Umivale Activa

What Umivale Activa does

Umivale Activa, Mutua Colaboradora con la Seguridad Social número 3, is a Spanish non-profit mutual insurance entity established in 1904, headquartered in Quart de Poblet (Valencia). It provides occupational health management, workplace accident prevention, temporary disability benefits administration, social assistance, and absenteeism management services to affiliated companies, self-employed workers, household employees, agricultural workers under the Sistema Especial Agrario, and the advisory firms (despachos) that administer them. The company operates across multiple Spanish regions including Valencia and Tarragona, where it protects more than 108,900 people, and serves the broader workforce through a network of physical medical assistance centers.

The product surface is a hybrid physical-and-digital platform. Digital components include the Umivale Activa Online portals for companies/advisory firms (empresa.umivale.es) and for workers and self-employed individuals (tusalud.umivale.es), with mobile applications for iOS and Android; the Escuela de Salud, a health education program with over 88,000 participants covering emotional wellbeing, sleep, nutrition, sports, and back care; the Escuela de Salud Virtual, a metaverse-style web application using avatars and gamified learning; the Calculadora de Absentismo, an absenteeism economic-value calculator for companies; and ValerIA, an AI-powered virtual assistant launched in 2025 that autonomously conducts telephone follow-up of work absences. Physical infrastructure comprises medical assistance centers providing occupational risk prevention (Prevención de Riesgos Laborales), medical assistance for work accidents and occupational diseases (Asistencia Sanitaria), economic benefits administration (Prestaciones Económicas), and social assistance (Asistencia Social), alongside the Programa Empresa Sana healthy company program.

The business model is funded through mandatory Social Security contributions paid by affiliated companies under the Spanish mutual collaboration framework, with the company designated as Mutua Colaboradora número 3. Revenue mechanics are subscription-recurring in nature (continuous contributions tied to affiliation) rather than transactional. Go-to-market combines enterprise field sales and advisory services for affiliated companies with direct-to-consumer self-service for workers through digital portals. The organization pursues research collaborations with Universidad de Valencia and Ivie, joint awareness campaigns with NGOs such as Proyecto Hombre Valencia, and industry benchmarking through AMAT (Asociación de Mutuas de Accidentes de Trabajo). It maintains certifications including EFQM Seal 2025, Bequal Plus, Igualtat d'Oportunitats, Carta de Diversidad 2026, Esquema Nacional de Seguridad (Medium Level), and partial GDPR/RD 1112/2018 accessibility compliance.

Name

Umivale Activa

Legal name

Umivale Activa, Mutua Colaboradora con la Seguridad Social nº 3

Website

https://umivaleactiva.es

Company type

Private

Founded year

1904

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Umivale Activa, founded 1904, is a Spanish non-profit mutual insurance entity (Mutua Colaboradora con la Seguridad Social nº 3) providing occupational health management, workplace accident prevention, absenteeism management, and temporary disability benefits to affiliated companies, self-employed workers, and other workers across Spain.

Ownership category

akta.pro rank

Product category

Occupational Health Insurance Services

NAICS

Health and Welfare Funds (525120), Business Associations (813910)

SIC

Accident & Health Insurance (6321), Services-Health Services (8000), Services-Misc Health & Allied Services, Nec (8090)

akta.pro primary industry

Worksite Hospital Indemnity Insurance (FSAIAMAB)

Keywords

• Occupational health services
• Workplace accident prevention
• Absenteeism management
• Occupational risk prevention
• Mutual health insurance

Headquarters

HQ city

Valencia

HQ country

Spain

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Social Security Contributions: Umivale Activa is a mutual insurance company (Mutua Colaboradora con la Seguridad Social) funded through mandatory contributions from affiliated companies. Companies pay Social Security contributions that fund the mutual's operations for occupational health, accident prevention, and worker benefits management.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Umivale Activa is a non-profit mutual insurance company (Mutua Colaboradora con la Seguridad Social nº 3) that manages occupational health services, workplace accident prevention and treatment, absenteeism management, and economic benefits administration for affiliated companies and protected workers across Spain. The organization delivers its services through a combination of physical medical assistance centers and digital platforms (web portals, mobile apps, and AI-powered virtual assistants). It is funded through mandatory Social Security contributions from member companies.

Product overview

Umivale Activa is Mutua Colaboradora with the Seguridad Social number 3, a non-profit mutual insurance association that manages Social Security health and safety services for companies and workers. The company operates a platform-plus-services model consisting of digital portals (Umivale Activa Online for Empresas and Personas), the virtual health school programs (Escuela de Salud and Escuela de Salud Virtual in metaverse format), and direct services including occupational risk prevention, medical assistance, economic benefits administration, and social assistance. Over 108,900 people are protected in Tarragona province alone, with more than 88,000 participants in the Escuela de Salud program.

Differentiator

Problem solved

Functional benefit

Brands

• ValerIA: AI-powered virtual assistant for telephone follow-up of work absences, launched to improve user experience and optimize professional workflows.
• Umivale Activa Online
• Escuela de Salud Virtual

Products and services

• Umivale Activa Online - Empresas Digital management platform for companies and advisory offices to access real-time information about worker medical assistance, absence reports, deductions, and medical appointment scheduling. Available in desktop and mobile app versions.
• Umivale Activa Online - Personas Digital platform and mobile app for workers and freelancers to access real-time information about their medical assistance and benefits, with appointment reminders and location services for nearest Umivale Activa center.
• Escuela de Salud Virtual Innovative web application in metaverse/virtual format for occupational health promotion. Allows users to configure avatars and explore a virtual environment addressing topics such as back care, emotional health, and nutrition through gamification, interactive learning sessions, and educational games.
• Escuela de Salud Virtual health school offering online sessions on general health and healthy habits. Since its launch, over 88,000 people have participated. Includes programs on emotional wellbeing, sleep hygiene, sports practice, nutrition, and back care.
• ValerIA - AI Virtual Assistant AI-generated virtual assistant for automated telephone follow-up of work absences. The tool conducts multi-step autonomous conversations with patients regarding their sick leave status, improving user experience and optimizing the work of Umivale Activa professionals.
• Prevención de Riesgos Laborales Occupational risk prevention services including risk assessments, preventive planning, and training for companies to ensure workplace safety compliance.
• Asistencia Sanitaria Medical assistance services for work-related accidents and occupational diseases, including treatment, rehabilitation, and follow-up care for workers.
• Prestaciones Económicas Economic benefits administration for temporary disability and work accidents, managing corresponding payments to workers during sick leave periods.
• Asistencia Social Social assistance services providing support and resources for workers' social welfare beyond medical care.

Quantifiable outcome

• 88,000+ participants in health education programs rating them as excellent
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• Proyecto Hombre ValenciacoreStrategic or Co-development PartnerCollaboration with Proyecto Hombre Valencia for addiction prevention campaigns. Joint campaigns include anti-drug initiatives, anti-smoking programs, and alcohol awareness. The partnership includes educational materials and joint audiovisual content for workplace addiction prevention.
• Universidad de ValenciacoreStrategic or Co-development PartnerResearch collaboration for studying occupational health topics. Umivale Activa conducts studies on temporary disability and accident rates in Spain, collaborating with the university for quantitative analysis.
• Ivie (Instituto Valenciano de Investigaciones Económicas)coreStrategic or Co-development PartnerJoint research on temporary disability and accident rates in Spain. Ivie provides economic research expertise for analyzing occupational health data.
• AMAT (Asociación de Mutuas de Accidentes de Trabajo)coreStrategic or Co-development PartnerProfessional association of work accident mutuals in Spain. Umivale Activa uses AMAT data for research on workplace accidents, occupational health statistics, and industry benchmarking.
• Ministerio de Inclusión, Seguridad Social y MigracionescoreOthersRecovery project collaboration after DANA disaster. Ministry supported reconstruction of facilities in Riba-roja de Túria affected by flooding.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Mutua Universal: Mutua Universal is one of Spain's largest Mutuas Colaboradoras con la Seguridad Social, offering workplace accident management, occupational health, and temporary disability benefits. It is a direct competitor operating under the same Social Security collaboration framework as Umivale Activa.
• FREMAP: FREMAP is another major Spanish Mutua Colaboradora con la Seguridad Social, focused on workplace accident and occupational disease coverage. It competes directly with Umivale Activa for affiliated companies across Spain.
• MC Mutual (Mutual Cyclops): MC Mutual is a Mutua Colaboradora con la Seguridad Social providing occupational health, accident prevention, and temporary disability services to companies in Spain, directly comparable to Umivale Activa in regulatory model and service portfolio.
• ASEPEYO: ASEPEYO is a Spanish mutual insurer collaborating with Social Security, delivering occupational accident coverage, medical assistance, and disability benefits to affiliated employers across Spain.
• Ibermutua: Ibermutua is a Spanish Mutua Colaboradora with the Social Security system, offering workplace accident insurance, occupational health, and economic benefit administration comparable in scope to Umivale Activa's offering.
• Solimat: Solimat is a regional Mutua Colaboradora con la Seguridad Social headquartered in Castilla-La Mancha, providing similar accident coverage and occupational health services to Umivale Activa but with a regional orientation.
• Cesma Mutua: Cesma Mutua is a smaller Spanish Mutua Colaboradora offering workplace accident management and economic benefits, comparable to Umivale Activa at the smaller end of the sector's scale range.
• Mutua de Accidentes de Canarias (MAC): MAC is a Spanish mutual insurer collaborating with Social Security, focused on workplace accidents in the Canary Islands, providing a regional parallel to Umivale Activa's regional Spanish operations.

Broad incumbents

• Sanitas (BUPA España): Sanitas is a major Spanish private health insurer offering complementary health coverage and corporate wellness programs. It overlaps with Umivale Activa's health-services category but is a private commercial insurer rather than a regulated mutual.

Others

• Quirónsalud / IDB Group (occupational health division): Quirónsalud is Spain's largest hospital network offering occupational health and workplace medicine services to employers. It competes with Umivale Activa in the delivery of occupational medical services but is not a Social Security mutual insurer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/umivaleactiva
• YouTubeyoutube.com/channel/UCz5RCfFlWPQJJisDPGqh5YQ
• Facebookfacebook.com/UmivaleActiva
• LinkedInlinkedin.com/company/umivaleactiva
• Instagraminstagram.com/umivaleactiva

Compliance6 records

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 Umivale Activa