Mutumutu

Mutumutu is a direct-to-consumer life and income-protection carrier based in Prague, Czech Republic, operating within the Czech market and with a presence in France. Founded in 2018, the company built a digital platform for simplified life insurance featuring online application, transparent contract documentation, and a prevention-based rewards programme.

The platform underwrites work incapacity, disability, and death benefit coverage with minimal exclusions relative to traditional Czech market offerings. A distinguishing feature is a cashback mechanism: policyholders who maintain qualifying healthy behaviours -- such as regular exercise, non-smoking status, and preventive health check-ups -- can earn up to 30% back on premiums paid. Policy applications complete online in approximately 15 minutes, and contracts are condensed to a two-page format.

Mutumutu was acquired by KB Pojistovna, the insurance arm of KB Group (a Societe Generale subsidiary), in June 2023. Post-acquisition the brand operates as a digital product line under KB Pojistovna. Prior to acquisition, the company raised approximately EUR 1.1M in early-stage investment from Societe Generale Assurances and had also received backing from Creative Dock and Plug and Play Insurtech. It was recognised as Best InsurTech in Czechia in 2023.