MGPS

Name

MGPS

Legal name

Mutuelle Générale de Prévoyance Sociale (MGPS)

Website

https://mgps.fr

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Managed Care Entity Administration for Medicaid (MCO/PHP/PIHP/PAHP) (HLAEAEAJ)

Keywords

• Complementary health insurance
• Mutual insurance company
• Group health contracts
• Provident insurance coverage
• Funeral expense coverage

Headquarters

HQ city

Jarry

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Health Insurance Premiums (Santé): MGPS generates the majority of its revenue through recurring membership contributions (cotisations) from individuals, employees, civil servants, and self-employed workers. These are periodic premium payments that fund reimbursement of healthcare expenses and complementary health coverage.
2. Providence Insurance Premiums (Prévoyance): MGPS offers prévoyance (death, disability, income replacement) coverage through dedicated insurance products under its Vie et Décès and Natalité et Nuptialité licences, generating additional recurring premium revenue.
3. Collective / Group Health Contracts: MGPS provides mandatory and voluntary group health insurance plans to employers (collective contracts), with employer co-contribution covering at least 50% of the premium. Over 300 businesses currently hold collective contracts with MGPS.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

MGPS is a mutual insurance company that provides complementary health insurance (Complémentaire Santé) and provident coverage (Prévoyance) including death, disability, income replacement, maternity, and funeral guarantees to individuals, families, businesses, civil servants, and self-employed workers in Guadeloupe and Martinique. It also sells subsidized Complémentaire Santé Solidaire (CSS) coverage, tax-deductible Madelin contracts, and mandatory collective group contracts for employers, distributing these through physical agencies, a member portal, a mobile app, and dedicated enterprise sales representatives.

Product overview

MGPS (Mutuelle Générale de Prévoyance Sociale) is a mutual insurance company founded in 1980 in Guadeloupe, offering complementary health insurance (Complémentaire Santé) and provident coverage (Prévoyance). The portfolio includes core health insurance products for individuals, families, businesses, self-employed workers, and civil servants, complemented by death benefit guarantees (Obsèques), maternity benefits (Natalité), and group insurance contracts. The company provides specialized offerings through Madelin contracts for self-employed professionals and collective agreements for businesses. MGPS also operates digital services including a member extranet portal (Espace Adhérent) and mobile application enabling claims management, reimbursement tracking, and document handling. Prevention and promotion of health services and solidarity initiatives round out the organizational mission.

Differentiator

Problem solved

Functional benefit

Named customers4 records

Segments4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Eight partnerships are on record, tiered supporting, core and minor.

• APET 971 (Association pour l'Education Thérapeutique Guadeloupe)supportingStrategic or Co-development Partner · 31 March 2026MGPS co-promotes the APET 971 webinaire series on health topics such as asthma. These webinars provide patient education and health awareness to members and the broader community, reflecting MGPS's prevention and health promotion mission.
• Fédération Nationale de la Mutualité Française (FNMF)coreStrategic or Co-development PartnerMGPS is a member of the FNMF, which represents 95% of true mutuelles and covers more than half of the French population. FNMF advocates mutualist values (solidarity, liberty, democracy, responsibility) and provides a framework for mediation services. MGPS participates in FNMF's consumer mediation scheme for dispute resolution.
• Entis Mutuelles (Groupe Entis Mutuelles)coreTechnology or IntegrationMGPS operates within the Entis Mutuelles Group. The group's shared IT infrastructure, websites, and digital services are co-managed. The group's data processing systems and member portal are operated under the Entis Mutuelles umbrella.
• Lunettes Sans FrontièresupportingStrategic or Co-development PartnerMGPS partnered with Lunettes Sans Frontière to organize a glasses collection campaign across Guadeloupe and Martinique. Donated glasses were shipped to ASRAD in Haiti for free ophthalmological consultations and redistribution. Over 352 patients benefited.
• ASRAD (Haïti)minorOthersASRAD is a Haitian association that received donated glasses collected by MGPS in partnership with Lunettes Sans Frontière. ASRAD organizes free ophthalmological consultations and redistributes the collected glasses to patients in need in Haiti.
• Ligue d'Athlétisme de GuadeloupesupportingStrategic or Co-development PartnerMGPS's annual 5km solidarity run is integrated into the Ligue d'Athlétisme de Guadeloupe's competition calendar. The event raises funds for improving conditions for people with disabilities and promotes health through sport.
• Tessi (Technology Partner)coreTechnology or IntegrationTessi provides and operates the member portal (Espace Adhérent) and mobile application infrastructure on behalf of MGPS. The space is hosted by an HDS-certified (Hébergeur agréé de données de santé) health data hosting provider.
• Local Healthcare Professionals Network (Réseau de soins)supportingChannel Partner/ Reseller/ DistributorMGPS has established third-party payment (tiers payant) agreements with numerous healthcare establishments and professionals including hospitals, clinics, pharmacies, dentists, nurses, radiologists, physiotherapists, opticians, etc., across Guadeloupe and Martinique.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Mutuelle Générale: National French mutual health insurer offering complementary health coverage to individuals, families, enterprises, and public sector employees. Comparable to MGPS in product structure (complémentaire santé collective and individuelle) and mutualist governance.
• Harmonie Mutuelle: One of the largest French health mutuelles, FNMF member, providing complementary health and prévoyance to individuals, enterprises, and civil servants. Closely comparable in product breadth, FNMF affiliation, and collective contract focus.
• SMACL: Mutuelle specializing in territorial civil servants and local public-sector employees, with collective contracts for collectivités and hospitals. Directly comparable to MGPS's 'Agents du Service Public' segment focus.
• MGEL: French mutual health insurer serving students, young workers, and public-sector employees with complémentaire santé and prévoyance. Comparable member-base orientation and mutualist governance model.
• Malakoff Humanis: Major French mutual group providing complementary health, prévoyance, and retirement to enterprises and individuals. Comparable in offering Madelin contracts, collective enterprise coverage, and CSS-equivalent support.

Broad incumbents

• Matmut: Established French mutual insurer offering health, auto, home, and provident products with regional mutualist roots. Comparable in mutualist structure but broader in product portfolio and geographic scope than MGPS.
• Groupama: Large French mutual insurance group offering health, provident, P&C, and banking products with strong regional agency networks. Comparable in mutualist identity and agency-based distribution model.
• Crédit Mutuel Arkéa: French mutual banking group with insurance subsidiaries offering complementary health and prévoyance products. Comparable as a mutualist entity with collective contract capability, though broader in financial services.
• AXA France: Major French health and provident insurance provider with extensive enterprise and individual offerings. Comparable product set but a publicly traded incumbent rather than a mutual, providing competitive contrast.

Emerging players

• Alan: French insurtech offering digital-first complementary health insurance primarily to enterprises and self-employed workers. Comparable in targeting TNS and collective contracts but differentiated by a fully digital UX model that pressures traditional mutuelles.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCC44m-2-BC-OQjIluJ5GnjA
• Facebookfacebook.com/mutuelle.mgps
• Instagraminstagram.com/mgps_mutuelle
• Xx.com/mutuellemgps
• LinkedInlinkedin.com/company/mgps-mutelle

Compliance1 record

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 MGPS