ASISA

What ASISA does

ASISA, legally ASISTENCIA SANITARIA INTERPROVINCIAL DE SEGUROS S.A.U., is a Spanish private health insurer founded in 1971 as a physician cooperative under Lavinia, S. Coop. The company operates a vertically integrated healthcare and insurance platform serving more than 2.9 million insured lives across Spain, anchored by 18 proprietary hospitals, over 1,000 contracted medical centers, and a network of 50,000+ medical professionals. Beyond its core health insurance offering, ASISA has built a multi-line insurance portfolio spanning eight verticals: health (ASISA Salud), dental (ASISA Dental), pet (ASISA Mascotas), life (ASISA Vida), accident (ASISA Accidentes), travel (ASISA Viajes), hospitalization (ASISA Hospitalización), and death/funeral insurance operated under the Ocaso sub-brand.

The company's technology stack centers on ASISA Live, a proprietary telemedicine platform offering 24/7 medical chat with sub-4-minute response times, video consultations with Grupo Hospitalario HLA specialists, psychoemotional support, and AI-powered telerehabilitation sessions guided by physiotherapists. A customer-facing self-service portal (Área Privada / Mi área privada) supports policy management, authorizations, copayments, and digital virtual cards. The company holds the Esquema Nacional de Seguridad (ENS) certification, GDPR/RGPD compliance, and WAI Level AA accessibility certification.

ASISA's business model is predominantly subscription-based recurring premium revenue across all eight product lines, with billing cadences spanning monthly (starting from €7.50/month for funeral insurance and €9.90/month for pet insurance) through annual options. Customer acquisition runs through four parallel channels: a digital self-service portal with online tariff calculators, a commercial telephone hotline (900 12 34 70), 57 physical branch offices (delegaciones), and a distribution network of 500+ independent insurance brokers (corredores) plus an external sales network. The customer base spans individual consumers, self-employed professionals, SMEs, large corporates, seniors aged 55-85, international citizens, and sports/educational organizations. ESG positioning is reinforced through UN Global Compact membership, Forética leadership, and quantified outcomes including 85% emissions reduction since 2018 and 76% renewable energy consumption.

Name

ASISA

Legal name

ASISA, ASISTENCIA SANITARIA INTERPROVINCIAL DE SEGUROS S.A.U.

Website

https://asisa.es

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

ASISA is a Spanish private health insurer serving over 2.9 million customers through 18 proprietary hospitals, 1,000+ contracted medical centers, and a multi-line insurance portfolio spanning health, dental, pet, life, accident, travel, hospitalization, and funeral coverage.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (524210)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399), Hospital & Medical Service Plans (6324), Life Insurance (6311)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industries

Administrative Services Only (ASO) for Employers (HLAEAAAD), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ)

Keywords

• Health insurance
• Dental insurance
• Pet insurance
• Funeral insurance
• Telemedicine services

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Health Insurance Premiums: Core revenue from health insurance products including plans with and without copayments, hospitalization coverage, and international health insurance for foreigners. Premiums collected on monthly, quarterly, semi-annual, or annual basis.
2. Dental Insurance Premiums: Dental insurance providing coverage for up to 140 dental procedures free of charge with discounts on additional services. Subscription-based model.
3. Accident Insurance Premiums: Personal accident insurance products including Accidentes Personales, Accidentes Plus (Type 1 and 2), Vida Accidentes Compromiso 10, and Vida Accidentes Senior. Annual or semi-annual premium payments.
4. Life Insurance Premiums: Life insurance products including Vida Tranquilidad, Vida Capital Decreciente, and Vida Accidentes products. Premiums with 15% discount for existing health insurance customers.
5. Decesos (Funeral) Insurance Premiums: Ocaso funeral insurance providing coverage for funeral services, legal advice, travel assistance, and repatriation. Starting from €7.50/month.
6. Pet Insurance Premiums: ASISA Mascotas insurance for dogs and cats covering veterinary assistance, vaccinations, civil liability, and optional theft/death coverage. Starting from €9.90/month for 2026.
7. Travel Insurance Premiums: Travel insurance products covering medical assistance, baggage, trip cancellation, delays, and civil liability for trips within Spain and internationally.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

ASISA is a multi-line private insurance company selling health, dental, pet, life, accident, hospitalization, travel and funeral (decesos) insurance products to individuals, families, professionals, seniors and businesses across Spain. Core distribution covers more than 2.9 million policyholders through a national network of 18 proprietary hospitals, 1,000+ contracted medical centers, 50,000+ medical professionals, 57 branch offices, 500+ independent brokers, and the proprietary ASISA Live telemedicine platform. Revenue is generated primarily through recurring insurance premiums paid monthly, quarterly, semi-annually or annually.

Product overview

ASISA is a comprehensive multi-line insurance company operating in Spain, offering a portfolio of eight core insurance products: health, dental, pet, life, travel, hospitalization, accident, and death insurance. The company operates as a health insurance leader with over 2.9 million customers, 18 proprietary hospitals, more than 1,000 affiliated centers, and a network of over 50,000 medical professionals. The product portfolio is structured around the ASISA brand umbrella, with specialized sub-products including ASISA Live (telemedicine platform), OCASO (death insurance brand), ASISA Accidentes Plus (premium accident line), and ASISA Mascotas (pet insurance). ASISA differentiates through digital health services via ASISA Live providing video consultations, AI-powered telerehabilitation, and 24-hour medical chat, while maintaining traditional insurance distribution through online, telephone, and in-person channels. The company also operates Club ASISA, a customer loyalty program with exclusive discounts across multiple categories.

Differentiator

Problem solved

Functional benefit

Brands

• ASISA Salud: Core health insurance product line with medical network of 18 hospitals and 1,000+ contracted centers
• ASISA Dental
• ASISA Accidentes
• ASISA Viajes
• ASISA Hospitalización
• ASISA Decesos

Products and services

• ASISA Salud (Health Insurance) Core health insurance line providing policyholders with access to ASISA's medical network of 18 proprietary hospitals, 50,000+ professionals and 1,000+ contracted centers across Spain. Offered with or without copayments, in international variants for foreigners, and integrated with the ASISA Live telemedicine platform.
• ASISA Dental (Dental Insurance) Dental insurance covering up to 140 dental procedures (consultations, extractions, emergency care, cleanings, X-rays, fluoride treatments) at no extra cost, with discounts over 35% on additional services, available through ASISA's dental network.
• ASISA Mascotas (Pet Insurance) Pet insurance for dogs and cats covering veterinary assistance, vaccinations, civil liability, accidental death capital, theft coverage and 24-hour emergency services through 500+ affiliated veterinary clinics.
• ASISA Vida (Life Insurance) Life insurance products (Vida Tranquilidad, Vida Capital Decreciente, accident-life combos and senior-specific plans) marketed to ensure the future and security of policyholders' loved ones, with a 15% discount for existing ASISA health customers.
• ASISA Viajes (Travel Insurance) Travel insurance covering medical assistance, baggage guarantee, trip cancellation, travel delays, and civil liability for travelers across domestic and international trips.
• ASISA Accidentes (Accident Insurance) Accident insurance product line providing financial protection in case of accidental death, hospitalization, permanent disability and reconstructive surgery, with subtypes for adults and seniors (up to 85) and the Accidentes Plus tier covering acute myocardial infarction.
• ASISA Decesos / OCASO (Funeral Insurance) Funeral / death insurance providing comprehensive coverage of funeral expenses, international repatriation assistance, travel assistance and legal advice, distributed through the Ocaso brand with 9/10 customer-satisfaction ratings.
• ASISA Hospitalización (Hospitalization Insurance) Hospitalization insurance providing access to quality medical care covering hospital stays, surgeries and specialized treatments through ASISA's affiliated network.
• ASISA Live (Telemedicine Platform) Digital health platform offering Chat Médico (24/7 medical chat under 4 minutes), Videoconsulta (video consultations with medical specialists from Grupo Hospitalario HLA), Apoyo Psicoemocional (psychological support) and AI-powered Telerrehabilitación for physiotherapy.

Named customers1 record

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature3 records

Partnerships

16 partnerships are on record, tiered core and minor.

• Real Betis BalompiécoreGTM or Marketing PartnerFootball club sponsorship providing brand visibility through stadium signage, team jerseys, and digital content. Represents ASISA's flagship sports sponsorship in La Liga.
• Villarreal CFcoreGTM or Marketing PartnerFootball club sponsorship in La Liga with brand exposure through match-day signage and official channels.
• Cádiz CFminorGTM or Marketing PartnerFootball club sponsorship in La Liga for regional brand presence in Andalusia.
• Real Racing de SantanderminorGTM or Marketing PartnerFootball club sponsorship for brand presence in Cantabria region.
• Levante UDminorGTM or Marketing PartnerFootball club sponsorship for brand visibility in Valencia region.
• Hércules de AlicanteminorGTM or Marketing PartnerFootball club sponsorship for regional presence in Alicante.
• UCAM MurciacoreGTM or Marketing PartnerBasketball club sponsorship (basketball team) for ASISA brand visibility in Spanish basketball leagues.
• Monbús ObradoirominorGTM or Marketing PartnerBasketball club sponsorship for brand presence in Galicia.
• Covirán GranadaminorGTM or Marketing PartnerBasketball club sponsorship for regional brand visibility in Andalusia.
• Abanca Ademar LeónminorGTM or Marketing PartnerHandball club sponsorship for brand presence in Castilla y León.
• Pamesa TeruelminorGTM or Marketing PartnerVolleyball club sponsorship for regional brand presence in Aragón.
• Grupo Hospitalario HLAStrategic or Co-development PartnerASISA partners with Grupo Hospitalario HLA for videoconsulta services, providing customers access to medical specialists through the ASISA Live telemedicine platform. This is an integrated healthcare delivery partnership.
• ForéticacoreStrategic or Co-development PartnerASISA is a member of Forética and leads its health sustainability working group. Partnership focused on ESG best practices and sustainability standards in healthcare sector.
• RedEWI (INESE)minorStrategic or Co-development PartnerASISA is a member of RedEWI of INESE (Instituto Español de Entorno Asegurador) for insurance industry knowledge sharing and professional development.
• General ÓpticaminorGTM or Marketing PartnerOptical partner offering ASISA customers up to 30% discount on contact lenses and free trial, as part of Club ASISA member benefits.
• BioCordminorGTM or Marketing PartnerStem cell conservation service partner offering ASISA health customers free conservation service as an included benefit.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sanitas (part of Bupa): Sanitas is one of Spain's largest private health insurers, offering individual and group health, dental, and other insurance products with its own hospital and clinic network. It is the closest direct competitor to ASISA in product scope, distribution model, and target customer segments in Spain.
• SegurCaixa Adeslas: SegurCaixa Adeslas is a leading Spanish private health insurance joint venture combining CaixaBank's distribution reach with Mutua Madrileña's underwriting expertise. It directly competes with ASISA across individual, family, and group health insurance in Spain.
• DKV Seguros: DKV is a Spanish private health insurer specializing in health, dental, and accident insurance with a strong digital and broker distribution focus. It competes head-to-head with ASISA in individual and SME health insurance segments in Spain.

Broad incumbents

• Mapfre: Mapfre is Spain's largest multiline insurer and a global player offering health among many other lines. As a broad incumbent with significant scale and an international footprint, it competes with ASISA in health insurance while also operating in auto, life, home, and commercial lines.
• Mutua Madrileña: Mutua Madrileña is a Spanish mutual insurer offering auto, home, life, and health insurance with strong brand recognition in Madrid. Its health line overlaps with ASISA's, particularly through the SegurCaixa Adeslas JV, making it a relevant competitor on group and individual health.
• AXA Seguros: AXA operates a broad insurance portfolio in Spain including health, auto, home, and life lines through broker and direct channels. While not a pure-play health insurer, it competes with ASISA for individual and group health insurance customers across Spain.
• Generali Seguros: Generali offers a wide range of insurance products in Spain including health, life, auto, and home. It competes with ASISA particularly in the group/employer-sponsored health insurance segment and uses broker and bancassurance channels similar to ASISA's.

Regional players

• IMQ (Igualatorio Médico Quirúrgico): IMQ is a regional health insurer based in the Basque Country with a strong physician-cooperative heritage similar to ASISA's Lavinia origins. It provides health insurance with proprietary medical infrastructure in northern Spain, making it a regional comparable with similar cooperative DNA.

Emerging players

• Fiatc Seguros: Fiatc is a Spanish mutual insurer with a focus on health, dental, and other personal lines, often targeting SMEs and mutualista-style communities. It competes with ASISA in niche health segments and shares a cooperative-like mutual ownership structure.

Others

• Clinica Universidad de Navarra (CUN) — health-insurance partnerships: CUN is a leading Spanish private hospital group that partners with insurers and offers premium concierge health services. It is a relevant ecosystem participant because ASISA's vertically-integrated model (HLA hospitals + insurance) parallels the insurer-hospital partnerships CUN pursues.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/AsisaSalud
• Facebookfacebook.com/AsisaSalud
• LinkedInlinkedin.com/company/asisa

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ASISA