CASPIE

What CASPIE does

CASPIE – Cassa di Assistenza Sanitaria is a private, not-for-profit Italian supplementary healthcare fund headquartered in Rome, established in 1979 pursuant to Law 833/1978 which instituted Italy's National Health Service (SSN). Originally founded as the Cassa di Assistenza Sanitaria per il Personale dell'Istituto di Emissione to serve Banca d'Italia personnel, it is the first and oldest such Cassa in Italy and now serves multiple banks, financial institutions, public institutions, and industrial/commercial companies across all 20 Italian regions. Membership spans active workers, family members, and retirees, who receive medical expense reimbursement, access to a direct-billing convention network of 3,000+ healthcare facilities, 23,000+ specialist doctors, and 2,300+ dentists, plus preventive medicine programs and 360° social assistance (accident, disability, life, and Long Term Care insurance).

The technology stack consists of an in-house ICT department supporting a web operational portal (CaspieOnLine) and dedicated iOS/Android mobile applications distributed via Google Play and Apple App Store, through which members submit reimbursement requests, upload documentation, track claim status, search the convention network, view remaining limits, and retrieve customized 730 attestations. Back-office systems are backed by a Disaster Recovery as a Service (DRaaS) arrangement with an Italian IT partner whose data center is ISO 27001:2014 certified and TIER 4 rated, providing near-zero real-time replication 500km from the primary site, with additional encrypted magnetic-tape backups stored in a bank vault. The organization holds ISO 9001:2015 certification (since 2011), is registered in the Anagrafe dei Fondi Sanitari per DM 27/10/2009, adopted the MOG 231 organizational model in July 2018, and operates in full GDPR compliance.

CASPIE generates revenue primarily through recurring membership contributions — tax-deductible up to €3,615.20 per year for workers, retirees, and family members, with employer contributions deductible from business income. Its go-to-market operates as a B2B2C model: a dedicated commercial team sells tailored coverage to enterprise entities (banks, financial institutions, public institutions, and corporates), which in turn provide benefits to their employees and retirees; B2C engagement runs through the CaspieOnLine portal, mobile apps, and a centralized call center (800 254 313). Non-reimbursed medical expenses further qualify members for a 19% income tax deduction, reinforcing the value proposition.

Name

CASPIE

Legal name

CASPIE – Cassa di Assistenza Sanitaria

Website

https://caspie.eu

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

CASPIE is Italy's oldest not-for-profit supplementary healthcare fund (founded 1979), headquartered in Rome, providing tax-advantaged medical reimbursement, preventive care, and social assistance to workers, retirees, and families of member banks, financial institutions, public bodies, and commercial companies through a nationwide network of 3,000+ facilities and proprietary CaspieOnLine portal and mobile apps.

Ownership category

akta.pro rank

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Membership Contributions: Recurring membership contributions paid by workers, retirees, and employers. Contributions are tax-deductible up to €3,615.20 for workers and retirees (including family members), while employer contributions are deductible from business income. This forms the core revenue stream for the supplementary healthcare fund.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

CASPIE is a supplementary healthcare assistance fund that provides tax-deductible group health coverage, medical expense reimbursement, preventive medicine programs, and 360° social assistance (accident, disability, life insurance, and Long Term Care) to member entities including banks, financial institutions, public institutions, and industrial/commercial companies. Members access services through the CaspieOnLine web portal, iOS/Android mobile apps, a call center, and a nationwide network of 3,000+ affiliated healthcare facilities, 23,000+ specialist doctors, and 2,300+ dentists.

Product overview

CASPIE is a supplementary health assistance fund offering integrated healthcare coverage for Italian public and private entities, with over 40 years of experience. The product portfolio centers on CaspieOnLine (web portal) and the CASPIE Mobile App as the primary digital access channels for members, supported by a nationwide network of over 3,000 healthcare facilities and 25,000+ medical specialists. Additional services include preventive medicine programs, tax advantage guidance, social assistance coverage (accident, life, and long-term care insurance), and enterprise-grade security with disaster recovery infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Supplementary Healthcare Membership Coverage Group supplementary healthcare fund coverage providing medical expense reimbursement and health benefits to member entities (banks, financial institutions, public institutions, companies) and their workers, retirees, and family members, complementing the Italian National Health Service (SSN).
• CaspieOnLine Web Portal

Quantifiable outcome

• Over 40 years of experience in supplementary healthcare since 1979.
• +4 more outcomes

Named customers1 record

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

Four partnerships are on record, tiered core and minor.

• Primary Italian IT Company (DRaaS Provider)coreTechnology or IntegrationDisaster Recovery as a Service (DRaaS) partnership with a leading Italian IT company. The provider offers a TIER 4 certified data center (ISO 27001:2014) located 500km away, providing near-zero real-time replication of CASPIE information systems. Data is immediately available in case of disaster.
• Google (Play Store)coreChannel Partner/ Reseller/ DistributorCASPIE mobile app is distributed through Google Play Store for Android devices. App allows members to access services on the go.
• Apple (App Store)coreChannel Partner/ Reseller/ DistributorCASPIE mobile app is distributed through Apple App Store for iOS devices. App allows members to access services on the go.
• Italian Banking Institution (Bank Vault)minorOthersEncrypted backup data stored on magnetic tapes kept in a safety deposit box within a bank vault for physical security of critical data.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• RBM Salute: RBM Salute is an Italian health insurance company (part of Intesa Sanpaolo group) that provides supplementary health coverage for bank and corporate employees, directly competing with CASPIE in the banking-sector health fund segment.
• UniSalute: UniSalute is an Italian health insurance company specialized in supplementary health coverage for UniCredit group and other corporate clients, operating in the same employer-sponsored supplementary healthcare segment as CASPIE with reimbursement services and provider networks.
• Generali Welion: Generali Welion is Generali Italia's dedicated health and welfare brand offering corporate health insurance and supplementary coverage to Italian employers, directly comparable to CASPIE's employee health benefit offerings.
• SanitAll: SanitAll is an Italian mutual health assistance fund (Fondo Sanitario Integrativo) providing supplementary healthcare coverage to corporate employee groups, operating in the same Italian Cassa di Assistenza Sanitaria category as CASPIE.

Emerging players

• Health Italia: Health Italia is an Italian healthcare services company operating in supplementary health and welfare through its subsidiaries, providing comparable health plan administration and provider network services to corporate clients.
• Net Insurance: Net Insurance is an Italian insurance company specializing in specialty lines including health and welfare products for corporate clients, offering comparable supplementary health coverage to niche segments that overlap with CASPIE.

Broad incumbents

• Reale Mutua: Reale Mutua is an Italian mutual insurance company offering group health and welfare products to corporate clients, serving as a larger incumbent in the broader employer-sponsored health insurance market where CASPIE operates.
• Poste Vita: Poste Italiane offers health and welfare insurance products through Poste Vita, reaching large employee bases in Italy with group health plans that overlap with CASPIE's corporate supplementary health offerings.
• AXA Italy: AXA Italy provides group health and welfare insurance products to corporate clients as part of its broader insurance portfolio, serving the same employer-sponsored health benefits market as CASPIE.
• Allianz Italy: Allianz Italy offers group health insurance products as part of its broader insurance portfolio, serving similar corporate clients to CASPIE with overlapping employee health benefit offerings but at larger scale and broader product range.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/caspie

Compliance4 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 CASPIE