Ente Mutuo Regionale

What Ente Mutuo Regionale does

Ente Mutuo Regionale is a Milan-headquartered, non-profit mutual aid society (Società di Mutuo Soccorso) registered as an Ente del Terzo Settore, founded in 1955 within the Unione Commercianti (now Confcommercio). It operates exclusively for members of Confcommercio associations across Lombardy (Milano, Lodi, Monza e Brianza, Bergamo and other Confcommercio territories), providing supplementary healthcare assistance to self-employed entrepreneurs, traders, professionals, and their families. The organization is structured as a mutual membership entity rather than an insurance company, with no profit motive; members pay periodic contributions and receive access to a structured portfolio of coverage tiers and an extensive affiliated provider network. The core offering comprises ten-plus plan tiers across two families: the Silver/Gold/Platinum premium plans and the B/C/D/Dplus progressive tiers, complemented by SMART and CARE plans targeting working professionals. Supporting products include 24/7 medical assistance, family extensions, an online quote calculator, and a member reserved area (Area Riservata) for authorizations and reimbursements.

The service delivery model is anchored on a contracted network of 800+ healthcare facilities across Lombardy — including clinics, hospitals, diagnostic centers, and specialist practices (notably Smart Clinic, CDM Health Care Casa di Cura San Camillo, and Centro Diagnostico Italiano) — accessed through membership in the Confcommercio ecosystem rather than through individual commercial acquisition. Distribution is primarily direct via the central Milan headquarters (Corso Venezia 49), provincial offices, phone contact center, and the online member portal; marketing is driven through the institutional Confcommercio channel, an editorial health blog (EnteMutuoInforma), and word-of-mouth within the Lombardy business community. A non-core extension is a 25%-discount travel-insurance offering via partner Imaway. The entity operates with a lean staff of approximately 20 employees, no disclosed funding rounds, and no M&A activity in the input data; financial information is not publicly disclosed, consistent with its non-profit mutual-aid status.

Name

Ente Mutuo Regionale

Legal name

Ente Mutuo Regionale Unione Confcommercio Società di Mutuo Soccorso ETS

Website

https://entemutuomilano.it

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

11–50 employees

Short description

Ente Mutuo Regionale is a Milan-based, non-profit mutual aid society founded in 1955 that provides supplementary healthcare coverage plans to entrepreneurs, professionals, and their families who are members of Confcommercio associations across Lombardy, supported by an 800-facility affiliated provider network.

Ownership category

akta.pro rank

Product category

Mutual Health Assistance / Supplementary Healthcare Coverage

NAICS

Social Assistance (624), Health Care and Social Assistance (62)

SIC

Services-Membership Organizations (8600), Services-Misc Health & Allied Services, Nec (8090)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Mutual health assistance
• Supplementary health coverage
• Mutual aid society
• Healthcare facility network
• Member health benefits

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Membership contributions: Ente Mutuo Regionale operates as a Società di Mutuo Soccorso (mutual aid society) without profit motive. Members pay periodic contributions in exchange for access to a range of supplementary health assistance services. The organization is not an insurance company and does not operate on a profit basis.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Ente Mutuo Regionale is a non-profit mutual aid society (Società di Mutuo Soccorso) that provides supplementary healthcare assistance exclusively to members of Confcommercio associations in Lombardy. Members enroll in one of multiple coverage plans (Silver, Gold, Platinum, B, C, D, Dplus, SMART, CARE) that grant access to a network of 800+ affiliated clinics, hospitals, diagnostic centers, and specialist practices across the region, backed by 24/7 medical assistance and an online member portal.

Product overview

Ente Mutuo Regionale is a mutual health assistance society (Società di Mutuo Soccorso) offering a comprehensive portfolio of healthcare coverage plans and services. The core offering consists of multiple coverage tiers: the Silver, Gold, and Platinum plans provide increasing levels of benefits; the B, C, D, and Dplus plans offer progressively enhanced coverage from basic to extended levels; and the SMART and CARE plans provide flexible coverage for working professionals and entrepreneurs. Supporting services include 24-hour medical assistance, family healthcare services, a network of 800 affiliated healthcare facilities across Lombardy, an online quote calculator, and the Area Riservata member portal. The organization operates as a non-profit mutual aid society, not a traditional insurance company, providing healthcare assistance exclusively to members of Confcommercio associations in Lombardy.

Differentiator

Problem solved

Functional benefit

Products and services

• Forma Assistenza Tipo Silver Intermediate-level healthcare coverage plan offering members access to affiliated medical facilities and services such as specialist visits, diagnostics, and reimbursements. Intended for Confcommercio members in Lombardy seeking supplementary health coverage.
• Forma Assistenza Tipo Gold Premium-level healthcare coverage plan offering broader coverage and access to an extensive network of affiliated medical facilities in Lombardy.
• Forma Assistenza Tipo Platinum Top-tier healthcare coverage plan offering the most comprehensive benefits and maximum coverage limits among the Silver/Gold/Platinum tier.
• Forma Assistenza Tipo B Entry-level healthcare coverage plan providing basic benefits for Confcommercio association members.
• Forma Assistenza Tipo C Mid-level healthcare coverage plan with moderate benefits and coverage limits for Confcommercio association members.
• Forma Assistenza Tipo D Healthcare coverage plan with enhanced benefits and higher coverage limits than the C tier.
• Forma Assistenza Tipo Dplus Extended healthcare coverage plan offering the highest benefits among the B-C-D-Dplus tier, with superior coverage limits.
• Forma Assistenza Tipo SMART Flexible healthcare coverage plan designed for working professionals and entrepreneurs, offering outpatient services at affiliated facilities at discounted rates.
• Forma Assistenza Tipo CARE Specialized healthcare coverage plan within the SMART & CARE family, offering targeted care benefits for Confcommercio members.
• Assistenza 24 Ore su 24 Round-the-clock medical assistance service, available 24 hours a day, 7 days a week, providing continuous healthcare support and guidance for Ente Mutuo members.
• Servizi per la Famiglia Family-oriented healthcare services offering coverage and benefits tailored for family members of enrolled Ente Mutuo members.
• Rete di 800 Strutture Convenzionate Network of 800 affiliated healthcare facilities across Lombardy, including outpatient care (ASA), hospital care, and day hospital services, providing members with accessible medical services at negotiated rates.
• Area Riservata (Member Portal) Online member portal providing secure access for members to manage authorizations, reimbursement requests, facility information, and member services, with a separate access channel for affiliated healthcare facilities.
• Calcola Preventivo Online quote calculator tool allowing prospective members to estimate costs and coverage options for the various healthcare assistance plans.
• Imaway Assicurazione Viaggio (Member Benefit) Travel insurance service offered in partnership with Imaway, available to Ente Mutuo members at a 25% discount, providing coverage during travel and accessed via the member portal.

Quantifiable outcome

• Access to 800+ affiliated healthcare facilities across Lombardy for member services

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core, major and minor.

• Confcommercio Lombardia (Milano, Lodi, Monza e Brianza)coreStrategic or Co-development PartnerEnte Mutuo Regionale was established in 1955 within Unione Commercianti (now Confcommercio) and serves exclusively members of Confcommercio associations in Milan, Lodi, Monza e Brianza, and other Lombardy Confcommercio territories. This is the core institutional partnership underpinning the entire membership model.
• 800+ Affiliated Healthcare Facilities in LombardycoreOthersEnte Mutuo Regionale maintains agreements with over 800 healthcare facilities across Lombardy including hospitals, clinics, diagnostic centers, and specialist practices. These affiliated facilities provide services to members at negotiated rates under the various assistance plans.
• Smart Clinic (Smart Clinic Milano Certosa, Smart Clinic Pieve Fissiraga)majorTechnology or IntegrationSmart Clinic is a network of outpatient healthcare facilities affiliated with Ente Mutuo Regionale, providing specialist consultations in areas such as general surgery, gastroenterology, dermatology, fertility assessments, prostate health, and sports medicine. They also offer diagnostic ultrasound and outpatient surgical procedures.
• CDM Health Care - Casa di Cura San Camillo (Milan)majorOthersCDM Health Care - Casa di Cura San Camillo is an affiliated healthcare facility in Milan, Via Mauro Macchi 5, where Ente Mutuo maintains a satellite office for member services including authorizations and reimbursements.
• Centro Diagnostico Italiano (Milan)majorOthersCentro Diagnostico Italiano is an affiliated diagnostic facility in Milan, Via Saint Bon 20, providing diagnostic imaging and laboratory services to Ente Mutuo members.
• ImawayminorGTM or Marketing PartnerImaway is a travel insurance provider available through the Ente Mutuo member portal. Members receive a 25% discount on Imaway travel insurance policies as a member benefit.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Allianz Care: Allianz Care provides international and domestic health insurance products including supplementary coverage for professionals, representing a broader incumbent alternative to Ente Mutuo's mutual aid model.
• Generali Italia: Generali is Italy's largest insurance incumbent with a broad life and health portfolio, including supplementary health products that compete for the self-employed and SME segment that Ente Mutuo targets through Confcommercio.
• UniSalute: UniSalute is Italy's leading specialized health insurance company (part of Unipol Group), offering supplementary health coverage to individuals and companies via a large affiliated network, competing with Ente Mutuo for the same self-employed and professional segment but with broader national scale.
• RBM Salute (Intesa Sanpaolo): RBM Salute is a major Italian health insurer acquired by Intesa Sanpaolo, providing supplementary health coverage to corporate and individual clients with a national facility network, overlapping with Ente Mutuo's offering for entrepreneurs and professionals.

Direct peers

• Fondo Est: Fondo Est is the national supplementary healthcare fund for employees of companies in the Confcommercio (terziario) sector, providing a directly comparable casse/sanità integrativa model for the same Confcommercio ecosystem that Ente Mutuo serves at the Lombardy regional level.
• QuAS – Cassa Assistenza Sanitaria Quadri: QuAS is an Italian casse di assistenza sanitaria providing supplementary health coverage for executives/quadri, with a comparable mutual-assistance-style model and overlapping healthcare facility network in Lombardy.
• Coopsalute: Coopsalute is an Italian cooperative mutual health assistance society offering supplementary healthcare services to members through affiliated provider networks, closely aligned with Ente Mutuo's mutual aid, no-profit operating philosophy.
• Sanimpresa: Sanimpresa is a mutual health assistance entity operating in the Confcommercio ecosystem, providing supplementary healthcare services to entrepreneurs and professionals in a structurally similar manner to Ente Mutuo Regionale.
• Società Nazionale di Mutuo Soccorso Cesare Pozzo: Cesare Pozzo is one of Italy's largest and oldest Società di Mutuo Soccorso, providing supplementary healthcare through a national network of affiliated facilities on a mutual aid (no-profit) basis, mirroring Ente Mutuo's core operating model.

Emerging players

• ConfSalute: ConfSalute is a supplementary health fund tied to Italian trade associations, providing health coverage to affiliated professionals and employees—comparable in member-segment focus to Ente Mutuo but anchored in different trade association ecosystems.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ente-mutuo-di-assistenza-tra-gli-esercenti-il-commercio-della-provincia-di-millano

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Ente Mutuo Regionale