What Smia Antsirabe does

S.M.I.A. (Service Médical Interentreprises d'Antsirabe) is a mutual health organization (mutuelle de santé) headquartered in Antsirabe, Vakinankaratra, Madagascar, providing integrated healthcare services to formal and informal sector workers and their families. Under Madagascar's regulatory framework requiring all enterprises to enroll in an Inter-Enterprise Medical Service, S.M.I.A. operates on a B2B employer-membership model with 466 entreprise-adhérents covering approximately 48,988 affiliates, complemented by direct-to-consumer enrollment for informal-sector workers and household employees (gens de maison). Membership contributions are collected quarterly via bank counter, mobile banking, check, or bank transfer, with a 48-hour activation window after employment notice and mandatory quarterly card validation.

The service offering spans seven integrated lines: Médecine Générale (primary care), Médecine Spécialisée (specialist consultations), Imagerie médicale & Laboratoires (diagnostic imaging and laboratory examinations), Sécurité et Santé au Travail (occupational health and workplace prevention), Protection Maternelle et Infantile (maternal and child health), Dentisterie (dental care), and continuous 24/7 emergency and medical guard services. S.M.I.A. delivers these through two company-owned dispensaries (Dispensaire Centre Ambalavato as HQ and Antenne Mahazoarivo) and a network of seven partner CSB II community health centers extending coverage across Vakinankaratra region including the Mandoto district (117 km west of Antsirabe) and Ambatolampy commune. The cashless tiers payant (third-party payment) system allows S.M.I.A. to settle provider bills directly on behalf of affiliated workers.

Revenue derives from two streams: recurring quarterly membership cotisations from employers and direct healthcare service delivery income through owned dispensaries and partner centers under the tiers payant framework. Pricing is quote-based and not publicly disclosed, set within regulatory frameworks. Notable enterprise employer-clients include Groupe SOCOTA, Groupe STAR, Groupe CIEL, Groupe Imperial Tobacco, Groupe BASAN, and Groupe AXIAN. The organization employs approximately 89 technical medical staff and operates without disclosed parent company, external investors, or public listing.

Name

Smia Antsirabe

Legal name

Service Médical Interentreprises d'Antsirabe

Website

https://smia.mg

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

S.M.I.A. (Service Médical Interentreprises d'Antsirabe) is a mutual health organization in Antsirabe, Madagascar, providing integrated healthcare services to 48,988 affiliates across 466 employer members and their families through two owned dispensaries and seven partner health centers.

Ownership category

akta.pro rank

Product category

Occupational Healthcare Services

NAICS

Offices of Physicians (62111), Ambulatory Health Care Services (621)

SIC

Services-Offices & Clinics Of Doctors Of Medicine (8011), Services-Specialty Outpatient Facilities, Nec (8093)

akta.pro primary industry

Ambulatory Specialty Clinics (Multi-Specialty & Single-Specialty) (HLAFABAA)

Keywords

• Occupational health services
• Mutual health insurance
• Workplace healthcare
• Preventive medicine services
• Primary care dispensary

Headquarters

HQ city

Antsirabe

HQ country

Madagascar

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Supply Chain, Others

Revenue model

1. Membership Contributions (Cotisations): Quarterly membership fees paid by employers for their workers. Employers declare new employees and pay contributions via bank counter, mobile banking, check, or bank transfer.
2. Healthcare Services Revenue: Direct healthcare service delivery through owned dispensaries and partner health centers under third-party payment system

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

S.M.I.A. is a mutual health organization (mutuelle de santé) that delivers an integrated portfolio of healthcare services — general and specialized medicine, diagnostic imaging, laboratory, dental, maternal/child health, occupational health and safety, and 24/7 emergency care — to affiliated workers and their families in the Vakinankaratra region. Care is delivered through two company-owned dispensaries in Antsirabe and a network of seven partner CSB II community health centers, with a third-party payment (tiers payant) system enabling cashless treatment.

Product overview

S.M.I.A. (Service Médical Interentreprises d'Antsirabe) is a health mutual organization offering an integrated portfolio of healthcare services. The core offering comprises seven interconnected service lines: Médecine Générale (primary care), Médecine Spécialisée (specialist consultations), Imagerie médicale & Laboratoires (diagnostic imaging and lab services), Sécurité et Santé au Travail (occupational health and safety), Protection maternelle et Infantile (maternal and child health), Dentisterie (dental care), and emergency services including 24h/24 urgent care and medical guard services. These services are delivered through two company-owned dispensaries (Centre Ambalavato and Antenne Mahazoarivo) and a network of seven partner health centers (CSB II) across the Vakinankaratra region.

Differentiator

Problem solved

Functional benefit

Products and services

• Sécurité et Santé au Travail
• Médecine Générale
• Médecine Spécialisée
• Imagerie médicale & Laboratoires
• Protection maternelle et Infantile
• Dentisterie
• Service d'Urgence 24h/24
• Service de Garde Médicale

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Six partnerships are on record, tiered core.

• CSBII MandotocoreOthersCommunity health center partner (CSBII) in Mandoto district, 117 km west of Antsirabe. Provides coverage for formal and informal sector affiliates in the district.
• CSBII AntsoatanycoreOthersPartner health center in north Antsirabe II sector (OPCI Taratra zone). Provides prenatal consultations, vaccination, child health monitoring, and common pathology treatment.
• CSBII MangaranocoreOthersPartner health center in south-west Antsirabe II sector. Offers medical consultations, nursing care, and postnatal/child health follow-up for the Mangarano basin communes.
• CSBII AmbatolampycoreOthersCommunity health center partner in Ambatolampy commune, Vakinankaratra region. Covers formal and informal sector affiliates in the area.
• CSBII VinaninkarenacoreOthersFirst partner CSBII in south Antsirabe II sector. Provides general medical consultations, vaccinations, and common disease treatment.
• CSBII AndranomanelatracoreOthersReference health center in north Antsirabe II sector, headquarters of CHRD Andranomanelatra. Provides general consultations, preventive care, and maternal/child health program follow-up.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hygeia HMO: Nigeria's leading health maintenance organization providing employer-sponsored health plans through a provider network with cashless access. Comparable B2B subscription model and tiers payant-style third-party payment mechanics in an African emerging market.
• OSTIE (Organisation Sanitaire Tananarivienne Inter-Entreprises): Madagascar's first inter-enterprise medical service, headquartered in Antananarivo. Operates the same employer-mandated SMI model with affiliated dispensaries and partner health centers, serving workers across the capital region — the most direct competitor to S.M.I.A. in Vakinankaratra.

Emerging players

• Reliance HMO: Nigeria and Egypt-based digital health insurer using integrated provider networks and mobile-first enrollment for employer and informal-sector populations. Comparable subscription/tiers payant model with stronger tech stack.

Broad incumbents

• Old Mutual Health Solutions (Africa): African health insurance arm of Old Mutual offering employer-sponsored schemes in multiple African countries. Comparable subscription-based employer health coverage and provider network model, though serving larger economies.
• Cigna Healthcare Africa: Global health services company with employer-sponsored health plans and provider networks across Africa, including Madagascar through partnerships. Comparable B2B employer go-to-market but operating at a much larger portfolio scale.
• AXA Africa Health: Pan-African health insurance operations of AXA, including employer-sponsored schemes across multiple African markets. Comparable employer-selling motion and provider-network model, though operating at significantly larger scale and with broader product set.

Regional players

• Ny Havana Mutual Health: Madagascar-based community mutual health organization serving rural and informal sector populations. Comparable mutual health model and member-driven governance, though focused on community rather than employer enrollment.
• Société d'Assurances et de Réassurances de Madagascar (ARO): Domestically licensed Malagasy insurance company offering health products to individuals and employers. Comparable Madagascar-based health insurance provider but operating as a commercial insurer rather than a mutual SMI.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/smia-antsirabe

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 Smia Antsirabe