Distribution Policy

iSalud Insurance Distribution Policy Purpose

ISALUD HEALTH SERVICES SL acts as an insurance mediator between the insurer and the policyholder, ensuring that the customer receives a truthful and transparent information from the most trained professionals in the sector.

This role of mediator is currently regulated by Royal Decree-Law 3/2020, of 4 February, on urgent measures by which various directives of the European Union in the area of public procurement in a number of fields are incorporated into the Spanish legal system; private insurances; pension plans and funds; in the area of taxation and tax litigation. And in compliance with said regulations, we provide you this Insurance Distribution Policy, which offers you details about the products we distribute and the relationship we have with insurance companies.

Mediator’s identity and address

ISALUD HEALTH SERVICES SL, is a Linked Insurance Agency (hereinafter the MEDIATOR or iSalud), with Tax ID number B-65239923 and registered address Calle Cedaceros, 10 (28014) Madrid and address for notification purposes at C/Milanesat, 25-27, 5a planta, 08017 Barcelona.

Selection and Comparison Criteria for Insurance Company Products

In order to classify the most suitable products for the customers, the cover policies indicated by the insurance companies for which iSalud mediates are taken into account, as well as a classification of the appropriate products for the customer needs. Likewise, it is given a ranking of products by price.

Insurance Companies with which iSalud has an agency contract

iSalud, as a Linked Insurance Agency, carries out its mediation activity on behalf of insurance companies with which it currently has an agency contract. iSalud currently mediates the following insurance companies:

C0016 - AURA, SOCIEDAD ANONIMA DE SEGUROS
C0031 - CAJA DE SEGUROS REUNIDOS, COMPAÑIA DE SEGUROS Y REASEGUROS, S.A. (CASER)
C0039 - ZURICH VIDA, COMPAÑIA DE SEGUROS Y REASEGUROS, S.A.
C0058 - MAPFRE ESPAÑA, COMPAÑIA DE SEGUROS Y REASEGUROS, S.A.
C0109 - ALLIANZ, COMPAÑIA DE SEGUROS Y REASEGUROS, S.A.
C0124 - SEGURCAIXA ADESLAS, SOCIEDAD ANONIMA DE SEGUROS Y REASEGUROS
C0161 - DKV SEGUROS Y REASEGUROS, SOCIEDAD ANONIMA ESPAÑOLA
C0320 - SANITAS, SOCIEDAD ANONIMA DE SEGUROS
C0461 - ASISA, ASISTENCIA SANITARIA INTERPROVINCIAL DE SEGUROS, S.A., SOCIEDAD UNIPERSONAL
C0467 - LIBERTY SEGUROS, COMPAÑIA DE SEGUROS Y REASEGUROS, S.A.
C0517 - PLUS ULTRA SEGUROS GENERALES Y VIDA, S.A. DE SEGUROS Y REASEGUROS
E0160 - CNP ASSURANCES SUCURSAL EN ESPAÑA
C0613 - REALE SEGUROS GENERALES, S.A.
C0784 - REALE VIDA Y PENSIONES, SOCIEDAD ANÓNIMA DE SEGUROS
C0711 - AXA AURORA VIDA, S.A. DE SEGUROS Y REASEGUROS
C0715 - ASEFA S.A., SEGUROS Y REASEGUROS
C0723 - AXA SEGUROS GENERALES, S. A. DE SEGUROS Y REASEGUROS
C0724 - AXA VIDA, SOCIEDAD ANONIMA DE SEGUROS Y REASEGUROS
C0785 - VERTI ASEGURADORA, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A.
E0133 - CIGNA LIFE INSURANCE COMPANY OF EUROPE S.A., SUCUR SAL EN ESPAÑA
E0189 - ZURICH INSURANCE PLC SUC.ESPAÑA
M0050 - PELAYO, MUTUA DE SEGUROS Y REASEGUROS A PRIMA FIJA
M0083 - MUTUA MADRILEÑA AUTOMOVILISTA, SOCIEDAD DE SEGUROS A PRIMA FIJA
M0134 - FIATC, MUTUA DE SEGUROS Y REASEGUROS
0009 - MÚTUA MANRESANA MUTUALITAT DE PREVISIÓ SOCIAL (MÚTUACAT). (Entered into R.M.P.S.V.C. with no. 9). (Catalonia)

Since iSalud can sign new distribution agreements with new insurance companies, please check this information periodically given that the data of the aforementioned insurance companies will be duly updated.

Percentage interest in the capital or voting rights of an insurance company or insurance mediator.

Montparvie IV SAS company, belonging to the insurance Assurances Group, has a holding, direct or indirect, representing more than 10% of the voting rights or capital stock of iSalud. iSalud doesn’t have a holding, direct or indirect, representing more than 10% of the voting rights or of the capital in a given insurance company.

The nature of remuneration received

In the marketing of insurance, iSalud receives a commission from the insurance company, included in the insurance premium, and may also receive some additional types of remuneration or economic benefits from it.

Insurance price guarantee

The prices that iSalud indicates to customers are final prices with respect to the initially indicated premium, without additional charges.

Information update frequency

The information will be updated depending on the regulatory changes that may apply to it, as well as when a change that affects its content is approved internally, with which we recommend that you periodically consult this information.

The information contained in this policy is updated as of October 08th, 2021.