There is described an oil-in-water emulsion free of surfactant agents comprising: A) At least a cross-polymer acrylate/alkyl-acrylate or derivatives thereof, or mixtures thereof in the aqueous phase of the emulsion b) At least a polyacrylate or derivatives thereof, or mixtures thereof in the oily phase of the emulsion, and c) At least a neutralizing agent. Further, the present invention refers to a process of obtaining a surfactant-free emulsion and its use in cosmetics and pharmaceuticals compositions. The emulsion in question can be applied to all kinds of skin, being also indicated for people with sensitive skin.