MACIF — Free Service Overview

Macif is a French mutual insurance subscription operated by Macif (Mutuelle Assurance des Commerçants et Industriels de France), headquartered in Niort, France. The product launched in 1960 and has become a category staple. This page tracks live pricing, named tiers, supported platforms and the practical jobs where Macif earns its keep against competing in the French mutual insurance category against bank-insurers and private insurers.

Quick Facts

• Operator: Macif (Mutuelle Assurance des Commerçants et Industriels de France)
• Headquarters: Niort, France
• Founded: 1960
• Public-market status: mutual (not publicly traded)
• Flagship paid tier: Auto Tiers Simple (Habitation MRH from €15/month)
• Free tier available: No
• Where it sells: France (Métropolitaine and DOM-TOM)
• 2025-2026 differentiator: As part of Aéma Groupe (formed in 2021 by the merger of Aésio and Macif), Macif continues to consolidate French mutual insurance with significant cross-product bundling and digital-first claim handling rolled out through 2024-2025.

What is Macif?

Macif is a French mutual insurance subscription that launched in 1960 under Macif (Mutuelle Assurance des Commerçants et Industriels de France). The product is built around Auto, home, health, life and personal-accident insurance under one mutual, Mutual structure with policyholder governance, Multi-product discounts when bundling auto + home + health, with the rest of the catalogue tracked in the platform sections below. The Subger catalogue page pulls live tier pricing from our internal database and links into cancel guides, deal hunters and renewal price trackers so subscribers can monitor Macif across its full lifecycle.

Why choose Macif

Product roadmap and 2025-2026 differentiation

Macif is operated by Macif (Mutuelle Assurance des Commerçants et Industriels de France) out of Niort, France, and the team continues to invest in the catalogue that subscribers care about most. The latest roadmap milestone — as part of aéma groupe (formed in 2021 by the merger of aésio — gives buyers a concrete reason to evaluate Macif now rather than waiting for the next refresh cycle.

Feature breadth that matters

Beyond the headline, Macif ships Macif Assistance for 24/7 emergency support, Account management via web and mobile app with paperless claim filing and Network of physical branches across France for in-person service. This depth matters because teams rarely buy a single capability — they need a system that absorbs adjacent jobs over time without forcing a vendor switch.

Regulation and customer protection

Macif is regulated as a financial product in every market where it operates. The Macif entity publishes its licence numbers, deposit-protection terms (where applicable) and complaint procedures on the legal pages of the website. Customers in EU and UK markets benefit from the baseline of PSD2-style consumer protections.

Macif pricing in 2026

The current ladder for Macif ranges from Auto Tiers Simple (from €25/month) up to Santé Mutuelle (varies). The anchor paid tier most buyers compare is Auto Tiers Simple at Habitation MRH from €15/month, sourced from the vendor's published pricing page.

Live pricing across countries

For country-by-country billing currency, taxes and renewal pricing for Macif, see the live pricing table on this page. It pulls directly from our catalogue so promotions, anchor tiers and price drops surface the moment we capture them.

Macif apps and platform coverage

Macif runs on the platforms its category demands. The table below summarises coverage as of 2026.

Use cases Macif fits

• Subscribers using auto, home, health, life and personal-accident insurance under one mutual as their primary reason to upgrade
• Teams that need mutual structure with policyholder governance on a single billing relationship
• Buyers who value multi-product discounts when bundling auto + home + health as part of the Auto Tiers Simple bundle
• Operators evaluating Macif against competing in the French mutual insurance category against bank-insurers and private insurers
• Existing Macif customers expanding their footprint to Auto Tiers Simple from a free or entry tier

Comparable products in the Subger catalogue

If you are evaluating Macif alongside other tools, the Subger catalogue maintains a separate page per service with live pricing and tier names. Use the relevant hub to compare Macif with adjacent French mutual insurance subscription candidates on price, free-tier availability and feature coverage. For each candidate Subger also tracks the cancellation flow, current promo codes and renewal price history so total cost of ownership is visible upfront. Start with the Promo codes hub, the Renewal price tracker and the Browse all services.

Frequently asked questions

Who operates Macif?

The legal operator is Macif (Mutuelle Assurance des Commerçants et Industriels de France). The product was founded in 1960; the parent's public-market status today is mutual (not publicly traded).

How much does Macif cost in 2026?

The flagship paid tier (Auto Tiers Simple) is Habitation MRH from €15/month. The full ladder — Auto Tiers Simple, Auto Tous Risques, Habitation MRH, Garantie Accidents de la Vie, Santé Mutuelle — is in the pricing table above with feature differences per tier.

Does Macif offer a free tier or trial?

Macif does not currently offer a free tier in most markets, but the Subger deals page tracks promotional pricing on the paid tiers.

What platforms does Macif run on?

Macif covers the platforms shown in the platform table above. Mobile, desktop and API surfaces vary by tier, and the vendor's release notes track new integrations as they ship.

What's new in Macif for 2025-2026?

In short, the team continues to invest where it matters most: as part of aéma groupe (formed in 2021 by the merger of aésio. That is the development most likely to influence whether Macif is the right choice for a buyer evaluating French mutual insurance subscription options in 2026.

How does Macif compare to other French mutual insurance subscription options?

Macif differentiates on auto, home, health, life and personal-accident insurance under one mutual and mutual structure with policyholder governance plus the broader feature ladder shown above. For a side-by-side comparison with adjacent products, see the Subger category hub linked at the bottom of this page.

Can I cancel Macif anytime?

Yes — cancellation is self-service in Macif app or via postal mail; subject to Hamon law for early cancellation after first anniversary. Subger maintains a step-by-step cancellation guide on the cancel hub that covers the specific in-product flow, refund eligibility and what data is preserved after cancel.

Does Macif offer team, family or enterprise pricing?

Yes — the higher tiers (Santé Mutuelle) target larger deployments with admin controls, audit logs and dedicated support. Quoted pricing depends on seat count and contract length; the pricing table above shows the published anchors.

Is Macif available outside its primary market?

Coverage details: Macif is sold across the following markets: France (Métropolitaine and DOM-TOM). See the live pricing table for country-specific tier pricing in local currencies where applicable.

Where can I find Macif deals and promo codes?

The Subger deals page tracks current Macif promotional pricing, and the renewal price tracker stores historical price points so subscribers can spot post-trial price hikes. Both are linked in the related guides section below.

Get started with Macif

To sign up for Macif, head to the live pricing table at the top of this page. Pick the tier that matches usage: Auto Tiers Simple for evaluation or Auto Tiers Simple for production usage at Habitation MRH from €15/month, or the Santé Mutuelle tier for advanced deployments. After signup, bookmark this Subger page to monitor renewal pricing and catch any tier or anchor-price changes from Macif (Mutuelle Assurance des Commerçants et Industriels de France).

Related Subger guides

• Cancel Macif — step-by-step cancellation guide for the current portal
• Macif deals and promo codes — live promotional offers tracked across the year
• Macif true price tracker — renewal-price history and post-trial cost watch
• Macif promo codes — coupon and code archive with expiration tracking
• Browse the full Subger services catalogue