Zurich Clinic

What Zurich Clinic does

Zurich Klinc (legal entity: Zurich Servicios Directo España S.L., NIF B-67273086) is a digital direct insurance platform headquartered in Barcelona, Spain, operating as a wholly-owned subsidiary of Zurich Insurance Group. Distributed exclusively through a mobile application and web channel with no physical branches or agents, the platform sells and services a broad catalog of personal insurance products in Spain — device insurance (phones, tablets, laptops, smartwatches, cameras, consoles, headphones), mobility insurance (e-scooters, bicycles), life insurance (family and mortgage protection), motor insurance (third-party through full coverage), home insurance (owners and tenants), and health insurance (Salud and Salud+) — alongside subscription wellness services (Maternity+ coaching, Vitalidad+ longevity program).

The platform's technical core is a mobile-first insurance administration stack: the Zurich Klinc app handles policy purchase, ON/OFF coverage toggling, real-time policy activation via digital signature, payment management, and claims status tracking, with a companion Salud+ app for health insurance services (physician selection, appointments, authorizations, digital medical card). A distinguishing feature is the On-Demand modality, which allows users to activate or deactivate device coverage in real time and pay only for active coverage periods (minimum 90 days ON per 12-month contract), with unused balance preserved in a "Mi Saldo" wallet. Underwriting risk is not borne on the platform's own balance sheet; instead, the entity operates as an Agencia de Suscripción (Subscription Agency) distributing policies underwritten by Zurich Insurance Europe AG (key E0189), Zurich Vida (key C0039), and DKV Seguros (key C0161).

The business model is subscription- and usage-based recurring premium income across multiple product lines, with a digital-first product-led growth motion: customers self-serve the entire lifecycle (quote, purchase, manage, claim) through the app. Pricing is dynamic per line — device premiums scale with device value, location, and customer age; health premiums are set by DKV based on postal code, headcount, and age; wellness subscriptions are flat recurring fees via partners (Senniors for Vitalidad+). The company serves individual consumers and families in Spain across distinct life-stage segments (device owners, families, homeowners/tenants, mothers/expectant mothers, adult children of seniors), with horizontal segmentation across product lines rather than vertical industry specialization. No external funding, headcount figures, or financial disclosures are available.

Name

Zurich Clinic

Legal name

Zurich Servicios Directo España S.L.

Website

https://klinc.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Zurich Klinc is the digital direct insurance platform of Zurich Insurance Group in Spain, distributing device, health, life, motor, home, and mobility insurance plus wellness subscriptions entirely through a mobile app to Spanish individual consumers and families.

Ownership category

akta.pro rank

Product category

Consumer Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAGAGAC

Claims Management & Digital FNOL Platforms

Financial & Insurance/Financial Technology (Fintech)/Insurtech Platforms (Digital Insurance Enablement)

Keywords

• Digital insurance platform
• On-demand device insurance
• Mobile insurance app
• Health insurance coverage
• Consumer insurance products

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Device Insurance Premiums: Recurring premiums for device insurance (phones, tablets, laptops, smartwatches, cameras, consoles) with Annual or On-Demand billing modalities. Pricing based on device market value, customer location, and customer age.
2. Health Insurance Premiums: Health insurance products (Salud and Salud+) distributed through partnership with DKV Seguros. Pricing based on postal code, number of insured persons, and their ages.
3. Motor Insurance Premiums: Car insurance products with various coverage levels (Third Party, Third Party Extended, Full Coverage) and optional add-ons like legal defense and roadside assistance.
4. Home Insurance Premiums: Home insurance for owners and tenants covering property and contents.
5. Life Insurance Premiums: Life insurance products including family and mortgage protection, with succession tax advance feature.
6. Vitality+ Subscription: Digital longevity and wellness program provided in partnership with Senniors. Offers personalized wellness plans covering sleep, physical activity, mindfulness, and nutrition with coach support.
7. Maternity+ Subscription: Digital maternity support service with coaching for mothers and expectant mothers, covering sleep, physical activity, and parenting queries.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Zurich Klinc is a digital direct insurance platform operating in Spain that distributes consumer insurance products (device, mobility, life, motor, home, and health) and wellness services (Maternity+, Vitalidad+) through its mobile app and web portal. Products are underwritten by partner carriers Zurich Insurance Europe AG, Zurich Vida, and DKV Seguros, while Klinc acts as an authorized subscription agency handling digital sales, policy activation, ON/OFF coverage toggling, and claims processing. The platform's signature feature is on-demand device insurance that allows customers to activate and deactivate coverage and pay only for active periods.

Product overview

Zurich Klinc is a digital insurance platform offering on-demand and annual insurance products across multiple categories. The product portfolio includes: (1) Device Insurance for electronics (phones, laptops, cameras, consoles) with On Demand and Annual modalities; (2) Health Insurance underwritten by DKV (Salud without hospitalization, Salud+ with hospitalization); (3) Life Insurance (family and mortgage protection); (4) Motor Insurance (car coverage with tiers from Third Party to Full Coverage); (5) Home Insurance for tenants and owners; (6) Mobility Insurance for scooters and bicycles; (7) Maternity+ digital coaching service; and (8) Vitalidad+ longevity wellness program provided by Senniors. The platform operates through mobile apps (Zurich Klinc app, Salud+ app, Vitalidad+ app, Maternity app) with digital contract activation, payment processing, and claims management.

Differentiator

Problem solved

Functional benefit

Brands

• Salud+: Health insurance with hospitalization coverage including primary care, specialists and hospitalization.
• Maternity+
• Vitalidad+

Quantifiable outcome

• Up to 2 accidental damage claims per year and 1 theft claim per year
• +3 more outcomes

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• DKV Seguros y Reaseguros Sociedad Anónima EspañolacoreTechnology or IntegrationHealth insurance product partner for Zurich Klinc's Salud and Salud+ insurance products. DKV provides the medical provider network, calculates health insurance pricing based on postal code and insured demographics, and manages health insurance claims and authorizations. Registration key C0161 with the Dirección General de Seguros y Fondos de Pensiones.
• Zurich Insurance Europe AG, Sucursal en EspañacoreTechnology or IntegrationPrimary insurance provider for various Zurich Klinc products. Registration key E0189 with the Dirección General de Seguros y Fondos de Pensiones.
• Zurich Vida, Compañía de Seguros y Reaseguros, S.A.coreTechnology or IntegrationLife insurance product provider for Zurich Klinc's vida insurance products. Registration key C0039 with the Dirección General de Seguros y Fondos de Pensiones.
• SenniorscoreStrategic or Co-development PartnerLongevity and elderly care service provider for the Vitalidad+ wellness program. Senniors is the reference company in longevity and care for seniors, present in more than 100 cities with ISO quality certifications. They provide the quality seal and specialized care expertise for the Vitalidad+ service.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SegurCaixa Adeslas: Major Spanish health and multi-line insurer, joint venture between Mutua Madrileña and CaixaBank. Strong overlap with Zurich Klinc's health product (Salud/Salud+) and other lines; benefits from bancassurance distribution.
• MAPFRE: Spain's largest global insurer with full multi-line offerings across Iberia and Latin America. Broad incumbent competing with Zurich Klinc in motor, home, health, and life; also owns the Verti direct brand noted above.
• Generali España: Spanish arm of Generali, offering motor, home, health, and life insurance. As a large European insurer with growing digital channels, it overlaps with Zurich Klinc's product portfolio and target Spanish consumer segments.
• Mutua Madrileña: One of Spain's largest mutual insurers, offering motor, home, health, and life coverage with an increasingly digital customer experience. Competes with Zurich Klinc across multiple product lines but with much broader capital base and traditional distribution.
• Sanitas: Spanish health insurer (part of Bupa group) offering health, dental, and related products. Directly comparable to Klinc's Salud/Salud+ health insurance line and bundled wellness offerings; well-established digital presence.

Emerging players

• Oscar Health: US digital health insurance carrier built around an app-driven member experience, telemedicine, and care navigation. Comparable to Zurich Klinc's health insurance + wellness bundle (Salud/Salud+ + Maternity+ + Vitalidad+).
• Lemonade: US-listed digital-first insurance company applying AI and behavioral economics to renters, home, car, pet, and life insurance. Highly comparable business model — app-based, AI-driven, multi-line — and a global benchmark for insurtech PLG execution.
• Alan: France-based digital health insurer with a strong app-first member experience and growing wellness services. Closely mirrors the digital health-insurance-plus-wellness positioning of Zurich Klinc's Salud/Salud+ with Maternity+ and Vitalidad+ add-ons.

Direct peers

• Línea Directa Aseguradora: Spain's leading direct/digital insurance company, selling motor, home, and health policies over the phone and web. Closest functional analogue to Zurich Klinc's digital-first, multi-line distribution model in the Spanish market, though operating at much larger scale and with in-house underwriting.
• Verti (MAPFRE): MAPFRE's direct/digital insurance brand in Spain, distributing motor and home insurance online without agents. Directly comparable to Zurich Klinc's digital-only, multi-line distribution approach; benefits from MAPFRE's underwriting scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/klincspain
• YouTubeyoutube.com/channel/UCg5ZYO5L-xJzO4BaWNSrpxQ
• Facebookfacebook.com/ZurichSegurosES
• LinkedInlinkedin.com/company/zurich-insurance-company-ltd
• Instagraminstagram.com/zurichseguros

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Zurich Clinic