UniSalute

What UniSalute does

UniSalute S.p.A. is the dedicated supplementary health insurance subsidiary of Unipol S.p.A. and operates as Italy's largest health insurer by number of managed clients, with stated scale of 8.6 million insured individuals and access to a network of more than 9,800 affiliated healthcare facilities. Founded in 1998 and headquartered in Bologna, UniSalute has operated for over 25 years under IVASS insurance authorizations and serves individual consumers, businesses (SMEs through large multinationals), professional pension funds (Casse Professionali), category-level health funds (Fondi Sanitari), and municipal administrations across Italy.

The product architecture is modular: a layered base coverage stack (Essential, Plus, Extra, Top, Elite) priced from €55.20 to €488.60 per year can be combined with specialized add-on modules such as My Smile (dental), My Baby (maternity), My Travel (international travel), My Training (sports), My Business (self-employed), My Caregiving (caregiver support), Grandi Interventi (major surgery), Oncologia (cancer) and Invalidità Permanente (permanent disability). UniSalute also markets a set of standalone life-stage sub-brand plans targeting under-30s, women, men, families, mothers, seniors over 65, pet owners, and rehabilitation/fisioterapia customers. Underlying technology includes a customer web portal, the UniSalute Up iOS/Android app for policy management, claims submission with digital document upload, appointment booking at affiliated centers, 24/7 telemedicine (Top tier), and the companion SiSalute Up app for welfare/discounted health services.

UniSalute makes money primarily through recurring insurance premiums on individual policies and through corporate, association, fund, and municipal contracts that bundle supplementary health coverage for employees or members. Distribution is multi-channel: direct online (website + mobile apps), the Unipol Group agent network, bancassurance branches (BPER, Banca di Sardegna, Banca Popolare di Sondrio), a dedicated organizational unit for insurance brokers, and direct corporate sales covering Italian businesses of all sizes. The company is wholly owned by Unipol S.p.A. and operates exclusively within Italy as part of Gruppo Assicurativo Unipol.

Name

UniSalute

Legal name

UniSalute S.p.A.

Website

https://unisalute.it

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

501–1,000 employees

Short description

UniSalute is the wholly-owned Unipol Group subsidiary that operates Italy's largest supplementary health insurance business, insuring 8.6 million-plus individuals and serving Italian consumers, businesses, professional funds, and municipalities through a modular insurance product suite and a 9,800-center affiliated healthcare network.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standalone Hospital Indemnity Insurance (FSAIAKAB)

akta.pro secondary industries

Combined Dental & Vision Insurance (FSAIAHAC), International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ), Embedded Travel Insurance Distribution & APIs (THALALAA)

Keywords

• Health insurance
• Supplementary healthcare
• Dental coverage plans
• Corporate health benefits
• Medical expense coverage

Headquarters

HQ city

Bologna

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: UniSalute generates revenue through annual and monthly insurance premiums paid by individual and corporate customers for health coverage. Products include base plans (Essential, Plus, Extra, Top, Elite) and modular add-ons (My Smile, My Baby, My Family, My Training, My Support, My Travel, My Pet, My Business, Grandi Interventi, Oncologia, Invalidità Permanente). Premiums range from €55.20/year for Essential base to €728.60/year for comprehensive packages.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

UniSalute is an Italian supplementary health insurance provider that offers modular health coverage plans for individuals, families, and businesses, including medical, dental, specialist, maternity, and wellness benefits. The company sells its plans directly online, through partner banks, insurance agents, brokers, and a dedicated corporate channel, and serves its policyholders through a digital platform (UniSalute Up app) and a nationwide network of affiliated healthcare facilities.

Product overview

UniSalute is the health insurance subsidiary of Unipol Group and Italy's leading health insurer with 8.6 million policyholders. The offering consists of a modular platform-plus-modules architecture: a set of base insurance solutions (Essential, Plus, Extra, Top, Elite) providing fundamental health coverage, supplemented by specialized add-on modules including My Smile (dental), My Baby (maternity), My Training (sports), My Business (self-employed), My Travel (travel health), My Caregiving (caregiving support), plus standalone coverage for Major Surgeries (Grandi Interventi), Oncology (Cure Oncologiche), and Permanent Disability (Invalidità Permanente). The portfolio also includes age-segmented sub-brands (UniSalute Donna, UniSalute Uomo, UniSalute Under 30, UniSalute Over 65), family-oriented products (UniSalute Famiglia, UniSalute Mamma), UniSalute Pet for veterinary coverage, and UniSalute Fisioterapia for rehabilitation. Enterprise offerings target businesses, health funds, and professional associations. Digital services include a customer web portal, the UniSalute Up mobile app, and the SiSalute Up companion app.

Differentiator

Problem solved

Functional benefit

Brands

• SiSalute: A related brand/platform offering welfare services and discounted rates for health services not covered by insurance.
• UniSalute Up
• SiSalute Up

Products and services

• UniSalute Essential Base supplementary health insurance plan providing entry-level coverage of medical expenses for individuals.
• UniSalute Plus Mid-tier supplementary health insurance plan offering expanded medical and specialist coverage for individuals and families.
• UniSalute Extra Enhanced supplementary health insurance plan with higher coverage limits and additional services for individuals and families.
• UniSalute Top Premium supplementary health insurance plan providing comprehensive medical, specialist, and diagnostic coverage.
• UniSalute Elite Top-tier supplementary health insurance plan with maximum coverage limits and premium services for high-end individual and family customers.
• UniSalute My Smile Add-on module providing dental care coverage including check-ups, treatments, and orthodontics, attachable to a base UniSalute plan.
• UniSalute My Baby Add-on module covering maternity, childbirth, and pediatric care services for families and expectant parents.
• UniSalute My Travel Add-on module providing health coverage and medical assistance during travel abroad, attachable to a base plan.
• UniSalute My Pet Add-on module providing veterinary and healthcare coverage for household pets, attachable to a base plan.
• UniSalute My Business Add-on module providing health coverage tailored to business owners, freelancers, and professionals.
• UniSalute My Training Add-on module covering injuries and medical needs related to sports and physical training activities.
• UniSalute Dentista Standalone dental insurance plan covering preventive care, treatments, and orthodontics for individuals.
• UniSalute Donna Health plan tailored to women, covering preventive screenings, specialist visits, and gender-specific medical services.
• UniSalute Uomo Health plan tailored to men, covering preventive screenings, specialist visits, and gender-specific medical services.
• UniSalute Under 30 Health plan targeted at young adults under 30, offering coverage adapted to age-specific medical needs.
• UniSalute Over 65 Health plan targeted at seniors over 65, with coverage adapted to age-related medical needs.
• UniSalute Famiglia Family supplementary health insurance plan providing coverage for all members of a household under a single policy.
• UniSalute Pet Standalone pet healthcare insurance plan covering veterinary visits, treatments, and preventive care for dogs and cats.
• UniSalute Mamma Standalone health plan focused on maternity, pregnancy, childbirth, and postpartum care.
• UniSalute Fisioterapia Standalone health plan providing physiotherapy, rehabilitation, and physical therapy coverage.

Quantifiable outcome

• Over 10 million people insured
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• BPERcoreChannel Partner/ Reseller/ DistributorBancassurance partnership where BPER bank branches distribute UniSalute health insurance products to their customers, offering health coverage as part of the bank's financial services portfolio.
• Banca di SardegnacoreChannel Partner/ Reseller/ DistributorBancassurance partnership where Banca di Sardegna bank branches distribute UniSalute health insurance products to their customers, offering health coverage as part of the bank's financial services portfolio.
• Banca Pop di SondriocoreChannel Partner/ Reseller/ DistributorBancassurance partnership where Banca Pop di Sondrio bank branches distribute UniSalute health insurance products to their customers, offering health coverage as part of the bank's financial services portfolio.
• Unipol S.p.A. (Parent Company)coreStrategic or Co-development PartnerUniSalute is subject to the direction and coordination of Unipol S.p.A. and is part of Gruppo Assicurativo Unipol (registered at Albo dei gruppi assicurativi no. 046). The company leverages Unipol's brand, agent network, and infrastructure.

Scale indicators4 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• RBM Salute: Italian supplementary health insurance company providing health plans for individuals, families, and corporate clients. RBM Salute is among UniSalute's closest direct competitors in the Italian private health insurance market, with overlapping product suites including dental, hospitalization, and specialist visit coverage.
• Previmedical: Italian health management and claims administration company serving insurance carriers and health funds. Previmedical operates in the same value chain as UniSalute, managing claims, affiliated networks, and corporate health plans for Italian insurers, making it a directly comparable player in supplementary health services.
• Generali Welion: Generali Group's dedicated Italian health insurance brand, providing supplementary health coverage to individuals and corporate clients. As a major Italian insurer's health-focused brand, it competes head-to-head with UniSalute across corporate welfare, individual plans, and collective fund administration.

Broad incumbents

• Generali Italia: Italy's largest insurance group offering life, P&C, and health products. While not exclusively a health insurer, Generali Italia competes with UniSalute through its Welion brand and broader portfolio, with vastly greater scale, distribution, and capital resources.
• AXA Italia: Italian arm of global insurer AXA offering health, auto, home, and life products. AXA Italia's health offerings compete with UniSalute particularly in corporate welfare and individual supplementary coverage, with strong agent distribution and brand recognition.
• Allianz Italy: Italian operations of Allianz, providing a broad insurance portfolio including health products. Allianz Italy competes with UniSalute in supplementary health, particularly through corporate clients and bancassurance partnerships, with significant scale advantages.
• Zurich Italy: Italian subsidiary of Zurich Insurance Group offering life, P&C, and health products. Zurich Italy provides supplementary health coverage to individuals and corporate clients in Italy, with overlap in target segments and distribution channels.
• Cigna: Global health services and insurance company with significant international health insurance operations. Cigna competes with UniSalute in expatriate, corporate, and high-net-worth health segments, with broader geographic reach and deeper specialty care capabilities.
• Bupa: International health insurance and healthcare provider operating across multiple geographies. Bupa's model of combining insurance with owned healthcare delivery parallels aspects of UniSalute's affiliated provider network strategy, making it comparable in approach to integrated health coverage.

Emerging players

• Allianz Care: Allianz's international health insurance division focused on expatriate, corporate, and individual international health plans. While primarily international-focused, Allianz Care overlaps with UniSalute's My Travel product and corporate welfare offerings for internationally-mobile clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/UniSalute_

Revenue estimate

Valuation estimate

Number of profiles

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 UniSalute