IMQ Navarra
IMQ Navarra is a private regional health insurer in Navarra, Spain, offering tiered Basic, Classic, Classic+, and Dental policies to individuals, freelancers, businesses, mutual societies, and foreign residents, supported by its own clinic, dental network, and senior residence.
- Company typePrivate
- Founded1940
- HeadquartersPamplona, Spain
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What IMQ Navarra does
IMQ Navarra (legal name Compañía de Seguros Igualatorio Médico Quirúrgico y de Especialidades de Navarra S.A.) is a private regional health insurance carrier headquartered in Pamplona, Spain, founded in 1940 and operating for more than 80 years as a leading health insurer in the Navarra region. It offers a tiered portfolio of policies — IMQ Basic (entry-level with copay), IMQ Classic (full coverage without copay), IMQ Classic+ (premium with worldwide coverage and out-of-network reimbursement), and IMQ Dental — with parallel variants for self-employed workers (autónomos), businesses (empresas), government mutual society members (MUFACE, ISFAS, MUGEJU), sports federations, and foreign residents (IMQ Salud Extranjeros). Pricing is transparently disclosed on the website, ranging from 16.34€/month (IMQ Basic) to 86.58€/month (IMQ Classic+) per insured person.
The company is vertically integrated into care delivery through wholly-owned subsidiaries: Clínica San Miguel (a Pamplona medical clinic with 300+ professionals and 100+ external consultants), Navarra Sociedad Odontológica (the IMQ Dental network with four clinics across Pamplona and Tudela), and Residencia Beloso (a senior residential care facility). Policyholders also access a national network of 1,100+ contracted clinics and 50,000+ healthcare professionals. Distribution combines an online insurance calculator, three physical offices (Pamplona, Tudela, Estella), telephone sales, and partnerships for digital health, including a telemedicine integration with Teladoc Health International delivered through the IMQ mobile app. The member portal (Tarisan) supports self-service policy management.
Revenue is generated primarily through recurring monthly or annual insurance premiums across individuals, freelancers, businesses, mutual societies, and foreigners, supplemented by dental services and senior residential care fees. The customer base exceeds 42,000 policyholders, and the go-to-market mixes direct-to-consumer digital acquisition with sales-led B2B outreach, corporate wellness content marketing, and sponsorship of regional events such as the Media Maratón San Fermín. The company is GDPR-compliant, holds no public funding or VC backing disclosed in the data, and has no public listing.
IMQ Navarra firmographics
Firmographics- Name
- IMQ Navarra
- Legal name
- Compañía de Seguros Igualatorio Médico Quirúrgico y de Especialidades de Navarra S.A.
- Website
- https://imqnavarra.com
- Company type
- Private
- Founded year
- 1940
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- IMQ Navarra is a private regional health insurer in Navarra, Spain, offering tiered Basic, Classic, Classic+, and Dental policies to individuals, freelancers, businesses, mutual societies, and foreign residents, supported by its own clinic, dental network, and senior residence.
- Ownership category
- akta.pro rank
IMQ Navarra industry classification
Industry- Product category
- Private Health Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Offices of Physicians (62111)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Offices & Clinics Of Doctors Of Medicine (8011)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
- akta.pro secondary industries
- International/Expatriate Individual Health Insurance (FSAIAEAH), Private/For-Profit Hospital Systems (HLAFAAAF)
Keywords
Where IMQ Navarra is headquartered
LocationHeadquarters
- HQ city
- Pamplona
- HQ country
- Spain
- HQ region
- Europe
Offices6 records
Markets served
IMQ Navarra business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Health Insurance Premiums: IMQ Navarra generates revenue primarily through recurring health insurance premiums paid by individuals, freelancers, and businesses. The company offers multiple product tiers (IMQ Basic, IMQ Classic, IMQ Classic+, IMQ Dental) with different pricing structures including copay and non-copay options. Premiums are collected on a recurring (monthly or annual) basis. The company also offers health insurance for foreigners requiring coverage for visa/residence permit applications.
- Dental Services: Revenue from dental care services provided through IMQ Dental clinics (three in Pamplona and one in Tudela). The dental product (IMQ Dental / IMQ Dental Autónomos) offers free basic services (diagnoses, cleanings) and discounted specialist treatments.
- Senior Care (Residencia Beloso): Revenue from a senior living/residential care facility (Residencia Beloso Alto) offering multidisciplinary care services including nursing, geroculture, rehabilitation, and occupational therapy.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | IMQ Basic: Basic coverage with copay, national medical network, no health questionnaire required |
| Subscription | Monthly | IMQ Classic: Full coverage without copay for in-network care, national medical network |
| Subscription | Monthly | IMQ Classic+: Maximum coverage with reimbursement option outside network, worldwide coverage |
| Subscription | Monthly | IMQ Dental: Dental-only coverage with free basic services and discounted treatments |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
IMQ Navarra product offering
Product offeringCore offering
IMQ Navarra sells private health insurance policies (IMQ Basic, IMQ Classic, IMQ Classic+, IMQ Dental) to individuals, self-employed workers, businesses, and public mutual society members in Spain. The company underwrites health coverage and provides access to its owned medical clinic (Clínica San Miguel) and Spain's largest private medical network with over 1,100 contracted clinics and 50,000 healthcare professionals. Additional offerings include dental services through owned dental clinics and senior residential care at Residencia Beloso Alto.
Product overview
IMQ Navarra (Compañía de Seguros Igualatorio Médico Quirúrgico y de Especialidades de Navarra S.A.) operates as a health insurance company offering a portfolio of insurance products centered on four main health insurance policies: IMQ Classic+, IMQ Classic, IMQ Basic, and IMQ Dental. These core products are offered in versions for individuals, self-employed workers (autónomos), and foreigners. The company distinguishes itself through its owned healthcare infrastructure including Clínica San Miguel (its own medical clinic), Clínicas Dentales IMQ (dental clinic network with 4 locations), and Residencia Beloso Alto (elderly residence). The product portfolio also includes the IMQ Salud Extranjeros policy specifically designed for foreign residents needing health insurance for visa and residence permit applications. IMQ Navarra's insurance products provide access to Spain's largest private healthcare network with over 1,100 contracted clinics and 50,000 medical professionals.
Differentiator
Problem solved
Functional benefit
Brands
- IMQ Classic+: Premium health insurance plan with maximum coverage including worldwide assistance, reimbursement options, and comprehensive medical services.
- IMQ Classic
- IMQ Basic
- IMQ Dental
- IMQ Classic+ Autónomos
- IMQ Classic Autónomos
- IMQ Basic Autónomos
- IMQ Dental Autónomos
- IMQ Salud Extranjeros
Products and services
- IMQ Classic+ Premium-tier health insurance offering maximum medical coverage worldwide with 80% reimbursement up to €150,000/year for out-of-network care. Includes hospitalization without limits on days or amounts, dental coverage, psychology services, second medical opinions, prostheses, pregnancy follow-up, and preventive medicine. Targeted at individuals and families seeking the highest level of coverage.
- IMQ Classic Comprehensive health insurance providing broad coverage with access to Spain's largest private medical network of 1,100+ clinics and 50,000+ healthcare professionals. Starting from €66.58/month per insured person with no copay for in-network care. Includes general medicine, hospitalization, special treatments, second medical opinion, and foreign assistance.
- IMQ Basic Budget-friendly health insurance starting from €16.34/month per insured person with copay for consultations and procedures. Provides access to specialists and diagnostic tests at reduced prices with no health questionnaire required. Includes primary care, specialties, diagnostics, hospitalization, dental for minors, and travel assistance abroad.
- IMQ Dental Dental insurance covering all dental health needs with free diagnostic services (consultations and X-rays) and free preventive treatments (cleanings). Provides discounted and franchised services for basic and advanced dental treatments including implants, fillings, and root canals. Served through three owned dental clinics in Pamplona and one in Tudela.
- IMQ Autónomos Line (Self-Employed Plans) Specialized version of IMQ health insurance products designed for self-employed workers (autónomos) with potentially tax-deductible premiums up to €500/year. Includes IMQ Basic Autónomos, IMQ Classic Autónomos, IMQ Classic+ Autónomos, and IMQ Dental Autónomos, each adapted from the main product line for individual contractors without employer-sponsored coverage.
- IMQ Salud Extranjeros Health insurance designed for foreign residents in Spain to satisfy visa and residence permit requirements. Provides comprehensive coverage without copayments, without waiting periods, and including repatriation. Coverage is equivalent to the Spanish national health system and supports student visa applications.
Quantifiable outcome
- 42,000+ users trust IMQ Navarra with their healthcare
- +1 more outcomes
Companies that use IMQ Navarra
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles6 records
IMQ Navarra technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature4 records
IMQ Navarra partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Teladoc Health International, S.A.U.coreTeladoc Health International, S.A.U. provides telemedicine services to IMQ Navarra policyholders through the company's digital health app. Policyholders can access video consultations with doctors remotely. IMQ uses Teladoc's platform to deliver 24/7 medical consultations and health advice.
- Clínica Arcángel San Miguel, S.A.coreClínica Arcángel San Miguel S.A. (CIF A31162779) is a wholly-owned clinic within the IMQ Group, located at Calle Beloso Alto 32, Pamplona. The clinic has a team of over 300 professionals and more than 100 external consultants, providing integrated diagnostic and treatment services to IMQ policyholders.
- Residencia Beloso S.L.minorResidencia Beloso S.L. (CIF B31844491) is a senior living and residential care facility within the IMQ Group, located at Leoncio Urabayen s/n, Pamplona. It offers multidisciplinary care including nursing, geroculture, rehabilitation, and occupational therapy services.
- Navarra Sociedad Odontológica, S.L.coreNavarra Sociedad Odontológica S.L. (CIF B71179238) operates the IMQ Dental clinics - three in Pamplona and one in Tudela - providing comprehensive dental services to IMQ policyholders under the IMQ Dental and IMQ Dental Autónomos product lines.
- Inade - Instituto Atlántico del SegurominorInade (Instituto Atlántico del Seguro) serves as the Customer Service Department (Servicio de Atención al Cliente) for IMQ Navarra. It receives and manages complaints and claims from policyholders, resolving them within regulatory timeframes (one month for consumers, two months for other cases). Located in Vigo, Spain.
- Federaciones Deportivas (Sports Federations)minorIMQ Navarra provides specialized health insurance coverage for sports federations and athletic clubs. The company also sponsors sports events such as the Media Maratón San Fermín, which attracts over 600 runners and reinforces brand association with health and sports.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
IMQ Navarra competitors and assessment
Company assessmentBroad incumbents
- DKV Seguros: Spanish subsidiary of Germany's DKV (ERGO/Munich Re) offering individual, family, and corporate health insurance with digital health services and a national network. Comparable product breadth and digital orientation to IMQ Navarra.
- Generali Seguros: Major Spanish insurer (Generali Group subsidiary) offering health insurance alongside life, home, and auto. Competes for the same individual and corporate health insurance customer that IMQ Navarra targets in Navarra.
- Adeslas: Spain's leading private health insurer by market share, part of Mutua Madrileña, offering health, dental, and accident insurance with a nationwide provider network. Closest scale-comparable peer to IMQ Navarra in product mix and target customer.
- Sanitas: One of Spain's largest private health insurers (Bupa-owned), offering individual, family, and corporate health plans with a national provider network and owned hospitals/clinics. Directly comparable business model to IMQ Navarra but at national scale with international backing.
- Axa Seguros Salud: Health insurance line of global insurer AXA in Spain, providing individual, family, and corporate plans with strong digital claims/app experience. Comparable in product structure and digital distribution ambition to IMQ Navarra.
- Mapfre Salud: Health insurance arm of Spain's largest insurance group (Mapfre), offering individual, family, and corporate health plans nationally. Comparable product structure and pricing tier approach to IMQ Navarra.
Others
- Teladoc Health International: Telemedicine partner of IMQ Navarra providing the digital consultation platform behind the IMQ Navarra app. Comparable not as a competitor but as an ecosystem/technology enabler that defines IMQ Navarra's digital health experience.
Direct peers
- Asisa: Spanish not-for-profit health insurer with strong regional roots, national provider network, and own clinic/hospital infrastructure (HLA Group). Most directly comparable to IMQ Navarra's regional-insurer-meets-clinic-owner model.
- Caser Salud: Spanish health insurer offering individual and family plans with national network and digital tools. Comparable mid-tier insurer competing for similar SME and family customers as IMQ Navarra.
Emerging players
- Sanitas Dental: Dental-only insurance product within Sanitas, mirroring IMQ Navarra's IMQ Dental offering with own-clinic network model. Comparable as a focused dental-insurance + own-clinic competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
IMQ Navarra social profiles
Digital presenceIMQ Navarra compliance and trust
Trust signalCompliance2 records
IMQ Navarra financial estimates
Financial estimateRevenue estimate
Valuation estimate
IMQ Navarra leadership team
Management profileNumber of profiles
IMQ Navarra subsidiaries and ownership
Company hierarchySubsidiaries4 records
IMQ Navarra funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IMQ Navarra 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 IMQ Navarra
What does IMQ Navarra do?
IMQ Navarra sells private health insurance policies (IMQ Basic, IMQ Classic, IMQ Classic+, IMQ Dental) to individuals, self-employed workers, businesses, and public mutual society members in Spain. The company underwrites health coverage and provides access to its owned medical clinic (Clínica San Miguel) and Spain's largest private medical network with over 1,100 contracted clinics and 50,000 healthcare professionals. Additional offerings include dental services through owned dental clinics and senior residential care at Residencia Beloso Alto.
Is IMQ Navarra a public or private company?
IMQ Navarra is a private company. It is classified as unknown and is currently operating.
When was IMQ Navarra founded?
IMQ Navarra was founded in 1940. It employs 51 to 100 people.
Where is IMQ Navarra based?
IMQ Navarra is headquartered in Pamplona, Spain, in the Europe region.
How does IMQ Navarra make money?
Three revenue lines are on record. Health Insurance Premiums are the primary driver. The others are dental Services and senior Care (Residencia Beloso).
Who are IMQ Navarra's main competitors?
Broad incumbents on record are DKV Seguros, Generali Seguros, Adeslas, Sanitas, Axa Seguros Salud and Mapfre Salud. Teladoc Health International is listed as an others. Direct peers are Asisa and Caser Salud. Sanitas Dental is listed as an emerging player.
Does IMQ Navarra have an API?
No public API is recorded for IMQ Navarra.
What industry is IMQ Navarra in?
IMQ Navarra's product category is Private Health Insurance. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution, with a secondary code of FSAIAEAH, International/Expatriate Individual Health Insurance. Its NAICS code is 524210 and its SIC code is 6411.