités social support (operated by DHOMPLUS, serving 9,200+ members over two years), REMPART Parentalité, and REMPART Aidants caregiver support.

The business model is subscription-recurring premium-based, with monthly billing across individual, family, student, self-employed, enterprise, and public-sector contracts. Member acquisition combines direct-to-consumer digital channels, agency-based advisor sales, and community-led growth through sports sponsorships (Stade Toulousain, Dauphins du TOEC, Ligue Occitanie de Judo) and a referral program (€50 sponsor / €40 referee discount). The company is governed by a 15-member volunteer Board of Directors under Director General Jean-Pierre Pailhol, is affiliated with the Fédération Nationale de l'Innovation Mutualiste (FNIM), and operates without external shareholders or parent company ownership, consistent with its mutualist non-profit status.

Name

REMPART MUTUELLE

Legal name

Mutuelle du Rempart

Website

https://rempartmutuelle.fr

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

51–100 employees

Short description

REMPART MUTUELLE is a non-profit French mutual health and provident insurer founded in 1932, serving 75,000+ members in the Occitanie region through 8 agencies and digital channels, offering supplementary health coverage, death insurance, teleconsultation, and social support services to individuals, businesses, and civil servants.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Health Care and Social Assistance (62)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

Keywords

• Supplementary health insurance
• Provident insurance
• Mutual health coverage
• Civil servant insurance
• Group health plans

Headquarters

HQ city

Toulouse

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Recurring membership premiums collected from individual and group policyholders for supplementary health insurance coverage. Premiums are calculated based on coverage level, age, and family situation. The mutuelle operates as a non-profit organization under the French Mutual Code.
2. Providence Insurance Premiums: Recurring premiums for death/disability insurance products including Phénix Accident and Phénix Toutes Causes policies, providing capital benefits to beneficiaries in case of death or loss of autonomy.
3. Employee Health Plans: Group health insurance plans sold to businesses and public sector employers for their employees, representing a B2B revenue stream alongside individual policies.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

REMPART MUTUELLE provides supplementary health insurance (Complémentaire Santé) and provident insurance (Prévoyance) products to individuals, families, students, self-employed professionals, businesses, and civil servants in the Occitanie region of France. The mutual offers multiple coverage tiers (Ambre, Cédrat, Fougère, Bruyère, Menthe, Brio), specialized product lines for civil servants (Gamme Cybélia), death/disability insurance (PHÉNIX), hospitalization supplements (REMPART HOSPI), and international mobility coverage, complemented by member services including teleconsultation (MédecinDirect), 24/7 assistance, social support (REMPART Solidarité), and a member benefits program (REMPART Avantages).

Product overview

REMPART MUTUELLE is a mutual health and provident insurance organization founded in 1932 in Toulouse, offering a comprehensive portfolio of health insurance (Complémentaire Santé) and provident insurance (Prévoyance) products. The core offering consists of multiple coverage tiers (Ambre, Cédrat, Fougère, Bruyère, Menthe, Brio, OBADIA) and specialized product lines for civil servants (Gamme Cybélia, Gamme Solidéria, Garantie Sérénitia, Garantie Silver). Core supplementary products include PHÉNIX death insurance, REMPART HOSPI hospitalization supplement, and Mobilité Internationale. Member services include the REMPART POCKET mobile app (digital insurance card, real-time reimbursements), MédecinDirect teleconsultation, REMPART Assistance (24/7 support), REMPART Avantages (discount network including Edenred), and REMPART Solidarité (social support via DHOMPLUS partnership). The product portfolio was expanded in 2024 through the fusion with Cybèle Solidarité and Mutuelle d'Argenson.

Differentiator

Problem solved

Functional benefit

Brands

• REMPART POCKET: Mobile application for members to access their insurance space, view cards, reimbursements, and services.
• REMPART Avantages
• REMPART Assistance
• REMPART Aidants
• REMPART Solidarités
• REMPART Parentalité
• Gamme Cybélia
• Gamme Cybélia Labellisée
• Gamme Solidéria
• Garantie Sérénitia
• Garantie Silver
• Gamme OBADIA
• REMPART HOSPI
• PHÉNIX
• MédecinDirect

Products and services

• Complémentaire Santé Supplementary health insurance covering optical, dental, hospital, and everyday healthcare expenses, with multiple coverage levels for individuals, families, students, and public sector employees in the Occitanie region.
• Prévoyance Provident insurance covering death, disability, dependency, and funeral expenses to maintain the policyholder's standard of living and protect their family.
• Gamme Cybélia Health insurance product line for civil servants (Fonctionnaires d'État and Fonctionnaires Territoriaux), offering labeled and non-labeled options with supplementary hospital coverage (Surcomplémentaire Hospiat).
• Gamme Solidéria Health insurance product line for private individuals under the Cybèle brand, providing comprehensive coverage options following the 2024 merger.
• Garantie Silver Senior-focused health insurance product under the Cybèle brand for individuals aged 55 and over.
• Garantie Sérénitia Health insurance product under the Cybèle brand targeting specific individual coverage needs.
• PHÉNIX Prévoyance Décès Death insurance product with two formulas: PHÉNIX Accident (€30,000 or €60,000 capital, €3/month or €6/month) and PHÉNIX Toutes Causes (€10,000 to €50,000 capital, from €1.20/month), covering accidental or all-cause death with PTIA advance payment.
• REMPART HOSPI Hospitalization supplement providing daily fixed indemnity for private room, companion presence, child care, and other comfort items during hospital stays.
• Mobilité Internationale International mobility insurance covering healthcare costs abroad, medical evacuation, and repatriation for members traveling or residing outside their home country.
• MédecinDirect Teleconsultation medical service available 24/7, allowing members to consult general practitioners via video or secure messaging, with 100% coverage by the mutual insurance.
• REMPART Assistance Assistance service available 24/7 providing child care during hospitalization, home help, medical transport, legal information, and repatriation assistance.
• REMPART Avantages Member benefits program offering preferential rates with local and national brands for equipment, groceries, travel, leisure, wellness, cinema, and restaurants, accessible from the member dashboard.
• REMPART Aidants Support service for family caregivers assisting relatives with loss of autonomy, providing advice, guidance, and resources to help manage caregiving responsibilities.
• REMPART Parentalité Parenting support service offering advice, resources, and testimonials for parents at all stages of family life, from newborn care to adolescent challenges.
• REMPART Solidarité Social support service helping members facing difficult situations (job loss, unexpected expenses, health issues) with personalized advice, referrals to aid organizations, and assistance with administrative procedures. Provided in partnership with DHOMPLUS.
• Mutuelle Communale Santé Communal mutual insurance program offered to residents of specific cities (e.g., Albi), providing negotiated health coverage rates for non-employer-covered individuals including retirees, self-employed, job seekers, and students.
• REMPART POCKET Mobile application serving as the member's digital companion, providing access to digital insurance card (Tiers Payant), real-time reimbursements, document management, geolocation of nearest agency, and access to all REMPART services.

Quantifiable outcome

• 81% member satisfaction with REMPART SOLIDARITÉS social support service
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

13 partnerships are on record, tiered core, flagship and minor.

• DHOMPLUS (DOMPLUS Groupe)coreImplementation/ SI/ Consulting PartnerDHOMPLUS, a subsidiary of DOMPLUS Groupe based in Eybens, operates the REMPART SOLIDARITÉS social support service on behalf of REMPART MUTUELLE. The partnership provides personalized guidance for members facing life challenges including financial difficulties, caregiving, parenting, and housing concerns. DHOMPLUS brings social work expertise and digital platform capabilities to complement the mutuelle's member services.
• EdenredcoreGTM or Marketing PartnerPartnership with Edenred, France's #1 ticketing network for employee committees (Comités d'Entreprise), integrated into the REMPART Avantages member benefits program in 2026. Provides exclusive discounts including Pathé Cinema tickets (€9 instead of €16.40) and Cité de l'Espace entry (€20 instead of €22.50).
• MédecinDirectcoreTechnology or IntegrationIntegrated teleconsultation platform providing members with 24/7 access to general practitioners via video or secure messaging. Service is 100% covered by the mutuelle with no advance payment required. Ranked 3rd in Capital 2026-2027 health platform rankings. Available in France and internationally.
• Stade Toulousain RugbyflagshipGTM or Marketing PartnerFlagship sports sponsorship partnership with Stade Toulousain Rugby, one of France's most prestigious rugby clubs. Supports the club's professional teams and health initiatives. Provides member visibility opportunities and exclusive content featuring players promoting health and wellness products (e.g., birch sap supplements).
• Dauphins du TOEC (Swimming Club)coreGTM or Marketing PartnerPartnership with Dauphins du TOEC swimming club in Toulouse. Offers members free club registration fees (€100 value) and discounts on swimming programs. Club notably includes Olympic swimmer Léon Marchand.
• Ligue Occitanie de JudocoreGTM or Marketing PartnerPartnership established in early 2026 with the Occitanie Judo League and Haute-Garonne Judo Committee. Demonstrates commitment to promoting sport as health and supporting youth sports development in the region.
• Association REBONDS!flagshipStrategic or Co-development PartnerStrategic partnership supporting youth social and professional insertion through rugby. Association provides educational programs reaching 90,000 beneficiaries since 2004, with 5,000 participants in women's programs since 2009 and 1,000 youth receiving social follow-up. Supports equality, employment opportunities, and community development.
• Association des Propriétaires et CopropriétairesminorGTM or Marketing PartnerLocal partnership providing advice and information to property owners and co-owners through consultations and conferences on legal, fiscal, and technical matters related to real estate.
• Chambre des Métiers et de l'Artisanat de la Haute-GaronneminorGTM or Marketing PartnerPartnership with the Chamber of Trades and Crafts of Haute-Garonne supporting artisans and small business owners with information and resources.
• CPME 31 (Confédération des Petites et Moyennes Entreprises de Haute-Garonne)minorGTM or Marketing PartnerPartnership with the SMB employers' confederation in Haute-Garonne providing business support and networking opportunities.
• ITO (Instituts de Formation en Ostéopathie)minorGTM or Marketing PartnerPartnership with osteopathy training institutes where students treat real patients under qualified supervision, providing members with access to quality osteopathy services at training clinic prices.
• Association L.I.D.E.R. DiabèteminorGTM or Marketing PartnerPrevention partnership organizing free diabetes screening and awareness days open to the general public to promote early detection and management.
• Ariège Sève de Bouleau BiominorGTM or Marketing PartnerLocal partnership offering members 10% discount on birch sap products. Promoted through sponsored athletes (Vanessa Morales, Alban Placines) who endorse the natural health supplement.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Henner: French mutual insurance group focused on health, prévoyance, and international mobility cover for individuals and corporates. Comparable product mix — including international health solutions similar to REMPART's Mobilité Internationale — and a similar mid-sized mutual profile.
• Malakoff Humanis: French mutual health and prévoyance group formed from the merger of Malakoff Médéric and Humanis, serving enterprises and individuals with complementary health, prévoyance, and retirement products. Closely comparable product scope and group-employer focus to REMPART's enterprise segment.
• Mutuelle Générale: Independent French mutual offering complementary health and prévoyance to individuals, professionals, and enterprises. Comparable mutuelle status, broad product tiering, and multi-channel distribution (agencies, digital, employer contracts).
• AÉSIO Mutuelle: French mutual health insurer created from the merger of several regional mutuelles (Adréa, Apréva, Eovi-Mcd, Harmonie Loire). Highly comparable regional-mutuelle consolidation playbook to REMPART's 2024 absorptions and similar book II governance.
• MGEN: Major French mutual health insurer historically serving education and public-sector employees, now open to the broader population. Comparable complémentaire santé, prévoyance, and solidarity-driven offerings, and a similar mutual governance structure under the Code de la Mutualité.
• Harmonie Mutuelle: Largest French mutual health insurer, also a Book II mutuelle offering complémentaire santé and prévoyance to individuals, businesses, and public-sector employees. Directly comparable product mix, distribution model, and regulatory framework to REMPART, but at a national rather than regional scale.

Emerging players

• Alan: French digital-native health insurer offering complementary health and prévoyance primarily to SMEs and individuals via a mobile-first platform. Different delivery model (no agencies) but directly competing for the same individual and enterprise member pool as REMPART, especially in Occitanie.

Broad incumbents

• AXA France: French arm of a global insurer with significant individual and group health, prévoyance, and assistance products. Competes with REMPART across the same customer segments but at national scale and with a far larger digital and agent distribution footprint.
• Covéa: French mutual insurance group (parent of GMF, MMA, MAAF) offering complementary health and prévoyance alongside P&C and life products. Comparable mutual roots, but operating as a multi-brand national incumbent rather than a single regional mutuelle.
• Groupama: Large French mutual insurance group offering complementary health alongside property, auto, and life insurance through a regional-caisses network. Overlaps with REMPART in complémentaire santé for individuals and professionals but operates as a much broader multi-line incumbent.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/RempartMutuelle
• LinkedInlinkedin.com/company/rempartmutuelle
• Instagraminstagram.com/rempartmutuelle

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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 REMPART MUTUELLE