What Umivale does

Umivale Activa is a Mutua Colaboradora con la Seguridad Social nº 3, a Spanish non-profit mutual entity authorized by the government to collaborate with the Social Security system in managing workplace accident coverage, occupational disease, and temporary disability for affiliated employers and self-employed workers. Founded around 1906 and headquartered in Valencia, the mutual operates an established network of medical centers across Spain supplemented by two digital self-service platforms: Umivale Activa Online Empresas for employer clients and Umivale Activa Online Personas for individual workers and patients. In 2025 the organization reported revenue of 1,825 million euros, a 13% year-over-year increase, with a positive result of 11 million euros and a planned 10 million euro contribution to the Social Security reserve fund, against a headcount of 501–1,000 employees.

The core business model is fundamentally different from a private insurer: revenue is largely derived from mandatory Social Security contributions tied to covered workforce rather than from underwritten premium, and the mutual is supervised by the Spanish Ministry of Inclusion, Social Security and Migration. The mutual has been actively extending its product surface with the 2025 launches of the Escuela de Salud Virtual, a digital health-education platform, and the Calculadora de Absentismo, an online absenteeism calculator aimed at employer HR functions, signaling a push beyond statutory services into recurring employer-facing analytics and consumer health tools. Customer segments span Companies, Patients/Workers, Self-employed, and Offices/Accountants.

Umivale's strategic positioning has increasingly emphasized research-driven thought leadership and ecosystem partnerships, including collaborations with the Universidad de Valencia (2024) and the Instituto Valenciano de Investigaciones Económicas (Ivie, 2025) on temporary-disability research, and a 2026 awareness campaign with Proyecto Hombre. The mutual also holds the EFQM Quality Seal (2025) and the SESST Innovation and Digitalization Award (2026), reinforcing its brand as an established, quality-certified institution. All operations remain domestic to Spain, with no disclosed international or M&A expansion.

Name

Umivale

Legal name

Umivale Activa, Mutua Colaboradora con la Seguridad Social 3

Website

https://umivale.es

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Umivale Activa is a Spanish non-profit mutual (Mutua Colaboradora con la Seguridad Social nº 3) that delivers statutory occupational health, workplace safety, and Social Security management services to affiliated employers, self-employed workers, and patients across Spain.

Ownership category

akta.pro rank

Product category

Occupational Health and Social Security Mutual Services

NAICS

Health and Welfare Funds (525120), Business Associations (813910), Vocational Rehabilitation Services (62431)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324), Services-Membership Organizations (8600)

akta.pro primary industry

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

akta.pro secondary industries

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Worksite AD&D Insurance (FSAIAMAE), Unemployment Insurance & Employment Support Benefits (BPAIAKAB)

Keywords

• Occupational health services
• Workplace safety management
• Mutual insurance services
• Absenteeism management
• Social security collaboration

Headquarters

HQ city

Valencia

HQ country

Spain

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Social Security Collaboration Services: As a Mutua Colaboradora con la Seguridad Social (Collaborating Mutual with Social Security #3), Umivale Activa manages occupational health, work accidents, and temporary disability on behalf of the Spanish Social Security system. The organization is a not-for-profit voluntary association of companies.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Umivale Activa is a non-profit mutual insurance society collaborating with the Spanish Social Security system (Mutua Colaboradora con la Seguridad Social número 3). It manages occupational health, workplace accident prevention and response, temporary disability, and economic benefit processing on behalf of the Seguridad Social for member companies, workers, self-employed professionals, and accountancy offices. Services are delivered through a network of physical medical centers across Spain and proprietary digital platforms including Umivale Online Empresas and Umivale Online Personas.

Product overview

Umivale Activa is a mutual insurance company (Mutua Colaboradora con la Seguridad Social nº 3) that provides occupational health, workplace safety, and Social Security management services. The company's digital portfolio centers on two proprietary online platforms: Umivale Activa Online Empresas (for company management) and Umivale Activa Online Personas (for individual workers), both accessible via desktop and mobile app. These are supplemented by the Escuela de Salud Virtual web platform for health education and a Calculadora de Absentismo tool for measuring absenteeism costs. The company also offers prevention services, medical assistance, economic benefits management, and social assistance programs.

Differentiator

Problem solved

Functional benefit

Brands

• Umivale Activa Online Empresas: Online management tools platform for companies and offices to consult absentismo reports, medical assistance, and deductions in real-time.
• Umivale Activa Online Personas
• Escuela de Salud Virtual

Products and services

• Umivale Activa Online Empresas Self-service online platform with desktop and mobile app versions enabling member companies and accountancy offices (despachos) to manage occupational health services in real-time. Provides customized absenteeism reports, medical assistance tracking, Social Security deductions information, first-aid kit ordering, and medical appointment scheduling.
• Umivale Activa Online Personas Mobile app and web portal for individual workers, self-employed professionals, and patients to view their medical assistance and economic benefits in real-time, receive medical appointment reminders, and locate the nearest Umivale Activa center.
• Escuela de Salud Virtual Virtual health education web platform offering training programs and resources on health topics, designed for users to learn, improve habits, and enhance wellbeing without time or location limitations. Open for enrollment with monthly content updates on prevention and health promotion.
• Calculadora de Absentismo Online calculator tool that quantifies the economic value of absenteeism in a company's workforce, helping businesses measure the financial impact of employee absences and supporting decision-making around occupational health investments.

Quantifiable outcome

• 13% revenue increase in 2025, reaching 1.825 million euros
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Proyecto HombrecoreStrategic or Co-development Partner · 1 January 2026Joint campaign with Proyecto Hombre to debunk myths about cocaine consumption and raise awareness about its effects, launched on International Day against Drug Addiction.
• Ivie (Instituto Valenciano de Investigaciones Económicas)coreStrategic or Co-development Partner · 1 January 2025Collaborative research partnership analyzing temporary disability and workplace accidents in Spain, producing quantitative studies on occupational health trends.
• Universidad ValenciacoreStrategic or Co-development Partner · 1 January 2024Convenio Universidad Valencia-Umivale Activa: Academic collaboration agreement for research and development in occupational health and safety, featuring joint studies on temporary disability and workplace accidents.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Mutua Universal: Mutua Universal is a major Spanish Mutua Colaboradora with the Social Security system, providing occupational health, accident, and temporary disability services to a large base of associated companies and self-employed workers—a near-identical operating model to Umivale Activa.
• MC Mutual: MC Mutual (formerly Mutua Cyclops) is one of the leading Spanish Mutuas offering workplace accident, occupational disease, and temporary disability management. Its product and member profile directly mirror Umivale Activa's Empresas / Trabajadores / Autónomos value proposition.
• Ibermutua: Ibermutua is a Spanish Mutua Colaboradora con la Seguridad Social providing occupational healthcare, work injury management, and IT (temporary disability) administration. It directly competes with Umivale Activa for member companies and self-employed customers across Spain.
• FREMAP: FREMAP is one of Spain's largest Mutuas Colaboradoras con la Seguridad Social and is the most direct competitor to Umivale Activa. Both operate under the same statutory Social Security framework, offering occupational health, work accident management, and temporary disability to associated companies and workers across Spain.
• Mutua Intercomarcal: Mutua Intercomarcal is a Spanish mutua with strong footprint in Catalonia serving companies and self-employed professionals via the same Social Security collaboration framework as Umivale Activa, including digital workplace health platforms.

Regional players

• Mutua Navarra: Mutua Navarra is a regional Mutua Colaboradora con la Seguridad Social headquartered in Navarra, offering occupational health and temporary disability services. It operates the same business model as Umivale Activa but with a strong regional concentration rather than nationwide coverage.
• Solimat: Solimat is a regional Mutua Colaboradora con la Seguridad Social based in Castilla-La Mancha providing workplace accident and IT services to associated companies. It is comparable to Umivale Activa in model but limited geographically to Castile-La Mancha.
• Mutua Balear: Mutua Balear is the regional Mutua Colaboradora for the Balearic Islands, providing occupational health, work accident management, and temporary disability benefits to associated companies on the same basis as Umivale Activa.

Broad incumbents

• Quirónsalud (occupational health): Quirónsalud's occupational health and prevention services business lines compete with parts of Umivale Activa's prevention, medical assistance, and health surveillance offerings. As a broad incumbent hospital group, it overlaps with Umivale in workplace health but does not operate the mutua statutory framework.
• Cualtis: Cualtis is a major Spanish occupational risk prevention service provider (SPA) that overlaps with Umivale Activa's Prevención de Riesgos Laborales and surveillance health services to employers, though it does not operate the mutua/Social Security collaboration framework.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/umivale
• YouTubeyoutube.com/channel/UCz5RCfFlWPQJJisDPGqh5YQ
• Facebookfacebook.com/MutuaUmivale
• LinkedInes.linkedin.com/company/umivaleactiva
• Instagraminstagram.com/umivaleactiva

Compliance5 records

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 Umivale