The French Health/Life Insurance Landscape
Employee benefits in France are provided by several types of insurance carriers, some of which are particular to that country—and that results in some confusion. Here is a brief overview of the main types of players.
| French | English Translation | Coverage Offered | Applicable Laws and Regulations |
| Institutions de Prévoyance (IP) | Provident Institutions Paritarian Institutions |
Group health, life, pensions | Social Security Code |
| Groupe de Protection Sociale (GPS) | Social Protection Group (grouping of IPs) |
None | Social Security Code |
| Mutuelles 45 | Mutuals organized under the Law of 1945 | Health, life, individual and voluntary group | Code de la mutualité Mutuals’ Code |
| Compagnies d’assurances | Insurance companies Insurance carriers |
All lines, group and individual | Insurance Code |
An insurance company can be either a joint stock company or a mutual, both forms being subject to the Insurance Code.
Institutions de Prévoyance (IP), Groupes de Protection Sociale (GPS), and Mutuelles 45 are organized as mutuals with specific governance rules.
Top 5 « Institutions de Prévoyance – IP », 2014
| EUR millions | |
| Humanis Prévoyance | 2 404 |
| BTP Prévoyance | 2 215 |
| AG2R Prévoyance | 1 759 |
| Malakoff Médéric GPP | 1 708 |
| Klesia | 828 |
Gross premiums written in EUR millions, without accepted reinsurance; all lines
Top 5 « Groupes de Protection Sociale – GPS », 2014
| EUR millions | |
| AG2R La Mondiale | 10 271 |
| Malakoff Médéric | 3 359 |
| Humanis | 2 929 |
| Pro BTP | 2 804 |
| Apicil | 1 188 |
Combined gross premiums written in EUR millions, without accepted reinsurance; all lines
Top 5 “Mutuelles 45,” 2013
| EUR millions | |
| Harmonie Mutuelle | 2 212 |
| Groupe MGEN | 1 786 |
| La Mutuelle Générale | 1 050 |
| Eovi Mcd Mutuelle | 704 |
| Groupe MNH | 620 |
Gross premiums written in EUR millions, without accepted reinsurance; all lines
Top 10 in Group Life Insurance, 2015
| EUR millions | |
| Malakoff Médéric | 1 292 |
| AXA France | 1 194 |
| AG2R La Mondiale | 1 185 |
| BTP Prévoyance | 892 |
| Humanis | 787 |
| CNP Assurances | 678 |
| Klesia | 528 |
| Groupama | 522 |
| Allianz | 502 |
| Mutex | 429 |
Gross premiums written in EUR millions, without accepted reinsurance; life insurance only
Source for rankings: L’Argus de l’Assurance
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