Very strong financial results in 2025

Groupe Mutuel closed the 2025 financial year with a consolidated profit of CHF 115 million, confirming the success of our strategy, our business model and our ability to combine economic performance with social responsibility. Despite a loss of 44,000 insured persons in basic health insurance, there has been an almost perfect balance in the number of insured persons over the last four years. Thanks, in particular, to a proven diversification strategy, Groupe Mutuel has 1.315 million individual customers in health and pension provision.

Very strong financial results in 2025. High ambitions for future projects.

2025 was a year of solid results, in which our collective efforts bore tangible fruit. With a consolidated profit of CHF 115 million, it was, overall, a very positive year for Groupe Mutuel. We exceeded our profitability targets for the private insurance segment, which is a testament to the relevance of the strategic decisions we made in recent years and the ongoing commitment of our staff.

Private insurance and occupational pensions maintained their growth, demonstrating contained and highquality momentum, underpinned by careful management and a commitment to continuous improvement. Growth in these sectors is accelerating and this is encouraging.

“In basic health insurance, our strong technical performance and sound financial solvency demonstrate that we remain firmly in control of our core business, despite growing market challenges”, added Thomas Boyer, CEO of Groupe Mutuel. “Of course, this year was not without its difficulties. The loss of 44,000 insured persons in compulsory health insurance, although anticipated, reflects the reality of a highly competitive market and the constant need for a company to remain agile and flexible. “

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Key figures 2025

Groupe Mutuel Holding SA

The company's consolidated earnings in CHF.

Reduction in the number of AOS/OKP clients (- 77,000 in 2024).
The number of insured persons has remained almost perfectly stable over the last four years.

Number of corporate customers (31,000 in 2024).

Number of private customers (1,343,000 in 2024).

Collected premiums/turnover.
Consolidated figures in CHF thousand (6,493,000 in 2024)

Insurance benefits.
Consolidated figures in CHF thousand (6,138,000 in 2024).

Annual results.
Consolidated figures in CHF million (29.2 in 2024).

CHF millions in savings thanks to
invoice control and digitisation (656 in 2024).

Number of users of the Customer Area,
i.e. around 54% of our insured persons.

Number of employees as at 31.12.

Number of agencies

Number of service centres

Percentage men/women

0% / 0%

1.315 million customers in health and pension provision

Intense competition and last year’s sharp rise in premiums prompted a large number of policyholders to switch health insurance providers and optimise their insurance coverage.

Groupe Mutuel has lost 44,000 persons under the AOS/OKP compulsory insurance. Despite this expected decline in the number of insureds for the second consecutive year, Groupe Mutuel has a total of 949,500 customers across its various health insurance providers (993,500 AOS/OKP insured persons in 2024).

The number of private customers across all areas of activity fell slightly to 1.315 million in 2025 (1.343 million in 2024).

The number of people insured under supplemental insurance continues to grow slightly, whilst turnover remains largely unchanged.

The Health sector still accounts for the largest share of turnover, but the diversification strategy is bearing fruit, particularly in individual pension provision (life insurance) and occupational pension provision (LPP/BVG).

Strategic diversification of an agile Group

Health & Pensions : Corporate clients

We ensure that every employee absence is supported, every return to work is facilitated, and that every transition to retirement is secure.

Thanks to its firmly established market position, Groupe Mutuel provides long-term support to all companies thanks to a comprehensive range of health insurance products that cover illness (daily allowance) and accidents (LAA/UVG - LAAC/ZUVG), as well as bespoke occupational pension solutions (LPP/BVG).

Our proactivity, expertise and the excellence of our solutions address both current socio-economic challenges andfuture issues faced by SMEs and large organisations: the rise in mental health issues and musculoskeletal disorders in the workplace, increased absenteeism, the performance of retirement pensions, as well as employer attractiveness.

Individual pension provision: the need to consolidate, accelerate and sustain our activities

The past few years have been crucial in firmly establishing individual pension provision as a strategic pillar of Groupe Mutuel.

A complete overhaul of our product range, initiated in 2023, has enabled us to offer solutions tailored to clients’ current needs, whilst strengthening our competitive advantage. At the same time, the gradual development of an efficient sales network, structured throughout our main agencies, has consolidated our presence in the field and improved our ability to provide personalised support.

These foundations have been supplemented by major digital transformation and modernisation programmes for our systems, which are essential for supporting future growth and ensuring seamless customer experience. These combined efforts are now bearing fruit: in 2025, new business production grew by over 30%, confirming the relevance of our strategic choices.