consorzio mutue societa' di mutuo soccorso - ente del terzo settore

What consorzio mutue societa' di mutuo soccorso - ente del terzo settore does

Consorzio Mutue Società di Mutuo Soccorso – Ente del Terzo Settore is an Italian nonprofit mutual aid society founded in 1947 and headquartered in Novara. It provides supplementary healthcare assistance to individuals, families, and businesses, including reimbursement-based hospitalization and outpatient specialist coverage, diagnostic and laboratory services, hospital and home assistance, and selected free benefits for qualifying members. Its service delivery is supported by a network of more than 40 affiliated medical centers across Piedmont and Lombardy, while membership and reimbursement administration is centralized at the Novara office.

Revenue comes primarily from recurring annual membership contributions that vary by age and selected coverage; examples include €255 annually for complete hospitalization coverage for ages 30-44 and €280 for ages 45-55, with additional senior and outpatient options. Members may pay in one or three installments, and new members aged 0-29 receive a 10% first-year discount. Acquisition is predominantly direct, using one-to-one office consultations, employer outreach for corporate welfare, cultural events, social media, and member referrals. The operation is not described as technology-led: it has no public API, app, disclosed AI capability, or listed integrations.

Name

consorzio mutue societa' di mutuo soccorso - ente del terzo settore

Legal name

Società di Mutuo Soccorso Consorzio Mutue – Ente del Terzo Settore

Website

https://consorziomutue.novara.it

Company type

Private

Founded year

1947

Operating status

Operating

Short description

Consorzio Mutue is a member-governed Italian mutual aid society providing supplementary hospitalization and outpatient healthcare coverage, reimbursements, and direct access to over 40 affiliated medical centers in Piedmont and Lombardy to individuals, families, and businesses.

Ownership category

akta.pro rank

Product category

Supplementary Health Insurance

NAICS

Social Assistance (624), Civic and Social Organizations (813410)

SIC

Hospital & Medical Service Plans (6324), Services-Membership Organizations (8600)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industry

Hospitals, Clinics & Charitable Healthcare Providers (BPAGACAB)

Keywords

• Mutual health insurance
• Supplementary healthcare coverage
• Hospitalization reimbursement
• Corporate welfare programs
• Affiliated medical network

Headquarters

HQ city

Novara

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Annual Membership Contributions: Members pay annual contributions (contributi associativi) that vary based on the type of coverage selected. Contributions can be paid in a single installment or in three installments (with a 2% surcharge on the second installment and 3% on the third). Contributions fund the reimbursement of members' healthcare expenses and operational costs.

Pricing tiers

Go-to-market motion4 records

Distribution channels3 records

Marketing channels7 records

Core offering

Consorzio Mutue is a nonprofit mutual aid society (Società di Mutuo Soccorso) that funds supplementary healthcare coverage for members through annual associative contributions. Members receive direct and indirect reimbursements for hospitalizations, specialist outpatient visits, diagnostic tests, and laboratory analyses, settled directly at a network of over 40 affiliated medical centers in Piedmont and Lombardy. The organization also sells corporate welfare packages to employers for employee health benefits, and provides ancillary services such as hospital/home assistance, loyalty benefits, and complimentary annual commemorative books.

Product overview

Consorzio Mutue is a supplementary healthcare mutual aid society offering integrated health assistance services for individuals, families, and businesses in the Novara area. The core products include Assistenza Ricoveri Completa (hospitalization reimbursement coverage) and Assistenza Specialistica Ambulatoriale Completa (outpatient specialist coverage), which can be combined with add-on modules such as Assistenze Senior packages for members aged 60-75, Pacchetto Risparmio for cost-conscious members up to 60, and Pacchetto Minimo for young members up to 45. The Welfare Aziendale (Corporate Welfare) service extends coverage to employees of affiliated businesses. Additional offerings include hospital and home assistance services, free supplementary assistance for qualifying long-term members, and annual commemorative books (Libri Strenna) distributed to members. The organization operates a network of over 40 affiliated medical centers in Piedmont and Lombardy providing direct reimbursements.

Differentiator

Problem solved

Functional benefit

Products and services

• Assistenza Ricoveri Completa Core hospitalization reimbursement coverage for members, providing direct and indirect reimbursements for surgical interventions, complex procedures, therapies, and transplants in public and private facilities in Italy and abroad. Up to 90 days per year with maximum 30 continuous days per hospitalization. Available for members aged 30-44 at €255.00 and aged 45-55 at €280.00 annually.
• Assistenza Specialistica Ambulatoriale Completa Core outpatient specialist coverage for members, reimbursing expenses for diagnostic services, specialist visits, laboratory tests, and diagnostic investigations, with direct reimbursement available at affiliated medical centers. Includes a 90-day waiting period from contribution payment date for activation.
• Assistenze Senior A1, A2, B1, B2 Tailored hospitalization and outpatient coverage packages for members aged 60-75 (with enrollment age limits of 60, 65, 69, and 75 depending on the selected plan). Once enrolled, membership lasts for life. Available as four tiers (A1, A2, B1, B2) at varying contribution levels.
• Pacchetto Risparmio Cost-saving package offering diagnostic visits and analyses at advantageous conditions, available to members up to 60 years of age with access to affiliated private clinics.
• Pacchetto Minimo Entry-level package offering a wide range of services at advantageous prices, designed for young members up to 45 years of age.
• Welfare Aziendale Corporate welfare service that enables employers to offer healthcare coverage to employees and their families, including hospitalization, outpatient services, diagnostic visits, physiotherapy, and dental assistance. Sold to businesses of any size, sector, and revenue through direct outreach.
• Assistenze Ospedaliere e Domiciliari Hospital and home assistance providing specialized private personnel during hospitalization and after discharge, coordinated through affiliated assistance companies for members requiring extended care support.
• Assistenze Gratuite Free supplementary assistance services bundled with membership, including parent assistance during hospitalization or injury, hospitalized child assistance, ambulance transport, loss of self-sufficiency contribution, and dental assistance. Dental assistance is available to members with at least 3 years of continuous membership.

Quantifiable outcome

• Over 40 affiliated medical centers in Piedmont and Lombardy offering direct reimbursement services
• +4 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• FAI (Fondo per l'Ambiente Italiano)minorGTM or Marketing Partner · 21 March 2026Consorzio Mutue participates in FAI cultural heritage events (Giornate FAI di Primavera and FAI d'Autunno) as a supporting partner. The organization maintains informational booths at FAI events, distributing books and promotional materials to visitors. This partnership serves marketing and community engagement purposes, raising awareness among culturally-minded citizens in the Novara area.
• Circolo dei Lettori di NovaraminorStrategic or Co-development PartnerConsorzio Mutue hosts book presentation events at the Circolo dei Lettori venue. The partnership enables cultural event programming where the organization's publications are presented to members and the public, combining cultural promotion with membership engagement.
• Affiliated Medical Centers Network (Centri Convenzionati)coreTechnology or IntegrationNetwork of over 40 affiliated medical centers, laboratories, diagnostic facilities, and specialist clinics across Piedmont and Lombardy. Centers provide direct assistance services to members, enabling point-of-care service delivery and direct reimbursement processing. Includes major facilities such as Casa di Cura San Gaudenzio, Centro Diagnostico Cernaia (Affidea), Istituto Auxologico Italiano, and Auxologico Capitanio in Milan.
• Associazione Nazionale Città del VinominorOthersStefano Vercellotti, president of the Novara section of the Association, participated in a book presentation event for 'Il paesaggio del vino' at the Circolo dei Lettori. The association includes municipalities, regions, and provinces involved in wine production and cultural promotion related to wine territories.
• Ospedale Maggiore della Carità di Novara (118 Emergency Project)minorOthersConsorzio Mutue donated 5 ultrasound machines (ecografi) to support the POCUS 118 Project at the Novara Hospital's emergency service. The donation enables faster patient evaluation during home interventions and accident responses through mobile ultrasound equipment on ambulances.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Mutua Cesare Pozzo: One of Italy's largest Società di Mutuo Soccorso, providing supplementary healthcare and welfare services to individuals, families, and companies. Operates the same mutual-aid reimbursement model as Consorzio Mutue but at national scale.
• Insieme Salute: Italian cooperative-style healthcare assistance society serving individuals, families, and companies with supplementary health coverage. Closely comparable to a territorial mutue with subscription-based reimbursements and an affiliated medical network.
• CAMPA (Cassa Assistenza Mutua Previdenza Avvocati): Professional mutual assistance fund providing supplementary healthcare coverage to a defined membership. Operates the mutual-aid reimbursement model analogous to Consorzio Mutue but restricted to a professional cohort.

Broad incumbents

• UniSalute: Italy's largest dedicated supplementary health insurance company, part of Unipol Group. Competes for the same corporate welfare and individual supplementary-health budgets as Consorzio Mutue but with national network and insurance backing.
• RBM Salute: Large supplementary health fund serving corporate welfare programs across Italy via a wide affiliated network. Overlaps directly with Consorzio Mutue's Welfare Aziendale offering but at materially greater scale.
• Generali Welion: Generali Group's supplementary health and welfare platform offering corporate and individual health coverage with an extensive affiliated provider network nationwide. Direct competitor in the corporate welfare segment.
• Health Italia S.p.A. Italian healthcare services platform offering supplementary health plans and welfare solutions via affiliated networks. Targets overlapping individual and corporate customers with similar reimbursement products.

Regional players

• Società Generale di Mutuo Soccorso (SGMS): Historic Italian mutual aid society providing supplementary healthcare reimbursements. Operates on the same Società di Mutuo Soccorso legal framework as Consorzio Mutue and serves members with similar reimbursement products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/consorziomutue
• Instagraminstagram.com/consorziomutue

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 consorzio mutue societa' di mutuo soccorso - ente del terzo settore