Emoa Mutuelle du Var

Emoa Mutuelle du Var, also known as Emoa, is a French health insurance mutual headquartered in southern France.
It offers health insurance coverage to its members.
The mutuelle serves individuals and families seeking reimbursement for medical expenses, hospitalization, and other health-related costs.
As a mutual organization, its primary aim is to provide coverage to its members rather than to generate profit for external shareholders.

Emoa operates under the French mutual insurance code, which governs the governance, solvency, and operational standards of non‑profit health insurers.
Its member‑owned structure means that policyholders have voting rights in the organization’s general assembly and can influence strategic decisions.
The mutuelle’s focus on health coverage positions it within the broader French healthcare insurance sector, alongside other mutuelles, insurance companies, and provident institutions.
Its product portfolio consists exclusively of health insurance coverage for individuals and families.

In 2022, Emoa experienced a series of cyberattacks that resulted in unauthorized access to its information systems.
The first incident, detected in August 2022, led to the theft of personal data belonging to roughly 80,000 members and prompted emergency system shutdowns to contain the breach.
Subsequent investigations revealed a second, larger exposure of personal information—including names, birthdates, postal codes, email addresses, and in some cases Social Security numbers, banking details, and passport copies—that the organization only learned about after being notified by external sources.
Following the breaches, Emoa secured the affected systems, implemented additional protective measures, and began notifying impacted individuals about the risks of phishing, financial fraud, and identity theft.