hna

What hna does

hna (Hermandad Nacional de Arquitectos, Arquitectos Técnicos y Químicos, Mutualidad de Previsión Social) is a Spanish mutual benefit society founded in 1940, operating under DGSFP registration P3028 and Solvency II regulation. It serves four professional collectives — architects, technical architects, chemists, and administrative managers — offering health insurance (Asistencia Ambulatoria, Asistencia Sanitaria Base/Plus, Reembolso, Dental, Más 60, OncoAyuda), savings and investment products (Flexiplan, Ahorraplan, SIALP 5-year, Unit Linked), pension plans, life and home insurance, and the Sistema de Previsión Personalizado (SPP) as a regulated alternative to Spain's RETA self-employed social security regime.

The technology stack centers on a digital service platform with an iOS/Android mobile app (hna App), an online Área Privada client portal, digital medical authorizations, videoconsultations, and the hnaCARE wellness service offering up to 40% discounts on ancillary health services through a network of 45,500+ specialists and 1,600+ medical centers. Distribution is omnichannel but domestic-only: phone-based Servicio de Atención Telefónica, the app and portal, two physical offices (Madrid HQ, Barcelona regional), and direct engagement through professional colleges and associations such as CSCAE.

Revenue is generated through recurring insurance premiums (health, life, savings, pensions), SPP contributions (both periodic quotas and single premiums), and ancillary product fees. FY2025 cifra de negocio reached €705.4M, with €5,356M in total assets and €399.7M in own funds — making hna the second-largest professional mutual in Spain by own funds. Growth is concentrated in savings single premiums (+20% YoY) and extraordinary SPP contributions (+16%), reflecting deeper monetization of the existing vertical rather than geographic or segmental expansion.

Name

hna

Legal name

Hermandad Nacional de Arquitectos, Arquitectos Técnicos y Químicos, Mutualidad de Previsión Social

Website

https://hna.es

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

101–250 employees

Short description

hna is a Spanish mutual benefit society serving architects, technical architects, chemists, and administrative managers with health insurance, savings, pensions, and a regulated alternative to RETA self-employed social security, reporting €705.4M in 2025 business volume across 277,000+ insured members.

Ownership category

akta.pro rank

Headquarters

HQ city

Hortaleza

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Health Insurance: Health insurance products including Asistencia Ambulatoria, Asistencia Sanitaria, and Reimbursement products, with premiums collected monthly
2. Insurance Premiums - Life and Savings: Life insurance, savings plans (Flexiplan, Ahorraplan, Plan Ahorro Eficiente 5, Unit Linked), and pension plans generating premium income
3. SPP Contributions - Social Welfare System: Sistema de Previsión Personalizado (SPP) contributions from self-employed professionals as alternative to RETA, including both periodic quotas and single premiums

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

hna is a Spanish professional mutual benefit society that designs, underwrites, and distributes a portfolio of insurance, health, savings, and pension products to architects, technical architects, chemists, and administrative managers and their families. Its flagship offering, the Sistema de Previsión Personalizado (SPP), serves as an exclusive alternative to Spain's RETA self-employed social security regime, complemented by health insurance, savings plans, life and home insurance, and a senior-focused 'Generación Platino' line. Distribution is supported by professional college channels, an online private client area, a mobile app, video consultations, and a nationwide medical provider network.

Product overview

hna (Hermandad Nacional de Arquitectos, Arquitectos Técnicos y Químicos) is a mutual benefit society offering a comprehensive portfolio of insurance and financial products. The core offering includes health insurance products (Asistencia Ambulatoria, Asistencia Sanitaria Base/Plus, Reembolso Base/Plus, hna Dental, hna Más 60, OncoAyuda) alongside savings and investment products (Flexiplan, Ahorraplan Personal/Junior/Joven, Plan de Ahorro Eficiente 5, Unit Linked Selección). hna also provides unique social security alternatives for self-employed professionals through its Sistema de Previsión Personalizado (SPP) with Plan Alternativo and Plan Complementario options. Additional services include the hnaCARE wellness platform and the hna mobile app. The company operates under Solvency II regulation and serves architects, technical architects, chemists, administrative managers, students, and individuals.

Differentiator

Problem solved

Functional benefit

Brands

• hnaCARE: A service included in all hna health insurance policies offering up to 40% discount on wellness, aesthetic medicine, and alternative therapy services.
• SPP (Sistema de Previsión Personalizado)
• Plan Alternativo
• Plan Complementario
• OncoAyuda

Products and services

• Asistencia Ambulatoria Outpatient medical assistance covering general medicine, specialists, and diagnostic tests without hospitalization or emergency services; copayments from €4 and annual limit of €200 per insured; from €26.87/month. Targeted at members seeking primary and specialist outpatient care.
• Asistencia Sanitaria (Base / Plus) Comprehensive health assistance including hospitalization and emergencies, available in Base (with copayments from €3, from €40/month) and Plus (without copays, from €47/month) variants. Targeted at members needing complete medical, hospital, and emergency cover.
• Productos de Reembolso (Base / Plus) Reimbursement health insurance allowing policyholders to visit any medical professional and recover 80-100% of costs depending on modality and service type; Reembolso Base from €53/month and Reembolso Plus from €60/month. Targeted at members who want freedom to choose any provider.
• hna Dental Dental insurance providing access to a network of dentists with approximately 70 free services and discounts up to 50% on remaining treatments, priced at €5.60/month. Targeted at members seeking affordable preventive and routine dental care.
• hna Más 60 Specialized health insurance for members over 60 years old offering unlimited general medicine consultations without copayments, specialist visits, and rehabilitation services for €22/month. Targeted at senior members in the 'Generación Platino' segment.
• hnaCARE Wellness service platform included with hna health policies offering up to 40% discounts on wellbeing services including optics, physiotherapy, sports medicine, genetic tests, aesthetic medicine, and alternative therapies. Targeted at health policyholders seeking preventive and complementary wellness benefits.
• OncoAyuda Cancer-specific insurance providing prevention through medical checkups, access to health and wellbeing services, and economic support with capital up to €100,000 upon diagnosis of invasive cancer; priced €10.57-€38.63/month depending on age. Targeted at members seeking financial protection against cancer diagnosis.
• Flexiplan One-year investment product starting from €3,000 with guaranteed returns up to 3.40%, allowing access to invested capital after the first quarter. Targeted at members seeking short-term, guaranteed-return savings.
• Ahorraplan Personal / Junior Monthly savings plan starting from €30/month with up to 3.30% guaranteed interest, accessible after 12 months, including life insurance coverage for beneficiaries in case of death of the policyholder. Personal and Junior variants for adults and children. Targeted at members seeking recurring long-term savings with life cover.
• Ahorraplan Joven Flexible quarterly savings plan from €15/quarter with up to 3.15% guaranteed interest, allowing adaptation of quarterly contributions and extraordinary contributions. Targeted at younger members and students starting their savings journey.
• Plan de Ahorro Eficiente 5 (SIALP) Five-year long-term savings plan registered as a SIALP, with returns up to 3.10% and tax exemptions on generated returns when capital is maintained for 5 years, with a maximum annual contribution of €5,000. Targeted at members seeking tax-advantaged medium-term savings.
• Unit Linked Selección Investment-linked insurance connected to four investment baskets (Deuda Pública, Tranquilidad, Equilibrio, Dinámica) allowing diversification based on investment horizon, profitability expectations, and risk level. Targeted at members seeking market-linked investment exposure through an insurance wrapper.
• Plan Alternativo SPP (Sistema de Previsión Personalizado) Alternative social security system for self-employed architects, technical architects, chemists, and administrative managers providing all mandatory coverages (retirement, permanent disability, death, temporary incapacity, maternity/paternity) as an alternative to Spain's RETA, with flexible quotas from €64/month for young mutualists. Targeted at self-employed professionals seeking an exclusive alternative to RETA.
• Plan Complementario SPP Supplementary pension plan for professionals already in RETA, offering tax advantages with contributions up to €5,750 annually and creating a personal, flexible, and non-transferable retirement fund. Targeted at RETA-registered self-employed and employed professionals seeking additional tax-advantaged retirement savings.
• Plan de Pensiones Pension plan for retirement savings available to architects, chemists, administrative managers, and other members with various investment options. Targeted at members seeking tax-advantaged long-term retirement accumulation.
• Seguro de Vida Life insurance providing financial protection for beneficiaries in case of death of the policyholder. Targeted at members and their families seeking death-benefit protection.
• Seguro de Hogar Home insurance coverage protecting against property damage and liability risks. Targeted at members and families seeking protection for their primary residences.

Quantifiable outcome

• Returns of 5.13% on retirement funds with €132.7M in benefit participation for 2025
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• CSCAE (Consejo Superior de los Colegios de Arquitectos de España) - Observatorio 2030coreStrategic or Co-development Partner · 4 February 2026hna joined as sponsor of the CSCAE's Observatory 2030 initiative to drive actions improving health and wellbeing of people by connecting health and architecture. The partnership involves collaboration in strategic projects, proposing programs, and offering activities that contribute to healthier environments. The Observatory works on health axis projects promoting reports and initiatives related to social, environmental, and economic benefits from building design.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SegurCaixa Adeslas: Spain's largest health insurance provider, offering similar health insurance products (outpatient assistance, hospitalization, reimbursement) to hna but at greater scale and broader customer reach across individuals and groups.
• Caser: Spanish insurance company offering health, life, home, and savings products with similar multi-line insurance offerings to hna, competing in the Spanish professional, family, and senior segments.
• DKV: Spanish health insurance specialist offering similar product categories (assistance, dental, reimbursement) with comparable provider network and pricing structure to hna's health insurance portfolio.
• Previsión Sanitaria Nacional (PSN): Spanish professional mutual for healthcare professionals offering comparable social security alternatives, health insurance, and savings products to its professional collective—mirroring hna's structure and product mix for a different profession.
• Asisa: Spanish health insurer offering comparable health insurance products and provider networks, competing in similar segments including professional collectives and family units across Spain.
• Mutua Madrileña: Spanish mutual insurance company offering a broad portfolio of life, health, auto, and home insurance products, comparable to hna as a Spanish mutual with multi-line insurance offerings and similar mutual governance model.
• Mutualidad de la Abogacía: Spanish professional mutual for lawyers offering similar RETA-alternative social security coverage, savings plans, and insurance products targeted at a specific professional collective—structurally parallel to hna's mutual model.
• Mupiti: Spanish professional mutual society for technical engineers and graduates, structurally similar to hna as a profession-specific mutual offering social security alternatives (RETA substitutes), savings, and insurance products to a defined professional collective.
• Sanitas: Major Spanish health insurer (BUPA subsidiary) offering comparable health insurance products including outpatient, hospitalization, dental, and reimbursement options targeting professional and individual segments with similar product structure to hna.

Broad incumbents

• Mapfre: Spain's largest insurance group operating across life, health, auto, and home insurance—a broader portfolio than hna but competing directly in many of the same product categories including health and life.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/hna_mutualidad
• Xtwitter.com/hna_es
• Facebookfacebook.com/hnajovenesarquitectos
• Instagraminstagram.com/hna_mutualidad
• YouTubeyoutube.com/channel/hna

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 hna