Mutuelle Générale de l'Éducation Nationale (MGEN)
MGEN
MGEN is a travel insurance for the France market with online purchase and 24/7 assistance.
Direct payment
Through its network of 9,400 partner hospitals and clinics worldwide, MGEN can arrange direct settlement (advance of funds) with the care provider instead of requiring the insured to pay upfront and seek reimbursement afterwards
Geographic scope
Worldwide, for insured persons domiciled in mainland France or the DROM, travelling abroad for less than 90 days
Coverage applies in the destination country/countries declared at subscription; medical expenses, hospitalization, document theft/loss and legal assistance guarantees are not payable for events occurring in France; travel to Belarus, North Korea, Russia and Ukraine is excluded even for the systematic guarantees, and Cuba, Iran and Switzerland are excluded for the optional guarantees
Starting price
€20
Indicative — pricing assumptions not stated
Unique selling points
- Access to a curated worldwide network of 9,400 hospitals and clinics selected by MGEN for quality of care, enabling direct settlement instead of upfront payment
- Medical expense ceiling of €150,000 per insured person, a level comparable to premium bank card travel insurance
- Unusually flexible subscription window allowing purchase up to 72 hours after booking the trip, versus the 24-48 hour limits typical of competitors
- If hospitalized alone, MGEN organizes and funds the travel of a relative to the insured's bedside for psychological support
- The Zénith formula covers trip cancellation even in the event of a visa refusal, and covers epidemics/pandemics declared at least 3 days before departure
Coverage limits
Medical expenses abroad
€150,000
Medical expenses incurred abroad are covered up to €150,000 per insured person (advance of funds or reimbursement), reduced to €30,000 for nervous, mental, psychic or psychological illnesses; identical ceiling for both Horizon and Zénith
Emergency medical treatment
€150,000
Emergency medical treatment abroad is covered via advance of funds or reimbursement within the overall €150,000 medical expenses ceiling
Hospitalization abroad
€150,000
Hospitalization costs abroad are included within the overall €150,000 medical expenses ceiling; no separate hospitalization sub-limit is stated
Outpatient treatment
€150,000
Outpatient (ambulatory) care abroad is covered within the overall €150,000 medical expenses ceiling
Emergency dental care
No limit stated
No specific emergency dental coverage or sub-limit was found in the reviewed sources
Medical transport
Covered
Sanitary transport to the most appropriate hospital facility is systematically covered in case of accident or illness, with no monetary ceiling stated
Medical evacuation / repatriation
Covered
Sanitary repatriation of the insured (with accompanying persons if necessary) is covered at actual cost with no deductible, no overall monetary ceiling stated
Repatriation of remains
Covered
Repatriation of the body to France in case of death is systematically covered, with no monetary ceiling stated
Search and rescue costs
€15,000
Search costs are covered up to €15,000 and rescue costs up to €5,000 per the Horizon formula documentation; systematically included on both tiers
COVID-19 treatment
No limit stated
No official MGEN source explicitly clarifies whether COVID-19 medical treatment abroad is covered under the general illness guarantee or excluded
Pre-existing conditions
No limit stated
No official MGEN source clarifies the treatment of pre-existing conditions
Winter sports cover
Covered
Standard winter/gliding sports such as skiing, snowboarding and surfing are covered outside of competition, within the general medical guarantees
Adventure / high-risk sports cover
Excluded
Sports practiced competitively or professionally, and high-risk activities such as diving beyond 40m, paragliding, mountaineering, bungee jumping and skydiving are excluded from cover
Pregnancy complications
No limit stated
No official MGEN source specifies coverage terms for pregnancy complications
Personal liability abroad
€4,500,000
Only in Zénith
Personal liability for bodily and material damages caused to third parties abroad is covered up to €4,500,000 per claim with a €75 deductible per file; this guarantee is bundled automatically into the Zénith formula, while it is listed as an optional add-on that can be selected on the Horizon formula
Legal fees and bail bond
€3,000
Lawyer's fees and/or legal costs following a theft abroad are covered up to €3,000; the Horizon offer page additionally mentions a bail bond advance up to €10,000
24/7 assistance hotline
Covered
A 24/7 assistance hotline is available for illness, accident, death, theft or loss of identity papers and payment means while abroad
Key conditions
Assistance call deadline
No general assistance call deadline in hours is stated; however in the event of theft, the insured must file a police report within 24 hours and provide the original copy
Unauthorized treatment
The reviewed documents do not describe a specific financial penalty for arranging treatment without contacting assistance first; general contractual obligations (accurate declarations, supporting documents, timely claim notification) apply on pain of nullity or loss of cover
Purchase while abroad
Subscription is possible up to 72 hours after the travel/flight purchase and must occur before departure; the reviewed sources do not describe a purchase-while-already-abroad scenario
Chronic conditions
The documents do not specifically address chronic diseases; they only specify that nervous, mental, psychic or psychological illnesses are capped at €30,000 instead of the standard €150,000 medical ceiling
Pregnancy
No specific provisions regarding pregnancy were found in the reviewed sources
Pre-existing condition exclusions
No specific provisions regarding pre-existing conditions were found in the reviewed sources
Coverage duration limit
Insurance guarantees take effect on the day of departure and end on the day of return, with a maximum of 90 consecutive days after departure; for contracts exceeding 1 month, the policyholder may exercise a 14-day right of withdrawal
Where to buy
Policy specifics
Travel cancellation insurance
Protection against cancellation costs; included in Zenith formula, not in Horizon
SourceBaggage and luggage protection
Coverage for lost, damaged, or delayed baggage; included in Zenith, not in Horizon
SourceLegal liability coverage abroad
Coverage for legal liability and damages to third parties abroad; included in Zenith, not in Horizon
SourceStay extension coverage
Hotel accommodation costs covered if stay must be extended due to medical reasons
SourceMaximum coverage duration
Policies cover maximum 90 consecutive days per trip
SourceSource no longer reachableMedical expenses coverage ceiling
Maximum EUR 150,000 per insured person for medical emergencies abroad
SourceSource no longer reachableNetwork hospital coverage
Insured can be directed to one of 9,400 hospitals and clinics worldwide selected by MGEN for quality of care
SourceRepatriation with accompanying persons
Repatriation costs covered for insured and accompanying persons if necessary
SourceFamily presence guarantee
If insured is hospitalized alone, MGEN organizes and funds travel of a relative to bedside
SourceLate subscription window
Coverage can be subscribed up to 72 hours after travel purchase and before departure
SourceExcluded countries and regions
No coverage in countries at war, politically unstable, or frequently experiencing terrorism/attacks
SourceEpidemic and pandemic exclusion
Epidemics/pandemics are excluded from cancellation coverage except in Zenith with specific 3-day advance declaration requirement
SourceHigh-risk sports exclusion
Competitive sports and high-risk activities excluded (diving >40m, paragliding, mountaineering, bungee, skydiving)
SourceSources
- https://philtr.fr/assurance-voyage/mgen
- https://serenitrip.fr/guide/assurance-voyage/mgen/
- https://www.assurancesvoyage.fr/assurance-voyage-mgen/
- https://www.mgen.fr/nos-solutions/assurance-voyage-horizon/
- https://www.mgen.fr/nos-solutions/assurance-voyage-zenith/
- https://www.mgen.fr/offres-assurance-voyage/
- https://www.mgen.fr/offres-assurance-voyage/assurance-voyage-horizon/