Who we are Objectives History Organisation Chart Services General Services Social Welfare Insurance Services Consultancy Mutual Society Membership Card Circulars Related Organisations Federated Organisations News Mutual Magazine Further Information Useful Links	The Federation provides for risk and contingency cover in the ways and modalities permitted by current legislation and the re-insurance of risks incurred by social welfare mutual societies. • Refugi Mutual. The Federation's social protection body. It carries out voluntary social protection and advisory activities aimed at preserving mutual society members' entitlement to certain benefits when such entitlement is limited or harmed by the disappearance of the mutual society to which they belong.

	• Mutual Reinsurance. The Federation's main economic activity. It fosters the balanced development of the mutual societies, particularly in regard to the provision of new benefits. It makes available a statistical database for determining the overall frequency of accidents across the whole of the mutual societies' membership. It enables societies to cope better with the sector's specific risks and make their contributions more competitive.