Header Menu Our offers Our advices Our group A question Accessibility Access my Space Breadcrumb Home The group Governance Governance Malakoff Humanis is a parity, mutualist and non-profit social protection group. The group is thus managed by representatives of its clients. Its boards of directors (that of the Group but also those of its various bodies) are made up of customer representatives . They are either appointed in a joint manner by the trade unions and employers, or elected according to the rules of mutuality. The Group has no shareholders to remunerate, all of its profits are therefore reinvested for the benefit of its customers, in services, social support, or to support causes of national interest. At the top of the Group, customers Governance is based on a top association made up 100% of directors who represent clients of supplementary retirement institutions, provident institutions and mutual societies. At the heart of the Group, strong bonds of solidarity To meet the regulatory obligation linked to the Solvency II directive, the provident institutions, mutual insurance companies and mutual societies of the Group are linked within a prudential legal structure, without capital link, called SGAM (Société de Mutual Insurance Group), which ensures financial solidarity between its members. The following are affiliated with SGAM Malakoff Humanis: Capreval Mutual Life Insurance Fund (CMAV) Mutual Energy National Insurance Institution for Representatives (INPR) Ipsec Malakoff Humanis Nationale (MHN ) Malakoff Humanis Prévoyance (MHP) Mutual Malakoff Humanis (MMH) Renault mutual Mutual Radiance Medici (since 1 st January 2021) Contact us Footer tags Right now Global Footer Health Foresight Retirement Frequently Asked Questions Footer bottom menu Solutions Inquire Discover us Where to find us ? Contact us Faq Documentation The Company Counter Essential Autonomy The MH Innov fund Make a claim Supplier invoices Authority portal Newsroom Careers Legal Notice Data protection Cookies Accessibility Follow us ! Cookie preferences Malakoff Humanis gives you control over your data. We use cookies to operate our site, remember your browsing preferences, offer tailored offers, disseminate satisfaction surveys and compile statistics. With your agreement, by clicking on "accept" we can offer you a better browsing experience. And because we like to see you smile, you also have the option of defining your cookie preferences yourself. The functionality cookies offered on the site do not require your prior consent. You can, however, object to this by clicking on "Manage my preferences". Find your settings at any time at the bottom of the page, next to our data protection policy. RefuseManage my preferencesAccept