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Harmonie Mutuelle

92.5Score

★★★★☆4.2

Customer satisfaction · 5.0M members

UFC-Que Choisir: #1 (18.5/20)(2026)

Harmonie Mutuelle is the largest mutuelle in France by contributions (EUR 3,035M in 2024), ranking #1 by UFC-Que Choisir with 18.5/20. A founding member of Groupe VYV, it serves 5 million people with customizable health plans, including osteopathy reimbursement up to EUR 200/year.

Overall Score

92.5/100

Founded

2012

Headquarters

Paris

Type

public

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Key Metrics

Que Choisir Score

18.5/20 (#1)

Monthly Contribution

Varies by formule; ~4.3% increase in 2026

Contributions2024

EUR 3,035M (+5.7% YoY)

Parent Group

Groupe VYV (founding member)

Editorial Ratings

UFC-Que Choisir: #1 (18.5/20)(2026)

Rating: 18.5/20 — #1 ranked (max: 20/20)

92.5UFC-Que

Coverage Highlights

✓Largest mutuelle in France by contributions (EUR 3,035M)
✓#1 ranked by UFC-Que Choisir (18.5/20)
✓Customizable options (options personnalisables)
✓Well-being coverage including osteopathy up to EUR 200/year
✓Part of Groupe VYV (combined 5.6B EUR with MGEN)

Pros

✓#1 rated by UFC-Que Choisir for overall quality
✓Largest mutuelle with extensive network
✓Strong customization options
✓Non-profit structure keeps member interests central

Cons

✗French-only website and communications
✗Complex product range can be confusing
✗Not the cheapest option for basic coverage
✗Average price increases of ~4.3% in 2026

Frequently Asked Questions

What is Harmonie Mutuelle?

Harmonie Mutuelle is the largest non-profit mutuelle (complementary health insurer) in France, serving 5 million people. It is a founding member of Groupe VYV.

Why is Harmonie Mutuelle ranked #1?

UFC-Que Choisir, France's main consumer association, ranks Harmonie Mutuelle #1 with 18.5/20 based on coverage quality, reimbursement levels, and customer service.

Does Harmonie Mutuelle have an English website?

No. Harmonie Mutuelle's website and communications are in French only, which is typical of French mutuelles.

What is Groupe VYV?

Groupe VYV is a major French mutual insurance group of which Harmonie Mutuelle is a founding member, alongside MGEN. Combined, they manage EUR 5.6 billion and insure nearly 5 million people.

Quick Summary

InsurerHarmonie Mutuelle

Country🇫🇷 France

Overall Score92.5/100

Satisfaction4.2/5

Members5.0M

Typepublic

Founded2012

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