What Los Héroes does

Los Héroes is a Chilean Caja de Compensación de Asignación Familiar (CCAF) — a private, non-profit social security compensation fund operating under the supervision of the Superintendencia de Seguridad Social (SUSESO). Founded in 1954 and headquartered in Santiago, the institution serves affiliated workers and pensioners across all 16 Chilean regions through the country's largest compensation-fund branch network of 148 physical offices, complemented by a 24/7 web-based Sucursal Virtual, an iOS/Android mobile application, and a traveling Sucursal Móvil that extends service to underserved communes.

The organization's core product suite comprises Crédito Social (social credit loans with preferential web rates and 90-day deferred first payment), insurance products (unemployment and mortgage reduction), and an integrated benefits ecosystem spanning health (medical consultations from $990 CLP, $0-copay preventive exams, pharmacy and optical reimbursements), recreation (Héroes Parques), financial services (Héroes Prepago prepaid card), discounts across a partner business network, and educational programs (financial education, Club Los Héroes for pensioners, Becas Gastronómicas Ñam). Revenue mechanics derive from interest on social credit, insurance premiums, recurring employer membership contributions, and partner network commissions, with no disclosed funding rounds or external equity ownership. The organization delivered 6.6 million social benefits in 2025 and achieved first place in the Ranking PXI – Praxis Xperience Index 2026.

Name

Los Héroes

Legal name

Los Héroes Caja de Compensación

Website

https://losheroes.cl

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Los Héroes is a Chilean Caja de Compensación (non-profit social security fund) providing social credit, insurance, health benefits, recreation, and a discount network to affiliated workers and pensioners via 148 branches and digital channels nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Social Credit (Crédito Social): Los Héroes provides social credit loans to affiliated workers and pensioners. Interest and fees on these credit products constitute a primary revenue stream. The credit includes preferred web rates, online application, and a 90-day deferred payment start.
2. Insurance Products: The organization offers insurance products including unemployment insurance (Seguro de Cesantía), mortgage reduction insurance (Seguro Desgravamen) for workers and pensioners, and other coverage products. Premium payments generate revenue.
3. Membership Fees from Affiliated Employers: Companies affiliated with Los Héroes pay membership contributions that fund the organization's operations and benefit programs. This is a recurring revenue stream based on the number of affiliated workers.
4. Benefit and Discount Network: Los Héroes aggregates discounts and benefits from partner businesses (gastronomy, health, tourism, education, commerce, wellness) that are made available to members. Some premium benefits or partnership arrangements may generate revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels10 records

Core offering

Los Héroes is a Chilean Caja de Compensación that provides social welfare products and services to affiliated workers and pensioners, including social credit loans with preferential web rates, insurance products (unemployment and mortgage reduction), subsidized health benefits (medical consultations from $990, zero-copay preventive exams, pharmacy and optical reimbursements), a prepaid card (Héroes Prepago), recreation parks (Héroes Parques), wellness and entertainment programs, and a partner discount network. Distribution is delivered through 148 physical branches nationwide, a 24/7 Virtual Branch portal, a mobile app, a Sucursal Móvil traveling service unit, and an affiliated medical center network.

Product overview

Los Héroes is a Chilean Compensation Fund (Caja de Compensación) offering a comprehensive suite of social welfare products and services. The core offering includes Crédito Social (social credit loans) and various insurance products. Digital channels comprise Sucursal Virtual (24/7 online platform) and App Los Héroes (mobile application). Financial products include Héroes Prepago (prepaid card). Health benefits encompass medical consultations from $990, zero-copay preventive exams, pharmacy reimbursements, and optical reimbursements. Recreation and lifestyle offerings include Héroes Parques (vacation parks), Club Los Héroes (activities for pensioners), Panoramas (entertainment), and Plan Más Héroes (community funding up to $5,000,000). Additional services cover medical leave management, financial education, and mobile/virtual branch services.

Differentiator

Problem solved

Functional benefit

Brands

• Héroes Parques: Recreation parks offering camping, cabins, and leisure activities in San José de Maipo, San Juan, La Herradura, Parque Chillán, and Llanquihue.
• Héroes Prepago
• Red Salud Los Héroes

Products and services

• Crédito Social (Social Credit) Social credit loan product for affiliated workers and pensioners featuring preferential web rates, full online application, and a 90-day deferred first payment.
• Seguros (Insurance Products) Insurance products for affiliated workers and pensioners, including unemployment insurance (Seguro de Cesantía) and mortgage reduction insurance (Seguro Desgravamen).
• Héroes Prepago (Prepaid Card) Prepaid financial card with zero maintenance cost available to affiliated members, enabling financial management and transactions.
• Héroes Parques (Recreation Parks) Recreation parks offering cabin accommodations and leisure activities at five locations across Chile, available to Los Héroes members and the general public.
• Plan Más Héroes (Community Funding Initiative) Community funding program that allows affiliates to submit welfare projects or choose pre-designed community packs, with funding amounts ranging from $500,000 to $5,000,000 CLP.
• Club Los Héroes Membership program for affiliated pensioners offering free workshops (arts, physical activity, limited to 15 people per session), paid group excursions (copay from $12,000 CLP), and free Tarde con Los Héroes community events.
• Consultas Médicas desde $990 Subsidized medical consultations starting at $990 CLP with general and specialist doctors across 8 specialties (Cardiology, Ophthalmology, Urology, Gynecology, Pediatrics, Otolaryngology, Geriatrics), available at partner medical centers nationwide or via reimbursement through Virtual Branch, with additional coverage in 28 specialties at discounted rates.
• Exámenes Médicos Copago $0 (Zero-Copay Preventive Exams) Preventive medical exams with zero copay including Lipid Profile, Biochemical Profile, TSH (Thyroid), Resting Electrocardiogram, Bilateral Mammography, Unilateral Mammography, Bilateral Breast Ultrasound, Papanicolaou, and Prostate Antigen, plus coverage of 200+ lab samples and 100+ imaging exams at partner medical centers nationwide.
• Reembolso de Farmacias (Pharmacy Reimbursement) Monthly reimbursement of $5,000 CLP for medication purchases over $10,000 CLP at any pharmacy in Chile; exclusive for affiliated pensioners, maximum one reimbursement per member per month.
• Reembolso Óptico (Optical Reimbursement) Annual reimbursement of up to 30% (maximum $10,000 CLP) on optical lenses and contact lenses for affiliated pensioners; valid once per year per member through December 31, 2026.
• Educación Financiera (Financial Education) Educational content program covering budgeting, savings, responsible credit use, emergency planning, and financial future planning, delivered through the Doctor Bolsillo (Dr. Pocket) character series and practical guides.
• Panoramas (Entertainment Benefits) Discounted entertainment experiences for affiliated members, including cinema tickets from $2,490 CLP, Buin Zoo entry at $5,000 CLP, and Fantasilandia tickets from $9,900 to $12,900 CLP.
• Licencias y Bonos (Medical Leave and Bonus Service) Administrative service for affiliated workers covering medical leave (licencia médica) management and bonus/allowance (bono) requests.

Quantifiable outcome

• 6.6 million social benefits delivered in 2025
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• CIPEMminorOthersLos Héroes maintains a reference link to CIPEM (Centro de Investigación y Prevención de la Employer Mutual) on its website, suggesting an informational or collaborative relationship in occupational risk prevention and research.
• Red Salud Los Héroes (Partner Medical Center Network)coreChannel Partner/ Reseller/ DistributorNetwork of affiliated medical centers throughout Chile providing consultations and preventive exams at preferential rates. Includes Red Salud, ACHS Salud, Interclínica, Mediclic, and laboratory networks (Macromédica). Members receive direct bonification on the day of service.
• Buin ZoominorGTM or Marketing PartnerEntertainment partnership offering Los Héroes members discounted entry to Buin Zoo at $5,000 CLP per visit, valid until September 6, 2026.
• FantasilandiaminorGTM or Marketing PartnerEntertainment partnership offering Los Héroes members discounted tickets to Fantasilandia from $9,900 to $12,900 CLP, subject to availability.
• Various Partner Businesses (Convenios)minorGTM or Marketing PartnerA broad network of partner businesses across sectors including gastronomy, health, tourism, education, commerce, and wellness offering exclusive discounts to Los Héroes members. Examples include AENOR CHILE, Aguas Santino, Alpes Dental, Atom Fitness Center, Audifonos Auditron, Audiomedical, and hundreds more businesses listed in the benefits catalog.
• Superintendencia de Seguridad Social (SUSESO)coreOthersLos Héroes is a Caja de Compensación, a social security entity supervised and regulated by the Superintendencia de Seguridad Social (SUSESO), which oversees all Cajas de Compensación in Chile.
• TálantonminorStrategic or Co-development PartnerLos Héroes participated in a Conversatorio (dialogue session) led by Tálanton on challenges of intergenerational work, indicating a collaborative relationship in labor and social policy discussions.
• Cajas de ChileminorStrategic or Co-development PartnerLos Héroes participated in the inauguration of a new dialogue cycle led by Cajas de Chile (the association of Chilean Compensation Funds) focused on redesigning the medical leave system, indicating a collaborative industry relationship.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• AFP Habitat: One of Chile's main pension fund administrators (AFP), serving overlapping worker and pensioner segments with retirement savings products; a related social security institution though focused on pension fund management rather than welfare benefits.
• Edenred: Global corporate benefits and prepaid services provider (meal vouchers, gift, mobility) operating in Chile and other LatAm markets; competes with Héroes Prepago and the benefit/discount network on the employer-sponsored benefits side.
• BancoEstado: Chile's state-owned bank offering consumer credit, social benefits-linked products, and pensioner accounts, competing with Los Héroes for credit and financial service relationships with workers and pensioners.
• Mutual de Seguridad CChC: Chilean occupational health and safety mutual that serves affiliated workers with insurance and health services, overlapping with Los Héroes in health and worker welfare but focused on workplace accident coverage.
• Sodexo Benefits & Rewards Services: International corporate benefits and rewards platform with significant presence in Latin America; comparable to Los Héroes' discount/benefits network and prepaid card offering for affiliated workers and pensioners.

Direct peers

• Caja de Compensación La Araucana: A major Chilean Caja de Compensación providing social credit, health benefits, education, and recreation services to affiliated workers and pensioners; competes directly with Los Héroes for employer affiliations and members.
• Caja de Compensación Los Andes: The largest Caja de Compensación in Chile, offering the same suite of social credit, insurance, health benefits, and welfare services to affiliated workers and pensioners under the same SUSESO regulatory framework as Los Héroes.
• Caja 18 de Septiembre: Chilean Caja de Compensación offering social welfare benefits including credit, insurance, and health services to affiliated workers, operating in the same SUSESO-regulated environment as Los Héroes.
• Caja de Compensación Gabriela Mistral: A smaller Chilean Caja de Compensación delivering social credit, health, and welfare benefits to affiliated workers and pensioners in the same regulatory and product framework as Los Héroes.

Emerging players

• Tenpo: Chilean digital fintech offering consumer credit, payments, and prepaid accounts to the same blue-collar and middle-income worker segments targeted by Los Héroes' social credit and Héroes Prepago products, representing digital-native competition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

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 Los Héroes