ACUNSA

What ACUNSA does

ACUNSA (legal name: ASISTENCIA CLÍNICA UNIVERSITARIA DE NAVARRA S.A. DE SEGUROS Y REASEGUROS) is a privately held Spanish health insurance company headquartered at Avda. Pío XII, 57 in Pamplona, Navarra, operating as a Sociedad Anónima de Seguros y Reaseguros under Spanish insurance law (Ley 50/1980 and Ley 20/2015). The company was founded in 1985 and operates with a small team of 11–50 employees, distributing its policies exclusively within Spain through a national provider network of more than 35,000 medical specialists.

The product portfolio comprises six tiered health insurance policies: Póliza Smart (basic outpatient care with national network), Póliza Confort (comprehensive outpatient care with national network), Póliza Global (80–90% reimbursement with national network), Póliza First (100% worldwide reimbursement), Póliza Premium (hospitalization with maximum guarantees at Clínica Universidad de Navarra and free coverage for children), and Alta Especialización Élite (a unique policy covering the most difficult-to-cure pathologies, delivered exclusively at Clínica Universidad de Navarra). A dedicated telemedicine portal (telemedicina.aseguradosacunsa.es) provides insured members with remote consultations. Pricing is subscription-based, personalized by age, province, and number of insureds, and supports monthly, quarterly, semi-annual, or annual billing cycles.

The business model is recurring subscription revenue from health insurance premiums, with go-to-market split across direct online purchase via acunsa.es (with integrated price calculator), inside sales via toll-free number 900 12 12 13, a network of insurance intermediaries managed through mediador.acunsa.es, and a dedicated channel for corporate and collective groups (Pólizas para Empresas y Colectivos). ACUNSA's defining differentiator is its exclusive affiliation with Clínica Universidad de Navarra (CUN) and a research collaboration with CIMA (Centro de Investigación Médica Aplicada), enabling policy coverage of advanced medical technology, complex surgeries, and clinical-trial therapies not typically offered by standard Spanish health insurers. Marketing mixes digital direct-to-consumer (website, news blog noticias.acunsa.es) with traditional channels (television, radio, print, billboards, bus advertising). The company publishes annual financial and solvency reports for years 2021–2025 and adheres to the UNESPA Code of Conduct for personal data processing.

Name

ACUNSA

Legal name

ASISTENCIA CLÍNICA UNIVERSITARIA DE NAVARRA S.A. DE SEGUROS Y REASEGUROS

Website

https://acunsa.es

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

ACUNSA is a Spanish private health insurance company affiliated with Clínica Universidad de Navarra. It offers six policy tiers from basic outpatient care to worldwide reimbursement and exclusive CUN hospitalization, distributed via direct online, phone, and intermediary channels in Spain.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Off-Exchange Individual Major Medical Plans (FSAIAEAB)

akta.pro secondary industries

Primary Care & General Medicine Virtual Care (HLALAAAA), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Health insurance
• Medical coverage
• Hospitalization policies
• Reimbursement insurance
• Clinical trial coverage

Headquarters

HQ city

Pamplona

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: ACUNSA generates revenue primarily through recurring health insurance premiums paid by individual, family, and corporate policyholders. The company offers multiple policy tiers (Smart, Confort, Global, First, Premium, Alta Especialización Élite) with pricing varying by age, province, and coverage level. Premiums are billed on monthly, quarterly, semi-annual, or annual cycles.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

ACUNSA is a Spanish health insurance company offering a portfolio of six tiered health insurance policies ranging from basic outpatient coverage to worldwide reimbursement and exclusive hospitalization at Clínica Universidad de Navarra (CUN). The company also provides a proprietary telemedicine platform for remote consultations to insured members, and covers therapies in clinical trials as a unique differentiator.

Product overview

ACUNSA offers a portfolio of health insurance products centered on its partnership with Clínica Universidad de Navarra. The product lineup consists of two main categories: (1) Asistencia Sanitaria policies providing medical assistance through a national medical network of over 35,000 specialists, including Póliza Smart (basic consultations), Póliza Confort (comprehensive assistance), Póliza Global (80-90% reimbursement), and Póliza First (100% worldwide reimbursement); and (2) Hospitalization policies with exclusive coverage at Clínica Universidad de Navarra, including Póliza Premium and Alta Especialización Élite for complex pathologies. Additionally, Pólizas para Empresas (business/group policies) are available for corporate clients. An integrated telemedicine service enables remote consultations for insured members.

Differentiator

Problem solved

Functional benefit

Brands

• ACUNSA Smart: Póliza de asistencia sanitaria y cuadro médico nacional.
• ACUNSA Confort
• ACUNSA Global
• ACUNSA First
• ACUNSA Premium (Hospitalización)
• Alta Especialización Élite (AEÉ)

Products and services

• Póliza Smart Basic outpatient health insurance policy providing access to ACUNSA's national medical provider network and outpatient consultations across Spain.
• Póliza Confort Comprehensive outpatient health insurance policy positioned as ACUNSA's most complete outpatient care product, providing access to the national medical provider network.
• Póliza Global Reimbursement health insurance policy that returns 80%-90% of covered medical expenses and provides access to ACUNSA's national medical provider network.
• Póliza First Premium reimbursement health insurance policy offering maximum coverage with 100% reimbursement of covered medical expenses anywhere in the world.
• Póliza Premium (Hospitalización) Hospitalization-focused health insurance policy offering maximum hospital guarantees at Clínica Universidad de Navarra, with proximity medical consultations and free coverage for children.
• Alta Especialización Élite (AEE) Unique health insurance policy targeting the most difficult-to-cure pathologies, with exclusive coverage at Clínica Universidad de Navarra and access to advanced treatments including clinical trial therapies.
• Pólizas para Empresas y Colectivos Group health insurance policies designed for companies and professional collectives to provide health coverage as an employee benefit.

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Clínica Universidad de Navarra (CUN)coreStrategic or Co-development PartnerACUNSA's defining partnership is with Clínica Universidad de Navarra (CUN), one of Spain's leading private hospitals. CUN serves as the exclusive provider for ACUNSA's hospitalization and high-complexity treatment policies. This partnership provides ACUNSA with unique access to advanced medical technology, complex surgeries, and clinical trial therapies not available at standard hospitals. ACUNSA's most distinctive policies (Premium, Alta Especialización Élite) offer exclusive hospitalization coverage at CUN.
• UNESPA (Asociación Empresarial del Seguro)minorOthersACUNSA adheres to the UNESPA Code of Conduct for personal data processing in the insurance sector. The company publishes the UNESPA insurer letter on its website and has received a data privacy certification from UNESPA.
• CIMA (Centro de Investigación Médica Aplicada)minorStrategic or Co-development PartnerCIMA is mentioned alongside Clínica Universidad de Navarra as a collaborator in medical research and development. ACUNSA's privacy policy references informing clients about economic support projects for clinical and scientific research developed in collaboration with CIMA and Universidad de Navarra.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Adeslas: Adeslas is one of Spain's leading private health insurers (backed by SegurCaixa Adeslas and Mutua Madrileña), offering individual, family, and corporate health policies with a broad national cuadro médico — directly competing with ACUNSA in the Spanish consumer and group health market.
• DKV Seguros: DKV (part of ERGO/Munich Re group) sells individual and company health insurance in Spain through a national provider network and digital channels, including telemedicine — a direct comparable to ACUNSA in product breadth and target customers.
• Asisa: Asisa is a Spanish mutual health insurer offering individual, family, and collective policies with a national provider network, including its own hospital infrastructure — directly comparable to ACUNSA in product structure and Spanish-market focus.
• Sanitas: Sanitas is the largest private health insurer in Spain (part of Bupa) and offers individual, family, and company health insurance with a national provider network, telemedicine, and reimbursement options — directly comparable to ACUNSA across nearly every product tier.
• Caser Seguros: Caser is a Spanish multi-line insurer with a meaningful health-insurance book (Caser Salud) covering individuals, families, and companies with national provider networks — a direct competitor to ACUNSA in the Spanish private health-insurance segment.

Broad incumbents

• Generali Seguros España: Generali offers health insurance products in Spain (Generali Salud) within a broader multi-line portfolio — competes with ACUNSA on individual and corporate health, but does not specialize in ACUNSA's high-complexity hospital niche.
• AXA Seguros España: AXA's Spanish subsidiary offers health insurance (AXA Salud) for individuals, families, and companies alongside a much wider portfolio — comparable product overlap with ACUNSA but operates as part of a global multi-line insurer.
• Mapfre Salud: Mapfre is Spain's largest general insurer with a sizeable health-insurance division offering individual and company policies — overlaps with ACUNSA's product set but is broader and more diversified geographically and by line of business.

Others

• Bupa (Sanitas parent): Bupa owns Sanitas and operates health insurance and provider businesses globally; relevant as the international group backing ACUNSA's largest direct peer and as a potential strategic partner or acquirer given ACUNSA's niche positioning.

Emerging players

• Cigna España: Cigna offers international and expatriate-focused health insurance in Spain with reimbursement and provider-network options — overlaps partially with ACUNSA's Global/First reimbursement tiers and corporate business, but with a different customer focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/acunsa
• LinkedInlinkedin.com/company/acunsa

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 ACUNSA