Vivaz

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.

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

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

• Group health insurance
• Corporate medical insurance
• Private healthcare plans
• Telemedicine services
• Digital health card

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core 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

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

One partnership is on record.

• Línea Directa Aseguradora S.A.coreOEM/ Whitelabel/ Licensing PartnerVivaz 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

Direct 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

• Xtwitter.com/vivazseguros
• YouTubeyoutube.com/channel/UC1ZIAIQVhQ8Ompwistpqvkg?ucbcb=1
• Facebookfacebook.com/VivazSeguros
• Instagraminstagram.com/vivazseguros

Compliance3 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 Vivaz