Is the main school children’s insurance disappearing?

When Social Security did not exist, children were not protected from the consequences of accidents of which they could be victims at school but also sometimes responsible. In 1932, teachers decided to create the Mutuelle assurance de l’éducation (MAE), a structure to pool risks in order to protect children and their families in the event of a school accident. After having been one of the most important school insurance companies, the MAE seems to have to face serious difficulties which are leading to the closure of agencies, including those of several towns in the Centre-Val de Loire. MagCentre interviewed former officials of the Loiret MAE.

Interview by Jean-Paul Briand

Door of the MAE agency rue du Tabour in Orléans (photo JPB)

MagCentre: Are all the agencies now closed, are they permanently?

Former officials of the Loiret MAE: In Centre-Val de Loire, the agencies in Orléans, Blois, Chartres, Châteauroux and Bourges are permanently closed. That of Tours should be able to operate as soon as new employees are recruited, but it will be an agency exclusively dedicated to commercial services and not to claims management.

MagCentre: Why do these MAE agencies no longer work?

Former officials of the Loiret MAE: For several years, the MAE has had to deal with three major difficulties: the cessation of the promotion of MAE insurance by teachers, the obligation to comply with the new rules governing mutual insurance and mutual insurance and intense competition on the school insurance. For these three reasons, the MAE has lost many members and their contributions. Economic hardship followed. To reduce its operating costs, the National Office of the MAE has chosen to massively close local agencies and invest in digital communication.

The choice of agencies to be deleted was made without any consultation or explanation.

MagCentre: As the MAE is a mutual, the resolutions are normally decided democratically and jointly by all its members?

Former officials of the Loiret MAE: Yes ! But it is regrettable that the national elected officials did not hear the local elected officials to decide. They only informed the departmental representatives by ensuring that they had no other choice but to close a large number of agencies. The choice of agencies to be removed was made without any consultation or explanation. Members were never put in the decision-making loop and there was never any communication to justify the closures.

MagCentre: What will be the consequences of the disappearance of these agencies?

Former officials of the Loiret MAE: All these disappearances of agencies will penalize the most disadvantaged in the face of digital technology. They will no longer have the direct human contact that is essential for their support in all the procedures relating to subscriptions, regulations and claims declarations.

MagCentre: How do you see the future of MAE?

Former officials of the Loiret MAE: Like many mutual protection structures, based on solidarity, the future of the MAE is very worrying. The entire Board of Directors of the MAE Solidarité du Loiret resigned to mark its opposition to the policy pursued by the national Board of Directors and in support of the departmental president who was brutally sanctioned for having expressed her disagreement with the national management. For us, former leaders, who have known a warm, humane, friendly and genuinely united mutual, it seemed important to us to bear witness to our concern and our distress on the eve of its 90th anniversary. We would like so much that the MAE continues to live with dynamism and benevolence…

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