Cigna Spain
Cigna Spain is the Spanish branch of U.S.-headquartered The Cigna Group, offering private health insurance to individuals, families, SMEs, and corporate clients through network and reimbursement plans, digital self-service, and an expatriate-focused international partnership.
- Company typePrivate
- Founded1982
- HeadquartersPozuelo De Alarcón, Spain
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Cigna Spain does
Cigna Spain operates the Spanish branch of Cigna Life Insurance Company of Europe, S.A./N.V., a Belgian-regulated insurer ultimately owned by The Cigna Group (NYSE: CI). The entity has operated in Spain since 1991 and is headquartered in Pozuelo de Alarcón, Madrid, with between 251 and 500 employees. The legal entity is a branch office (Sucursal en España) registered with Spain's Dirección General de Seguros under number E0133, and the business is GDPR-compliant with privacy policies updated through November 2024. Governance is led by CEO Juan José Montes.
The core product is private health insurance sold to individuals and corporate clients. The individual portfolio comprises four primary plans — Cigna Salud Plena (network-based, no co-pays), Cigna Salud Reembolso Gold and Reembolso Titanium (reimbursement-based with freedom of provider choice), and Cigna Salud Asistencia Sanitaria Ambulatoria (outpatient care) — plus a standalone dental plan (Cigna Salud Dental Franquiciado). The corporate portfolio layers eight complementary modules (Dental, Visión, Pediatría, Medicina Deportiva, Concilia Vida Familiar, Farmacia, Psicología, Medicina Alternativa) on top of group policies, with a dedicated SME (Pymes) channel. The Cigna +Salud prevention/wellness program extends services across mental health, nutrition, physiotherapy, fertility, genetic profiles, and rehabilitation.
Revenue is generated primarily through recurring monthly health insurance premiums, supplemented by corporate wellbeing solutions. Distribution combines direct phone sales, an online self-service portal (Mi Cigna), an authorized intermediary (mediador) network, dedicated corporate sales, and a partnership with Cigna Global serving expatriates. The underlying technology stack consists of the Mi Cigna portal, a mobile experience, and the Doctor Cigna telemedicine channel; there is no public evidence of proprietary AI capability. Customer acquisition relies on a content-driven marketing approach, including a health library, LinkedIn and YouTube presence, and online comparison tools targeting both individuals and SMEs.
Cigna Spain firmographics
Firmographics- Name
- Cigna Spain
- Legal name
- Cigna Life Insurance Company of Europe, S.A./N.V., Sucursal en España
- Website
- https://cignasalud.es
- Company type
- Private
- Founded year
- 1982
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Cigna Spain is the Spanish branch of U.S.-headquartered The Cigna Group, offering private health insurance to individuals, families, SMEs, and corporate clients through network and reimbursement plans, digital self-service, and an expatriate-focused international partnership.
- Ownership category
- akta.pro rank
Cigna Spain industry classification
Industry- Product category
- Private Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- International/Expatriate Individual Health Insurance (FSAIAEAH)
- akta.pro secondary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where Cigna Spain is headquartered
LocationHeadquarters
- HQ city
- Pozuelo De Alarcón
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Cigna Spain business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Health Insurance Premiums: Cigna Spain generates revenue primarily through recurring health insurance premiums paid by individuals, families, and corporate clients for medical coverage, dental plans, vision coverage, and complementary health services.
- Corporate Wellbeing Solutions: Cigna +Salud services for employers including health prevention programs, wellness initiatives, and corporate wellbeing solutions offered as supplementary or standalone services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Multiple health insurance tiers with varying coverage levels (Plena, Reembolso Gold, Reembolso Titanium) and product types (Cuadro Médico network-based, Reembolso reimbursement-based, and hybrid options) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Cigna Spain product offering
Product offeringCore offering
Cigna Spain sells private health insurance products to individuals, families, and corporate clients in Spain, including network-based plans (Cuadro Médico), reimbursement plans, dental coverage, and a suite of supplementary corporate coverages such as vision, pediatrics, sports medicine, pharmacy, psychology, and alternative medicine. It also provides wellness and prevention services under the Cigna +Salud program and digital self-service through the Mi Cigna portal.
Product overview
Cigna Spain operates as a health insurance provider offering a portfolio of individual and corporate health insurance products. The core individual offerings include four main insurance plans: Cigna Salud Plena (comprehensive coverage without co-payments through the medical network), Cigna Salud Reembolso Gold and Titanium (reimbursement plans allowing freedom to choose any physician), and Cigna Salud Asistencia Sanitaria Ambulatoria (outpatient care). Dental coverage is available through Cigna Salud Dental Franquiciado. For corporate clients, Cigna provides health insurance with complementary add-on modules including Dental, Visión, Pediatría, Medicina Deportiva, Concilia Vida Familiar, Farmacia, Psicología, and Medicina Alternativa. The Cigna +Salud program offers wellness and prevention services across both individual and corporate segments. All products are administered through the Mi Cigna customer portal for policy management and claims submission.
Differentiator
Problem solved
Functional benefit
Brands
- Cigna Salud Plena: Health insurance product without co-payments for individuals and families
- Cigna Salud Reembolso Gold
- Cigna Salud Reembolso Titanium
- Cigna Salud Dental Franquiciado
- Cigna Salud Asistencia Sanitaria Ambulatoria
- Cigna +Salud
- Mi Cigna
- Cigna Wellbeing Solutions
- Doctor Cigna
Products and services
- Cigna Salud Plena Comprehensive health insurance without co-payments for individuals and families, providing medical coverage through Cigna's network of providers in Spain.
- Cigna Salud Reembolso Gold Reimbursement-style health insurance product offering broad coverage options that allow policyholders to choose any physician and seek reimbursement for covered services.
- Cigna Salud Reembolso Titanium Premium reimbursement health insurance product with extensive coverage limits and benefits, designed for policyholders seeking maximum flexibility in choosing healthcare providers.
- Cigna Salud Asistencia Sanitaria Ambulatoria Outpatient medical assistance insurance covering consultations and ambulatory care services at selected providers, targeted at individuals needing basic outpatient coverage.
- Cigna Salud Dental Franquiciado Standalone dental insurance product providing access to franchised dental clinics with reduced rates on dental procedures and treatments for individuals.
- Cigna Corporate Health Insurance (Empresas) Group health insurance plans for companies and employers in Spain, available as Cuadro Médico (network-based) or Reembolso (reimbursement) products, with optional complementary coverages.
- Cigna Wellbeing Solutions Corporate wellbeing program offering health prevention, wellness initiatives, and employee support services for employers as supplementary or standalone benefits.
- Cigna +Salud Wellness and prevention services program offering mental health support, nutrition guidance, medical check-ups, speech therapy, refractive surgery, cord blood, fertility, aesthetic treatments, genetic profiles, physiotherapy and rehabilitation, and foot study services.
- Cigna Expatriate Health Insurance International health insurance plans for expatriates in Spain with access to the CignaLinks global medical network and the Cigna Envoy insured member portal.
- Mi Cigna Customer Portal Online self-service portal and mobile app allowing policyholders to manage their health insurance policies, submit reimbursement requests, track claim status, access the medical directory, and download policy documents.
Quantifiable outcome
- 59% of Spaniards declare themselves satisfied at work (Cigna Healthcare International Health Study)
- +2 more outcomes
Companies that use Cigna Spain
Customer profileSegments4 records
Ideal customer profiles3 records
Cigna Spain technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Cigna Spain partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- MD Anderson Cancer CentercoreCigna has partnered with MD Anderson Cancer Center to develop health content and guides for cancer patients and their families, providing specialized cancer care information and support resources.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Cigna Spain competitors and assessment
Company assessmentDirect peers
- DKV Seguros: Spanish private health insurer (part of the Munich Re Group) offering individual, family, and corporate health coverages, including reembolso options and digital health services. A direct competitor in the same product categories and customer segments as Cigna Spain.
- SegurCaixa Adeslas: One of the largest Spanish private health insurers, jointly owned by Mutua Madrileña and CaixaBank. Competes head-to-head with Cigna Spain in individual, family, and corporate health plans, with a broad cuadro médico and dental offering.
- Allianz Care: Allianz's international health insurance arm offering expat and cross-border health plans to corporates and individuals. Comparable to Cigna Spain's expatriate segment and as another global insurer with a local European presence.
- Cigna Global: Cigna's international expatriate health insurance business, which partners with Cigna Spain to deliver global plans to internationally mobile professionals. Sister business within the Cigna Group, comparable on expat/international health products and customer segment.
- Asisa: Spanish not-for-profit health insurer offering individual, family, and corporate health plans with its own medical network. Competes directly with Cigna Spain across the individual and SME/corporate segments in Spain.
- Generali Spain: Generali's Spanish health insurance operation offers individual, family, and corporate health coverages, including reembolso plans. A direct competitor in the Spanish private health insurance market.
- AXA Spain: Global insurer with a Spanish health insurance operation (AXA Salud) offering individual, family, and corporate health coverages. Comparable to Cigna Spain in product set and as a branch of an international parent.
- Sanitas: Spain's leading private health insurance provider, offering individual, family, and corporate health coverages with its own hospital and clinic network. Directly comparable to Cigna Spain on product scope (cuadro médico, reembolso, dental, corporate plans) and target customers in the Spanish market.
- Mapfre Salud: Large Spanish insurer with a dedicated health insurance business (Mapfre Salud) offering individual, family, and corporate health plans. Directly comparable on product range and customer base in the Spanish market.
Broad incumbents
- Bupa (Sanitas parent): Global health insurer and owner of Sanitas in Spain. Comparable as a larger, established player in the same industry with a Spanish health insurance presence; broader portfolio (hospitals, clinics, insurance) than Cigna Spain's pure-insurance model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Cigna Spain social profiles
Digital presenceCigna Spain compliance and trust
Trust signalCompliance3 records
Cigna Spain financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cigna Spain leadership team
Management profileNumber of profiles
Profiles1 record
Cigna Spain subsidiaries and ownership
Company hierarchySubsidiaries4 records
Cigna Spain funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cigna Spain 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 Cigna Spain
What does Cigna Spain do?
Cigna Spain sells private health insurance products to individuals, families, and corporate clients in Spain, including network-based plans (Cuadro Médico), reimbursement plans, dental coverage, and a suite of supplementary corporate coverages such as vision, pediatrics, sports medicine, pharmacy, psychology, and alternative medicine. It also provides wellness and prevention services under the Cigna +Salud program and digital self-service through the Mi Cigna portal.
Is Cigna Spain a public or private company?
Cigna Spain is a private company. It is classified as corporate owned and is currently operating.
When was Cigna Spain founded?
Cigna Spain was founded in 1982. It employs 251 to 500 people.
Where is Cigna Spain based?
Cigna Spain is headquartered in Pozuelo De Alarcón, Spain, in the Europe region.
How does Cigna Spain make money?
Two revenue lines are on record. Health Insurance Premiums are the primary driver. The others are corporate Wellbeing Solutions.
Who are Cigna Spain's main competitors?
Direct peers on record are DKV Seguros, SegurCaixa Adeslas, Allianz Care, Cigna Global, Asisa, Generali Spain, AXA Spain, Sanitas and Mapfre Salud. Bupa (Sanitas parent) is listed as a broad incumbent.
Does Cigna Spain have an API?
No public API is recorded for Cigna Spain.
What industry is Cigna Spain in?
Cigna Spain's product category is Private Health Insurance. Its primary akta.pro industry code is FSAIAEAH, International/Expatriate Individual Health Insurance, with a secondary code of FSAIAEAL, Individual Health Insurance Brokerage & Distribution. Its NAICS code is 52411 and its SIC code is 6411.