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Presentation of the “Mutuelle Générale de l'Education Nationale” (MGEN)

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Origins of the MGEN

The MGEN from the 19th century to 1946:

Schoolteachers created 132 friendly societies or “mutual aid societies”, with a limited geographical scope (1 or 2 districts or “départements”), to cover a range of specific risks relating to:

Death

Incapacity

Illness

Orphanhood

Retirement

Saving

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The origins of the MGEN MGEN

From 1946:

At the proposal of the national schoolteachers’ union, the 132 friendly societies merged into a single national mutual insurance society, the MGEN.

A social security system was set up for all wage-earners in France. The law entrusts the MGEN with the management of the social security of all public

employees of the national public education system (“Education Nationale”) The MGEN manages social security and provides additional (complementary) “second-

level” health and social welfare protection.

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The mission of the MGEN

MGENManagement of healthcare insurance scheme under

the social security system

StateSocial welfare insurance

for public employees

MGEN Health and social welfare complementary

insurance scheme

Compulsory

Optional

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Tasks entrusted to the MGEN

Public-service tasks

Management of social security: 83 million treatment forms (“feuilles de soins”)

2.89 billion euros worth of healthcare services provided under the compulsory regime (“Régime obligatoire” – RO)

Management of the State’s participation in covering social risks

Participation in ministerial welfare policies

Management of the services provided by the mutual insurance society

Health

Social welfare, assistance for dependants and other supplementary social protection services and benefits

Healthcare: 1.5 million days of care, visits or consultations in our 33 healthcare and social welfare centres

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The MGEN population

1946 – 2009:

The MGEN has developed on the basis of solidarity principles and is today one of the largest mutual insurance societies in France.

1946: 200 000 members

2009: 3 000 000 people protected.

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Basic mutual insurance principles of the MGEN:

Membership is on an individual, voluntary basis

Members have responsibility : all decisions are discussed and voted on by the General Assembly.

Non-profit-making

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Our basic value: solidarity

Contributions are proportional to income

We offer a comprehensive range of services.

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The MGEN: Healthcare based on a service-oriented approach

Assistance and support provided to MGEN members:

1.05 billion euros worth of healthcare services provided under the complementary health insurance scheme (Régime complémentaire” – RC)

Annual turnover in 2008: 1.6 billion euros, including contributions and the turnover of our healthcare centres

A policy based on national agreements governing hospital- and dental-care service contracts (“conventionnement”)

An innovative approach to the provision of optical healthcare under national agreements (closed network)

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Healthcare: Social security and MGEN services and benefits (2008)

BENEFITS & SERVICES

Social Security

(in €)

MGEN

(in €)

SS share

(as %)

MGEN share

(as %)

Illness 2 087 506 288 638 823 676 76.6 23.4

Medical fees 596 603 915 194 782 309 75.4 24.6

Prescriptions 1 329 482 255 429 496 061 75.6 24.4

Pharmaceuticals 814 281 843 274 233 806 74.8 25.2

Other 161 420 118 14 545 306 91.7 8.3

Dental care 146 930 837 159 608 624 47.9 52.1

Prostheses 51 651 995 125 133 051 29.2 70.8

Optical healthcare 8 796 488 98 013 334 8.2 91.8

Hospitalisation 606 314 067 151 270 049 80.0 20.0

Maternity care 38 637 254 3 009 172 92.8 7.2

Total 2 888 184 934 1 050 724 855 73.3 26.7

Total for services and benefits provided (Social Security + MGEN) 3.94 billion euros

Source: MGEN Annual Report 2008

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Healthcare: Social security and MGEN benefits (2008)

Benefits paid under the social security system: €2.89 billion Benefits paid by MGEN: €1.05 billion

Source: MGEN Annual Report 2008

Illness 72.3% Hospitalisation + maternity 22.3% Optical + dental 5.4%

Illness 60.8% Hospitalisation + maternity 14.7% Optical + dental 24.5%

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Overview of MGEN benefits (2008)

Total MGEN benefits: €1.2 billion

Source: MGEN.Annual Report 2008

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The MGEN also provides….

Other products and services:

A range of products and services to help members meet their housing needs: Loan to set up or move to a new home (“Prêt installation”) Deposit guarantee to rent or buy accommodation Loan insurance

A comprehensive range of personal services, particularly for persons with diminished autonomy

A supplementary retirement scheme: COREM (“Complément de retraite mutualiste”)

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The MGEN also provides….

Subsidies to finance medical research : “Institut national de la santé et de la recherche médicale” (National Institute for Health and Medical Research – INSERM), Institut Pasteur, “Centre national de la recherche scientifique” (National Centre for Scientific Research – CNRS), etc.

A partnership with the French Ministry of National Education to develop and implement social welfare policies

The organisation and funding of preventive-healthcare and health-education actions

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The MGEN comprises….

9 319 employees

Including 4 607 in healthcare centres

More than 91 000 hours of training provided every year

1 national headquarters

1 information technology production centre

1 information technology research centre

101 district branches (“sections départementales”) throughout France

8 specialised treatment centres

1 management unit for specific services

4 call centres

33 hospitals

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The MGEN relies on a team of…

Active members:

- 13 members of the national headquarters

- 60 national administrators

- 473 membership delegates to the General Assembly(2010)

- 266 branch directors and managers

- 2524 active members elected to the branch committees

-15 000 correspondents of the association

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“Education and Solidarity” network

Montparnasse Institutefor Social Protection

MGEN co-founder

MGEN founder

Organisation of the MGEN Group

MGEN

Holding

MGENHealthcare centres

EGAMOAsset management

subsidiary

MGEN Filia MGENPublic Health

Foundation

UMRRetirement insurance

benefits

MGENManagement of compulsory

medical insurance(mandated by the

Department of social security)

The MGEN Group

MGENMutual insurance society

for complementary health

and social welfare protection

The international development of MGEN

MGEN action to ensure the durability of the mutual model

Manage the social protection of our mutual members when they live and work abroad: the SEM

Develop the provision of MGEN services in other countries: Europamut in Portugal

Mobilise to defend the interests of MGEN and its members at the European level

Take action to develop the mutual model worldwide and ensure its durability: the Education and Solidarity Network.

« Mutual insurance system, transmitter of movement, humanism and solidarity is our

difference »

Thierry BEAUDET, President

Rapport moral 2009