ALEBA's Mutual Association at a glance

The ALEBA Mutual Association was founded on 20 October 1928, ten years after the eponymous "Sterbekasse des Luxemburger Bankbeamtenvereins" trade union.
On 11 July 1929, its statutes were approved by the competent Ministry under the name "Caisse de Décès de l'Association des Employés de Banque" (Bank Employees' Death Benefit Fund Association ). A little later, it became an affiliated member of the Fédération Nationale des Sociétés Luxembourgeoises de Secours Mutuels (FSSM), today known as the Fédération Nationale de la Mutualité Luxembourgeoise (FNML).

In 1964, following changes in the insurance sector, it was renamed Caisse de Décès de l'Association Luxembourgeoise des Employés de Banques et d'Assurances (Death Benefit Fund of the Luxembourg Association of Banking and Insurance Employees). After the split with the Fédération des Employés Privés (FEP) in 1979, under the presidency of Eugène Storck, it was renamed Mutuelle de l'ALEBA (ALEBA Mutual Association).

In 1994, Marc Glesener, the president of ALEBA, handed over the reins to Pierre Back, a former secretary general of ALEBA. In 2001 on the instructions of the Conseil Supérieur de la Mutualité (High Council of Mutual Societies) a separation of management took place between the union and the Mutual Association.

In 2018, under the presidency of Pierre Back, the Mutual Association celebrated its 90th anniversary of presence on the Luxembourg mutualist scene. One year later, after 25 years at the helm of the Mutual Association, Pierre Back handed over the reins to Gilbert Beffort.

Finally, in 2025, Gilbert Beffort gave his President mandate to Fernand Fischer to become Secretary.

ALEBA Mutual Association's statutes effective as of 1 August 2025: here.

BENEFITS

The purpose of the Mutual Association is to provide its members with:

1. Financial assistance for health care not covered by compulsory health insurance, as defined in point b) of Article 7 of the Articles of Association

(Mutual_Request for reimbursement Social Fund)

(Appendix Social Fund Reimbursement Request)

(Mutual_Social Fund Regulations)

2. CMCM membership

Members can join the Caisse Médico Complémentaire Mutualiste (CMCM) and its special PrestaPlus, DentaPlus and OptiPlus schemes.

OTHER BENEFITS APPLICABLE FROM 1^ST AUGUST 2025

1. Death benefit

An indemnity is paid to the legal heirs on the death of the member, set at:

• 200 € after five (5) years of membership,
• 250 € after ten (10) years of membership,
• 300 € after twenty (20) years of membership,
• 350 € after thirty (30) years of membership,
• 400 € after forty (40) years of membership.
• 450 after forty-five (45) years of membership.

2. Birth or adoption bonus

A bonus of €200 per child will be paid to members on presentation of the birth or adoption certificate, for any birth or adoption on or after 01/08/2025.

3. Driving licence

The Mutual Association will reimburse the cost of the medical examination required to extend the validity of the driving licence, up to a maximum of €75 and on presentation of the medical consultation bill.

4. Marriage or partnership bonus

Within the meaning of the amended law of 9 July 2004 relating to the legal effects of certain partnerships or similar national legal provisions applicable in another State

A bonus of €100 will be paid, once only, to the member on presentation of the marriage or partnership certificate. 

This allowance will be paid for marriages or partnerships contracted on or after 01/08/2025.

5. Back-to-school bonus:

From the start of the 2025/2026 school year, a one-off bonus of €100 will be paid to the member on presentation of the enrolment certificate, for

a) The start of the child's 1st year of primary education

b) The start of the child's 1st year of secondary education

WAITING PERIOD – PRESCRIPTION

1) These benefits are acquired after an effective waiting period of twelve (12) months. Retroactive payment for the waiting period is not considered.

2) The limitation period is two (2) years from the date of the event.

REPRESENTATIONS

• The ALEBA Mutual Association is affiliated to the Fédération Nationale de la Mutualité Luxembourgeoise (FNML).

At the FNML's Ordinary General Meeting on 23 May 2024, Alain Back was elected as a member of the FNML's Board of Directors, joining Pierre Back, the FNML's current Vice-Chairman and Head of History and Archives.

• Caisse Médico-Complémentaire Mutualiste (CMCM)

At the CMCM congress held on 19 September 2020 in Mondorf, Fernand Fischer was re-elected to the Board of Directors. He was then elected CMCM Vice-Chairman at the Board meeting following the congress.

These appointments reflect the commitment of our representatives to the mutualist cause and the excellence of their work within the CMCM and the FNML. They also demonstrate the high regard in which ALEBA is held by all mutual benefit societies.

BOARD OF DIRECTORS

Since 15 May 2025, the Board of Directors of the Mutuelle de l'ALEBA has been composed as follows:

GENERAL MEETINGS

An ordinary and extraordinary general assembly of the ALEBA Mutual took place on 13 June 2025 at the Parc Hôtel Alvisse.

Here is the report.

An ordinary and extraordinary general assembly of the ALEBA Mutual took place on 13 June 2024 in the "Chambre des Salariés".

Here are the minutes.

An ordinary and extraordinary general assembly of the ALEBA Mutual took place on 23 April 2023 in Munsbach.

Here are the minutes.

On 10 June 2022, the AGM of the ALEBA Mutual Association was held in Munsbach. Here are the minutes.

On 18 September 2020, the Extraordinary and Ordinary General Meetings of the ALEBA Mutual Association were held. The purpose of the Extraordinary General Meeting was to modify the statutes, in particular by adding new benefits for all members of ALEBA and the Amicale Pensioners' Association.

You will find the minutes of the AGMs by clicking here

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The 2019 General Meeting of the ALEBA Mutual Association was held on 10 May 2019 in Munsbach. Here are the minutes of the AGM.

The 2018 General Meeting of the ALEBA Mutual Association was held on 27 April 2018 in Munsbach. In the presence of a large assembly, the committee of the Mutual Association reported on the 2017 tax year, and presented its scope of action and the multiple interventions it carried out during the past year.

Here are the minutes of the AGM.

The 2017 General Meeting of the ALEBA Mutual was held on 7 April 2017 at the Légère Premium Hotel in Munsbach. Here are the minutes of the AGM.