Divina Seguros

What Divina Seguros does

Divina Seguros (legal name: DIVINA PASTORA SEGUROS, MUTUA DE SEGUROS) is a Spanish mutual insurance company headquartered in Valencia and founded in 1957 to provide social-welfare coverage for household employees. The company operates as a regulated Mutua de Seguros under Spanish insurance supervision (CIF V46055810) and is structured around a parent mutual entity with wholly-owned subsidiaries spanning general insurance, marine/cargo insurance, and an insurance agency (DIVINA PASTORA SEGUROS GENERALES, S.A.U.; ASEGURADORES AGRUPADOS, S.A.; Divina Pastora Agencia Central de Asesores, S.A.U.; plus the Asegrup sub-brand). It sells more than a dozen product lines — health, dental, hospitalization, auto, motorcycle, caravan, scooter, home, life, accident, savings, funeral/decesos, pet, and electric-scooter insurance — to individual policyholders, families, SMEs (5–19 employee group health), and broker-distributed business, with electronic scooter insurance launched in 2026 to align with the new DGT mandate.

The company monetizes exclusively through subscription-based insurance premiums, with entry-tier pricing anchored low (dental from €6/month, accident from €10/month, pet from €10.50/month) and broader plans extending up to €42+/month for SME group health or up to €60/month for premium accident cover. Distribution is multi-channel: 80+ physical branches nationwide, a 300+ commercial representative sales force, phone sales and service, a self-service website with online premium calculators and a searchable medical/specialist/dental/veterinary directory, iOS and Android mobile apps, and a dedicated broker channel (Canal Corredurías). Its technology stack is a conventional insurance portal — website with quote calculators, GoContact-powered corporate chat, provider directory search, and mobile policy management — with no disclosed API, no proprietary ML models, and no documented AI/ML capabilities.

The customer base exceeds 500,000 insured across Spain, supported by 600+ professionals and a 300-strong external commercial network. The company emphasizes continuous profitability (uninterrupted for 60+ years), brand-building flagship sponsorships (Valencia CF as official insurer and sleeve partner; Real Federación Española de Gimnasia as main sponsor through 2028), and CSR partnerships (Aldeas Infantiles SOS, Médecins Sans Frontières, UNICEF España, Universitat de València). Leadership is led by President Armando Nieto. The firm remains private, with no external funding rounds, no parent company, and no public listing.

Name

Divina Seguros

Legal name

DIVINA PASTORA SEGUROS, MUTUA DE SEGUROS

Website

https://divinaseguros.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

101–250 employees

Short description

Divina Seguros is a Valencia-based Spanish mutual insurance company founded in 1957, serving more than 500,000 individual, family, and SME policyholders nationwide across health, dental, auto, home, life, accident, pet, funeral, and electric-scooter insurance products distributed through 80+ branches, a 300-strong sales network, and digital channels.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Health and Medical Insurance Carriers (524114), Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

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

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Personal insurance products
• Health insurance coverage
• Vehicle insurance policies
• Mutual insurance company
• Family insurance plans

Headquarters

HQ city

Valencia

HQ country

Spain

HQ region

Europe

Offices1 record

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. Insurance Premiums: Subscription-based insurance premiums collected from policyholders. Divina Seguros operates as a mutual insurance company (mutua de seguros) offering health, auto, life, accident, home, savings, death, and pet insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Divina Seguros is a Spanish mutual insurance company that sells a broad portfolio of personal and commercial insurance products, including health, dental, hospitalization, life, accident, auto, home, savings, funeral, pet, and electric scooter insurance. The company distributes these products directly through its branch network, sales representatives, phone service, and digital channels, as well as indirectly through a broker channel (Canal Corredurías). It serves individuals, families, small and medium enterprises, and insurance brokers across Spain, with access to nationwide medical, dental, and veterinary provider networks.

Product overview

Divina Seguros is a mutual insurance company (mutua de seguros) offering a comprehensive portfolio of personal and business insurance products. The core offering includes health insurance (Salud, Dental, Hospitalización), vehicle insurance (Autos, Motos), property insurance (Hogar), life and accident coverage (Vida, Accidentes), and specialized products (Mascotas, Patinetes Eléctricos). The company serves individuals, families, and businesses through direct sales and a broker channel (Canal Corredurías), with products available for SMEs (Salud Completo Pymes) and specialized coverage for watercraft, goods, and civil liability under the Asegrup sub-brand. All products are accessible via the company's mobile application for iOS and Android devices.

Differentiator

Problem solved

Functional benefit

Brands

• Asegrup: Insurance products for boats, goods, and civil liability under the Grupo Divina Seguros umbrella.

Products and services

• Salud (Health Insurance) Comprehensive health insurance with 24-hour emergency services, telemedicine, broad medical network, and optional dental coverage, designed for individuals and families in Spain.
• Dental Insurance Dental insurance providing coverage for consultations, treatments, orthodontics, implants, and periodontics from €6/month with no waiting periods, targeting individuals and families.
• Hospitalization Insurance Hospitalization insurance providing daily indemnity payments ranging from €10 to €120 per day during hospital stays, with worldwide coverage, for individual policyholders.
• Life Insurance (Vida) Life insurance offering flexible coverage amounts without medical examinations or waiting periods, with complete coverage from day one, for individuals and families.
• Accident Insurance (Accidentes) Personal accident insurance providing 24-hour coverage in personal and professional life, with flexible premiums up to €60/month and a permanent award at age 70, for individual policyholders.
• Home Insurance (Hogar) Home insurance protecting dwelling and contents with coverage for illegal occupation, handyman services, and technical assistance for appliances, for individual homeowners and families.
• Car Insurance (Autos) Vehicle insurance available from third-party basic to full-risk with deductible options, including 24/7 roadside assistance and network of recommended workshops, for individual drivers and families.
• Motorcycle Insurance (Motos) Motorcycle insurance for experienced riders with comprehensive coverage, distributed through the broker channel (Canal Corredurías) and direct channels.
• Caravan and Motorhome Insurance Insurance for caravans and motorhomes with extensive coverage for travelers, distributed through the broker channel (Canal Corredurías).
• Electric Scooter Insurance (Patinetes Eléctricos)

Named customers1 record

Segments3 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

Eight partnerships are on record, tiered core, flagship and minor.

• Fundació del Gran Teatre del LiceucoreStrategic or Co-development Partner · 17 June 2026Cultural partnership to promote opera and performing arts access. Supports programs including Liceu Apropa (vulnerable populations), LiceuAprèn (educational), LiceUnder35 (under 35), and Òh!pera (young creators). Agreement signed in June 2026 for one year.
• Valencia Club de FútbolflagshipGTM or Marketing Partner · 1 January 2024Divina Seguros is the official insurer and sleeve partner of Valencia CF. The company has presence on training and game jerseys of the first team and VCF Academy, as well as on physical and digital supports. Also collaborates with social projects of Fundació VCF. Sponsorship renewed for two seasons in 2025.
• Clínicas BeimanminorStrategic or Co-development Partner · 1 January 2024Joint promotion of the Beiman-Divina Awards for Sport, Health and Values in Andalucía. Third edition in 2026, recognizing individuals, entities, research, and projects using sport for social transformation, value transmission, health promotion, and quality of life improvement.
• Real Federación Española de Gimnasia (RFEG)flagshipGTM or Marketing Partner · 1 January 2015Main sponsor of RFEG since 2015, with commitment renewed until 2028 (10 years of collaboration). The sponsorship covers all national teams in gymnastics disciplines: artistic (men/women), rhythmic, trampoline, aerobic, acrobatic, and parkour. Includes scholarship program with 800+ aids awarded since 2016.
• Aldeas Infantiles SOSminorOthersPartnership to support education of children and young people at risk of social exclusion.
• Médicos sin FronterasminorOthersPartnership agreement to combat child malnutrition through MSF programs.
• UNICEF EspañaminorOthersCollaboration in child vaccination program in Cuba.
• Universitat de València (UV)minorOthersPartnership renewal to support Ukrainian refugees through various assistance programs.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Adeslas: Leading Spanish health insurance carrier (part of Mutua Madrileña Group / Centene JV). Direct competitor in individual health, dental, and SME health insurance — the most comparable pure-play health insurance competitor to Divina's core offering.
• Mutua Madrileña: Spanish mutual insurance company offering auto, home, life, and health insurance. Closely comparable to Divina Seguros given the shared mutual structure, multi-line product portfolio, and Spain-only geographic focus; Mutua Madrileña is materially larger and more diversified.
• DKV Seguros: Spanish health insurance specialist owned by Munich Re's ERGO group. Direct competitor in individual and family health, dental, and hospitalization insurance — closely comparable product suite to Divina's health-led portfolio.
• SegurCaixa Adeslas: Joint venture between CaixaBank and Mutua Madrileña, leader in Spanish health insurance. Direct peer in health, dental, auto, home, and life insurance with comparable multi-channel distribution including bank-affiliated broker channel.
• Línea Directa Aseguradora: Spanish direct-to-consumer insurer specializing in auto insurance with growing multi-line presence. Comparable in direct/distributed channel approach and pricing-led positioning in Spanish personal lines; larger and publicly listed.
• Caser Seguros: Spanish mutual insurance company offering health, home, auto, life, and accident insurance. Highly comparable mutual structure and product mix to Divina Seguros, with similar national distribution footprint and customer base scale.
• Sanitas: Major Spanish health insurance specialist (part of Bupa) offering health, dental, and related coverage. Directly comparable to Divina's health-led core business, with overlapping products including telemedicine, dental, and hospitalization; operates at significantly larger scale.

Broad incumbents

• Generali España: Spanish subsidiary of Italian insurance giant Generali, offering auto, home, health, life, and accident insurance. Broad incumbent offering overlapping products to Divina with significantly larger international backing and capital base.
• Mapfre: Largest Spanish insurance group with multi-line coverage including health, auto, home, and life. Comparable in product breadth to Divina's portfolio but operates at substantially greater scale with international diversification across Latin America.
• Zurich Seguros España: Spanish subsidiary of Zurich Insurance Group offering auto, home, life, and commercial insurance. Broad incumbent with comparable multi-line personal insurance portfolio to Divina, backed by global reinsurance and capital strength.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCbKqpWmIY3JBTi89p-9y34w
• Facebookfacebook.com/DivinaPastoraSeguros
• LinkedInlinkedin.com/company/divina-seguros
• Instagraminstagram.com/divina_seguros

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 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 Divina Seguros