companhia de seguros fidelidade-mundial sa portuguesa sucursal en españa

What companhia de seguros fidelidade-mundial sa portuguesa sucursal en españa does

Companhia de Seguros Fidelidade-Mundial SA Portuguesa Sucursal en España is the Spanish branch of Fidelidade, a Portuguese-founded multi-line insurer operating since 1808 and operating in Spain since 1995. From its Madrid regional headquarters, the branch distributes a comprehensive portfolio of insurance and savings products to individuals, SMEs, large enterprises, and pet owners. The product suite spans home insurance (primary, secondary, and rented residences under three tiers: Básico, Extra, Premium), life and disability insurance (Fidelidade Vida+ with capital up to €500,000), systematic savings plans (PIAS), commerce and enterprise multi-risk insurance covering 200+ commercial and 450+ enterprise activity types, civil liability coverage, and pet insurance (PET1 through PET VITAL tiers with 70% veterinary reimbursement and the Telepet 24/7 veterinary orientation service).

Underlying the offering is an insurance technology platform combining multi-channel customer access — a client portal (MY.FIDELIDADE.ES), broker portal (mediadores.fidelidade.es), mobile app, and dedicated phone service lines for claims, assistance, and sales — with modular product configuration across sub-segments such as hotels, pharmacies, offices, food retail, and fashion boutiques. The branch is registered with Spain's Dirección General de Seguros y Fondos de Pensiones (code E0118) and incorporates Consorcio de Compensación de Seguros coverage for extraordinary risks.

The business model is subscription-based and premium-recurring, generating revenue through annual or monthly insurance premiums across all product lines, plus management fees on the PIAS savings plan. Distribution is anchored by a nationwide broker/mediator network, complemented by direct online sales (notably for pet insurance), phone-based customer service, and a direct corporate sales team for Iberian Peninsula enterprise solutions. Since 2014, the parent group has been wholly owned by Fosun International Limited (HKEX: 00656), a Chinese multinational conglomerate, which provides capital for the group's international expansion across more than ten countries on four continents.

Name

companhia de seguros fidelidade-mundial sa portuguesa sucursal en españa

Legal name

FIDELIDADE-COMPANHIA DE SEGUROS, S.A.

Website

https://fidelidade.es

Company type

Private

Founded year

1808

Operating status

Operating

Short description

Fidelidade España is the Spanish branch of the Portuguese-founded Fidelidade insurance group (part of Fosun International since 2014), operating since 1995 to distribute multi-line insurance and savings products — home, life, commerce, enterprise, and pet — to individuals, SMEs, and large enterprises through a national broker network and direct channels.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411), Finance and Insurance (52)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Large Commercial Package (National Accounts) (FSAJAFAC), Commercial Umbrella Insurance (FSAJANAB)

Keywords

• Multi-line insurance
• Property insurance
• Life insurance
• Commercial insurance
• Pet insurance

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-Life Insurance (Seguros No Vida): Property and casualty insurance including home insurance (vivienda principal, secundaria, arrendada), commercial multi-risk policies for shops/offices/hotels/pharmacies/restaurants, industrial insurance, liability insurance, and pet insurance. Revenue generated through annual or multi-year insurance premiums.
2. Life Insurance (Seguro de Vida): Life and disability risk insurance (Fidelidade Vida+) with coverage up to €500,000, renewable annually, optionally linked to personal loans or mortgages. Premium revenue from individual policyholders.
3. Savings and Investment (Ahorro e Inversión - PIAS): Individual Systematic Savings Plan (PIAS) providing variable returns through investment baskets (conservative, moderate, aggressive). Generates revenue through management fees and premium contributions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Fidelidade España operates as a multi-line insurance provider offering property, life, commercial, industrial, liability, and pet insurance products to both individuals and businesses in Spain. The company is the Spanish branch of the Portuguese insurer Fidelidade, originally founded in 1808, and has operated in Spain since 1995. Its portfolio is divided into dedicated individual (PARTICULARES) and business (EMPRESAS) lines, supported by an online client portal (MY.FIDELIDADE.ES).

Product overview

Fidelidade España operates as a multi-line insurance provider offering a comprehensive portfolio of personal, business, and pet insurance products. The product ecosystem is organized into three main categories: Personal insurance (Vivienda Principal, Vivienda Secundaria, Vivienda Arrendada for home coverage; Vida+ for life and disability; PIAS for systematic savings); Business insurance (Hostelería, Oficinas y Despachos, Alimentación, Boutique y Moda, Farmacia for commerce segments; Empresa Multirriesgo and Todo Riesgo Industrial for enterprises; Responsabilidad Civil for civil liability); and Pet insurance (Pets with PET1, PET2, PET3, PET VITAL tiers plus Telepet service). All products are supported by the MY.FIDELIDADE.ES client portal for policy management and claims processing.

Differentiator

Problem solved

Functional benefit

Brands

• Fidelidade Vida+: Individual life and disability risk insurance with coverage for death from any cause and permanent absolute disability.
• Fidelidade Plan Ahorro Futuro (PIAS)
• Fidelidade Pets
• Fidelidade Alimentación
• Fidelidade Hostelería
• Fidelidade Boutique y Moda
• Fidelidade Farmacia
• Fidelidade Empresa

Products and services

• Vivienda Principal Insurance
• Vivienda Secundaria Insurance
• Vivienda Arrendada Insurance
• Vida+ Insurance
• PIAS (Planes Individuales de Ahorro Sistemático)
• Multirriesgo Empresa Insurance
• Todo Riesgo Industrial Insurance
• Responsabilidad Civil Insurance
• Sector-Specific Commercial Insurance (Hostelería, Oficinas, Alimentación, Boutique, Farmacia, Comercio)
• PET1 Insurance
• PET2 / PET3 / PET VITAL Insurance
• Telepet Service
• MY.FIDELIDADE.ES Client Portal

Quantifiable outcome

• 30.2% market share in Portugal (2023), including 31.0% in life insurance and 29.5% in non-life insurance
• +4 more outcomes

Named customers3 records

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.

• UNESPA (Asociación Empresarial del Seguro)coreGTM or Marketing Partner · 1 January 2016Fidelidade participates in the UNESPA-led 'Estamos Seguros' (We Are Insured) program, a sector-wide initiative to increase insurance transparency, public awareness, and demonstrate the industry's value to society. The program includes commitments to reduce claim resolution times to 30 days and reduce judicial disputes.
• Chinese Chamber of Commerce in SpainminorGTM or Marketing PartnerFidelidade has developed a Chinese-language website section and targeted marketing for the Chinese community in Spain, being recognized as an 'Excellence Partner' (2019) and receiving the ACHE Innovation Award (2019) for services to the Chinese resident community.
• Consorcio de Compensación de SeguroscoreStrategic or Co-development PartnerFidelidade insurance policies include coverage for extraordinary risks, which are covered by the Spanish Insurance Compensation Consortium (Consorcio de Compensación de Seguros). This is a public corporation that covers extraordinary events not assumed by private insurers.
• Banco Caixa Geral (France)coreChannel Partner/ Reseller/ DistributorFidelidade offers life and non-life insurance through the CGD (Caixa Geral de Depósitos) banking network in France, targeting Portuguese descendants and Portuguese companies operating in France.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Generali: Global insurer operating in Spain via Generali España, providing P&C, life and SME covers. Comparable multi-line offering though positioned as a broad European incumbent.
• Allianz: Global multi-line insurer with Spanish operations offering home, auto, life and commercial covers. Comparable product portfolio delivered as part of a broader global portfolio.
• Zurich Insurance: Global multi-line insurer with a sizeable Spanish subsidiary (Zurich Seguros). Comparable multi-line offering to SMBs and corporates but as a broad incumbent rather than a Spain specialist.
• AXA: Global multi-line insurer with a Spanish subsidiary offering home, auto, life, health and commercial covers. Comparable multi-line breadth delivered through a global brand and broad distribution network.

Direct peers

• Mutua Madrileña: Major Spanish multi-line mutual insurer with strong auto and home insurance franchises. Comparable in product mix, distribution via mediators, and focus on individuals and SMBs in Spain.
• Caser: Spanish multi-line insurer (P&C, life, health) serving individuals, SMEs and corporates. Comparable product breadth and Spain-only operating footprint.
• SegurCaixa Adeslas: Spanish multi-line insurer with bancassurance distribution (CaixaBank). Comparable multi-branch product portfolio serving individuals and businesses, and a similar mix of P&C, life and health covers.
• Catalana Occidente: Spanish insurance group with multi-line P&C, life and credit insurance distributed through a strong broker network (e.g., Plus Ultra, Seguros Bilbao). Highly comparable in broker-led go-to-market and SMB focus.
• Mapfre: Spain's largest multi-line insurer offering P&C, life, auto and commercial lines to individuals and SMBs. Directly comparable as a Spanish-headquartered carrier competing for the same mediator/broker channel and customer segments.

Emerging players

• Línea Directa: Spanish digital-first insurer historically focused on auto but expanding into home. Comparable as a Spanish-headquartered, multi-channel carrier competing for the same households and SMB customers, with stronger digital positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fidelidade-es

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries11 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 companhia de seguros fidelidade-mundial sa portuguesa sucursal en españa