Mutuelle Des Organismes Sociaux

What Mutuelle Des Organismes Sociaux does

Mutuelle Des Organismes Sociaux (Mutuelle MOS) is an independent French mutual health and provident insurer founded in 1948 and headquartered in Dijon, Bourgogne-Franche-Comté. Operating as a Société Mutualiste under the Code de la Mutualité with ACPR oversight, the company has no external shareholders and reinvests all cotisations into member benefits, governed by elected member delegates. Its core offering is a three-tier individual health guarantee stack (Optimal, Médial, Maximal) covering routine care, hospitalization, dental, optical, hearing aids, and alternative medicine, supplemented by four sur-complémentaire modules (Basis, Fidélio, Altinum, Pastel) and a dedicated TNS provident product eligible for Madelin-law tax deductibility. Enterprise customers are served through BASIPRO/OPTIPRO/MEDIPRO collective plans for TPE/PME, UCANSS collective scheme members, and a Villes & Communes territorial program anchored by a renewed convention with the Conseil Départemental de la Nièvre.

The business is monetized through recurring monthly or quarterly cotisations, priced on a quote basis by subscriber profile, age, location, and coverage level. Distribution runs through two physical agencies (Dijon headquarters, Montbard branch), regular on-site permanences across the Nièvre department, dedicated named advisors (4 individual conseillers plus business relationship manager Audrey Besson and assistant Claire), and direct telephone/email access without call-center intermediation. Digital servicing is delivered through a mobile application and Espace Adh\u00e9rent member portal powered by Synergie Mutuelles, supporting reimbursement tracking, document submission, and digital third-party payment (tiers payant). Customer acquisition also relies on a targeted TNS referral (parrainage) program and community sponsorships including JDA Dijon basketball, JCE, 4L Trophy, and Arc en Rose.

Technology stack is operationally modest: claims and reimbursement management via the Synergie Mutuelles platform, integration with Kalixia care networks for dental and audio services, and standard mobile/portal interfaces. The company is currently executing its PASS 2024-2027 strategic plan and has approved a fusion-absorption of Mutuelle LFIE (La Fraternelle Inter-Entreprises) effective 1 January 2026, which will add approximately 3,200 protected persons and strengthen its position as a recognized regional mutualist actor.

Name

Mutuelle Des Organismes Sociaux

Legal name

Mutuelle MOS – Mutuelle des Organismes Sociaux

Website

https://mutuelle-mos.fr

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

11–50 employees

Short description

Mutuelle MOS is an independent French mutual health and provident insurer founded in 1948, headquartered in Dijon, serving individuals, self-employed professionals, and small businesses in Bourgogne-Franche-Comté through tiered health guarantees, enterprise collective plans, and digital member services.

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)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Fully Insured Small Group Plans (HLAEAAAB)

Keywords

• Mutual health insurance
• Complementary health coverage
• Provident insurance plans
• Self-employed health plans
• Enterprise health benefits

Headquarters

HQ city

Dijon

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Cotisations mutuelle santé: Monthly or quarterly premium contributions from individual members (particuliers, indépendants) and enterprise group contracts. Contributions are calculated based on coverage level chosen and member profile. Operates on mutualist principle where contributions are pooled and reinvested into member benefits rather than distributed to shareholders.
2. Prévoyance TNS: Provident insurance products for self-employed (travailleurs non salariés) covering work stoppage, disability, and death. Provides daily indemnities, disability pension, and capital for dependents.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Mutuelle MOS is an independent mutual health and provident insurance company operating under the French Code de la Mutualité, offering complementary health coverage (santé) and provident insurance (prévoyance) to individuals, self-employed professionals, and small/medium enterprises. Its portfolio comprises three tiered individual health guarantees (Optimal, Médial, Maximal), four supplemental top-up plans (Basis, Fidélio, Altinum, Pastel), dedicated enterprise plans (BASIPRO, OPTIPRO, MEDIPRO), Madelin-eligible TNS provident insurance, and a Villes & Communes program for local government employees.

Product overview

Mutuelle MOS operates as an independent mutual health insurance provider founded in 1948, offering a portfolio of health and provident insurance products. The core offering consists of three tiered health guarantee plans (Optimal, Médial, Maximal) providing progressively enhanced coverage for hospitalization, dental, optical, and specialist care. The product range includes supplemental insurance plans branded as Formules + (Basis, Fidélio, Altinum, Pastel) offering targeted reinforcements for specific coverage areas. Business customers are served through dedicated SME plans (BASIPRO, OPTIPRO, MEDIPRO) addressing the 2016 ANI obligation for employer-provided health coverage. A specialized Villes & Communes program serves local government employees in partner territories like the Nièvre department. Self-employed professionals (TNS) access Madelin-compliant health and provident insurance with tax-deductible contributions. All members access the Synergie Mutuelles-powered digital member portal and mobile application for claims management and reimbursement tracking.

Differentiator

Problem solved

Functional benefit

Products and services

• Garantie Optimal Essential health coverage plan covering basic medical consultations, pharmacy, dental care, and medical analyses; designed for budget-conscious individual members such as students and young professionals seeking simple, affordable protection.
• Garantie Médial Comprehensive coverage plan providing extended protection including hospitalization, dental, optical, and specialist consultations; the reference guarantee tier at Mutuelle MOS, balancing broad coverage with reasonable pricing.
• Garantie Maximal High-level coverage plan for the most costly healthcare expenses including hospitalization, specialist fees, dental, optical, hearing aids, and alternative medicine; offers maximum reimbursement for expensive treatments.
• Basis (Sur-complémentaire) Entry-level supplemental health insurance reinforcing essential coverage areas while preserving budget; adds to a base plan for optical, dental, or specialist needs.
• Fidélio (Sur-complémentaire) Mid-tier supplemental plan offering the best value between benefits and cost; provides enhanced coverage for those seeking stronger protection without premium pricing.
• Altinum (Sur-complémentaire) Most comprehensive supplemental insurance offering high-level reinforcements across all coverage categories including optical, dental, hospitalization, and specialist fees.
• Pastel (Sur-complémentaire) Specialized supplemental plan dedicated to alternative medicine coverage including osteopathy, acupuncture, chiropractic, sophrology, podiatry, dietetics, hypnosis, and naturopathy.
• BASIPRO Entry-level business health plan meeting minimum regulatory requirements (ANI/Dufor); covers essential employee needs including hospital daily rate, basic care, pharmacy, and dental with budget-conscious pricing.
• OPTIPRO Mid-tier business health plan providing comprehensive coverage especially on hospitalization, dental, and optical; offers best benefits-to-contribution value ratio for small and medium businesses.
• MEDIPRO Premium business health plan covering high-cost care including hospitalization, specialist fees, dental, optical, and alternative medicine; provides excellent coverage to minimize employee out-of-pocket expenses.
• Villes & Communes Localized health coverage program for residents of partner territorial communities (collectivités partenaires); currently includes the Conseil Départemental de la Nièvre (58). Offers three levels of guarantees at negotiated rates with employer contribution support for eligible public-sector employees.
• Prévoyance TNS Self-employed (TNS) financial protection plan covering income loss from work stoppage, disability benefits, and death coverage; compliments health insurance by ensuring financial stability against life's unexpected events. Eligible for Madelin law tax deductions.
• Espace Adhèrent (Member Portal) Online member portal allowing policyholders to view reimbursements, access digital third-party payment cards, submit documents, and manage their health insurance accounts; available for both regular members and UCANSS members.
• Mutuelle MOS Mobile Application Smartphone application available on Google Play and App Store for managing health insurance on the go; enables reimbursement tracking, digital card access, document submission, and real-time claim management.

Quantifiable outcome

• 3,200 additional members from LFIE fusion-absorption effective January 2026, strengthening regional market position
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered minor, core, major and supporting.

• 4L TrophyminorGTM or Marketing Partner · 20 February 2026MOS supports the 4L Trophy, a humanitarian student car rally (Cevennes desert challenge). This sponsorship demonstrates MOS's commitment to youth and solidarity values, attracting student and young professional attention.
• Mutuelle LFIE (La Fraternelle InterEntreprises)coreStrategic or Co-development Partner · 1 October 2025Fusion-absorption of Mutuelle LFIE into Mutuelle MOS approved unanimously by delegates at the 19 June 2025 General Assembly, pending ACPR validation. Effective 1 January 2026, 3,200 additional protected persons will join MOS. Represents a major strategic consolidation strengthening MOS's position as a recognized mutualist actor in the region.
• Conseil Départemental de la Nièvre (Convention Nièvre Santé)majorStrategic or Co-development Partner · 7 January 2025MOS has a renewed convention (renewed January 2025) with the Conseil Départemental de la Nièvre for the Villes & Communes program. Provides residents of Nièvre with negotiated-rate health guarantees (3 levels: Niveau 1, 2, 3) and on-site permanence services in multiple municipalities. The Médial guarantee is labeled for employer participation eligibility.
• Arc en RoseminorGTM or Marketing Partner · 23 October 2024MOS participates in Arc en Rose breast cancer awareness event, reaffirming its commitment to solidarity and health prevention in the local community.
• JDA Dijon Bourgogne AssociationmajorGTM or Marketing Partner · 16 May 2024MOS is a partner of JDA Dijon Bourgogne basketball club. Partnership includes jersey logo sponsorship, support for Basketonik sport-health program promoting gentle basketball for all ages and conditions, and team presence at events. This partnership reflects shared values of sport, health, and community engagement.
• Jeune Chambre Economique (JCE)minorGTM or Marketing Partner · 16 May 2024MOS announced a partnership with the Jeune Chambre Economique (JCE), a local professional networking organization, supporting their activities and community initiatives.
• Mutualité Française (Fédération nationale)coreStrategic or Co-development PartnerMutuelle MOS is affiliated with Mutualité Française (Mutualist Federation), displaying the Mutualité Française logo on its partner trust section. This affiliation connects MOS to the broader mutualist network and provides access to collective resources, standards, and mutualist values framework.
• Vyv PartenariatcoreStrategic or Co-development PartnerVyv Partenariat is displayed as a trust partner on the MOS website. Vyv is a major mutualist group in France created by the merger of Harmonie Mutuelles and MNT, offering shared services and partnerships for regional mutuals.
• Kalixia (réseau de soins)supportingTechnology or IntegrationMOS is connected to Kalixia healthcare network (Kalixia Dental, Kalixia Audio) providing members access to negotiated-rate providers for dental and hearing care. Listed as an advantage for members.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Henner: French mutual group specializing in group health and prévoyance insurance for corporates and SMEs. Operates under mutualist governance similar to MOS and competes for the same enterprise collective contract segment.
• MGEN: Major French mutual serving education, public-sector, and healthcare workers with complementary health, prévoyance, and dependency coverage. Operates under the same Code de la Mutualité framework and competes for similar individual and collective segments.
• Matmut: Regional French mutual insurer (originating in Normandy) offering complementary health, auto, home, and prévoyance products with strong regional identity and member-driven governance analogous to Mutuelle MOS.
• Mutuelle Générale: National French mutual health insurer offering complementary health and prévoyance products to individuals and businesses under the same mutualist, nonprofit governance model as Mutuelle MOS. Directly comparable in product structure and member-driven mission.
• Mutuelle de Poitiers (Crédit Mutuel Arkéa): Regional French mutual offering complementary health and prévoyance to individuals and businesses in its home territory. Structurally similar to MOS in regional scope, mutual governance, and tiered product portfolio.
• April: French insurance specialist focused on health, prévoyance, and protection products for individuals, self-employed professionals, and SMEs — directly comparable to MOS's TNS and TPE/PME positioning.

Broad incumbents

• Macif: Major national French mutual offering health, home, auto, and prévoyance products. Competes with MOS in individual complementary health and SME collective contracts, with much broader geographic and product reach.
• Harmonie Mutuelle (Vyv): Largest French mutualist group, formed from the merger of Harmonie Mutuelles, MNT, and other mutuelles. Offers the full range of health, prévoyance, and dependency products at national scale; MOS is an affiliated partner via Vyv Partenariat.
• SwissLife France: Major French life and health insurer offering complementary health, prévoyance, and savings products to individuals and businesses. Broad incumbent competing across MOS's full product range at national scale.

Emerging players

• Alan: Digital-native French health insurer offering app-first complementary health and prévoyance for individuals and SMEs. Represents the emerging digital-first competitive threat to traditional regional mutuelles like MOS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Mutuelle-Mos-111061535716998
• LinkedInlinkedin.com/company/mutuelle-mos

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Mutuelle Des Organismes Sociaux