Insurer profile
Mutuelle Générale de l'Éducation Nationale (MGEN)
Mutuelle Générale de l'Éducation Nationale (MGEN) · France
Overview
MGEN is a French mutual insurance organization historically dedicated to civil servants of the National Education, Higher Education, Research, Culture, Youth and Sports ministries, now offering health, provident, dependency and other insurance products to the wider public; it is a founding member of Groupe VYV, France's leading mutual insurance group.
Source14
Products in this market
1
Offer pages
Company details
- Parent group
- Groupe VYV
- Regulator
- Autorité de contrôle prudentiel et de résolution (ACPR)
- Phone
- 3676
- [email protected]
Products from Mutuelle Générale de l'Éducation Nationale (MGEN)
Health3
MGEN Santé Prévoyance
Comprehensive health and provident cover for public sector agents and retirees, available in four progressive tiers (Initial, Équilibre, Référence, Intégrale).
Efficience Santé
Complementary health insurance aimed at private-sector employees, retirees and jobseekers, available in five formulas.
ÔJI (student health insurance)
Student health mutual insurance with international coverage, no-advance-payment (tiers payant), and prevention benefits, available in Essentielle, Équilibre and Intégrale formulas.
Life4
Prévoyance - Dependency, Disability, Death (PID)
Provident cover for dependency, disability and death, providing a death benefit and financial support to members and their families.
Complément Autonomie MGEN (CAM)
Dependency insurance protecting both the member and their caregiving relatives, with an annuity and assistance services activated from subscription.
Néobsia (funeral insurance)
Funeral expense insurance solution with two contract types (capital or service-based) to relieve loved ones of funeral costs and organization, with assistance services.
Death Insurance (Assurance Décès)
Provident contract paying a death benefit of up to €150,000 to designated beneficiaries, which may also cover total and irreversible loss of autonomy.
Financial3
Assurance Emprunteur (Loan Insurance)
Borrower's insurance covering death, total/partial disability, or incapacity to work, reimbursing the outstanding loan balance to the bank.
Caution Acquisition MGEN (Real-Estate Loan Guarantee)
MGEN acts as guarantor (caution) for real-estate loans up to €1 million, for main residence, secondary residence or works, in partnership with Caisse d'Épargne.
Épargne-Retraite (Retirement Savings / PER)
Individual retirement savings plan (PER) offered by MGEN to help members build long-term retirement savings.
Regulatory updates
In May 2022, the ACPR sanctioned MGEN Vie with a public reprimand and a €1 million fine for failures in managing unclaimed death benefits and beneficiary searches under the AGIRA framework, related to death, disability, and funeral expense guarantees attached to health contracts between 2010 and 2018. The ACPR also decided to transfer MGEN's surety (Caution) business to Parnasse Garanties and revoked MGEN's authorization for branch 15-Caution, while MGEN retains its approval for branches 1-Accidents and 2-Maladie. In 2024, MGEN was selected to manage the new mandatory health insurance contract (PSC) for staff of the Ministry of National Education, effective progressively from 2025-2026.
Reputation and reviews
Offer pages
Travel insurance
travel insurance from MGEN for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026