What FIATC Seguros does

FIATC Mutua de Seguros y Reaseguros, operating under the trade name FIATC Seguros, is a Spanish mutual insurance company headquartered at Av. Diagonal 648, Barcelona. Founded in 1926 and structured as a member-owned mutual (mutual de seguros y reaseguros) rather than a shareholder-owned corporation, the company ranks as the second-largest mutual insurer (Mutua del Estado) in Spain and serves a reported 571,674 customers with an 8.8/10 average satisfaction rating.

The company's product portfolio spans personal, commercial, and specialty lines: health insurance (Medifiatc — complete, without hospitalization, and reimbursement variants, plus dental and corporate health), automobile and motorcycle coverage including ECO options for electric and plug-in hybrid vehicles, home, life and accident insurance, funeral/decesos coverage, travel, boat and RV, pet, agricultural, engineering, and a suite of business lines including CiberFIATC cyber insurance. Underlying service delivery relies on a mix of digital channels (e-Cliente self-service portal, mobile app, eMediador agent platform, eProfesional broker platform) and physical infrastructure including wholly-owned Clínica Diagonal (80+ individual rooms, ICU, emergency) and the FIATC Life Barcelona wellness center, which provide exclusive medical services to insured members.

Revenue is generated through recurring subscription-style insurance premiums across multiple product lines, supplemented by revenue from owned medical facilities (Clínica Diagonal, FIATC Life) and elderly care operations through the Inverfiatc subsidiary (senior residences such as Les Masies de Mollet, Blau Almeda, Cugat Natura). Distribution combines a nationwide network of over 100 commissioned agents concentrated in Barcelona, Malaga, Alicante, Tarragona, Girona and Almeria with direct-to-consumer digital channels and an international delegation operated by ASSAP ASSEGURANCES in Andorra. The company employs between 501 and 1,000 staff, with business segments spanning individuals and families (primary), businesses, expatriates, and seniors.

Name

FIATC Seguros

Legal name

FIATC MUTUA DE SEGUROS Y REASEGUROS

Website

https://fiatc.es

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

501–1,000 employees

Short description

FIATC Seguros is a Spanish mutual insurance company headquartered in Barcelona, serving 571,674 customers across health, auto, home, life, travel, business, and specialty insurance lines through agent networks, digital portals, and owned medical and senior-care facilities.

Ownership category

akta.pro rank

Product category

Mutual Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industry

Fleet & Commercial Auto Liability (FSAJABAA)

Keywords

• Insurance services
• Health insurance
• Life insurance
• Property and casualty insurance
• Mutual insurance

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums: FIATC generates revenue primarily through insurance premiums collected from policyholders across multiple insurance lines including health, auto, home, life, travel, and other insurance products. As a mutual insurance company (mutual de seguros y reaseguros), it operates on a member-owned basis.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

FIATC Seguros is a Spain-based mutual insurance company that sells a comprehensive portfolio of personal, family, and business insurance products including health (Medifiatc), auto, motorcycle, home, life, accident, funeral/decesos, travel, boat, RV, pet, agricultural, engineering, and commercial/cyber insurance. As a policyholder-owned mutua, it complements its insurance products with proprietary healthcare delivery (Clínica Diagonal, FIATC Life wellness center) and senior care services (FIATC Residencias via Inverfiatc).

Product overview

FIATC Seguros is a Spain-based mutual insurance company offering a comprehensive portfolio of insurance products and wellness services. The core offerings include health insurance (Medifiatc with complete, without hospitalization, and reimbursement variants), automobile insurance (cars and motorcycles), home insurance, life and accident insurance, funeral insurance, travel insurance, and specialized business insurance. The company operates subsidiary brands including FIATC Life (medical wellness services), Clínica Diagonal (medical clinic), and FIATC Residencias (elderly care). Digital services include eMediador and eProfesional portals for intermediaries and the e-Cliente platform for customers.

Differentiator

Problem solved

Functional benefit

Brands

• FIATC Life: Exclusive wellness and medical services for FIATC policyholders in Barcelona, offering aesthetics, nutrition, obesity treatments, diagnostic tests, and medical/surgical specialties at Clínica Diagonal.
• Medifiatc
• FIATC Residencias
• CiberFIATC
• Inverfiatc

Products and services

• Medifiatc Health Insurance

Quantifiable outcome

• 571,674 customers trust FIATC with 417,789 services of assistance provided
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered major, minor and core.

• IPRESAmajorStrategic or Co-development Partner · 9 January 2023FIATC acquired a majority stake in IPRESA, a Spain-based health insurance company that owns the Arrasate Medical Center. This acquisition is part of FIATC's growth plan in the health sector, expanding its medical service capabilities.
• PKF AttestminorImplementation/ SI/ Consulting PartnerPKF Attest provided financial and legal advisory services for FIATC's acquisition of a majority stake in IPRESA.
• UNESPA (Union Española de Entidades Aseguradoras y Reaseguradoras)minorOthersUNESPA is a common data source for the insurance sector in Spain, used for statistical analysis, fraud prevention, and claims history information. FIATC participates in shared databases managed by UNESPA for these purposes.
• TIREA (Tecnologias de la Informacion y Redes para las Entidades Aseguradoras)minorOthersTIREA manages common data files for the Spanish insurance sector used for statistical, fraud prevention, and claims history purposes. FIATC participates in these shared databases.
• ASSAP ASSEGURANCEScoreChannel Partner/ Reseller/ DistributorASSAP ASSEGURANCES operates as FIATC's official delegate in the Principado de Andorra, providing insurance services in both personal and professional lines for general and life insurance. Located at Av. Enclar 26, Santa Coloma, Andorra.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mapfre: Largest Spanish insurance group and global player, with deep multi-line offerings across P&C, life, and health. Competes with FIATC across most product lines but at far greater scale and international reach.
• Generali España: Spanish subsidiary of global insurer Generali, offering life, P&C, and health insurance. Competes with FIATC in personal and commercial lines through multi-channel distribution.
• AXA España: Spanish arm of AXA, one of Europe's largest insurers, offering health, auto, home, and life insurance. Competes with FIATC across most product lines with greater capital and brand resources.
• Zurich Insurance Spain: Spanish operations of Zurich Insurance Group, offering personal and commercial lines. Comparable in multi-line offering though focused more on commercial and affluent segments.

Direct peers

• Mutua Madrileña: Largest mutual insurance company in Spain, offering auto, home, life, and health insurance through a similar member-owned model. Most direct comparable on structure, geography, and product breadth.
• Santalucía: Spanish multi-line insurer offering home, life, accident, health, and funeral insurance with strong agent and broker distribution. Direct overlap in core personal lines and funeral/decesos products.
• SegurCaixa Adeslas: Leading Spanish health insurance carrier (joint venture between Mutua Madrileña and CaixaBank). Direct peer in Medifiatc's core health insurance segment and complementary to FIATC's Clínica Diagonal model.
• Sanitas: Spanish health insurer and healthcare provider (Bupa subsidiary) operating own hospitals and clinics. Closely comparable to FIATC's integrated health insurance + Clínica Diagonal model.
• DKV Seguros: Spanish health and personal accident insurer (Munich Re subsidiary). Direct peer in health and accident insurance with similar Mediterranean market focus.

Emerging players

• Línea Directa Aseguradora: Spain's leading direct/digital auto and home insurer. Competes directly with FIATC's car and home lines via a low-cost digital model — relevant for assessing FIATC's digital transformation pressure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fiatcseguros
• YouTubeyoutube.com/user/fiatcseguros
• Facebookfacebook.com/fiatcseguros
• LinkedInlinkedin.com/company/fiatc-seguros
• Instagraminstagram.com/fiatcmutuaseguros
• TikToktiktok.com/@fiatc.seguros

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about FIATC Seguros