Previsora General

What Previsora General does

Previsora General is a non-profit mutual benefit society (Mutualidad de Previsión Social a Prima Fija) founded in 1930 and headquartered in Barcelona, Spain. The company provides private health, life, accident, death/burial, and collective insurance products to three core segments: individuals and families (Particulares), self-employed professionals (Autónomos), and businesses (Empresas). Over 400,000 individuals are insured across the portfolio, with the Previsalud medical network providing access to more than 40,000 medical professionals and centers across all Spanish provinces. The mutualist ownership model differentiates the company from commercial insurers: policyholders are part-owners and profits are reinvested in member services rather than distributed as dividends.

The product portfolio includes entry-level health plans starting at €35/month and family plans from €46/month, both with no copayments; Plus and Premium tiers for self-employed workers providing daily illness/accident subsidies with tax-deductible premiums; and collective life, accident, and Convenio Colectivo products for businesses meeting labor agreement obligations. Supporting technology includes an online quote calculator, a digital policy management portal (Área Privada), a telemedicine application for remote consultations, and minor integrations with Microsoft (cloud), Signaturit (e-signature), and Tecsens (VoIP).

The company operates a sales-led go-to-market model combining digital acquisition (website quote flows, content marketing, social media) with phone sales via a contact center, free callback scheduling, and a network of insurance mediators (brokers) for enterprise channels. Distribution is exclusively domestic to Spain, with no disclosed international expansion. The company is privately held under mutual ownership with no parent company, no venture capital or private equity investment, and no disclosed revenue.

Name

Previsora General

Legal name

PREVISORA GENERAL

Website

https://previsorageneral.com

Company type

Private

Founded year

1930

Operating status

Operating

Short description

Previsora General is a non-profit Spanish mutual insurance society offering health, life, accident, and collective insurance to individuals, self-employed professionals, and businesses, with 400,000+ insured members and access to 40,000+ medical providers across Spain.

Ownership category

akta.pro rank

Product category

Mutual Health and Life Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251), Insurance Agencies and Brokerages (524210)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Health insurance
• Life insurance
• Accident insurance
• Mutual insurance
• Collective insurance

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly subscription-based health insurance premiums for individuals, families, self-employed, and businesses. Premiums vary by coverage level (Basic from €35/month, Family from €46/month) with no copayments. Auto-renewal annually unless cancelled.
2. Collective Insurance Premiums: Group insurance policies for businesses including collective life insurance, accident insurance, and collective agreement insurance (Convenio Colectivo). Revenue generated through employer-paid premiums for employee coverage.
3. Self-Employed Insurance Premiums: Specialized insurance products for self-employed workers including daily subsidy for illness/accident, Plus and Premium tiers. Includes additional coverages for death capital, permanent disability, and hospitalization subsidies.
4. Life Insurance Premiums: Life insurance products for individuals and self-employed offering financial protection for families in case of death, with tax deduction benefits for self-employed.
5. Accident Insurance Premiums: Personal accident insurance providing financial security against unexpected events for individuals, families, and collectives.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Previsora General is a non-profit mutual benefit society (Mutualidad de Previsión Social) that sells private health, life, accident, and death/burial insurance products to individuals (Particulares), self-employed workers (Autónomos), and businesses (Empresas) across Spain. Its products include Basic and Family health insurance plans with no copayments, daily-subsidy insurance for self-employed professionals, and collective life, accident, and collective-agreement (Convenio Colectivo) insurance for companies, all backed by a network of over 40,000 medical professionals and centers.

Product overview

Previsora General is a non-profit mutual insurance company (Mutualidad de Previsión Social) offering a comprehensive portfolio of insurance products across three main segments: individuals (Particulares), self-employed workers (Autónomos), and companies (Empresas). For individuals, the company provides health insurance (Salud Básico and Salud Familias), life insurance, death/burial insurance, and accident insurance. For self-employed workers, it offers Plus and Premium health coverage plans with daily subsidies for illness/accident, plus life and accident insurance. For companies, Previsora General provides collective agreements insurance, collective life insurance, and collective accident insurance. All products are designed as alternatives to traditional insurance, with profits reinvested into services for mutual members. The company operates a network of over 40,000 medical professionals and specialists across Spain.

Differentiator

Problem solved

Functional benefit

Brands

• Previsalud: The health insurance brand of Previsora General, offering health coverage with no copays and access to over 40,000 medical professionals and centers.

Products and services

• Seguro de Salud Básico Particulares Entry-level individual health insurance offering general medicine, specialist consultations, diagnostic tests, home emergencies, pregnancy preparation and follow-up, physiotherapy, rehabilitation, podiatry, medical phone guidance, and international travel assistance, with no copayments.
• Seguro de Salud Familias Comprehensive family health insurance covering all Basic plan benefits plus hospitalization, surgical interventions, chemotherapy, radiotherapy, special treatments, prostheses, and transplants, with no copayments and free dental services through Club AvantSalud.
• Seguro de Vida Particulares Life insurance for individuals designed to financially protect the policyholder's family in case of death.
• Seguro de Decesos Particulares Death/burial insurance for individuals providing financial protection and peace of mind for families in case of death.
• Seguro de Accidentes Particulares Personal accident insurance for individuals providing financial security against unforeseen accident events.
• PG Autónomos Plus Self-employed insurance guaranteeing a daily subsidy for illness and/or accident with pathology baremo limits, plus death capital, permanent total/absolute disability, daily hospitalization subsidy, and surgical intervention indemnity, with maximum tax deductibility.
• PG Autónomos Premium Premium-tier self-employed insurance guaranteeing a daily subsidy for illness and/or accident without pathology limits, with childbirth and pregnancy coverage included.
• Seguro Autónomos Vida Life insurance for self-employed workers combining family financial protection with tax savings through deductible premiums.
• Autónomos Accidentes Individual Individual accident insurance for self-employed workers providing accident-related financial coverage.
• Seguro Convenio Colectivo Empresas Comprehensive company insurance covering all benefits specified in collective agreements, guaranteeing cover for all registered workers including death by accident, great disability, permanent absolute disability, permanent total disability, and permanent disability with scale.
• Seguro de Vida Colectivo Empresas Collective life insurance for employers to protect against unexpected circumstances and guarantee employee peace of mind, with main coverage of death of the insured for any cause and complementary coverages for permanent total disability and death by traffic accident.
• Seguro de Accidentes Colectivo Empresas Group accident insurance providing coverage for any type of activity in business and associative contexts, including healthcare in contracted centers according to policy limits.

Quantifiable outcome

• Over 400,000 insured individuals trust Previsora General
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Club AvantSaludcoreStrategic or Co-development PartnerHealth and wellness club providing additional services to mutualists at special prices. Includes dental services, acupuncture, homeopathy, optics, hearing aids, physiotherapy, wellness treatments, and specialized services for elderly care. Integral complement to health insurance offerings.
• AvantSalud (PG Health)coreOthersRelated healthcare platform (pghealth.avantsalud.es) offering additional health services and prevention programs. Connected to Previsora General's ecosystem of health and wellness services.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Adeslas: Largest Spanish health insurer by policyholders (part of Mutua Madrileña group), offering individual, family, and employer-sponsored health insurance with the broadest medical network in Spain. Directly comparable product portfolio and customer segments to Previsora General.
• DKV Seguros: Spanish health insurance subsidiary of Munich Re offering individual, family, and business health plans with strong digital presence. Competes head-to-head with Previsora General in the no-copay, mid-tier health insurance segment.
• Fiatc Seguros: Catalonia-based Spanish mutualist insurer offering health, life, accident, and home insurance. Highly comparable to Previsora General in mutual structure, Catalan heritage, and overlapping product portfolio serving individuals and SMEs.
• ASISA: Spanish health insurance mutual society offering individual, family, and collective health products. Closest structural analog to Previsora General as a non-profit mutualist organization serving similar individual and enterprise segments.
• Sanitas: Spanish health insurance leader owned by BUPA, offering individual, family, and business health insurance with extensive medical networks. Direct competitor to Previsora General in the same individual/family/SME health insurance category across Spain.

Broad incumbents

• Generali Seguros: Major multi-line Spanish insurer (subsidiary of Italian Generali Group) with health, life, accident, and collective insurance offerings. Competes with Previsora General across multiple product lines but as a broad incumbent rather than mutualist specialist.
• AXA Seguros: Global insurer with substantial Spanish operations offering health, life, accident, and collective insurance. Competes across Previsora General's product portfolio but as a multi-line broad incumbent.
• Mutua Madrileña: Spanish mutualist insurer (parent of Adeslas) with broader multi-line offerings including health, life, auto, and home insurance. Comparable mutual non-profit DNA and overlapping customer base with Previsora General.
• Mapfre Salud: Largest Spanish insurer overall with a major health insurance vertical serving individuals, families, and enterprises. Competes with Previsora General but as part of a much broader multi-line portfolio rather than specializing in health/mutualist niche.

Regional players

• Catalana Occidente: Catalan-headquartered multi-line insurer with historical strength in the region and growing national presence across life, health, and casualty. Regional incumbent comparable to Previsora General in geographic heritage and segment focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/previsoraMPS
• YouTubeyoutube.com/channel/UC4fcOWRvVFCSDP8DomtAmug
• Facebookfacebook.com/PrevisoraGeneral
• LinkedInlinkedin.com/company/previsora-general-mutualidad-de-prevision-social-a-prima-fija
• Instagraminstagram.com/previsorageneral

Compliance1 record

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

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Previsora General