HDI Seguros

Name

HDI Seguros

Legal name

HDI SEGUROS, S.A. de C.V.

Website

https://hdi.com.mx

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Auto insurance
• Home insurance
• Medical insurance
• Commercial fleet insurance
• Telematics driving

Headquarters

HQ city

Guanajuato

HQ country

Mexico

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Auto Insurance: Personal and commercial vehicle insurance including standard coverage, comprehensive (Amplia), legal, tourist auto for foreign vehicles, and iDriving telematics-based policies. Revenue generated through annual or multi-year premium payments.
2. Major Medical Expenses Insurance (Gastos Médicos Mayores): Health insurance products including Médica Vital, Médica Total Plus, standardized basic insurance, and PyME (SMB) medical plans. Distributed through partnership with BUPA and access to 12,000+ provider network. Revenue from recurring premiums.
3. Homeowners/Renters Insurance: Home insurance products including HDI en mi Casa, Protegen Casa, HDI Renters, and home-based business coverage. Some products feature no deductibles.
4. Commercial/Enterprise Insurance: Business insurance including fleet (Flotillas), trucks/tractors, transport, machinery, civil liability, school insurance, and corporate medical. Revenue from commercial premium policies.
5. Specialty Insurance: Motorcycle, boat/watercraft, and tourist auto insurance products.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels9 records

Core offering

HDI Seguros is a Mexican insurance carrier offering personal and commercial insurance products across auto, home, major medical expenses, motorcycle, tourist auto, boat/watercraft, fleet, truck, cargo, specialized machinery, civil liability, and educational institution lines. Distribution combines an agent network, digital self-service platforms, call centers, physical offices, and WhatsApp-based service. Products are augmented by the iDriving telematics-based auto product, HDI Contigo policyholder app, and Digital Adjuster claims app.

Product overview

HDI Seguros is a comprehensive insurance company in Mexico offering a broad portfolio of personal and commercial insurance products. The personal lines include auto insurance (HDI en mi Auto, iDriving with telematics tracking and rewards, Autos Prime for luxury vehicles), major medical expense insurance (Médica Vital, Médica Total Plus, in partnership with BUPA), home insurance (HDI en mi Casa with modular coverage, HDI Renters, Negocio en Casa for home businesses), motorcycle insurance, tourist auto insurance for foreign vehicles, and boat/watercraft insurance. Commercial products include HDI en mi Empresa and Múltiple Empresarial business insurance, HDI Flotillas fleet insurance, HDI Tractos y Camiones truck insurance with HDI Tracker satellite tracking, specialized machinery insurance, civil liability insurance (multiple variants), HDI Transporte cargo insurance, and Escuela Segura for educational institutions. The company enhances its core products with technology-enabled services including iDriving telematics app, HDI Contigo mobile app for claims and policy management, Digital Adjuster system, and CODA WhatsApp virtual assistant. HDI operates as a platform-plus-modules architecture with core insurance products supported by add-on modules and digital services.

Differentiator

Problem solved

Functional benefit

Brands

• iDriving: First intelligent auto insurance in Mexico that uses a device in the car, a mobile application, and a rewards program to help drivers improve their driving habits and prevent accidents.
• Médica Vital
• Médica Total Plus
• HDI en mi Casa
• HDI en mi Auto
• HDI en mi Empresa
• HDI Flotillas
• HDI Tracker
• HDI Transporte
• Autos Prime
• HDI Renters
• Médica Vital PyME
• CODA

Products and services

• HDI en mi Auto Standard personal auto insurance providing comprehensive vehicle coverage including liability, collision, theft protection, and roadside assistance for individual drivers in Mexico.
• iDriving Telematics-based smart auto insurance using a TAG device and mobile app powered by Cambridge Mobile Telematics to monitor driving behavior, detect accident intensity (mild, moderate, severe), automatically dispatch help, and offer a rewards program for safe driving habits.
• Autos Prime Premium auto insurance product designed for high-end and luxury vehicles, providing specialized coverage and enhanced service options for owners of luxury cars.
• Médica Vital Major medical expense insurance product (Gastos Médicos Mayores) allowing policyholders to choose doctors, hospitals, and adjust deductibles and co-insurance, leveraging BUPA's provider network.
• Médica Total Plus Enhanced major medical expense insurance providing more comprehensive coverage and benefits beyond the standard Médica Vital product.
• Seguro básico estandarizado Regulatory-compliant standardized basic medical insurance product providing minimum coverage levels as defined by Mexican insurance regulations.
• HDI en mi Casa Home insurance product with modular coverage including optional 'A Donde Vaya' travel and 'Me Siento Bien' health/wellness modules for homeowners.
• HDI Renters Insurance product designed specifically for renters to protect rented property and personal belongings against covered losses.
• Negocio en Casa Combined home and home-based business insurance providing single-policy coverage for both residence and home-based business equipment and operations.
• Seguro de Moto Motorcycle insurance providing coverage for motorcycles and riders in Mexico.
• Autos Turistas / Tourist Auto Foreign vehicle insurance for tourists visiting Mexico, providing bilingual 24/7 service and vehicle repair coverage in Mexico or the USA.
• Embarcaciones Boat and watercraft insurance offering flexible personalized coverage, medical services for passengers, and third-party damage protection.
• HDI en mi Empresa Comprehensive business insurance providing coverage for business assets, inventories, machinery, and emergency assistance with no deductibles, targeted at Mexican companies.
• Múltiple Empresarial Multi-policy business insurance bundle combining multiple coverage types under a single policy for commercial clients.
• Médica Vital PyME Major medical expense insurance designed for small and medium enterprises (PyMEs), providing access to over 12,000 medical providers and free home medical care.
• HDI Flotillas Fleet insurance for businesses with multiple vehicles, offering flexible coverage and national service with preferential pricing across Mexico.
• HDI Tractos y Camiones Commercial truck and tractor insurance with optional satellite tracking assistance (HDI Tracker) for 24/7 protection, vehicle recovery, and theft response.
• Maquinaria Especializada Specialized machinery insurance covering contractors, agricultural equipment, industrial machinery, electronic equipment, and pressure vessels for commercial operators.
• Responsabilidad Civil Civil liability insurance for businesses covering general liability, environmental liability, agents, travelers, and constructors across multiple variants.
• HDI Transporte Cargo transport insurance providing flexible coverage, preventive advisory services, and key data for risk management to businesses shipping goods.
• Escuela Segura Educational institution insurance covering schools and related establishments against property and liability risks.

Quantifiable outcome

• Women have 27.77% loss ratio vs 29.85% for men, presenting opportunity for targeted coverage expansion
• +2 more outcomes

Named customers3 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

Integration5 records

AI capability4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• BUPA MéxicocoreStrategic or Co-development PartnerHDI partners with BUPA to offer major medical expenses insurance (Gastos Médicos Mayores) products. BUPA provides access to an extensive medical provider network and healthcare expertise, while HDI leverages its distribution network and market presence. The partnership combines HDI's insurance capabilities with BUPA's health services for comprehensive medical coverage solutions.
• Cambridge Mobile Telematics, Inc. (CMT)coreTechnology or IntegrationCMT is the technology provider and owner of the HDI iDriving mobile application and telematics platform. The software collects driving behavior data including location, speed, acceleration, braking, and cornering, combined with contextual data like weather and traffic to assess driving habits and provide safety recommendations.
• Santander (Autocompara)minorChannel Partner/ Reseller/ DistributorHDI insurance products are distributed through Santander's Autocompara comparison platform, allowing Santander customers to compare and purchase HDI auto insurance through the bank's digital channels.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Quálitas Controladora: Mexico's dominant auto insurance specialist with deep telematics and fleet expertise. Quálitas is the most direct competitor in auto and fleet insurance where HDI has significant exposure.
• Grupo Nacional Provincial (GNP): One of Mexico's largest multi-line insurance carriers offering auto, home, life, health, and commercial coverage. GNP is a top-tier peer that competes directly with HDI across personal and commercial P&C lines and is similarly rated by CONDUSEF.
• MetLife México (Seguros Monterrey): Global insurer with strong Mexican presence offering life, health, auto, and home products. Comparable in scale and product breadth across individual and group lines.
• Seguros SURA México: Latin American insurance group with Mexican operations offering P&C, life, and corporate lines. Competes in similar personal and commercial segments with comparable scale.
• BBVA Seguros México: Bank-affiliated insurer offering auto, home, life, and health products through BBVA Mexico's banking channels. Comparable in product portfolio and bancassurance-led distribution.
• AXA Seguros Mexico: Global insurer with a major Mexico operation offering auto, home, health, and life insurance. AXA Mexico competes head-to-head with HDI in the same product lines with similar multi-channel distribution.
• Seguros Banorte: Bank-affiliated insurer leveraging Banorte's distribution for auto, home, and life products. Directly comparable distribution model and product mix to HDI.
• MAPFRE México: Spanish-headquartered global insurer with a major Mexico operation offering auto, home, health, and commercial lines. Direct multi-line competitor with similar tier of market presence and CONDUSEF ratings.
• Zurich Seguros México: Global insurer operating in Mexico with strong commercial/specialty lines and personal auto/home coverage. Competes with HDI's HDI en mi Empresa and Flotillas products.

Regional players

• Chubb Seguros México: Global P&C specialist with Mexico operations focused on commercial and high-net-worth personal lines. Comparable in commercial and specialty products (Autos Prime, commercial liability).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hdisegurosmex
• YouTubeyoutube.com/user/HDISegurosMexico
• Facebookfacebook.com/HDISegurosMexico
• LinkedInmx.linkedin.com/company/hdi-seguros-m%C3%A9xico
• Instagraminstagram.com/hdisegurosmex
• TikToktiktok.com/@hdiseguros.mx

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

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 HDI Seguros