MGEN

Name

MGEN

Legal name

MGEN, Mutuelle Générale de l'Éducation Nationale

Website

https://mgen.fr

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance and Employee Benefit Funds (5251), Ambulatory Health Care Services (621)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Medigap Provider Network & Contracting Support (as applicable) (HLAEADAK), Hybrid Life + LTC (Linked-Benefit) Insurance (FSAIAJAB)

Keywords

• Complementary health insurance
• Mutual health insurance
• Provident insurance
• Life insurance savings
• Healthcare services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: MGEN generates revenue through monthly premium contributions from its 4.2 million members across various health insurance plans (mutuelle santé, prévoyance). Premiums are calculated based on coverage level chosen (Essentiel, Renforcé, Optimal) and member profile (public servant, student, retiree, etc.)
2. Life Insurance Products: Epargne Vie life insurance and retirement savings products generate revenue through policy management fees and fund management charges (0.60% for unit-linked funds)
3. Healthcare Services: Revenue from operating 33 healthcare establishments including medical centers, dental centers, and mental health facilities open to all patients at regulated tariffs
4. Travel and Property Insurance: Additional insurance products including travel insurance (Voyage Zenith, Voyage Horizon), borrower insurance, pet insurance, and legal protection insurance

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

MGEN (Mutuelle Générale de l'Éducation Nationale) is a French mutual insurance organization providing complementary health insurance, provident (income protection) coverage, life insurance, and retirement savings to public sector employees, students, private sector workers, and retirees. The company also operates 33 owned healthcare establishments and offers digital health services including teleconsultation, health coaching, and a voice coaching app.

Product overview

MGEN is a mutual health insurance organization operating as part of the Groupe VYV, offering a comprehensive portfolio of health insurance and provident products alongside savings, retirement, and property insurance solutions. The core product line consists of MGEN Mutuelle Santé Prévoyance with specialized sub-brands for different segments (ÔJI for students, Efficience Santé for private sector, and dedicated offerings for public sector employees including Education, Hospital, and Territorial functions). Supporting the insurance products, MGEN provides value-added services including life insurance (Épargne Vie), travel insurance, pet insurance, legal protection, borrower insurance, and real estate services. The company also operates a network of 33 health establishments and offers digital health services including Vivoptim coaching, Vocal'iz vocal coaching app, Maiia teleconsultation platform, and the Kalixia provider network for optics and audiology.

Differentiator

Problem solved

Functional benefit

Brands

• OJI: Student health insurance offering with plans starting from €15/month, designed specifically for students.
• Maiia
• Vivoptim
• Vocal'iz
• Efficience Santé

Products and services

• MGEN Mutuelle Santé Prévoyance Core health and provident insurance product for public sector employees (Education Nationale, Enseignement Supérieur, Recherche, Culture, Sports) and other segments, offering tiered coverage levels and 100% Santé integration.
• ÔJI Mutuelle Étudiante Student-specific health insurance offering 5 plans starting from €15/month with mobile app integration, valid internationally, featuring 100% Santé coverage.
• Efficience Santé
• Mutuelle Fonction Publique Hospitalière Specialized health insurance for hospital public sector employees with coverage for medical, dental, optical, and hospital expenses.
• Mutuelle Fonction Publique Territoriale Health insurance for local government public sector employees.
• Assurance-Vie Épargne Vie Life insurance and savings product from €50 with three management modes (Profilée from €50, Gestion sous Mandat from €1,000, Gestion Libre from €150). Includes tax advantages after 8 years and received 2026 Label d'Excellence.
• Plan Épargne Retraite Retirement savings plan enabling individuals to build retirement savings with tax advantages.
• Assurance Emprunteur Loan insurance protecting borrowers in case of disability, inability to work, or death, including for high-risk professions.
• MGEN Caution Acquisition Guarantee service for real estate loans, covering up to 30 years for loans with partner banks. No personal contribution required for loans under €130,000.
• Assurance Obsèques Neobsia Funeral expense insurance guaranteeing capital payment to a designated person plus assistance services for funeral organization.
• Complément Autonomie MGEN Dependency insurance offering monthly annuity or capital for dependency situations, with personalized services for caregivers and dependents.
• Prêt Installation MGEN-CASDEN Installation loan of €1,000 to €3,000 over 12-36 months at 0% interest with no file fees and free borrower insurance up to age 36.
• Assurance Voyage Zenith / Horizon Travel insurance covering trip cancellation, medical emergencies up to €150,000 per person, search and rescue costs up to €15,000, and repatriation.
• Assurance Santé Animale Pet health insurance for dogs and cats with no medical examination required at entry and reimbursements starting from €1.
• Assurance Protection Juridique Legal protection insurance covering legal costs from €1, with a network of partner lawyers and legal assistance via chat or phone.
• Complémentaire Santé Solidaire (CSS) Government-subsidized complementary health coverage for low-income individuals, free for resources under €9,571 or with income-based contribution from €8 to €30/month.
• Centres de Santé MGEN Network of 33 healthcare establishments including medical and dental centers, optical centers, rehabilitation centers, mental health facilities, and senior housing, providing care at regulated tariffs.
• Maiia Téléconsultation Teleconsultation platform providing 24/7 access to medical consultations, fully covered by MGEN for policyholders.
• Vivoptim Health Coaching Service Personalized digital health coaching service providing weekly coaching sessions, support from health professionals (coaches, dietitians, psychologists), and tailored health content for members.
• Vocal'iz Mobile Application Free vocal coaching app developed with FNO and IRCAM featuring voice analysis, 60+ exercises, and prosody training.

Quantifiable outcome

• 4.2 million people protected with health coverage
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature6 records

Partnerships

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

• MaiiacoreTechnology or IntegrationMaiia provides the teleconsultation platform used by MGEN members, enabling 24/7 access to doctors via video consultation. MGEN fully covers teleconsultations for its members through this partnership.
• VivoptimcoreTechnology or IntegrationVivoptim is the digital health coaching service integrated into MGEN offerings, providing personalized wellness programs with weekly coaching sessions, professional support (coaches, dietitians, psychologists), and tailored health content for members.
• Kalixia (Optique, Contacto, Audio)coreTechnology or IntegrationKalixia networks provide MGEN members with access to 6,900 optical partners, 4,460 audiologists, and contact lens providers with negotiated rates and no upfront costs through third-party payment.
• Fédération Nationale des Orthophonistes (FNO)flagshipStrategic or Co-development PartnerFNO collaborated with MGEN to develop the Vocal'iz coaching app for voice preservation, contributing clinical expertise in speech therapy to the application's design and content.
• IRCAM (Institut de Recherche et de Coordination Acoustique/Musique)flagshipStrategic or Co-development PartnerIRCAM partnered with MGEN to develop Vocal'iz, providing acoustic and musical expertise for voice analysis and coaching features in the mobile application.
• Banque PostaleminorChannel Partner/ Reseller/ DistributorMGEN Caution Acquisition can be used for loans from Banque Postale, allowing members to use MGEN's guarantee service for property purchases.
• Caisse d'EpargneminorChannel Partner/ Reseller/ DistributorMGEN Caution Acquisition available for loans from Caisse d'Epargne, similar partnership for property loan guarantee services.
• CASDENminorChannel Partner/ Reseller/ DistributorCASDEN partners with MGEN to offer MGEN-CASDEN installation loans (€1,000-3,000 over 12-36 months) with 0% interest and no file fees, with borrower insurance offered free for up to 36 months.
• VYV GroupflagshipStrategic or Co-development PartnerMGEN is part of the VYV Group, a major mutual health insurance federation in France. This umbrella organization enables shared resources, research initiatives, and collective advocacy for mutualist values.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Alan: French health insurtech providing digital-first complementary health insurance to SMEs and individuals — emerging mutual competitor using technology to attack the SMB/employee segment MGEN also serves via Efficience Santé.

Direct peers

• MACIF: Major French mutualist insurer offering health, property and personal insurance under the mutualist code; comparable in mutual governance, multi-product breadth and member-owned values.
• Harmonie Mutuelle: Large French mutual health insurer serving public sector and private individuals, with strong overlap in complementary health coverage (mutuelle santé), prévention offerings, and proximity-agency distribution. Closest functional twin to MGEN's mutuelle model.
• Malakoff Humanis: Major French social protection group offering health, prévoyance, retirement and savings to corporates and individuals, with a strong footprint in the public sector employee market — directly overlaps MGEN's core segments and employer-group contracts.
• Groupama: French mutual insurance group offering health, life, property and asset management; significant overlap with MGEN's complementary health and multi-line insurance offering in the French market.
• La Mutuelle Générale: Paris-headquartered French mutual health insurer covering employees and individuals with complementary health, prévoyance and savings; competes for the same SME and individual member pool as MGEN.

Broad incumbents

• SwissLife France: French insurance subsidiary focused on life, health, prévoyance and retirement savings; competes with MGEN in the savings/life and prévoyance segments and increasingly in group health for corporates.
• Crédit Agricole Assurances: Bank-insurer arm of Crédit Agricole offering life, health and property products via banking channels; overlapping in life insurance and savings (where MGEN launched Épargne Vie) and in distribution via bank partnerships.
• AXA France: The French arm of a global insurance leader offering health, life, and property-casualty; broader product portfolio but overlapping health, prévoyance and life/savings where MGEN competes for public sector groups and affluent individuals.

Regional players

• Klesia: French mutualist social protection group serving enterprises, particularly in healthcare, medico-social and SME segments; comparable to MGEN's enterprise group health and prévoyance business with overlapping public-sector-adjacent clientele.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC5Ts3K6gaMnnoVGd6WVWiPg
• Facebookfr-fr.facebook.com/MGEN.et.vous
• Xx.com/mgenetvous
• LinkedInlinkedin.com/company/mgen

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MGEN