Sustainability
Environmental, Social and Governance (ESG) Criteria
At Mutua Universal, sustainability is understood as our contribution to improving the health and wellbeing of individuals, society and the planet.
Through its actions across the social, environmental and governance spheres, the organisation helps to foster the welfare state and move towards a more inclusive, competitive, productive and healthy society and economy.
- We seek to promote an efficient and responsible management of resources while minimising the impact on the planet.
- We do so by acting in an ethical, transparent and responsible manner, and by strengthening engagement and dialogue with stakeholders in order to meet their expectations and needs.
- Having certifications, internal policies and management systems in place help to maintain commitment, efficiency and good governance, while also contributing to the achievement of the Sustainable Development Goals.
Environmental Criteria
Mindful of the impact of all its actions on the planet, Mutua Universal takes responsibility for looking after its surroundings and the environment, a commitment it demonstrates through initiatives and awareness-raising campaigns, as well as responsible policies and projects.
The Environmental Management System certified according to the ISO 14001 standard, the environmental policy, the various awareness-raising and responsible consumption campaigns, and the application of energy efficiency principles at the organisation’s facilities are some of the measures through which Mutua Universal works to protect the environment.
Throughout 2025, the organisation continued to work towards its corporate environmental objectives, seeking to implement measures by mutual agreement that will strengthen its environmental commitment and enable it to make progress across the board in meeting these objectives.
The company plans strategic environmental awareness-raising annually through its Corporate Social Responsibility department in collaboration with the Environment and Communications departments. The company thus raised awareness about the following important environmental dates in 2025:
28 JANUARY
International Reducing CO₂ Emissions Day
5 MARCH
World Energy Efficiency Day
22 MARCH
World Water Day
17 MAY
World Recycling Day
5 JUNE
World Environment Day
24 OCTOBER
International Day Against Climate Change
Environmental Management System
The organisation boasts an Environmental Management System certified according to the ISO 14001 standard, implemented across all its sites, which systematises the environmental aspects arising from each of the activities it carries out.
Recycling and waste management
Over the past year, the organisation’s recycling and waste management system at its workplaces has been improved, aiming to manage resources more sustainably and minimise the volume of waste the company generates.
Donation System
In 2025, the mutual insurance company continued collaborating with non-profit organisations that support disadvantaged groups or individuals at risk of social exclusion. Through its long-standing internal donation system, in place for over a decade, furniture, equipment and materials that are no longer in use or have been written off are repurposed and given a second life.
Social Criteria
Social Work
Mutua Universal offers its patients and their families a social work service that addresses the social and psychosocial needs that may arise or be exacerbated following an accident at work or an occupational disease. This service not only provides psychological and social support, but also information and advice, aiming to jointly assess the various support options available, both from the mutual insurance company itself and from the national, regional and local social services networks.
To achieve these objectives, we draw on our empathy and our understanding of our patients and their circumstances, providing professional and innovative support while maintaining a people-centred approach and a sense of warmth.
THE SOCIAL WORK TEAM AT MUTUA UNIVERSAL
- This team assesses, advises and reports on all social factors that may influence health outcomes.
- It offers alternatives or solutions to the difficulties or problems arising from an accident at work or an occupational disease.
- The team helps to prevent any potential disruptions that may arise within the family as a result of ill health.
- It promotes social and job market reintegration.
SOCIAL WORK ACTIVITY IN 2025
- During 2025, 1,870 new cases were referred to the organisation’s social work service for assessment, diagnosis and action planning.
- A total of 8,024 consultations were carried out, including face-to-face, hospital-based, telephone, telemedicine and administrative consultations.
Social and job market reintegration
With more than 10 years of experience, Mutua Universal’s labour reinsertion programme addresses the needs of individuals who, as a result of a workplace accident or occupational disease, are left with a degree of disability that prevents them from returning to their previous role and/or have lost their job during the recovery process. It also supports individuals and families facing risk of social exclusion.
The social and labour market reintegration programme has enabled 32 per cent of those taking part in the project to re-enter the labour market.
Special Benefits Committee
This committee is a consultative body featuring representatives of workers, appointed by the trade union confederations, and representatives of member employers and self-employed people.
Its role is to manage Mutua Universal’s Social Assistance Fund, assessing and addressing cases of unforeseen hardship resulting from workplace accidents or occupational diseases.
This measure is in accordance with the provisions of the Regulations on mutual insurance companies collaborating with the Social Security system, approved by Royal Decree 1993/1995 of 7 December, and amended by Royal Decree 453/2022 of 14 June, which regulates the range of social benefits, eligible recipients and eligibility criteria.
During 2025, the Special Benefits Committee processed 283 applications, awarding social benefits totalling more than 150,000 euros.
15th anniversary of the Responsible Job Insertion Forum
Mutua Universal attended the fifteenth anniversary of the Responsible Job Insertion Forum, a platform run by the ONCE Foundation, with which the mutual insurance company has been collaborating since 2023. The forum, comprising 140 companies, aims to encourage the recruitment of people with disabilities and to promote the strategic management of diverse talent.
Focus group #WhereAreWomen
To mark the 40th anniversary of Spain joining the European Union, the European Parliament’s Office in Spain organised a focus group on 27 November seeking to reflect on progress made in the area of equality.
Mutua Universal took part in the forum, which recognises the work it has carried out in the field of equality and raises the profile of the collective effort to foster a corporate culture based on equity, inclusion and diversity.
Diversity and Inclusion
In line with its commitment to sustainability, Mutua Universal promotes respect for diversity and fosters inclusive and participatory environments.
Initiatives such as the publication of a Policy on Respect for the Individual and their Diversity, adherence to the Diversity Charter, procuring goods and services from specialist employment centres, and entering into work placement agreements with people with disabilities are just some of the initiatives that demonstrate the organisation’s commitment to building a more inclusive, fair and responsible society.
Diversity Plan
- In the past year, the mutual insurance company has continued to implement its Diversity Plan, a strategic initiative bringing together all of its diversity management efforts under one framework, with the aim of becoming a more inclusive organisation and generating greater value across all areas of activity.
Women in the Workplace Observatory
- Over the past financial year, Mutua Universal presented the eighth edition of the Women in the Workplace Observatory – an annual study produced in collaboration with Fundación Personas y Empresas, which analyses women’s activity and presence in the workplace – at numerous locations across Spain and at the European Parliament’s office in Spain.
Social Campaigns
As part of its commitment to society, Mutua Universal runs both internal and external social campaigns to support groups at risk of social exclusion.
- For the ninth consecutive year, teams from the organisation took part in the Magic Line charity walk organised by Obra Social San Juan de Dios, which aims to raise funds to improve the quality of life of people in vulnerable situations.
- Announcement of a Sant Jordi Solidarity event, publicising the locations where charity roses would be on sale during Sant Jordi Day in 2025.
- On 12 December, the conference entitled “Values that Transform” took place at the Javier Romero Auditorium at Mutua Universal. The session, organised in collaboration with the ONCE Foundation, featured Paralympic swimmer Carla Casals, who addressed key issues relating to values, diversity and inclusion.
Collaboration with the Spanish Association Against Cancer
Mutua Universal is joining the Spanish Association Against Cancer (AECC) campaign to raise the profile of its work and support the association, as well as to raise awareness of the importance of cancer research and early diagnosis.
“It’s in your hands” campaign
All our workplaces have joined the ONCE Foundation’s “It’s in your hands” campaign, which includes a dedicated helpline to support women with disabilities who are victims of gender-based violence in rebuilding their lives through training and inclusion in the labour market.
Third Diversity Week
In 2025, the organisation joined in the celebrations for European Diversity Month by launching its third Diversity Week, an initiative aimed at raising awareness of its commitment to five key areas of diversity: gender, age, cultural, disability and LGBTIQ+ diversity.
Partnership with ONCE Foundation
ONCE Foundation and Mutua Universal have signed the Inserta agreement to promote the recruitment of people with disabilities. Joining this agreement reflects a commitment to diversity and inclusion in order to achieve a more equal and tolerant society.
Renewal of the Diversity Charter
In 2025, Mutua Universal secured the renewal of the Diversity Charter awarded by the Fundación Diversidad for its contribution to upholding the ten European principles, which reflects Mutua Universal’s commitment to promoting equal opportunities in the workplace, regardless of gender, age, ethnic origin, disability, sexual orientation or any other individual or cultural characteristic.
Renewal of the Bequal seal
The mutual insurance company has renewed its Bequal Plus accreditation, awarded by Fundación Bequal, which certifies the organisation’s policy on the inclusion of people with disabilities.
Social Responsibility of Aragón Seal
In 2025, the organisation has retained the Social Responsibility of Aragón seal, a distinction awarded by the Government of Aragón through the Aragonese Institute for Economic Development, which recognises organisations committed to implementing policies aimed at improving and promoting good business management practices across all aspects of corporate social responsibility.
Important dates
We can also raise awareness about certain social issues by publicising significant dates, both internally within the organisation and externally among our other stakeholders.
International Day for the Elimination of Violence against Women
In 2025, Mutua Universal joined the campaign for the International Day for the Elimination of Violence against Women (25 November) to raise awareness about violence against women and girls worldwide, highlighting the organisation’s support for the Puntos Violeta initiative and the educational module entitled “Detection and prevention of gender-based violence in the healthcare sector”.
International Day of Persons with Disabilities
On 3 December, an awareness-raising campaign was held to highlight Mutua Universal’s commitment to promoting inclusion, rights and the wellbeing of people with disabilities.
Furthermore, seeking to raising awareness of the harmful effects of discrimination in all its forms and promote inclusion and respect for diversity, the mutual insurance company marked International Zero Discrimination Day on 1 March, seeking to promote equal rights and opportunities for all people, regardless of their ethnic origin, nationality, religion, sex, gender, sexual orientation, gender identity or expression, age, disability or any other individual, social or cultural characteristic.
International LGBTIQ+ Pride Day
At Mutua Universal, we understand diversity as a source of value. We believe that respecting diversity is the only way to create an increasingly inclusive world. Consequently, on 28 June, the organisation joined in the celebrations for International LGBTIQ+ Pride Day, also known as Gay Pride Day, by displaying the rainbow colours of the LGBTIQ+ flag on its corporate logo as a sign of commitment to and respect for the rights of people who form part of this group.
Mutua Universal continues to work on developing measures to promote non-discrimination and equal treatment. Some of the actions or initiatives that the company has already undertaken include: updating the Declaration on Respect for the Individual and their Diversity, signing the Diversity Charter, creating an internal guide to inclusive communication, launching a new diversity section on the organisation’s intranet, the production of a short self-learning module on LGBTIQ diversity available to all staff, and the creation of a Diversity Mailbox by the organisation’s Corporate Social Responsibility Department.
Governance Criteria
Committed to the ethical management of the organisation, Mutua Universal has implemented internal control and risk management functions, procedures and tools that far exceed the legally required standards.
Risk management and internal control
Since 2012, the organisation has had an Internal Risk Management System in place which ensures strict compliance with regulations in the pursuit of the mutual insurance company’s strategic objectives. This system, which is integrated across the organisation’s key processes and aligned with the principles of good governance, internal control and ongoing improvement, enables the organisation to identify, assess, manage and control the main risks to which it is exposed.
Mutua Universal’s Internal Risk Management System includes an Internal Financial Information Control System (SCIIF) which ensures the legality and reliability of such information, enabling the identification, assessment and mitigation of relevant risks while strengthening accountability and transparency.
The organisation also has controls in place to prevent corruption and fraud, including the introduction of special performance clauses as part of the procurement process that enable such activities to be monitored and tracked, as well as controls designed to improve the detection of conflicts of interest within its governing and participatory bodies.
Regulatory compliance
The mutual insurance company has a Compliance Policy which identifies, analyses and adapts to the applicable regulations through an annual compliance programme. Furthermore, the company has an Internal Compliance Management System in place to prevent, detect and respond to regulatory breaches, while promoting ethical behaviour in accordance with current legislation and the organisation’s internal guidelines.
Crime and Misconduct Prevention Model
As part of its commitment to good governance and ethics, Mutua Universal and its governing bodies have established a Crime and Misconduct Prevention Model. This model aims to prevent offences, promote compliance with laws and regulations and foster a culture of integrity and ethics.
The mutual insurance company’s Crime and Misconduct Prevention Model is structured around numerous policies and procedures that are regularly updated and circulated on an ongoing basis. During 2025, the organisation introduced compulsory training for all staff on the model and its main content.
In 2025, Mutua Universal renewed its Criminal Compliance Certification in accordance with the UNE 19601 standard, demonstrating the organisation’s commitment to regulatory and criminal compliance.
Code of Conduct
Applicable to everyone who is part of Mutua Universal, the Code of Conduct sets forth the ethical principles to which the organisation is committed in its dealings within the organisation itself, with its various stakeholders and with society at large.
Conflict of Interest Protocol
This protocol sets out the guidelines to be followed to prevent or, failing that, address any potential conflicts of interest that may arise involving employees, senior management or governing and participatory bodies in their dealings with member companies, covered workers or suppliers.
Crime Prevention Policy
The Crime Prevention Policy sends a clear message that Mutua Universal objects to any unlawful conduct or act, whether criminal or otherwise, that may violate the ethics and values on which it is based, as well as a firm commitment to combating and preventing such unlawful acts.
Criminal Risk Prevention Manual
The Criminal Risk Prevention Manual identifies criminal risks associated with Mutua Universal’s activities and sets out the controls in place to mitigate them, with the aim of preventing offences set forth in the Criminal Code.
Integrity Channel
This anonymous, confidential and secure channel is intended for reporting incidents of potential breaches relating to the Code of Conduct, the Conflict of Interest Protocol, the Crime Prevention Model Policy and the Criminal Risk Prevention Manual. In 2025, Mutua Universal launched a new, more streamlined and interactive Integrity Channel tool, accessible via the organisation’s intranet and corporate website. The channel is governed by its own specific procedure.
Independent internal audit
Reporting directly to the Audit and Compliance Committee, Mutua Universal’s internal audit function provides objective and independent assurance within the organisation’s operational structure. This ensures the complete independence of the audit, which provides an objective assessment of Mutua Universal’s internal control and risk management system, identifying weaknesses and promoting improvements.
Internal Audit
Personal Data Protection
To ensure the confidentiality, availability and integrity of information, Mutua Universal has appointed a Data Protection Officer and established a Data Protection Committee to oversee compliance with current legislation.
In 2025, 66 requests to exercise data subject rights were received, and no personal data breaches were reported to the supervisory authority.
Sustainability Committee
Since 2024, Mutua Universal has had a CSR and Sustainability Committee, a body responsible for coordinating and giving advice on social and environmental sustainability and good governance, adopting a multidisciplinary approach aligned with the organisation’s overall objectives.
Integrated Policy on Quality, Occupational Health and Safety, Environment and Corporate Social Responsibility
The mutual insurance company features an integrated policy on quality, occupational health and safety, the environment and corporate social responsibility, which sets out the basic principles to be taken into account in all its business management activities and decisions.
IQNet SR10 Social Responsibility System
In 2025, the organisation obtained a certification for its social responsibility system based on the international IQNet SR10 standard, which confirms that Mutua Universal has a management system committed to social responsibility, good governance and ongoing improvement across all its activities and processes.
United Nations Global Compact
Since December 2005, Mutua Universal has been a signatory to the Global Compact, a commitment to ten principles relating to labour, social and environmental rights and anti-corruption, promoted by the United Nations to encourage companies and organisations to be engaged with sustainability and corporate social responsibility on a global scale.
In January 2023, Mutua Universal took a further step in its commitment to sustainability by becoming a partner of the United Nations Global Compact.
Commitment to the Sustainable Development Goals
Mutua Universal consistently acts responsibly towards people, businesses and the environment, actively contributing to the achievement of the Sustainable Development Goals (SDGs). These 17 goals, approved by the United Nations, aim to eradicate poverty, ensure prosperity and protect the planet.
The following section sets out in detail the initiatives undertaken by the organisation that contribute to the achievement of the various SDGs.
MUTUA UNIVERSAL’S CONTRIBUTION TO ACHIEVING THE SDGs
- Decent working conditions.
- Social support and measures to promote labour market inclusion for vulnerable people following a workplace accident. In 2025, 222 applications were processed while grants totalling 165,756.17 euros were awarded.
- Participation in campaigns and initiatives in support of disadvantaged groups.
- Implementation of corporate health initiatives and the health and prevention blog, which features recommendations for a healthy and nutritious diet.
- Contribution to the health of the 1,813,727 covered and affiliated workers. In 2025, more than 1.3 million outpatient visits were attended to, while 6,569 hospital admissions, and more than 507,000 rehabilitation sessions were carried out.
- Social Security System Funding: there was a surplus of 7.11 million euros to be distributed in 2025.
- 132 centres certified according to the ISO 9001 standard, which attests to the quality of care provided.
- Internally, ensuring the health, safety and wellbeing of the organisation’s staff through an integrated management system covering quality, health and safety, and the environment.
- Corporate health initiatives to promote and encourage healthy habits.
- Training programmes and a Corporate University to foster the staff's talent. In 2025, 820 training sessions were provided, with an annual average of 49 hours of training.
- Commitment to equal opportunities.
- 45 per cent of management posts are held by women.
- In-house procedure for resolving disputes relating to psychological harassment and sexual harassment in the workplace.
- 7th edition of the Women in the Workplace Observatory.
- Equality Plan.
- Water consumption in 2025: 18,182 m³.
- Implementation of measures to reduce water consumption and environmental awareness-raising initiatives.
- Energy consumption in 2025: 5,505,387 kW/h of electricity and 238,457 m³ of natural gas.
- Implementation of energy efficiency measures and environmental awareness initiatives.
- Improving the health and quality of life of the people we cover and the productivity of our member companies.
- Socio-occupational Reintegration Programme.
- Internally, decent working conditions and a talent management model to ensure diversity and equal opportunities for professional development.
- Innovative solutions in the field of healthcare.
- New technologies applied to healthcare (introduction of ultrasound scans in all centres, diathermy, diamagnetic pump, telerehabilitation, Lynx, virtual reality for musculoskeletal conditions, thermography, and more).
- The Innovation and Health Awards, which recognise companies that carry out innovative projects or initiatives to improve the quality of life and health of their workforce.
- In the field of health research, in 2025, a total of 33 healthcare professionals took part in 7 external forums, presenting a total of 42 posters, 4 clinical case studies, 14 oral presentations and 10 panel discussions. New edition of the Scientific Conference on Occupational Diseases.
- Statement on respect for the individual and their diversity.
- Renewal of the Diversity Charter for 2024–2026.
- Renewal in 2025 of the Bequal Plus seal, which certifies company policies that promote the inclusion of people with disabilities.
- Partnership with the ONCE Foundation’s Inserta Agreement.
- Diversity Plan, aimed at developing inclusive policies and practices, with a particular focus on gender, age, culture, disability and the LGBTIQ+ community.
- Organisation of the 3rd Diversity Week.
- Guide to inclusive language.
- Sustainable building and accessibility criteria for projects that involve the refurbishment or opening of new centres.
- New centres equipped with state-of-the-art, energy-efficient technology.
- Integrated Policy on Quality, Health and Safety in the Workplace, the Environment and Corporate Social Responsibility, to deliver services in a comprehensive, effective, efficient and sustainable manner.
- A guide to responsible procurement, which includes ethical, social and environmental criteria in the various stages of the procurement process.
- A waste management procedure to ensure the correct collection, storage, transport, recovery and disposal of waste.
- A donation scheme that gives our obsolete and written-off IT equipment, medical equipment and/or furniture a new lease of life.
- Carbon footprint (Scopes 1 and 2) in 2025: 234.89 tonnes of CO₂ equivalent (calculations based on the Ministry for the Ecological Transition and the Demographic Challenge (MITECO) organisational carbon footprint calculator).
- Minimisation of the environmental impact through a certified environmental management system, energy efficiency measures and the efficient use of resources.
- Environmental awareness campaigns.
- Environmental Management System based on the requirements of the UNE-EN-ISO 14001:2015 standard, certified by AENOR. In 2025, there were 131 certified centres.
- Publication of the Guide to Good Environmental Practice and the organisation of awareness-raising activities to mark World Environment Day.
- Efficient use of resources and proper waste management.
- Code of Conduct and Conflict of Interest Protocol, which set out the values that govern Mutua Universal’s conduct.
- Providing tools such as the Integrity Channel, the Internal Risk Management System, the Compliance Policy and the Criminal Risk Prevention Manual.
- AENOR Criminal Compliance Certification, in accordance with UNE 19601 standard.
- Data Protection Policy and Information Security Policy.
- Control systems through internal, external and regulatory audits.
- Public accountability.
- Certification of the CSR management system in accordance with IQNet SR10 standard.
- Achieving the Madrid Excelente Seal.
- Renewal of the Social Responsibility of Aragón Seal.
- Commitment to and raising awareness of the Sustainable Development Goals.
- Signatories to the Global Compact since 2005 and partners since 2024.
- Signing of strategic partnerships.
- Continuous adaptation and updating of our communication channels and dialogue with stakeholders.