Premaat
- Company typePrivate
- Founded1940
- HeadquartersMadrid, Spain
- Headcount11–50
- GTM typeB2C
- OfferingServices
Premaat firmographics
Firmographics- Name
- Premaat
- Legal name
- Hermandad Nacional de Arquitectos, Arquitectos Técnicos y Químicos, Mutualidad de Previsión Social
- Website
- https://premaat.es
- Company type
- Private
- Founded year
- 1940
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where Premaat is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
Premaat business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- SPP Contributions (Sistema de Previsión Personalizado): Mutualists make periodic contributions to their personal pension funds (SPP Alternativo or SPP Complementario). These contributions provide coverage for retirement, disability, temporary incapacity, maternity/paternity, and death. The society operates on individual capitalization where each mutualist's contributions build a personal, flexible, and non-transferable fund.
- PPA (Plan de Previsión Asegurado): PPA Fórmula Futuro is a savings insurance plan with monthly savings from 30 euros and up to 2.10% net interest. Provides retirement savings with guaranteed minimum returns of 0.50% plus quarterly additional interest.
- Health Insurance: Health products including medical coverage, dental services, and hnaCARE wellness platform providing aesthetic medicine and alternative therapies with up to 40% discounts.
- Property and Personal Insurance: Personal insurance including life insurance and property insurance (home insurance). Collective insurance products also offered.
- Savings Products: Various savings products including AhorraPlan (personal or junior) with monthly contributions from 50 euros, Plan de Ahorro Eficiente 5 (SIALP), and Unit Linked Selection investment products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SPP Complementario - Multiple coverage options for RETA members and employees |
| Subscription | Monthly | PPA Fórmula Futuro - Retirement savings plan with guaranteed returns |
| Subscription | Monthly | SPP Complementary with promotional discounts |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Premaat product offering
Product offeringCore offering
Premaat is a Spanish mutual benefit society that provides pension, insurance, and social welfare products primarily for Technical Architecture professionals, architects, and chemists. Its core offering is the Sistema de Previsión Personalizado (SPP), an alternative or complement to the Spanish Self-Employed Regime (RETA), built on individual capitalization rather than collective redistribution. Supplementary offerings include the PPA Fórmula Futuro insured pension plan, health insurance, serious illness coverage, personal and property insurance, savings products, and the hnaCARE wellness platform.
Product overview
Premaat (Hermandad Nacional de Arquitectos, Arquitectos Técnicos y Químicos) is a mutual benefit society (Mutualidad de Previsión Social) offering a comprehensive range of insurance and pension products primarily for architects, technical architects, and chemists in Spain. The core products are the SPP (Sistema de Previsión Personalizado) in two variants: SPP Alternativo serves as an alternative to the Spanish Self-Employed Regime (RETA) for autonomous professionals, while SPP Complementario supplements public pensions for employees and self-employed alike. Supporting products include the PPA Fórmula Futuro pension plan, health insurance, serious illness coverage, personal insurance (life, accidents), property insurance (home), collective insurance, savings products (AhorraPlan, Plan de Ahorro Eficiente 5/SIALP), and Unit Linked investment products. Additional services include hnaCARE wellness platform and a mobile app for digital account management.
Differentiator
Problem solved
Functional benefit
Brands
- PPA Fórmula Futuro: Plan de Previsión Asegurado (insured pension plan) offering savings from 30 euros/month with up to 2.10% net interest.
- SPP (Sistema de Previsión Personalizado)
- hnaCARE
- CONECTA by hna
- Generación Platino
Products and services
- SPP Alternativo (Sistema de Previsión Personalizado Alternativo)
Quantifiable outcome
- 3.3% average historical return on SPP contributions
- +5 more outcomes
Companies that use Premaat
Customer profileSegments4 records
Ideal customer profiles3 records
Premaat technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Premaat partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights6 records
Premaat competitors and assessment
Company assessmentBroad incumbents
- Allianz Spain: Spanish subsidiary of global insurer Allianz, offering unit-linked, pension plans, and life insurance that compete with Premaat's PPA Fórmula Futuro and SPP offerings, particularly for higher-net-worth technical architects.
- Mapfre: Spain's largest insurance group, offering pensions, life, health, and home insurance across Spain. Competes with Premaat in nearly every product category but as a diversified incumbent rather than a profession-specific mutual.
- Mutua Madrileña: Larger Spanish mutual insurer with a diversified product portfolio (auto, home, life, health, pensions) and broader customer base, competing with Premaat in overlapping insurance categories but at materially larger scale.
- Sanitas: Major Spanish health insurer (part of Bupa) competing directly with Premaat's health insurance and hnaCARE wellness offerings, though serving a much broader customer base and operating as a for-profit insurer.
Direct peers
- Mutualidad de la Abogacía: Spanish mutual for lawyers operating under the same DGSFP/Solvency II framework, providing RETA alternative and complementary pension products — the closest parallel to Premaat's professional mutual model.
- Mupiti: Spanish mutualidad serving technical industrial engineers, structurally analogous to Premaat: profession-specific mutual benefit society authorized by DGSFP offering RETA alternative and complementary pension products.
- Mutualidad de Procuradores de los Tribunales de España: Spanish mutual benefit society for court representatives (procuradores), operating under the same DGSFP framework as Premaat with parallel RETA alternative and complementary pension offerings for another closed profession.
- Hogar Mútua: Spanish mutualidad focused on household and family welfare products, sharing the mutual benefit society structure and DGSFP supervision, with overlapping pension and personal insurance offerings.
- Previsión Sanitaria Nacional (PSN): Spanish mutual benefit society for healthcare professionals offering pension, life, and health insurance products. Same regulatory framework and target-segment logic as Premaat but addressing the medical profession.
Regional players
- MACSF: French mutual insurance company serving medical professionals with pension, savings, and insurance products — structurally analogous to Premaat but operating in France rather than Spain.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Premaat social profiles
Digital presencePremaat compliance and trust
Trust signalCompliance2 records
Premaat financial estimates
Financial estimateRevenue estimate
Valuation estimate
Premaat leadership team
Management profileNumber of profiles
Premaat subsidiaries and ownership
Company hierarchySubsidiaries2 records
Premaat funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Premaat M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Premaat
What does Premaat do?
Premaat is a Spanish mutual benefit society that provides pension, insurance, and social welfare products primarily for Technical Architecture professionals, architects, and chemists. Its core offering is the Sistema de Previsión Personalizado (SPP), an alternative or complement to the Spanish Self-Employed Regime (RETA), built on individual capitalization rather than collective redistribution. Supplementary offerings include the PPA Fórmula Futuro insured pension plan, health insurance, serious illness coverage, personal and property insurance, savings products, and the hnaCARE wellness platform.
Is Premaat a public or private company?
Premaat is a private company. It is classified as management employee owned and is currently operating.
When was Premaat founded?
Premaat was founded in 1940. It employs 11 to 50 people.
Where is Premaat based?
Premaat is headquartered in Madrid, Spain, in the Europe region.
How does Premaat make money?
Five revenue lines are on record. SPP Contributions (Sistema de Previsión Personalizado) is the primary driver. The others are PPA (Plan de Previsión Asegurado), health Insurance, property and Personal Insurance and savings Products.
Who are Premaat's main competitors?
Broad incumbents on record are Allianz Spain, Mapfre, Mutua Madrileña and Sanitas. Direct peers are Mutualidad de la Abogacía, Mupiti, Mutualidad de Procuradores de los Tribunales de España, Hogar Mútua and Previsión Sanitaria Nacional (PSN). MACSF is listed as a regional player.
Does Premaat have an API?
No public API is recorded for Premaat.