Vivaz
Vivaz is a Spanish collective health insurance brand within Línea Directa Aseguradora S.A. (Bankinter Group), offering subscription-based corporate plans with direct specialist access, telemedicine, and a mobile app across 50,000+ specialists and 1,000+ centers in Spain.
- Company typePrivate
- Founded2023
- HeadquartersMadrid, Spain
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Vivaz does
Vivaz is a Spanish collective health insurance brand operated by Línea Directa Aseguradora S.A. — itself part of Grupo Bankinter — targeting companies, collectives, and self-employed professionals (autónomos) with two subscription plans: Vivaz Especialistas (from €19.90 per employee per month) providing direct access to 50,000+ medical specialists without a primary care referral, and Vivaz Completo (from €37.90 per employee per month) adding emergencies, surgeries, and hospitalization. Both plans are sold on a monthly per-employee recurring basis with no copayments and include tax-advantaged benefits for both employers and employees. The brand was launched in 2023 and is headquartered in Tres Cantos, Madrid, operating exclusively in Spain under supervision of the Dirección General de Seguros y Fondos de Pensiones.
The product is delivered through a direct enterprise go-to-market combining dedicated corporate account managers and inside-sales phone lines, with a multi-step onboarding flow from contract formalization to per-employee communications and app activation. The technology stack centers on the Vivaz Health App (iOS and Android), which integrates a digital health card, provider directory, medical authorization management, electronic prescriptions, and a 24/7 Médico Online telemedicine service with chat and video consultation. The platform is built on standard web/mobile infrastructure with TLS 1.2 security and has achieved WCAG 2.1 AA and EN 301 549 accessibility certification. No standalone revenue, AI/ML capabilities, or funding rounds are disclosed for the brand.
Vivaz functions as a focused vertical within a much larger insurance organization: Línea Directa Aseguradora S.A. serves more than 3.8 million customers across its broader insurance portfolio, giving Vivaz access to an established regulated entity, capital, and Spanish distribution channels that an independent entrant would need years to build. The brand competes on breadth of specialist access, no-copay pricing, integrated digital tooling, and tax/wellness incentives (up to €500/year IRPF savings for employees, up to €202.50/year renewal discount for healthy-lifestyle behavior tracked via the app). Strategic intent is to capture share in the Spanish corporate health insurance segment by leveraging the parent's banking-grade distribution and brand trust.
Vivaz firmographics
Firmographics- Name
- Vivaz
- Legal name
- Línea Directa Aseguradora S.A. Compañía de Seguros y Reaseguros
- Website
- https://vivaz.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Vivaz is a Spanish collective health insurance brand within Línea Directa Aseguradora S.A. (Bankinter Group), offering subscription-based corporate plans with direct specialist access, telemedicine, and a mobile app across 50,000+ specialists and 1,000+ centers in Spain.
- Ownership category
- akta.pro rank
Vivaz industry classification
Industry- Product category
- Group Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Services-Health Services (8000)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
- akta.pro secondary industry
- Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)
Keywords
Where Vivaz is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Vivaz business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Health Insurance Premiums (Collective Policies): Vivaz generates revenue through subscription-based health insurance premiums paid by companies for their employees and families. Companies pay monthly premiums per employee covered under the collective policy. Premiums are priced based on the plan tier (Especialistas or Completo) and the number of covered employees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Vivaz Especialistas - Access to 50,000+ specialists without primary care referral |
| Subscription | Monthly | Vivaz Completo - Full coverage including emergencies, surgeries, and hospitalization |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Vivaz product offering
Product offeringCore offering
Vivaz sells collective (group) private health insurance to companies and self-employed professionals in Spain through two subscription plans—Vivaz Especialistas (from €19.90/employee/month) for direct specialist access and Vivaz Completo (from €37.90/employee/month) adding emergencies, surgeries and hospitalization—delivered with a mobile health app, 24/7 telemedicine, electronic prescriptions and a digital health card. Coverage spans 50,000+ medical specialists and 1,000+ centers and hospitals across Spain with no copayments.
Product overview
Vivaz is the health insurance brand for companies and collectives, subscribed by Línea Directa Aseguradora S.A. The product portfolio consists of two main insurance plans: Seguro de Salud Vivaz Especialistas (19.90 €/month) offering direct access to over 50,000 medical specialists without referral, and Seguro de Salud Vivaz Completo (37.90 €/month) which adds emergency care, surgeries, and hospitalization to the specialists coverage. Both plans include access to over 1,000 medical centers and hospitals across Spain, advanced diagnostic technology, and the Vivaz Health App for mobile management including digital health cards, medical authorizations, and 24/7 online doctor service via chat and video consultation.
Differentiator
Problem solved
Functional benefit
Brands
- Vivaz Especialistas: Health insurance product providing direct access to medical specialists without needing a primary care referral. Pricing from €19.90/month.
- Vivaz Completo
Products and services
- Seguro de Salud Vivaz Especialistas Group health insurance plan providing direct access to over 50,000 medical specialists across Spain without the need for a primary care physician referral. Includes unlimited medical consultations, advanced diagnostic technology, and 24/7 immediate online doctor service. Targeted at companies and collectives as an employee benefit, priced from €19.90/employee/month with no copayments.
- Seguro de Salud Vivaz Completo Comprehensive group health insurance plan covering all Vivaz Especialistas benefits (direct specialist access, unlimited consultations, advanced diagnostics, 24/7 online doctor) plus emergency care, hospitalization, surgical interventions and complex medical treatments. Targeted at companies and collectives as an employee benefit, priced from €37.90/employee/month with no copayments.
- Vivaz Health App Mobile application for iOS and Android that allows insured employees to manage their health insurance digitally. Features include digital health card stored in the device wallet, medical specialist and center search, medical authorization management, electronic prescriptions, and 24/7 immediate online doctor service with chat and video consultation.
- Médico Online 24/7 24/7 telemedicine service included with Vivaz health insurance plans, providing immediate access to medical consultations via chat and video, electronic prescriptions, and round-the-clock medical attention in general medicine, pediatrics and other specialties—without the need to travel or book appointments.
Quantifiable outcome
- Employees can save up to €500 per year in personal income tax (IRPF) through their corporate health insurance benefit
- +2 more outcomes
Companies that use Vivaz
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Vivaz technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
Vivaz partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Línea Directa Aseguradora S.A.coreVivaz is a brand of health insurance for companies and collectives subscribed by Línea Directa Aseguradora S.A., a insurance and reinsurance company operating under the Línea Directa brand. Línea Directa is part of Grupo Bankinter. Vivaz operates as a specialized vertical of the parent company's health insurance offering, focused exclusively on corporate and collective health insurance products.
Scale indicators6 records
Recent moves5 records
Expansion highlights6 records
Vivaz competitors and assessment
Company assessmentDirect peers
- Adeslas: Major Spanish health insurer (SegurCaixa Adeslas, JV between Mutua Madrileña and CaixaBank); offers corporate collective health plans and dental insurance nationwide. Closest direct competitor to Vivaz in the colectivos segment with similar bank-affiliation distribution advantage.
- DKV Seguros: Spain subsidiary of DKV (Munich Re Group); provides corporate and individual health insurance with strong digital health platform. Direct competitor in the Spanish corporate health market with comparable product positioning.
- Asisa: Spanish mutual health insurer owned by medical professionals; offers corporate group health plans with broad specialist network. Competes directly with Vivaz for collectives and SMB health insurance clients in Spain.
- Sanitas: Spain's leading private health insurer and part of Bupa Group; offers corporate and individual health insurance with extensive own-provider medical network and digital services. Directly competes with Vivaz in the Spanish employer-sponsored health insurance segment.
Broad incumbents
- Mapfre: Spain's largest insurer with broad health, life, auto, and P&C lines including corporate health plans via Mapfre Salud. Competes across the same corporate benefits buyer as Vivaz but with much broader portfolio.
- Generali Seguros: Spain subsidiary of Italian insurer Generali; offers health insurance as part of broader P&C and life portfolio. Less specialized than Vivaz but competes in the Spanish corporate benefits space.
Regional players
- Cigna Spain: Spain operation of global health insurer Cigna; targets corporate and expatriate health insurance segments. Operates in Spain with similar corporate collective focus but draws on international capabilities.
- Allianz Care Spain: Spain branch of Allianz's international health insurance business; serves corporate clients and expatriates. Comparable in employer-sponsored health insurance focus but with international rather than Spanish medical network.
Others
- Mutua Madrileña: Spanish mutual insurer with auto, home, life, and health products including collective health plans; co-owner of Adeslas. Provides competitive context for Vivaz's parent-bank distribution model and is an indirect competitor in corporate benefits.
Emerging players
- Sanitas Dental: Specialized dental insurance vertical of Sanitas; relevant peer as Vivaz also markets dental and personal mobility insurance add-ons. Illustrates the vertical specialization strategy Vivaz is pursuing around its core health product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Vivaz social profiles
Digital presenceVivaz compliance and trust
Trust signalCompliance3 records
Vivaz financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vivaz leadership team
Management profileNumber of profiles
Vivaz funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vivaz 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 Vivaz
What does Vivaz do?
Vivaz sells collective (group) private health insurance to companies and self-employed professionals in Spain through two subscription plans—Vivaz Especialistas (from €19.90/employee/month) for direct specialist access and Vivaz Completo (from €37.90/employee/month) adding emergencies, surgeries and hospitalization—delivered with a mobile health app, 24/7 telemedicine, electronic prescriptions and a digital health card. Coverage spans 50,000+ medical specialists and 1,000+ centers and hospitals across Spain with no copayments.
Is Vivaz a public or private company?
Vivaz is a private company. It is classified as corporate owned and is currently operating.
When was Vivaz founded?
Vivaz was founded in 2023. It employs 51 to 100 people.
Where is Vivaz based?
Vivaz is headquartered in Madrid, Spain, in the Europe region.
How does Vivaz make money?
One revenue line is on record: health Insurance Premiums (Collective Policies).
Who are Vivaz's main competitors?
Direct peers on record are Adeslas, DKV Seguros, Asisa and Sanitas. Broad incumbents are Mapfre and Generali Seguros. Regional players are Cigna Spain and Allianz Care Spain. Mutua Madrileña is listed as an others. Sanitas Dental is listed as an emerging player.
Does Vivaz have an API?
No public API is recorded for Vivaz.
What industry is Vivaz in?
Vivaz's product category is Group Health Insurance. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100), with a secondary code of FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts). Its NAICS code is 52411 and its SIC code is 8000.