What Cooperazione Salute does

Cooperazione Salute Società di Mutuo Soccorso is a non-profit mutual health society headquartered in Trento, Italy, operating as the national mutual health fund of Confcooperative, Italy's largest cooperative confederation. The organization provides supplementary healthcare coverage to cooperatives, companies, and individuals through a portfolio of more than 170 distinct health plans, organized into contractual welfare plans tied to national collective bargaining agreements (CCNL), corporate welfare plans (Salute Oggi, Salute Domani, Salute Sempre tiers priced from €84 to €840 per employee annually), specialized social cooperative plans (Piano Sanitario 2025, Piano TreOttoUno), and a 4YOU individual and family sub-brand launched in 2024. As of the most recent disclosures, the membership base encompasses 370,000+ insured persons.

Name

Cooperazione Salute

Legal name

Cooperazione Salute Società di Mutuo Soccorso

Website

https://cooperazionesalute.it

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cooperazione Salute is an Italian non-profit mutual health society serving 370,000+ members across cooperatives, companies, and individuals with 170+ supplementary health plans and a 4,600+ facility proprietary healthcare network.

Ownership category

akta.pro rank

Product category

Supplementary Health Insurance

NAICS

Voluntary Health Organizations (813212), Civic and Social Organizations (813410)

SIC

Services-Membership Organizations (8600), Services-Social Services (8300)

akta.pro primary industry

Federated Giving Organizations (e.g., United Way-type) (BPAGAKAG)

Keywords

• Supplementary health insurance
• Mutual health society
• Corporate welfare plans
• Cooperative healthcare coverage
• Healthcare reimbursement services

Headquarters

HQ city

Trento

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, Others

Revenue model

1. Annual Health Plan Subscriptions: Cooperazione Salute generates revenue through annual membership contributions paid by enterprises (cooperatives and companies) for their employees, and by individuals for family coverage. The company is a non-profit mutual society (Società di Mutuo Soccorso) that reinvests resources to improve benefits and health plans for members.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Cooperazione Salute is a non-profit mutual aid society (Società di Mutuo Soccorso) affiliated with Confcooperative that provides supplementary healthcare coverage to cooperatives, businesses, and individuals. The organization offers contractual welfare plans that fulfill collective bargaining agreements, corporate welfare plans, and voluntary individual/family plans, leveraging a proprietary network of more than 4,600 affiliated healthcare facilities. Members can access services through direct billing assistance (Forma Diretta) and reimbursement processing (Forma Indiretta), typically settled within 60 days.

Product overview

Cooperazione Salute is a national mutual healthcare society (Società di Mutuo Soccorso) affiliated with Confcooperative, offering supplementary healthcare coverage through a multi-tier product portfolio. The core offerings include contractual welfare plans (Welfare Sanitario Contrattuale) for workers under collective agreements, corporate welfare plans (Salute Oggi, Salute Domani, Salute Sempre series), and specialized plans for social cooperatives (Piano Sanitario 2025, Piano TreOttoUno). Members access services through two assistance modalities: Forma Diretta (direct booking at affiliated network facilities) and Forma Indiretta (reimbursement-based care at any provider). The company operates a proprietary healthcare network (Network Sanitario) of over 4,600 affiliated facilities across Italy. Additional products include Long Term Care (LTC) for non-self-sufficiency, the 4YOU individual plans sub-brand, and a mobile app for managing reimbursements and accessing services. Through mutualità mediata arrangements, Cooperazione Salute also provides administrative services to regional mutuals (Mutua CST, Campa, Mutua Help Alto Adige, Mutua POS Puglia) sharing organizational infrastructure.

Differentiator

Problem solved

Functional benefit

Brands

• 4YOU: Product line of four individual/family health plans: 4YOU SALUTE, 4YOU SALUTE FAMIGLIA, 4YOU SOSTEGNO, and 4YOU SOSTENGO FAMIGLIA
• Salute Oggi
• Salute Domani
• Salute Sempre
• Piano TreOttoUno
• Piano Sanitario 2025 Cooperative Sociali

Products and services

• Welfare Sanitario Contrattuale

Quantifiable outcome

• 370,000+ members served with over 170 health plans
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

13 partnerships are on record, tiered regional, minor and core.

• Mutua Help (Alto Adige)regionalChannel Partner/ Reseller/ DistributorMutual Help is a Mutual Aid Society that, in collaboration with Cooperazione Salute, offers services and subsidies in the socio-health sector for citizens and employees/workers of companies residing in Alto Adige. Operates under mutual intermediation arrangement.
• Campa (Emilia Romagna)regionalChannel Partner/ Reseller/ DistributorCampa, a historic Mutual Aid Society operating since 1958, manages members affiliated with the Confcooperative Emilia Romagna system under mutual intermediation with Cooperazione Salute.
• Mutua CST (Trentino)regionalChannel Partner/ Reseller/ DistributorCooperazione Salute Trentino has managed since 1997 health plans dedicated to agricultural, credit, consumption, social, services and production labor sectors, for members, families, and partners.
• Mutua POS (Puglia)regionalChannel Partner/ Reseller/ DistributorP.O.S. (Programma Obiettivo Salute) is a territorial mutual promoted by Confcooperative Puglia and Cooperazione Salute to support workers, partners, and families.
• SanifondsminorChannel Partner/ Reseller/ DistributorTerritorial mutual health fund operating under mutual intermediation arrangement with Cooperazione Salute.
• MutuaArtieriminorChannel Partner/ Reseller/ DistributorTerritorial mutual health fund operating under mutual intermediation arrangement with Cooperazione Salute.
• Rete Veneta SMSminorChannel Partner/ Reseller/ DistributorTerritorial mutual network in Veneto operating under mutual intermediation arrangement with Cooperazione Salute.
• Cassa Mutua TrentinaminorChannel Partner/ Reseller/ DistributorTerritorial mutual health fund in Trentino operating under mutual intermediation arrangement with Cooperazione Salute.
• Assicura Agenzia / AssicareminorGTM or Marketing PartnerIn collaboration with Assicura Agenzia, Cooperazione Salute designed supplementary health coverage dedicated to partners and account holders of banks, associations, intermediaries and employees of distributors, including their families, as well as clients of Assicura Agenzia.
• Banca Etica / EticareminorGTM or Marketing PartnerThrough collaboration with Banca Etica, supplementary health coverage was designed dedicated to partners and customers of Banca Etica and their families.
• ConfcooperativecoreStrategic or Co-development PartnerCooperazione Salute is the national mutual health fund of Confcooperative, Italy's largest cooperative organization. Confcooperative Sanità, Confcooperative Federsolidarietà, and regional Confcooperative structures collaborate on health plan development and promotion.
• Credima 360 (Friuli Venezia Giulia)regionalGTM or Marketing PartnerMutual of Banca 360 FVG collaborating with Cooperazione Salute and Confcooperative Alpe Adria in promoting the Rigeneriamo gender medicine awareness campaign in Friuli Venezia Giulia.
• Confcooperative Alpe AdriaregionalGTM or Marketing PartnerRegional Confcooperative structure in Friuli Venezia Giulia collaborating with Cooperazione Salute and Credima on the gender medicine awareness campaign.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• UniSalute: UniSalute is Italy's largest dedicated supplementary health insurance company (part of Unipol Group), offering health plans to individuals, companies, and CCNL-contracted workers. Directly comparable as an Italian supplementary health fund serving cooperative, corporate, and individual segments with a network of affiliated facilities.
• EMAPI: EMAPI is the mutual aid society for engineers and architects (Inarcassa members), providing supplementary health coverage to a professional cohort. Comparable as a non-profit mutual society (similar Societ\u00e0 di Mutuo Soccorso model) providing supplementary health benefits to an affiliated membership base.
• San.Arti. San.Arti. is the contractual health fund for artisans and similar categories under CCNL. Directly comparable as a CCNL-driven bilateral mutual health fund providing supplementary coverage with affiliated provider networks and reimbursement modalities.
• CASAGIT: CASAGIT is the mutual health fund for Italian journalists, providing supplementary coverage with affiliated healthcare and dental facilities nationwide. Comparable as a mutual-aid health fund serving a specific professional/cohort with a proprietary network of affiliated providers and reimbursement modalities.
• RBM Salute: RBM Salute was Italy's leading contractual health fund (now part of Intesa Sanpaolo Salute) serving multiple CCNLs with direct and indirect reimbursement via an affiliated provider network. Directly comparable as a major Italian supplementary health fund operating via CCNL mandates and a national affiliated network.
• Metasalute: Metasalute is the bilateral contractual health fund for metalworkers and related sectors under CCNL. Directly comparable as a CCNL-mandated mutual health fund providing supplementary coverage to a defined worker collective with affiliated provider networks.
• Fondo Est: Fondo Est is the bilateral contractual health fund for workers in commerce, tourism, and services under related CCNLs. Directly comparable as a CCNL-mandated mutual health fund providing supplementary coverage to a defined worker cohort — Cooperazione Salute serves an analogous cooperative-sector contract mandate.
• FASDAC: FASDAC is the mutual health assistance fund for managers in commerce, tourism, and services. Directly comparable as a national Italian mutual providing supplementary health coverage to an affiliated professional/managerial membership through affiliated provider networks.

Broad incumbents

• Generali Salute: Generali offers supplementary health insurance products in Italy through Generali Italia and the broader corporate welfare portfolio. Comparable as an incumbent offering group/individual health plans with affiliated networks, but operating as part of a broad insurance conglomerate rather than specializing as a cooperative mutual.

Emerging players

• Mutua Mba: Mutua MBA is an Italian mutual health society offering supplementary plans to individuals, families, and enterprises with a network of affiliated facilities. Comparable as a smaller, growth-stage Societ\u00e0 di Mutuo Soccorso serving overlapping cooperative/corporate segments with provider network and reimbursement services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cooperazionesalute
• LinkedInlinkedin.com/company/cooperazione-salute

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Cooperazione Salute