Portinsurance

What Portinsurance does

Portinsurance - Consultores Seguros, S.A. is a Portuguese insurance brokerage and mediation firm founded approximately 1992 and headquartered in Cantanhede, Portugal, operating as a subsidiary of Grupo Concentra, one of the largest independent insurance brokers on the Iberian Peninsula. The company distributes a broad portfolio of insurance products to two customer segments: Particulares (individuals) and Empresas (businesses). The individual offering spans health (PortinsuranceCare, BUPA international, Saúde Extra, Internamento Hospitalar at €30/year), life (ASISA Vida+Fácil for housing-credit transfers with up to 50% claimed monthly savings), auto, home, ERASMUS travel, and the Move it multi-sport accident insurance (€35/year, 100+ sports, in partnership with Tranquilidade). The business offering includes mandatory work accident, multi-risk, fleet (10+ vehicles), CMR goods transport, civil liability (operations, professional, product, environmental, D&O), and integrated corporate health solutions, plus the all4pets pet health sub-brand.

The technology stack is centered on web-based self-service tools — a Health Insurance Simulator for comparing providers (Advancecare, ASISA, BUPA), a Life Insurance Savings Calculator, and a three-step ASISA Vida+Fácil subscription flow — that act primarily as lead-capture and conversion aids rather than underwriting or risk-pricing engines. There is no API, no SDK, no mobile app, and no disclosed AI/ML capability. Distribution is digital-direct (website simulators, contact forms, phone support) augmented by specialized advisors who handle enterprise risk management, claims follow-up, and collections. Revenue is generated through insurance brokerage commissions on subscription-recurring premiums placed across multiple carrier partners, with no publicly disclosed revenue figure. The company employs 51-100 staff and serves Portugal with reach into the broader Iberian Peninsula via Grupo Concentra.

Name

Portinsurance

Legal name

Portinsurance - Consultores Seguros, S.A.

Website

https://portinsurance.pt

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

51–100 employees

Short description

Portinsurance is a Portuguese insurance brokerage and subsidiary of Grupo Concentra, distributing health, life, auto, home, multi-sport, fleet, and corporate liability insurance to individual and business clients across Portugal and the broader Iberian Peninsula.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Mediation

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

Keywords

• Insurance brokerage
• Insurance mediation
• Health insurance
• Life insurance
• Business insurance

Headquarters

HQ city

Cantanhede

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Portinsurance operates as an insurance mediator/broker earning commissions from insurance product sales. The company represents multiple insurance providers including Tranquilidade, ASISA, BUPA, and others, earning commissions on premiums placed through their distribution network.
2. Health Insurance Products: Revenue generated from sales of health insurance plans, health maintenance plans, and supplementary health coverage products to both individual and corporate clients.
3. Business Insurance Products: Commissions from commercial insurance products including work accident insurance, multi-risk policies, fleet insurance, civil liability, and goods transportation insurance for business clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Portinsurance is an insurance brokerage and mediation company that distributes and advises on a portfolio of personal and business insurance products in partnership with multiple insurers. For individuals it offers health plans, life insurance for housing credit, multi-sport accident coverage, auto, home, and ERASMUS travel insurance. For businesses it offers work accident, multi-risk, fleet auto, goods transport (CMR), civil liability, and integrated corporate health solutions. The firm earns commissions by matching clients to the optimal insurer within its provider network.

Product overview

Portinsurance is a Portuguese insurance brokerage firm operating for over 30 years, now part of Grupo Concentra (one of the largest independent brokers on the Iberian Peninsula). The company offers a comprehensive portfolio of insurance products through two main channels: Particulares (individual consumers) and Empresas (businesses). Individual products include health insurance plans (PortinsuranceCare, BUPA international, Saúde Extra, Internamento Hospitalar), life insurance (ASISA Vida+Fácil for housing credit), auto insurance, home insurance, travel/health insurance for ERASMUS students, and the Move it multi-sport accident insurance (in partnership with Tranquilidade). Business products include work accident insurance, multi-risk business insurance, auto/fleet insurance, goods transport insurance (CMR), civil liability coverage (operations, professional, products, environmental, D&O), and integrated corporate health solutions. The company also offers animal health insurance through the all4pets® brand.

Differentiator

Problem solved

Functional benefit

Brands

• Portinsurance Saúde: Health insurance solutions with a network of healthcare providers in Portugal, combining conventional and reimbursement payment models.
• Move it
• ASISA Vida+Fácil
• all4pets by Portinsurance
• Portinsurance Care

Products and services

• PortinsuranceCare Health Plans (Planos de Saúde PortinsuranceCare) Health insurance plans offering unlimited protection with immediate coverage and reduced prices, providing access to a vast network of healthcare providers in Portugal, targeted at individual consumers.
• Saúde Portinsurance (Health Solutions) Health insurance solutions for individual clients of Portinsurance combining contracted benefits with reimbursement options, offering access to a vast network of healthcare providers in Portugal.
• BUPA International Health Insurance (Seguro de Saúde BUPA) International health insurance offering full worldwide coverage with unlimited capitals, distributed in partnership with BUPA for individual clients requiring global health protection.
• Saúde Extra Health Coverage Critical illness and international health coverage covering hospitalization, oncology, international coverage across Iberia and USA, and major diseases including cancer, neurosurgery, heart bypass, valve replacement, and organ transplant up to €1,000,000. Can be purchased standalone or as complement to other health insurance.
• Internamento Hospitalar (Hospitalization Insurance) Basic hospitalization health insurance covering surgical treatments and hospital stays, offered to individual consumers at €30 per year.
• all4pets by Portinsurance (Animal Health Insurance) Pet health insurance providing access to a wide range of veterinary services and care benefits for pets, distributed under the all4pets brand.
• ASISA Vida+Fácil Life Insurance Life insurance for housing credit allowing customers to transfer their life insurance from a bank and save up to 50% per month, distributed in partnership with ASISA Vida Seguros.
• Move it Sports Personal Accident Insurance (Seguro de Acidentes Pessoais para Desportistas) Multi-sport personal accident insurance covering over 100 sports modalities for athletes aged up to 80, distributed in partnership with Tranquilidade at €35 per year with medical assistance, civil liability, and international sports travel assistance.
• Soluções Automóvel - Individual Auto Insurance Auto insurance solutions for individual consumers offering comprehensive coverage and adaptable plans, including travel assistance and replacement vehicle.
• Soluções Habitação - Individual Home Insurance Multi-risk home insurance covering buildings and/or contents, civil liability for third-party damages, and valuable objects under All'Risks coverage, for individual consumers.
• ERASMUS Health Insurance (Seguro de Saúde ERASMUS) Health and personal accident insurance for students traveling abroad under the ERASMUS program, providing unlimited coverage worldwide.
• Acidentes de Trabalho - Workers' Compensation Insurance Mandatory work accident insurance protecting employees against temporary or permanent disability resulting from work-related activities, for Portuguese companies.
• Multirriscos Empresarial - Business Multi-Risk Insurance Global multi-risk insurance protecting business property and contents against multiple risks, including civil liability, temporary relocation, and loss of profits coverage.
• Automóvel Empresarial - Business Auto Insurance Business auto insurance allowing companies to select capitals and deductibles with optional coverages available at any time during the policy.
• Automóvel Frotas - Fleet Insurance Fleet insurance for companies with more than ten vehicles, consolidating civil liability, own damage, travel assistance, and other coverages under a single policy, with annual premium recalculated based on fleet characteristics and claims experience.
• Seguro de Transporte de Mercadorias (CMR) - Goods in Transit Insurance Goods transport insurance protecting merchandise during land, sea, or air transport with guarantees, limits, and coverages tailored for transit operators, transport companies, and delivery services.
• Responsabilidade Civil Empresarial - Business Civil Liability Insurance Consolidated civil liability insurance covering Business Operations, Professional Liability, Product Liability, Environmental Liability, and D&O Liability under a single policy for business clients.
• Soluções Integradas de Saúde Empresarial - Integrated Corporate Health Solutions Customized health solutions for businesses ranging from comprehensive corporate health insurance to basic health plans, designed to enhance employee productivity and well-being.

Quantifiable outcome

• Up to 50% monthly savings on life insurance for home credits transferred from banks
• +1 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• TranquilidadecoreTechnology or IntegrationPortinsurance partnered with Tranquilidade insurance company to develop and offer the 'Move it' multi-sport insurance product. This partnership provides coverage for over 100 sports modalities including football, cycling, swimming, tennis, and many others. The product is available for both federated and non-federated athletes up to 80 years old.
• ASISA VidacoreTechnology or IntegrationASISA Vida provides life insurance products offered through Portinsurance's platform, specifically the 'Vida+Fácil' product for transferring life insurance from banks to external providers with potential savings of up to 50%. ASISA Vida Seguros is registered in Lisbon with Portuguese regulatory authorities.
• BUPAcoreTechnology or IntegrationBUPA is an international health insurance company partnered with Portinsurance to offer global health coverage solutions with unlimited capitals worldwide. BUPA specializes exclusively in international health insurance for people worldwide.
• Grupo ConcentracoreStrategic or Co-development PartnerPortinsurance is part of Grupo Concentra, one of the largest independent insurance brokers on the Iberian Peninsula. This integration amplifies the company's presence, response capacity, and distribution network, strengthening its identity and brand while maintaining commitment to proximity, rigor, and trust.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Arthur J. Gallagher & Co. Large global insurance brokerage heavily active across Europe through acquisitions. Overlaps with Portinsurance in commercial property/casualty, fleet, civil liability, and employee benefits brokerage for mid-market Portuguese businesses.
• Aon plc: Global insurance brokerage and advisory firm with established Portugal and Spain presence. Overlaps with Portinsurance in commercial lines (fleet, liability, transport, employee benefits) and increasingly in individual health and life brokerage; competes for the same mid-market and corporate customers in Iberia.
• Willis Towers Watson (WTW): Major international broker and risk-advisory firm with Iberian offices. Comparable multi-line brokerage offering spanning commercial P&C, health & group benefits, and specialty lines; competes directly for Portuguese corporate risk-management assignments.
• Howden Broking Group: Independent specialty and commercial re/insurance broker expanding across Iberia. Comparable multi-line placement model and emphasis on independent advisory; targets similar corporate and specialty risk customers as Portinsurance does on the business side.
• Lockton Companies: Largest independent insurance broker globally with European operations and growing Iberian footprint. Competes with Portinsurance for mid-market and enterprise commercial accounts across fleet, civil liability, transport (CMR), and benefits placement.
• Marsh & McLennan (Marsh): One of the world's largest insurance brokers and risk advisors with full Iberian operations. Comparable to Portinsurance as a multi-line intermediary placing property, casualty, fleet, liability, and health coverage for corporate and individual clients, but with global scale and broader carrier access.

Others

• AdvanceCare: Portuguese health-care benefits management and insurance TPA that is both a Portinsurance partnership distribution partner and an adjacent player in the same health-insurance value chain. It is comparable as a channel on which Portinsurance places individual and corporate health customers, but operates as a managed-care/TPA rather than a broker.

Regional players

• Accióris Brokers: Independent insurance brokerage group with significant presence in Spain and growing Iberian footprint. Comparable as an intermediation-led multi-line broker; offers shared lessons on Iberian consolidation dynamics Portinsurance faces through its Grupo Concentra integration.
• Espabrok: Spanish independent insurance brokers' association/group with retail and corporate intermediation across Spain. Geographically adjacent Iberian peer that competes for cross-border clients and demonstrates the multi-carrier intermediation model Portinsurance uses, but with primary operational focus on Spain rather than Portugal.

Direct peers

• MDS Group: One of the largest insurance brokerage and risk-management groups headquartered in Portugal, with operations across Lusophone markets. Closest analog to Portinsurance by scale, geography, and product breadth (corporate risks, employee benefits, fleet, liability, health), serving both individual and corporate clients in overlapping channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Portinsurance
• LinkedInlinkedin.com/company/portinsurance

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

Investments

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

Frequently asked questions about Portinsurance