mutuelle generale education nationale

Name

mutuelle generale education nationale

Legal name

MGEN INTERNATIONAL BENEFITS

Website

https://vyv-ib.com

Company type

Private

Operating status

Operating

Ownership category

akta.pro rank

Product category

International Health & Life Insurance

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

International Benefits Administration & Global Benefits Brokerage (BPACAHAG)

Keywords

• International health insurance
• Expatriate insurance coverage
• Social protection services
• Mutual health insurance
• International mobility insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. International Health Insurance Premiums: VYV International Benefits generates revenue through insurance premiums for health, life & disability coverage for expatriates, international workers, NGOs, diplomats, and students worldwide. The company offers group contracts, individual contracts, and open group plans.
2. Social Protection Services: Revenue from providing social protection coverage for NGOs, embassies, and consulates globally, including assistance and repatriation services.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels3 records

Core offering

VYV International Benefits (commercial name of MGEN International Benefits) is a mutualist specialist in international health and life & disability insurance for expatriates and internationally mobile individuals. It designs, underwrites, and distributes health, life & disability coverage through group contracts, individual contracts, and open group plans via a network of brokers, wholesalers, TPAs, Lloyd's syndicates, insurers, and bancassurers.

Product overview

VYV International Benefits operates as a mutualist specialist in international health and life & disability insurance, offering a comprehensive portfolio of insurance solutions through a network of specialized distribution partners. The product suite centers on five core offerings: (1) International Health and Life & Disability Coverage serving companies, affinity groups, and individuals through group contracts, individual contracts, and open group arrangements; (2) Social Protection for NGOs, embassies, and consulates; (3) Critical Care for patient referral and treatment in countries with excellent healthcare networks; (4) Student Insurance for French and foreign students; and (5) HNWI Insurance for high net worth individuals. The company leverages VYV Group's insurers with Freedom of Service licenses for EU countries, multiple fronting and reinsurance arrangements, and a Fitch A+ financial rating to provide quality social protection worldwide.

Differentiator

Problem solved

Functional benefit

Products and services

• International Health and Life & Disability Coverage (Couverture santé & Prévoyance à l'international) Comprehensive health and life & disability insurance coverage for expatriates and internationally mobile individuals, offered through group, individual, and open group arrangements for companies, affinity groups, and individuals.
• Social Protection (Protection sociale) Social protection solutions tailored for NGOs, embassies, and consulates worldwide, providing comprehensive coverage including assistance and repatriation for diplomatic and humanitarian personnel.
• Critical Care Treatment and referral services for patients with serious and long-term pathologies, providing access to countries with excellent care networks, including France, for premium healthcare facilities.
• Student Insurance (Assurance aux étudiants) Essential insurance coverage for French and foreign students to protect them worldwide during their studies, meeting visa and enrollment requirements.
• High Net Worth Individuals Insurance (Offre HNWI) Specialized insurance offer dedicated to High Net Worth Individuals (HNWIs), providing premium coverage with enhanced benefits and services for wealthy expatriates.

Quantifiable outcome

• Access to international markets through numerous fronting and reinsurance arrangements

Named customers11 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

Partnerships

Ten partnerships are on record, tiered core and major.

• Harmonie MutuellecoreStrategic or Co-development PartnerPart of of the VYV Group ecosystem, VYV International Benefits works with Harmonie Mutuelle, one of France's leading mutual health insurers, as part of the broader mutualist insurance group providing comprehensive coverage solutions.
• MGENcoreStrategic or Co-development PartnerVYV International Benefits is the commercial name of MGEN INTERNATIONAL BENEFITS, operating as the international subsidiary of MGEN (Mutuelle Générale de l'Éducation Nationale), leveraging MGEN's expertise in health and welfare insurance.
• MMG (Mutuelle Militaire Gendarmerie)coreStrategic or Co-development PartnerMMG is part of the VYV Group mutualist ecosystem, collaborating on insurance solutions for specific professional segments within the broader network.
• MNT (Mutuelle Nationale Territoriale)coreStrategic or Co-development PartnerMNT, the national mutual for territorial civil servants, operates within the VYV Group ecosystem, contributing to the mutualist insurance network.
• VYV 3coreStrategic or Co-development PartnerVYV 3 is a subsidiary of the VYV Group, part of the comprehensive mutualist insurance ecosystem supporting VYV International Benefits.
• Groupe Arcade VYVcoreStrategic or Co-development PartnerGroupe Arcade VYV is part of the VYV Group ecosystem, contributing to the mutualist insurance and healthcare network.
• Specialized Brokers (International Mobility)coreChannel Partner/ Reseller/ DistributorVYV International Benefits partners with specialized brokers who distribute international health and life & disability insurance products to expatriates, corporate clients, and individuals.
• Third Party Administrators (TPAs)coreImplementation/ SI/ Consulting PartnerPartnerships with Third Party Administrators specialized in international mobility for innovative underwriting and management solutions, enabling better risk management and tailored insurance packages globally.
• Lloyd's SyndicatesmajorChannel Partner/ Reseller/ DistributorCollaboration with Lloyd's of London underwriting syndicates for accessing international insurance markets and providing comprehensive coverage to expatriates worldwide.
• Insurers and BancassurersmajorChannel Partner/ Reseller/ DistributorPartnerships with insurance companies and bancassurance networks providing access to foreign markets through fronting and reinsurance arrangements, expanding distribution reach globally.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Henner: Henner is a French-headquartered international health, life, and disability insurance specialist serving expatriates, companies, and individuals—directly comparable to VYV-IB in product scope (group, individual, affinity), customer segments (corporates, NGOs, students), and reliance on a partner distribution network including brokers, TPAs, and reinsurers.
• APRIL International: APRIL International is a French-origin broker and insurer of international health, life, and disability products for expatriates, mobile employees, students, and HNWIs. Highly comparable to VYV-IB across target segments, product mix, and broker-led distribution model.
• MSH International: MSH International is a Paris-headquartered specialist in international health insurance for expatriates, companies, NGOs, and students, with group and individual products. Closely comparable to VYV-IB in target segments, French origin, broker-led distribution, and product portfolio.

Broad incumbents

• Cigna Global Health: Cigna Global Health offers international health insurance for expatriates and globally mobile employees, with much broader scale, direct corporate sales, and global provider networks. Comparable as a global incumbent serving overlapping expatriate and corporate client segments.
• Allianz Care: Allianz Care is the international health and life insurance arm of Allianz, providing group and individual expatriate coverage. Comparable in product offering (international health, life, disability for expatriates and students) but operates at much larger scale and with broader geographic licensing than VYV-IB.
• AXA Global Healthcare: AXA Global Healthcare serves internationally mobile individuals, corporate employees, and students with health and protection products. Comparable as a major incumbent serving the same expatriate and mobility market segments as VYV-IB.
• Bupa Global: Bupa Global is a specialist international health insurer focused on expatriates and corporate mobility programs. Directly comparable product offering, with broader provider network ownership and global brand presence.

Emerging players

• Now Health International: Now Health International is a digitally-led international health insurance provider for individuals, SMEs, and corporate groups. Comparable in expatriate and mobility target market, with stronger emphasis on direct digital distribution and tech-led UX than VYV-IB.
• GeoBlue: GeoBlue specializes in international health insurance for US expatriates, travelers, and globally mobile employees, often leveraging partnership channels. Comparable product overlap with VYV-IB's expatriate and student segments, particularly in the US outbound mobility market.

Others

• International SOS: International SOS provides medical assistance, travel security, and health services to globally mobile workforces and NGOs. Comparable in serving NGOs, diplomatic missions, and corporate expatriates, though primarily as assistance/security provider rather than underwriter—making it an adjacent ecosystem participant and potential partner.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 →

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