Insieme Salute SMS

What Insieme Salute SMS does

Insieme Salute SMS is an Italian Società di Mutuo Soccorso (Mutual Aid Society) founded in 1994 and headquartered in Milan. It operates as a non-profit supplementary healthcare provider, distinct from insurance companies under Italian third-sector law. Members ("soci") pay annual contributions that fund reimbursements and direct healthcare services rather than generating shareholder profit; the 2026 Assembly reported €21.3M in contributions collected and €17.4M returned to members as care benefits (an 81.7% benefit ratio). The society serves over 500,000 people across Italy through more than 5,000 affiliated healthcare facilities, with over 120,000 registered members.

The core offering is a modular portfolio of healthcare assistance plans covering hospitalization (Piano Base, Piano Plus, Ricoveri Standard/Completa, Diaria da Ricovero), outpatient diagnostics and specialist visits (Diagnostica ambulatoriale, Protezione Sicura), dental care (Protezione Odontoiatrica), non-self-sufficiency protection (Oggi e Domani, Giorno e Notte), and youth-specific plans (Protezione Giovani). All members receive the Card Salute digital discount card providing up to 50% discounts at affiliated facilities, plus access to the Insieme Salute Online platform—a web portal and iOS/Android mobile application built on the Cosmo platform that handles reimbursement submissions, appointment scheduling, status tracking, and digital card management. The technology stack is operationally functional but does not incorporate AI/ML capabilities.

The business model is a non-profit subscription/membership model: members pay recurring annual or monthly contributions (ranging from €35 to €894 depending on plan tier and age) that are tax-deductible up to €1,300 per declarant. Go-to-market combines direct-to-consumer acquisition (website, phone, in-person at Milano/Torino offices) with B2B2C distribution through over 20 partner organizations including Coop Lombardia, NOVA COOP, trade unions (CGIL variants, UILTuCS), professional associations (Order of Engineers and Architects of Milan), employer associations (CNA Milano, CNA Pensionati), banking pensioner groups (Crédit Agricole), and mutual societies (SMART). Customer segments span individual families, atypical/project workers, retirees, and corporate/employer groups—creating a diversified member base anchored in the cooperative and labor movement ecosystem.

Name

Insieme Salute SMS

Legal name

Insieme Salute SMS - Società di Mutuo Soccorso ente del terzo settore

Website

https://insiemesalute.org

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Insieme Salute SMS is a non-profit Italian mutual aid society (Società di Mutuo Soccorso) founded in 1994 that provides supplementary healthcare coverage to over 500,000 people through modular plans, a network of 5,000+ affiliated facilities, and 20+ partner organizations including Coop Lombardia and trade unions.

Ownership category

akta.pro rank

Product category

Supplementary Healthcare (Mutual Aid Health Insurance)

NAICS

Voluntary Health Organizations (813212), Social Assistance (624)

SIC

Services-Health Services (8000), Services-Social Services (8300)

akta.pro primary industry

Hospitals, Clinics & Charitable Healthcare Providers (BPAGACAB)

akta.pro secondary industry

Disability Services & Independent Living Support (BPAGACAG)

Keywords

• Mutual health society
• Supplementary healthcare
• Health insurance plans
• Dental care coverage
• Hospitalization indemnity

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Annual Membership Contributions: Insieme Salute operates as a mutual aid society (Società di Mutuo Soccorso) where members pay annual contributions that provide access to healthcare benefits. The 2026 Assembly reported 21.3 million euros in contributions collected and 17.4 million euros returned to members as healthcare benefits.
2. Supplementary Healthcare Plans: Various supplementary healthcare plans offered including dental coverage (60-75 euros/year), hospitalization daily allowances (35-130 euros/year depending on coverage level), and comprehensive protection plans with pricing varying by age and coverage type.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core offering

Insieme Salute is a non-profit mutual aid society (Società di Mutuo Soccorso) providing supplementary healthcare coverage to individual members and families across Italy. Members pay annual contributions to access a modular portfolio of healthcare plans including ticket reimbursements, specialist visits, hospitalization allowances, dental care, diagnostics, and non-self-sufficiency protection, all supported by a digital platform (Cosmo web portal and mobile app) and a network of over 5,000 affiliated healthcare facilities.

Product overview

Insieme Salute SMS is a mutual aid society (Società di Mutuo Soccorso) founded in 1994, operating as a supplementary healthcare provider rather than an insurance company. The company offers a modular portfolio of healthcare assistance plans structured around core hospitalization and outpatient coverage (Piano Base, Piano Plus, Ricoveri Standard/Completa, Protezione Tutto Compreso), specialized plans for dental care (Protezione Odontoiatrica), non-self-sufficiency protection (Oggi e Domani), and home/hospital assistance services (Giorno e notte, Assistenza da centrale telefonica). All members receive the Card Salute discount card and access to the Insieme Salute Online digital platform (mobile app and web portal). Plans are available both to individuals and through corporate/entity partnerships (enti convenzionati). The mutualistic model ensures lifetime coverage without exclusion for age or health conditions.

Differentiator

Problem solved

Functional benefit

Products and services

• Piano Base (Ticket e Ricoveri) Entry-level healthcare assistance plan providing 80% NHS ticket reimbursement at public/private accredited structures and a daily hospitalization allowance of 25 EUR. Designed for individual members seeking basic supplementary coverage.
• Piano Plus (Ticket, Ricoveri e Specialistica Ambulatoriale Privata) Mid-tier healthcare plan covering all Piano Base benefits plus major surgical hospitalization (55 EUR daily), high diagnostic exams with 30 EUR franchise, and private specialist visits with 25 EUR franchise (up to 3 per year). For members up to 71 years old at enrollment.
• Protezione Sicura (Specialistica Ambulatoriale Privata) Plan covering private outpatient specialist visits (up to 3 visits/year with 25 EUR franchise), high diagnostic exams with 30 EUR franchise and 3,000 EUR annual maximum, plus 30 EUR/day hospitalization subsidy. Member pricing varies by age category (150 EUR/year under 59, 180 EUR for 60-69).
• Oggi e Domani (Non-Self-Sufficiency Protection) Non-self-sufficiency protection plan covering up to 500 EUR/month for assistance services including caregiver support, nursing care, physiotherapy, medical aids, home adaptations, and residential care. Target: members and families preparing for long-term care needs.
• Protezione Odontoiatrica (Dental Protection) Dental coverage providing access to an affiliated dental network with discounted rates, free annual dental checkup and tartar removal. Pricing: 60 EUR/year when combined with other coverage, 75 EUR/year standalone, free for children under 6.
• Ricoveri Standard Hospitalization plan covering major surgery up to 50,000 EUR/year with daily allowances for public hospitals (26 EUR Italy/52 EUR abroad) and 150 EUR daily for private clinic hospitalization. For members seeking surgical coverage.
• Ricoveri in Forma Completa Comprehensive hospitalization plan with 150,000 EUR annual maximum covering all surgery, rehabilitation, and hospitalization scenarios at both affiliated and non-affiliated facilities.
• Diaria da Ricovero (Daily Hospitalization Indemnity) Daily hospitalization indemnity plan with four categories (15/30/45/60 EUR daily) for up to 180 days per year. Annual pricing ranges from 35 EUR (Cat 1) to 130 EUR (Cat 4).
• Protezione Tutto Compreso All-inclusive comprehensive protection plan covering dentistry (up to 1,600 EUR/year), hospitalizations (up to 100,000 EUR/year), outpatient services, physiotherapy, medical aids, and preventive care with free biennial checkup. No age limit for enrollment.
• Protezione Giovani (Young Protection) Youth-focused plan for members up to 40 years, covering private specialist visits (up to 3/year with 30 EUR franchise) and 100% SSN ticket refunds. Annual pricing 120 EUR for eligible members.
• Giorno e Notte (Day and Night Assistance) Day and night assistance plan providing 50 hours/year of home care and 120 hours/year of hospital care plus nursing services post-discharge. For members requiring supplementary care services.
• Assistenza da Centrale Telefonica 24/7 telephone assistance service providing medical phone support, doctor dispatch, ambulance transfer, health information, and emergency services for members.
• Card Salute Health discount card providing up to 50% discounts on private healthcare services at over 2,000 affiliated facilities nationwide. Available to all Insieme Salute members as part of their membership.
• Diagnostica Ambulatoriale Outpatient diagnostic plan covering laboratory tests, diagnostic imaging, specialist visits (50-90 EUR reimbursement), and dental care (up to 2,500 EUR for trauma) with no annual maximums.
• Insieme Salute Online Platform (Web Portal and Mobile App) Digital platform comprising mobile app (iOS/Android) and web portal (Cosmo platform) enabling members to view Card Salute, submit reimbursement requests, track progress, view payment history, and manage profiles. Provided to all members as part of their membership.

Quantifiable outcome

• Over 500,000 people assisted through mutualist system across Italy
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

24 partnerships are on record, tiered core and minor.

• Coop LombardiacoreChannel Partner/ Reseller/ DistributorCoop Lombardia partnership offering dedicated healthcare plans to Coop members including Piano Base (132 EUR/year), Piano Plus (267 EUR/year), Protezione Sicura, Oggi e Domani, and Protezione Odontoiatrica with special rates and family coverage options.
• NIDIL CGILcoreChannel Partner/ Reseller/ DistributorPartnership with NIDIL CGIL (temporary workers union) offering healthcare coverage tailored to atypical workers with illness subsidies, pregnancy benefits, and ticket reimbursements.
• FISAC CGILcoreChannel Partner/ Reseller/ DistributorPartnership with FISAC CGIL (banking sector union) offering 20% discount on first-year membership fees for various healthcare plans including Oggi e Domani, Giorno e Notte, Protezione Giovani, and dental coverage.
• UILTuCSminorChannel Partner/ Reseller/ DistributorPartnership with UILTuCS offering 10% discount on healthcare plan contributions for union members.
• Ordine degli Ingegneri della Provincia di MilanocoreChannel Partner/ Reseller/ DistributorPartnership with the Order of Engineers of Milan offering comprehensive healthcare plans with direct assistance at affiliated facilities, including full coverage for lab work and diagnostics at convenzionate facilities.
• Ordine degli Architetti della Provincia di MilanocoreChannel Partner/ Reseller/ DistributorPartnership with the Order of Architects of Milan Province offering healthcare coverage with 80% reimbursement for diagnostics, 100% NHS ticket coverage, and hospitalization subsidies up to 100 EUR/day.
• CNA MilanocoreChannel Partner/ Reseller/ DistributorPartnership with CNA Milano (artisan and business association) offering healthcare plans at 290 EUR/year for members under 70, including 80% ticket reimbursement and 30 EUR/day hospitalization.
• CNA PensionaticoreChannel Partner/ Reseller/ DistributorPartnership with CNA Pensionati offering healthcare coverage at 174 EUR/year for titular members, with reduced rates for spouses and children.
• NOVA COOPcoreChannel Partner/ Reseller/ DistributorPartnership with Nova Coop offering Ticket and Ricoveri plan at 132 EUR/year for members up to 61 years, including 25 EUR daily hospitalization allowance and Card Salute benefits.
• Centro Medico SantagostinocoreStrategic or Co-development PartnerPartnership with Centro Medico Santagostino offering full coverage for private ambulatory services at their facilities with no co-pays or deductibles. Members receive complete healthcare including specialist visits, diagnostics, and lab work at no additional cost.
• CAF CNA Milano / EPASA-ITACOminorChannel Partner/ Reseller/ DistributorPartnership with CAF CNA Milano and patronato EPASA-ITACO offering healthcare plans at 216 EUR/year for members under 55, including comprehensive coverage options.
• ACTA (Associazione Consulenti Terziario Avanzato)minorChannel Partner/ Reseller/ DistributorPartnership with ACTA offering healthcare plans for consultants including Oggi e Domani, Base, Plus, and Ridotto plans with additional 10% first-two-year discount.
• FITeL LombardiaminorChannel Partner/ Reseller/ DistributorPartnership with FITeL Lombardia (Federazione Italiana Tempo Libero) offering healthcare plans at 138 EUR/year for members under 55, including 70% NHS ticket reimbursement.
• STRADE (Sindacato Traduttori Editoriali)minorChannel Partner/ Reseller/ DistributorPartnership with STRADE offering healthcare plans (Base, Plus, Ridotto) for editorial translators at favorable rates.
• SMART (Società Mutualistica per Artisti)coreChannel Partner/ Reseller/ DistributorPartnership with SMART offering healthcare coverage for artists including 30 EUR/day illness subsidy, 250 EUR pregnancy allowance, and 80% ticket reimbursement at 246 EUR/year.
• CRA2A (Circolo Ricreativo A2A)minorChannel Partner/ Reseller/ DistributorPartnership with CRA2A offering 20% first-year discount on healthcare plans for members and their families, building on 25+ years of collaboration since 1998.
• Insieme in A2AminorChannel Partner/ Reseller/ DistributorPartnership with Insieme in A2A offering free Card Salute and access to healthcare plans including Protezione Oggi e Domani, Protezione Sicura, and Protezione Odontoiatrica at reduced rates.
• AITI (Associazione Italiana Traduttori e Interpreti)minorChannel Partner/ Reseller/ DistributorPartnership with AITI offering healthcare plans (Base, Plus, Ridotto, Mini) for translators and interpreters at 246-489 EUR/year depending on plan.
• Intesa Sindacale Pensionati Crédit-Agricole ItaliacoreChannel Partner/ Reseller/ DistributorPartnership with Crédit-Agricole pensioners union offering three-tier healthcare plans (A: 894 EUR/year, B: 420 EUR/year, C: 168 EUR/year) with coverage up to 82 years and lifetime guarantees.
• A.E.C.I. PisaminorChannel Partner/ Reseller/ DistributorPartnership with A.E.C.I. Pisa offering 10% discount on healthcare plans and waiver of registration fees for members.
• EssilorluxotticaminorChannel Partner/ Reseller/ DistributorNew partnership announced November 2025 with Essilorluxottica expanding the network of affiliated facilities for vision care services.
• Cassa MutualisticacoreStrategic or Co-development PartnerInsieme Salute is a promoter member of Cassa Mutualistica, supporting the mutualist movement and collaborative healthcare initiatives.
• Cooperativa PandoraminorGTM or Marketing PartnerPartnership with Cooperativa Pandora offering summer camp services at preferential tariffs for Insieme Salute members.
• Fondo Assistenziale Solidaristico CGEminorGTM or Marketing PartnerPartnership with CGE providing access to Casa per Ferie 'Il Pioppo' holiday home in Marina di Massa at reduced rates for Insieme Salute members.

Scale indicators6 records

Expansion highlights5 records

Direct peers

• ASSIDAI: Italian mutual health fund for executives and managers of partner companies, providing supplementary hospitalization, specialist, and diagnostic coverage comparable to Insieme Salute's plans.
• UniSalute: The leading Italian health insurance brand of the Unipol Group, offering supplementary health plans for individuals, families, and corporate clients, directly competing with Insieme Salute in the supplementary health coverage market.
• Cesare Pozzo: One of Italy's oldest mutual aid health societies (Società di Mutuo Soccorso), providing supplementary healthcare reimbursement and direct care services across Italy under the same non-profit, member-owned model as Insieme Salute.
• RBM Salute: Italian integrated health fund owned by the Reale Group, providing corporate and individual supplementary healthcare plans with network-based provider access; operates in the same supplementary health space and frequently co-occurs with Insieme Salute in CCNL-driven offerings.
• Fondo Est: Italian bilateral health fund for commerce, tourism, and services employees, offering mandatory and supplementary healthcare coverage that competes for similar white-collar unionized segments as Insieme Salute's union partnerships.
• Cooperazione Salute: Italian mutual aid society associated with Confcooperative, providing supplementary healthcare plans to cooperative members with a similar mutualist model and partner-driven distribution to Insieme Salute.
• Sanilog: Italian mutual health fund for transport and logistics workers, providing supplementary healthcare coverage through negotiated CCNL-based plans; comparable to Insieme Salute's atypical/union-led offerings.

Others

• Cassa Mutua Nazionale: Federated mutual aid coordination body and related casse supporting the Italian mutualist movement; relevant ecosystem counterpart as Insieme Salute is itself a promoter member of Cassa Mutualistica.

Broad incumbents

• Generali Italia Health: Health division of Generali, Italy's largest insurance group, offering supplementary health and accident coverage for individuals and corporate clients through a much larger incumbent distribution model.
• Allianz Health Italy: Health unit of Allianz Italy, part of a global insurance group, providing supplementary health plans and corporate group policies that indirectly compete with Insieme Salute in the Italian supplementary health market.

Market position

Strengths5 records

Weaknesses5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/InsiemeSalute
• Facebookfacebook.com/Insieme-Salute-SMS-378401615687453
• LinkedInlinkedin.com/company/insieme-salute
• Instagraminstagram.com/insieme_salute

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 Insieme Salute SMS