Metasalute

What Metasalute does

Metasalute (legal name: Fondo Metasalute) is an Italian non-profit supplementary healthcare fund (Fondo di Assistenza Sanitaria Integrativa) established through collective bargaining and registered in the Anagrafe dei Fondi Sanitari. It serves workers covered by the CCNL dell'Industria metalmeccanica e dell'installazione di impianti and the gold/silver sector, extending coverage to dependent family members. The fund operates as a bilateral body governed jointly by employer associations (Federmeccanica, Assistal) and trade unions (FIM-CISL, FIOM-CGIL, UILM), with Giancarlo Ricciardi as President for the 2025–2028 term. As of the latest disclosures, it covers more than 38,000 member companies and over 1.2 million members.

The product portfolio is structured as a Base Plan (Piano Base at €13/month per worker) with four employer-elected supplementary tiers (MS1–MS4, priced up to €75/month). Coverage is delivered through two regimes: direct assistance via the proprietary VoucherSalute® voucher system at Previmedical-affiliated facilities, and indirect reimbursement processed by Intesa Sanpaolo Protezione. The platform layer comprises the Area Riservata member portal, the Sìccura health and prevention portal (launched March 2026, with telemedicine via the Sìccura DottorLive app for MS1–MS4 members), and the Ametea AI chatbot. Non-core initiatives include Progetti Speciali (autism, schizophrenia, DSA, dermatological prevention with LILT, large-family services), the Maternity Package, and a pensioner convention with Generali Italia.

The business model is a fully employer-funded subscription: contributions are collected via F24 (code MET1) or MAV and range from €156 to €900 per worker per year depending on the elected plan. The fund does not raise external capital and has no parent company; it reinvests contributions into healthcare benefits and platform operations. Distribution is structurally embedded in employer payroll administration, with no field sales force — member engagement runs through the digital portal, circular emails, and institutional events (MEFOP, AGENAS, Itinerari previdenziali, Federmeccanica assemblies).

Name

Metasalute

Legal name

Fondo Metasalute

Website

https://fondometasalute.it

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Metasalute is an Italian non-profit supplementary healthcare fund that delivers mandatory employer-funded health coverage to over 1.2 million metalworking and gold/silver sector workers and their families, operating a digital platform with tiered plans, direct-assistance vouchers, and a 2026-launched telemedicine portal.

Ownership category

akta.pro rank

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Employer Contributions: Mandatory employer contributions fund the health fund. For the Base Plan, employers pay €13/month per enrolled worker (€156/year). For integrated plans MS1–MS4, employers pay €16.67–€75/month depending on the plan. Contributions are made via F24 (MET1 code) or MAV through the Metasalute platform. Contributions are deductible for employers and subject to a 10% solidarity contribution to pension funds.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Metasalute provides mandatory supplementary healthcare coverage to workers in the Italian metalmechanical, plant-installation and gold/silver industries through a tiered plan structure (Piano Base plus integrated plans MS1–MS4), funded entirely by employer contributions. Coverage is delivered via direct assistance (VoucherSalute® voucher system across the Previmedical affiliated network managed by Intesa Sanpaolo Protezione) and indirect/reimbursement assistance, with digital access through the Area Riservata member portal, the Sìccura prevention and telemedicine portal, and the Ametea AI assistant. Special projects extend coverage to autism, DSA, schizophrenia, dermatological prevention and large families.

Product overview

Metasalute is an Integrated Supplementary Health Fund for metalworking industry workers, established through the National Collective Labor Agreement (CCNL). The offering consists of a platform-plus-modules architecture centered on the Area Riservata (Reserved Area) member portal. The core product is the Piano Base (Base Plan), to which four supplementary plans (MS1 through MS4) can be added by employers. Members access healthcare through two assistance regimes: Assistenza Sanitaria Diretta (using the VoucherSalute voucher system) and Assistenza Sanitaria Indiretta/Rimborsuale (reimbursement). Supplementary digital services include the Ametea AI assistant, the Sìcura health portal (with telemedicine via DottorLive app), and Progetti Speciali (Special Projects) for extraordinary healthcare initiatives. Coverage spans 2024-2026, with over 38,000 companies and 1.2 million registered members.

Differentiator

Problem solved

Functional benefit

Brands

• VoucherSalute: Digital voucher system for accessing direct healthcare assistance services
• SìCura
• Sìcura DottorLive
• Ametea

Products and services

• Piano Base (Base Plan) The fundamental supplementary health insurance plan for workers in the Italian metalmechanical industry and plant-installation sector, valid for the 2024-2026 triennium. Coverage is fully employer-funded at €13/month (€156/year), includes the registered worker, and extends free of charge to dependent family members (subject to income thresholds). Provides both direct assistance (VoucherSalute) and indirect (reimbursement) healthcare coverage, with 100% SSN Ticket coverage.
• Piano MS1 First-level integrated supplementary health plan priced at €16.67/month (€200/year) per worker, providing enhanced coverage beyond the Base Plan. Plan selection is determined by the employer through second-level agreement or company regulation, not by the individual worker.
• Piano MS2 Second-level integrated supplementary health plan with intermediate coverage and benefits, priced at €23.34/month (€280/year) per worker, providing broader coverage than MS1 with higher benefit limits.
• Piano MS3 Third-level integrated supplementary health plan with premium coverage, priced at €34.00/month (€408/year) per worker, offering extensive healthcare benefits including higher reimbursement limits and broader network access.
• Piano MS4 Top-tier integrated supplementary health plan with maximum coverage, priced at €75.00/month (€900/year) per worker, providing the most comprehensive healthcare benefits within the Metasalute offering.
• VoucherSalute®

Quantifiable outcome

• Over 1.2 million members and 38,000+ companies served
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Intesa Sanpaolo ProtezionecoreStrategic or Co-development PartnerIntesa Sanpaolo Protezione is the insurance company managing and delivering all healthcare services for Metasalute under the 2024-2026 health plans. It manages the affiliated facility network (Previmedical), the VoucherSalute system, direct assistance authorization, and reimbursement processing. It also provides the Sìcura health portal to members.
• Generali Italia S.p.A.coreStrategic or Co-development PartnerGenerali Italia has a dedicated convention with Metasalute for a supplementary health insurance policy exclusively for retired former members of the fund (pensionati ex iscritti), providing continued health coverage after retirement.
• Previmedical S.P.A.coreTechnology or IntegrationPrevimedical S.P.A. manages the affiliated healthcare facility network (strutture convenzionate) used by Metasalute members for direct healthcare assistance. The searchable directory is available at previmedical.it/metasalute.html.
• LILT (Lega Italiana per la Lotta contro i Tumori)minorStrategic or Co-development PartnerLILT is the Italian League for Cancer Fight partnered with Metasalute for the dermatological prevention project (Prevenzione Dermatologica). Members access free skin cancer screening via dedicated vouchers at LILT affiliated centers.
• AGENAS (Agenzia Nazionale per i Servizi Sanitari Regionali)coreStrategic or Co-development PartnerMetasalute participates in the AGENAS Laboratory on Supplementary Healthcare as part of its Osservatorio Nazionale dei Fondi Sanitari Integrativi. This collaboration aims to explore integration models between supplementary health funds and the public healthcare system (SSN), share best practices, and develop innovative welfare models.
• FedermeccanicacoreStrategic or Co-development PartnerFedermeccanica is one of the founding party organizations (parti stipulanti) of the CCNL for the metalmechanical industry. It co-governs the fund alongside trade union organizations and sets the mandatory health coverage framework.
• FIM-CISLcoreStrategic or Co-development PartnerFIM-CISL is one of the founding party organizations (parti stipulanti) of the CCNL for the metalmechanical industry and co-governs the fund as an institutional organ.
• FIOM-CGILcoreStrategic or Co-development PartnerFIOM-CGIL is one of the founding party organizations (parti stipulanti) of the CCNL for the metalmechanical industry and co-governs the fund as an institutional organ.
• UILM NazionalecoreStrategic or Co-development PartnerUILM Nazionale is one of the founding party organizations (parti stipulanti) of the CCNL for the metalmechanical industry and co-governs the fund as an institutional organ.
• AssistalcoreStrategic or Co-development PartnerAssistal is one of the founding party organizations representing employers in the installation of plants sector and co-governs the fund as an institutional organ.
• MEFOP (Mercato dei Fondi Pensione)coreStrategic or Co-development PartnerMEFOP organizes the annual Summit on Supplementary Healthcare as part of the 'Agorà Mefop welfare' project, bringing together health funds, insurers, providers, and institutional stakeholders. Metasalute participates as a speaker and contributor to policy discussions on supplementary healthcare.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CAMPA (Cassa Assistenza Malattie Professionali Artigiani): CAMPA is an Italian sectoral supplementary health fund covering professional illness and healthcare assistance for specific CCNL-covered worker categories. Structurally comparable to Metasalute as a CCNL-mandated bilateral health fund, with similar member-base and benefit-design approach.
• Fondo QuAS: Fondo QuAS (Cassa Assistenza Sanitaria Quadri) provides supplementary health coverage to Italian middle managers (quadri). It is structurally comparable to Metasalute: bilateral fund established by CCNL, mandatory contributions, and outsourced insurance administration via a partner carrier.
• San.Arti. San.Arti. is the supplementary health fund for Italian artisans (artigiani) and PMI employees under CCNL Artigianato. It mirrors Metasalute's bilateral governance, mandatory employer contributions, and tiered plan structure — directly comparable in operating model and member base composition.
• Fondo Est: Fondo Est is the Italian supplementary health fund for workers in the commerce, tourism, and services sectors under the CCNL Terziario. It is the closest sectoral peer to Metasalute: same bilateral structure, same CCNL-mandated mandatory enrollment, same scale tier (millions of members), and same insurance-administration model via third-party partners.
• CADGI (Cassa Assistenza Dirigenti Industrie): CADGI provides supplementary health coverage to Italian industry executives (dirigenti). Same bilateral governance model and CCNL-based funding, but serving a different (higher-income, smaller) worker category — useful peer for plan-design and executive-tier product benchmarking.
• Fondo FASCHIM: FASCHIM is the supplementary health fund for workers in the Italian chemical, pharmaceutical, cosmetics, and related sectors under the CCNL Chimico-Farmaceutico. Same bilateral fund model, same CCNL mandate, and overlapping service categories (specialist visits, diagnostics, dental) — a direct sectoral peer.

Broad incumbents

• UniSalute: UniSalute is the dedicated health-insurance brand of Unipol Group, one of Italy's largest health insurers with both individual and corporate plans. Comparable as a competitor in the broader Italian supplementary health market, though it operates as a commercial insurer rather than a CCNL-mandated bilateral fund.
• Generali Italia: Generali Italia is Italy's largest insurance company and offers supplementary health products including the dedicated pensioner convention with Metasalute. As Metasalute's partner for retired-member coverage and a major competitor in the broader Italian health-insurance market, it is a key incumbent peer.
• RBM Salute: RBM Salute (acquired by Generali) is a major Italian health-insurance brand focused on corporate and group health plans. Comparable as a competitor for the same employer budgets that fund Metasalute's CCNL contributions, though it sells commercial rather than bilateral products.
• Allianz Care Italy: Allianz Italy offers group and individual supplementary health insurance products and is one of the larger international insurers active in the Italian health market. Comparable as a broad incumbent competing for the same employer welfare budgets that sit alongside Metasalute's mandatory contributions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fondo-metasalute

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Metasalute