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MGEN

MGEN (Mutuelle Generale de l'Education Nationale)

89Score

★★★★☆4.0

Customer satisfaction · 4.0M members

UFC-Que Choisir: #2 (17.8/20)(2026)

MGEN is France's historic mutuelle for the National Education and civil service sectors, ranking #2 by UFC-Que Choisir (17.8/20). Part of Groupe VYV alongside Harmonie Mutuelle, it serves 4 million people with contributions of EUR 3,005M in 2024. Since 2002, MGEN has been open to all, not just civil servants.

Overall Score

89/100

Founded

1946

Headquarters

Paris

Type

public

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Key Metrics

Que Choisir Score

17.8/20 (#2)

Monthly Contribution

Varies; +10% increase in 2024

Contributions2024

EUR 3,005M (+10.0% YoY)

Parent Group

Groupe VYV (founding member)

Editorial Ratings

UFC-Que Choisir: #2 (17.8/20)(2026)

Rating: 17.8/20 — #2 ranked (max: 20/20)

89UFC-Que

Coverage Highlights

✓Leading mutuelle for public sector employees (fonctionnaires)
✓#2 ranked by UFC-Que Choisir (17.8/20)
✓Part of Groupe VYV alongside Harmonie Mutuelle
✓Strong hearing aid and specialist coverage
✓Open to all since 2002 (not just civil servants)

Pros

✓Excellent coverage for education/civil service workers
✓80-year heritage and strong institutional trust
✓Part of powerful Groupe VYV cooperative
✓Good hearing aid and specialist coverage

Cons

✗Historically civil-service focused; may be less competitive for private sector
✗French-only website
✗Bureaucratic processes reported by some members
✗Contributions rising faster than market average (+10% in 2024)

Frequently Asked Questions

Is MGEN only for civil servants?

No. While MGEN historically served the National Education and civil service sectors, it has been open to all since 2002.

How does MGEN rank among French mutuelles?

MGEN is ranked #2 by UFC-Que Choisir with a score of 17.8/20, second only to Harmonie Mutuelle.

What is MGEN's relationship with Groupe VYV?

MGEN is a founding member of Groupe VYV alongside Harmonie Mutuelle. Together they manage EUR 5.6 billion in contributions.

Quick Summary

InsurerMGEN

Country🇫🇷 France

Overall Score89/100

Satisfaction4.0/5

Members4.0M

Typepublic

Founded1946

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