Mútuacat
Mútuacat is a non-profit Catalan health insurance mutual offering subscription-based private health plans (Tot Salut, LaMèdica), sports accident insurance, and a 24/7 telemedicine platform to individuals, families, self-employed, and businesses across Catalonia.
- Company typePrivate
- Founded1969
- HeadquartersManresa, Spain
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Mútuacat does
Mútuacat is a non-profit Catalan health insurance mutual (mútua de salut sense ànim de lucre) founded in 1969 and headquartered in Manresa, Spain. It provides private health insurance to individuals, families, self-employed professionals, and businesses in Catalonia, with a flagship 'Tot Salut' product line offered across TS Bàsic, TS Òptim, TS Complet, and TS Complet without copayment tiers, plus a digital-first 'LaMèdica' plan starting at €5.28/month. The company also sells sports accident and leisure insurance through dedicated federation and event partnerships, and a €4.75/month dental add-on.
The underlying technology stack centers on a telemedicine platform (telemedicina.mutuacat.cat) offering 24/7 video consultations, medical chat, and phone consultations in Catalan, with electronic prescriptions delivered via email and coverage across 10+ medical specialties. A searchable Medical Guide (Guia Mèdica) indexes providers by province, specialty, and center, and an online tarificador enables self-service pricing and contracting in under one minute. The company is also wrapping in adjacent services through wholly owned subsidiaries: Ara Mútua (insurance brokerage), Mutuacat Prevenció (prevention/occupational health), Mutuacat Formació (training), and Reanima Presaba (emergency/first aid).
The business model is subscription-based insurance premiums, with a solidarity pricing structure that flattens premiums from age 65. Distribution is multi-channel: direct-to-consumer via website, regional offices in Manresa, Barcelona, Girona, and Vic, partnerships with the four Catalan insurance broker colleges, and sports federation agreements. Revenue is reinvested into services per the non-profit mutual structure; the company has held the EthSI European ethical insurance seal and the XES Balanç Social certification for six consecutive years.
Mútuacat firmographics
Firmographics- Name
- Mútuacat
- Legal name
- Mútuacat
- Website
- https://mutuacat.cat
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mútuacat is a non-profit Catalan health insurance mutual offering subscription-based private health plans (Tot Salut, LaMèdica), sports accident insurance, and a 24/7 telemedicine platform to individuals, families, self-employed, and businesses across Catalonia.
- Ownership category
- akta.pro rank
Mútuacat industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Carriers, Nec (6399), Accident & Health Insurance (6321)
- akta.pro primary industry
- Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
Keywords
Where Mútuacat is headquartered
LocationHeadquarters
- HQ city
- Manresa
- HQ country
- Spain
- HQ region
- Europe
Offices4 records
Markets served
Mútuacat business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Health Insurance Premiums: Mútuacat operates as a non-profit mutual health insurer. All premiums collected from policyholders are reinvested into improving services for mutualists (members). Revenue comes from monthly/annual insurance premiums across various product tiers (LaMèdica, Tot Salut Bàsic, TS Òptim, TS Complet) for individuals, families, self-employed, and businesses.
- Sports and Leisure Insurance: Specialized accident and liability insurance products for sports federations, clubs, events, and leisure activities. Revenue from collective sports insurance policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | LaMèdica - Basic digital health plan |
| Subscription | Monthly | TS Bàsic - Basic health plan with specialist access |
| Subscription | Monthly | TS Òptim - Full coverage with copayment |
| Subscription | Monthly | TS Complet (Tot Salut Complet) - Premium no-copayment plan |
| Subscription | Annual | Telemedicine for businesses |
| Unit Pricing | Pay-as-you-go | Leisure insurance |
| Subscription | Monthly | Self-employed (Autònoms) |
| Subscription | Monthly | Tot Salut Dental |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Mútuacat product offering
Product offeringCore offering
Mútuacat is a non-profit Catalan health mutual insurance company that underwrites and distributes private health insurance products (Tot Salut tiers, LaMèdica, dental, and sports accident insurance) to individuals, families, self-employed, businesses, and sports federations in Catalonia and across Spain. The company complements its insurance policies with a 24/7 telemedicine platform offering video consultations, medical chat, and phone consultations in Catalan, and operates a network of regional offices and insurance broker partnerships for distribution.
Product overview
Mútuacat is a non-profit Catalan health insurance mutual that offers a comprehensive portfolio of health insurance products and telemedicine services. The core offering includes Tot Salut health insurance available in multiple tiers (TS Bàsic, TS Òptim, TS Complet, and Tot Salut Complet without copayment) and LaMèdica as an economical digital-first option. These are complemented by sports accident insurance under Assegurances d'Esport and a dental add-on (Tot Salut Dental). The Telemedicina service provides remote healthcare access via video, chat, and phone consultations, available both as a consumer service and a corporate offering (Telemedicina Corporativa) for employee wellness programs.
Differentiator
Problem solved
Functional benefit
Brands
- Ara Mútua: Insurance brokerage (correduria) of the Mutuacat group
- Tot Salut
- LaMèdica
- Mutuacat Prevenció
- Mutuacat Formació
Products and services
- Tot Salut (Comprehensive Health Insurance) Comprehensive health insurance for individuals and families offered in tiers (TS Bàsic from €24.13/month, TS Òptim from €43.50/month with copayment, TS Complet from €59.20/month no copayment). Coverage includes primary and specialist care, diagnostic tests, medical orientation, family planning, ambulance transport, emergencies, hospitalizations, interventions, prosthetics, special treatments, and transplants across a network of 50,000+ professionals and 10,000+ centers in Spain.
- LaMèdica (Digital Health Plan) Economical and digital-first health insurance plan from €5.28/month for individuals and families seeking basic coverage with full digital access. Includes 24/7 telemedicine with video consultations and medical chat in Catalan, foreign assistance, capped medical assistance, dental service, and wellness services. Targeted at price-sensitive Catalan consumers prioritizing digital-first access.
- Assegurances d'Esport (Sports and Leisure Insurance) Specialized sports accident and leisure insurance products for individuals, sports federations, clubs, events, and recreational activities. Coverage includes sports accident and liability insurance with pay-as-you-go pricing from €1.31 per person/week for leisure/sports accident insurance. Targeted at sports federations, clubs, and recreational activity participants.
- Tot Salut Dental (Dental Insurance) Dental insurance for individuals and families at €4.75/month per insured person, providing extended dental services beyond basic coverage. Available as a standalone subscription dental plan for the broader Catalan market.
- Telemedicina (Telemedicine Service) Remote healthcare service available 24/7 offering video consultations, medical chat (xat mèdic), and phone consultations with healthcare professionals across more than 10 medical specialties including general medicine, psychology, nutrition, pediatrics, gynecology, dermatology, traumatology, endocrinology, otolaryngology, urology, neurology, pneumology, and cardiology. Includes electronic prescriptions sent via email. Available to mutualists and accessible via web and mobile app.
- Telemedicina Corporativa (Corporate Telemedicine) Corporate telemedicine subscription for businesses from €10.80/year per employee to reduce absenteeism. Includes unlimited video consultations, medical chat, phone calls, medical prescriptions, nutritionists team, first psychological orientation consultation, and access to over 10 medical specialties. Targeted at companies providing employee health benefits.
Quantifiable outcome
- Comprehensive health coverage across all of Spain with 50,000+ medical professionals
- +3 more outcomes
Companies that use Mútuacat
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles4 records
Mútuacat technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature3 records
Mútuacat partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered minor and core.
- Col·legi de Periodistes de CatalunyaminorInstitutional meeting culminating in collaboration agreement signed at Mutuacat headquarters.
- Copa Col·legial CatalunyacoreSponsorship agreement making Mutuacat 'Partner Mèdic Oficial' of Catalan and Andorran delegations. Includes medical coverage for players, health talks, and 'Game of the Week' feature.
- Associació Futbol Veterans Vallès MaresmeminorMutuacat became official medical partner of the association with 84 teams and 2,045 footballers, providing sports accident coverage.
- Club La SantaminorPartnership for active tourism combining sport, health, and unique experiences at Club La Santa in Lanzarote.
- Col·legi de Mediadors d'Assegurances de Barcelona (CMAB)coreMutuacat participates in the CMAB-organized Insurance Week events and General Directors' lunch, reinforcing collaboration with the Barcelona insurance broker college.
- Col·legi de Mediadors d'Assegurances de Girona (CMAG)coreMutuacat has maintained collaboration with CMAG for nearly 10 years, participating in the 51st Global Broker Week and technical/institutional events.
- Federació de Mutualitats de CatalunyacoreMutuacat actively participates in annual Mutualitats de Catalunya gatherings organized by the federation, contributing to discussions on sustainability, innovation, and social responsibility.
- Unió de Consells Esportius de Catalunya (UCEC)coreRenewal of collective insurance agreement for the 2025/2026 season with UCEC, representing sports councils in Catalonia.
- Col·legi de Mediadors d'Assegurances de LleidacoreAnnual collaboration agreement renewal with Lleida insurance broker college. Mutuacat participated in the 60th anniversary celebrations of the college.
- Fundació AuditòriumminorRenewed collaboration agreement with Fundació Auditòrium at the Barcelona Insurance Brokers College (CMAB) headquarters, focused on broker training.
- Col·legi de Mediadors d'Assegurances de TarragonacoreCollaboration agreement renewal with Tarragona insurance broker college at the Annual Festival of the College.
- Unió de Federacions Esportives de Catalunya (UFEC)coreMutuacat participates in UFEC Christmas lunch and sports events, providing insurance for sports federations. Gerard Esteva (UFEC president) acknowledged Mutuacat's support at events.
- Ara MútuacoreAra Mútua is the brokerage subsidiary of Mutuacat group. First year appearing in the Ethical Finances Barometer alongside Mutuacat, reinforcing the group's role in ethical insurance.
- PIMECminorJoint PIMEC Covid Free initiative for rapid antigen testing in Catalan industrial parks, with supervised medical testing by Dr. Oriol Mitjà.
- Federació Catalana d'Atletisme (FCA)coreMutuacat has been sponsoring the Federació Catalana d'Atletisme for nearly 10 years as 'Partner Mèdic Oficial'. It was the first federation Mutuacat insured and sponsored. The partnership includes support for events like the Míting Internacional Catalunya and athletic championships, with Mutuacat providing medical coverage and athlete support.
- Federació Catalana de Rugbycore11-year collaboration as medical partner. Support for the federation's sports activities and events.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Mútuacat competitors and assessment
Company assessmentDirect peers
- Sanitas: Sanitas is one of Spain's largest private health insurers (Bupa subsidiary), offering comprehensive health insurance, dental, and digital health services (Blua telemedicine) — directly competing with Mutuacat's Tot Salut range and LaMèdica.
- Vivaz (SegurCaixa Adeslas): Vivaz is the digital-first health insurance brand of SegurCaixa Adeslas, targeting self-employed and SMEs with low-cost plans and telemedicine — directly competing with Mutuacat's LaMèdica and TS �ptim digital tiers in the same customer segment.
- DKV Seguros: DKV is a major Spanish health insurer (part of Munich Re's ERGO group) selling individual, family, SME, and self-employed health plans with telemedicine — a direct competitor in the same product tiers and Catalan market.
- MGC Mútua: MGC Mútua is a Catalan-origin non-profit mutual health insurer offering similar health, dental, and accident products — directly comparable mutual structure, regional roots, and customer segments to Mutuacat.
- ASISA: ASISA is a Spanish non-profit health mutual insurer offering comprehensive health, dental, and accident coverage nationwide — directly comparable to Mutuacat's mutual model, product structure, and target customers, though at substantially larger scale.
Regional players
- Mútua de Terrassa: Mútua de Terrassa is a Catalan mutual with a similar cooperative, non-profit health-insurance model and a regional Catalan footprint — the most geographically and structurally comparable peer to Mutuacat.
- Generali España: Generali España is the Spanish subsidiary of the global Generali Group, offering health insurance among a broad portfolio — a regional peer operating in Spain with overlapping health-insurance products but with global capital backing.
Broad incumbents
- Catalana Occidente: Catalana Occidente is a major Spanish insurance group with roots in Catalonia, offering diversified insurance products including health coverage — a broad incumbent peer with shared Catalan heritage but a much larger and more diversified portfolio.
- Mapfre: Mapfre is Spain's largest insurance group, offering health, life, auto, and home coverage nationwide — a broad incumbent that competes with Mutuacat in the Catalan health-insurance market with substantially greater capital and product breadth.
- Adeslas: Adeslas is Spain's largest health insurer (SegurCaixa Adeslas / Mutua Madrileña JV), operating a much broader national portfolio with extensive hospital networks — a broad incumbent that overlaps Mutuacat's product offering at significantly greater scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Mútuacat social profiles
Digital presenceMútuacat compliance and trust
Trust signalCompliance2 records
Mútuacat financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mútuacat leadership team
Management profileNumber of profiles
Profiles4 records
Mútuacat subsidiaries and ownership
Company hierarchySubsidiaries4 records
Mútuacat funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mútuacat 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 Mútuacat
What does Mútuacat do?
Mútuacat is a non-profit Catalan health mutual insurance company that underwrites and distributes private health insurance products (Tot Salut tiers, LaMèdica, dental, and sports accident insurance) to individuals, families, self-employed, businesses, and sports federations in Catalonia and across Spain. The company complements its insurance policies with a 24/7 telemedicine platform offering video consultations, medical chat, and phone consultations in Catalan, and operates a network of regional offices and insurance broker partnerships for distribution.
Is Mútuacat a public or private company?
Mútuacat is a private company. It is classified as management employee owned and is currently operating.
When was Mútuacat founded?
Mútuacat was founded in 1969. It employs 11 to 50 people.
Where is Mútuacat based?
Mútuacat is headquartered in Manresa, Spain, in the Europe region.
How does Mútuacat make money?
Two revenue lines are on record. Health Insurance Premiums are the primary driver. The others are sports and Leisure Insurance.
Who are Mútuacat's main competitors?
Direct peers on record are Sanitas, Vivaz (SegurCaixa Adeslas), DKV Seguros, MGC Mútua and ASISA. Regional players are Mútua de Terrassa and Generali España. Broad incumbents are Catalana Occidente, Mapfre and Adeslas.
Does Mútuacat have an API?
No public API is recorded for Mútuacat.
What industry is Mútuacat in?
Mútuacat's product category is Health Insurance. Its primary akta.pro industry code is FSAIAFAH, Association & PEO Group Health Plans (AHP/PEO-Sponsored). Its NAICS code is 52411 and its SIC code is 6399.