The role of mutual societies in the 21st century

Mutuals play an important role in the European economy and society,

providing social coverage and other types of insurance to a significant

proportion of European citizens. This study presents an overview of the

specific features and roles of mutual societies in the different EU Member

States, analyses relevant EU law applicable to mutuals and looks at the

performance of mutual undertakings in the financial and economic crisis. The

report also discusses the potential mutuals have to contribute to the inclusive

and sustainable growth of the European Union.

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