Contact
- 24-hour emergency care 900 61 00 61
- Foreign +34 91 919 61 61
- Monday to Sunday from 8 a.m. to 10 p.m. 900 61 00 61
- Other ways to contact
What are mutual societies?
Social Security Collaborative Mutual Insurance Companies are private business associations set up under the authority of the Ministry of Inclusion, Social Security and Migration and entered in the Ministry's special Registry. Their main aim is to collaborate in the management of the Social Security System under the supervision and control of the aforementioned Ministry. They are non-profit organisations and their members assume joint liability in accordance with the criteria and within the scope established in this law.
Once they have been set up, Collaborative Mutual Societies with the Social Security Institute acquire legal personality and capacity to act towards the fulfilment of their purpose. Their field of action extends to the entire State.
Purpose of mutual societies
The purpose of Collaborative Mutual Societies with the Social Security Institute is the development of the following activities of the Social Security System through collaboration with the Ministry of Inclusion, Social Security and Migration:
- Management of financial assistance and healthcare, including rehabilitation, within the scope of protection against work-related accidents and occupational diseases of the Social Security Institute, as well as activities to prevent the same contingencies covered by the protective action.
- Management of the temporary disability allowance deriving from non-work related accidents and diseases.
- Management of the benefits for risk during pregnancy and risk during breastfeeding.
- Management of the financial assistance for cessation of activity of self-employed workers.
- Management of the benefit for the care of minors suffering from cancer or another serious disease.
- The other activities of the Social Security Institute that are legally assigned to them.
Work-related accidents and work-related illnesses of the Social Security Institute
Temporary disability resulting from non-work-related contingencies
Risk during pregnancy and risk during breastfeeding
Due to cessation in the activity of self-employed workers.
Care for Minors suffering from cancer or another serious disease.
The other activities of the Social Security Institute that are legally assigned to them
Key features
If as a result of the management carried out by a Mutual Society, income is greater than expenses, the difference will be given back to the Social Security Institute. This extra revenue is called surplus revenues and not profits, as in a private company.
The company can freely choose which mutual society to join or if it wants these contingencies to be covered by the Social Security Institute.
have at least 50 associated businesses and 30,000 insured workers and have a fee volume not lower than that which is legally determined (nowadays €9 million) and, finally, lend a deposit that is determined according to the volume of fees receivable.