UNION DE MUTUAS M. DE A.T. Y E.P. DE LA S.S. N 267

What UNION DE MUTUAS M. DE A.T. Y E.P. DE LA S.S. N 267 does

Unión de Mutuas, Mutua colaboradora con la Seguridad Social N.º 267, is a non-profit mutual association headquartered in Castellón de la Plana, Spain, that collaborates with the Spanish Social Security system under the supervision of the Ministerio de Inclusión, Seguridad Social y Migraciones. Formed between 1990 and 2004 through the integration of 16 prior Mutuas de Accidentes de Trabajo, it manages work accident insurance, occupational disease coverage, temporary disability benefits (both occupational and common contingencies), preventive occupational health services, and cessation-of-activity protection for self-employed workers across the entire Spanish territory. The organization serves three principal segments: affiliated member companies (empresas asociadas), self-employed/autonomous workers who voluntarily adhere (autónomos adheridos), and protected workers as ultimate beneficiaries of healthcare and economic benefits.

Its service portfolio rests on a physical care network comprising the specialized Instituto de Traumatología, rehabilitation units, and medical centers across Spain, complemented by a digital service stack that includes the MOL 4.0 enterprise/advisor portal, the Patient Portal, a mobile care-network map app, virtual visits (telehealth), and the 24-hour assistance line (900 100 692). Underlying ICT systems are certified at ENS High level and operate under ISO 27001 and ISO 27701 frameworks. Additional products include the Sistema Delt@ electronic accident declaration system, Bibliomutua digital knowledge library, Escuela Virtual de Espalda, and the Podcast series distributed via Spotify.

The business model is non-commercial: member companies pay mandatory Social Security contributions (cuotas), a portion of which is allocated by the Social Security administration to the mutual for managing statutory services. Surpluses revert to the Social Security Reserve Fund and are not distributable as profit. Distribution is hybrid — physical care centers plus self-service digital platforms and field engagement with member companies and collaborating labor advisors (gestorías). Member acquisition is governance-driven rather than commercially solicited; pricing is not publicly disclosed. The organization employs 501–1,000 staff and is currently expanding content channels (podcasts, Bibliomutua) and digital tooling (QR emergency response, MOL 4.0) rather than pursuing traditional revenue growth.

Name

UNION DE MUTUAS M. DE A.T. Y E.P. DE LA S.S. N 267

Legal name

UNIÓN DE MUTUAS, mutua colaboradora con la Seguridad Social n.º 267

Website

https://uniondemutuas.es

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Unión de Mutuas is a non-profit Spanish mutual (MCSS N.º 267) that collaborates with the Social Security system to manage work accident insurance, occupational disease coverage, temporary disability benefits, and preventive occupational health services for affiliated member companies, self-employed workers, and protected workers across Spain.

Ownership category

akta.pro rank

Product category

Occupational Health Insurance & Social Security Management

NAICS

Health and Welfare Funds (525120)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Occupational Accident Insurance (1099/Contractor Coverage) (FSAIALAF)

akta.pro secondary industries

Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK), Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

Keywords

• Occupational health services
• Work accident insurance
• Temporary disability management
• Mutual insurance association
• Preventive occupational health

Headquarters

HQ city

Castellón

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Social Security Contribution Management: As a non-profit mutual collaborating with Social Security, Unión de Mutuas does not generate revenue in the traditional commercial sense. Member companies pay mandatory contributions (cuotas) to the Social Security system, a portion of which is allocated to the mutual for managing work accident insurance, occupational disease coverage, and related healthcare. Surpluses revert to the Social Security Reserve Fund and are not distributed as profits.

Go-to-market motion2 records

Distribution channels6 records

Marketing channels11 records

Core offering

Unión de Mutuas is a non-profit mutual insurance association that collaborates with the Spanish Social Security system to manage work accident insurance, occupational disease coverage, temporary disability benefits, and preventive occupational health services for member companies and protected workers. Services are delivered through a nationwide network of care centers (including a specialized Traumatology Institute and rehabilitation facilities), a 24-hour assistance line, and digital platforms (MOL 4.0 for companies, Patient Portal, mobile app, virtual visits). Member companies pay mandatory Social Security contributions; surpluses revert to the Social Security Reserve Fund rather than distributed as profit.

Product overview

Unión de Mutuas MCSS N.º 267 is a mutual insurance collaborative entity with the Spanish Social Security system that provides a comprehensive portfolio of occupational health and social security management services. The core offerings include Mutua On Line 4.0 (enterprise and advisor digital platform) and the Portal del Paciente (patient portal) for online service access, supported by specialized healthcare services through the Instituto de Traumatología, Rehabilitation units, and a 24-hour assistance line. The organization delivers virtual consultations via Visitas Virtuales, maintains a digital knowledge resource through Bibliomutua and the Portal de Seguridad y Salud, and offers wellness programs such as the Escuela Virtual de Espalda. Regulatory compliance is supported through Sistema Delt@ for electronic accident reporting and dedicated incapacity management services. The entity also provides digital participation channels and educational content through its podcast series.

Differentiator

Problem solved

Functional benefit

Products and services

• Occupational Health Assistance (Asistencia Sanitaria) Comprehensive healthcare services for work accidents and occupational diseases for protected workers of member companies and self-employed adherents, delivered through the mutual's nationwide care network. Includes medical care, specialized units, and follow-up.
• Temporary Disability Management (Gestión de Incapacidad Temporal) Management of temporary incapacity processes for both occupational and common contingencies, including medical leave monitoring, payment administration, and coordination with the Social Security System (Sistema RED).
• Instituto de Traumatología Unión de Mutuas Specialized traumatology institute providing advanced diagnostic, treatment, and rehabilitation services for work-related orthopedic and musculoskeletal injuries. Functions as a center of excellence within the organization's care network.
• Rehabilitation Services (Rehabilitación) Physical therapy, occupational therapy, and specialized recovery programs for patients recovering from work injuries, provided through the mutual's care network.
• Virtual Visits (Visitas Virtuales) Telehealth service enabling remote medical consultations, expanding access beyond physical centers and enabling continuity of care for patients who cannot attend in person.
• 24-Hour Assistance Line (Línea Asistencial 24h) Round-the-clock telephone assistance line (900 100 692) for emergencies, process guidance, and immediate support for member companies and workers, complementing digital and physical distribution channels.
• Mutua On Line 4.0 (MOL 4.0) Digital self-service platform for member companies and collaborating advisors to manage administrative procedures, view care maps, request certificates, and monitor Social Security processes.
• Patient Portal (Portal Pacientes) Online patient portal allowing workers and patients to access medical records, schedule appointments, view rehabilitation plans, and communicate with healthcare providers.
• Preventive Occupational Health Activities (Actividades Preventivas con cargo a cuotas) Preventive occupational health services funded by contributions, including workplace safety guidance, training, and the Portal de Seguridad y Salud resources for member companies and workers.

Quantifiable outcome

• Integration of 16 Mútuas de Accidentes de Trabajo into a single entity (1990–2004)
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability1 record

Feature7 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Other Mutuas Colaboradoras (Mutual Insurance Companies)coreOthersUnión de Mutuas maintains formal collaboration agreements with other mutual insurance companies (Mutuas Colaboradoras con la Seguridad Social) for reciprocal healthcare provision when member workers require care outside the organization's direct service area. These agreements enable portability of care coverage across the mutual network.
• Ministry of Inclusion, Social Security and Migration (Ministerio de Inclusión, Seguridad Social y Migraciones)coreOthersAs a mandated mutual (Mutua Colaboradora con la Seguridad Social No. 267), the organization operates under the direction and tutelage of the Ministry of Inclusion, Social Security and Migration. The Ministry authorizes its establishment, registers it in the Special Registry, and oversees its operations as part of the public Social Security system.
• FisiomutuaminorOthersFisiomutua is referenced as a partner through a banner/link on the Unión de Mutuas website, suggesting a collaborative relationship in physiotherapy and rehabilitation services within the care network.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Ibermutua: Spanish mutua colaboradora managing occupational contingencies and temporary disability. Comparable in regulatory structure, service portfolio, and member-company service model.
• Solimat: Smaller regional mutua colaboradora (Castilla-La Mancha) with the same mandate and service portfolio as Unión de Mutuas, useful as a regional scale comparison.
• MC Mutual: Mutua colaboradora with strong SME focus, providing the same Social Security-mandated portfolio of work accident, occupational disease, and temporary disability services. Directly comparable operating model and customer segments.
• ASEPEYO: Spanish mutua colaboradora with national coverage managing work accidents, occupational diseases, and temporary disability. Comparable in scale, geographic scope, and the Social Security collaboration framework.
• Mutua Universal: Largest Mutua colaboradora con la Seguridad Social in Spain, directly comparable in mandate, services, and customer base (member companies, self-employed, protected workers). Operates the same occupational accident, occupational disease, and temporary disability management portfolio.
• FREMAP: Major Spanish mutua colaboradora specializing in workplace accident and occupational disease coverage. Directly comparable service portfolio and member-company affiliation model; one of the leading mutuas by member volume.
• Mutua Madrileña: Madrid-based mutua colaboradora with automotive sector heritage; offers the same regulated portfolio plus auto insurance. Comparable in Social Security mandate and member-company affiliation model.
• Mutualia: Mutua colaboradora with northern Spain concentration, offering the same Social Security-mandated portfolio. Comparable in operating model and target customer segments.

Regional players

• Cesma Mutua: Andalusian mutua colaboradora; operates the same Social Security mandate in a different regional territory, useful as a regional benchmark for care-network density and digital adoption.

Broad incumbents

• Sanitas: Major Spanish private health insurer (BUPA subsidiary) offering occupational health, telehealth, and rehabilitation services that overlap with Unión de Mutuas's preventive and rehabilitation portfolio — represents commercial encroachment in adjacent services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@uniondemutuasmcssn.o2673
• LinkedInlinkedin.com/company/union-de-mutuas
• Instagraminstagram.com/uniondemutuas_
• Xx.com/uniondemutuas

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 UNION DE MUTUAS M. DE A.T. Y E.P. DE LA S.S. N 267