A solidarity-based protection model

Unlike conventional health insurance plans, MGEN is a nonprofit organization that operates as a mutual insurance society, where members contribute to a collective protection system.

This model helps ensure more stable and inclusive conditions by preventing common practices such as excessive individual surcharges or exclusions based on health status.

The main goal is to ensure that everyone can maintain their health coverage throughout their lives, regardless of changes in their medical condition.

No restrictions on enrollment or continued enrollment

One of the major advantages of MGEN plans is that there are no restrictions based on age or length of enrollment.

There is no age limit for enrollment or for remaining enrolled in the insurance plan, allowing policyholders to maintain their coverage for their entire lives.

This feature is particularly important for those seeking long-term stability in a health insurance plan, without the fear of losing coverage as they age.

No relevant medical exclusions

MGEN's mutual health insurance plans also stand out for the absence of several exclusions that are frequently applied in the insurance industry.

Among the key differentiators are:

• the absence of exclusions for serious and rare diseases;
• coverage for pre-existing conditions;
• inclusion of diseases associated with congenital malformations;
• No exclusions based on a medical questionnaire at the time of enrollment.

This approach ensures more comprehensive coverage and reduces uncertainty when purchasing insurance.

No aggravating factors following accidents

Another distinguishing feature of MGEN is that there are no individual surcharges in the event of claim.

In other words, using the insurance does not penalize the policyholder through automatic premium increases based on their medical history or use of the system.

This principle reinforces the idea of mutual solidarity, in which risk is shared among all members.

Coverage for situations that are typically excluded

MGEN also covers the cost of treatments and conditions that are often excluded from many traditional health insurance plans.

Among these, the following stand out:

• treatments related to HIV infection/AIDS;
• morbid obesity;
• palliative care and long-term care;
• psychology consultations;
• alternative medicines;
• pre-existing conditions;
• vaccines prescribed by a doctor.

This coverage provides more comprehensive access to health care throughout one's life.

No unilateral termination of the contract

Another important feature of MGEN plans is contractual security.

The health insurance provider cannot unilaterally terminate the contract for reasons related to the member's health status. This ensures stability and predictability in health coverage, even in situations of greater medical need.

This factor is particularly important for people who value continuous coverage over the years.

A comprehensive and inclusive healthcare model

MGEN's mutual insurance plans are designed to ensure that members are not left unprotected during the most critical stages of their lives.

Instead of selecting risks or imposing exclusions, the mutual insurance model distributes coverage more evenly among all members.

This results in a more inclusive solution, particularly well-suited for families or individuals seeking long-term security.

Comparison with the traditional market

In the health insurance market, it is common to encounter limitations such as:

• pre-existing condition exclusions;
• premium increases following claims;
• detailed medical questionnaires at the time of enrollment;
• age restrictions.

MGEN eliminates these barriers by offering a simpler and more accessible approach to health care.

This difference makes mutual insurance plans a viable alternative for those who value stability and continuity.

Choosing the Right Plan for Your Family

When choosing a health insurance plan, you should consider not only the price, but also the level of coverage and the terms and conditions over time.

MGEN plans are particularly well-suited for families looking for a stable solution, without any surprises related to exclusions or future rate increases.

The ability to maintain coverage regardless of changes in one's health status is one of the main factors influencing the decision.

Please don't hesitate to contact us!