Humano Seguros

What Humano Seguros does

Grupo Humano is a Dominican-owned insurance and health risk administration group headquartered in Santo Domingo, operating through two wholly-owned subsidiaries: Humano Seguros, which offers individual and group health, life, auto, and property insurance, and ARS Primera, a health risk administrator serving affiliates of the Dominican Social Security System under the Contributory Regime. Founded in 2001 as ARS Humano and reorganized under the Grupo Humano umbrella in 2016, the company holds approximately 45% market share among private ARS in the Dominican Republic and serves over 1 million affiliates.

The company distributes its products through an extensive omnichannel network comprising 19 branch offices, 31 stands in major medical centers, 12 Kioscos Humano self-service stations, 5 Puntos Humano service points, a 24/7 national call center, and digital self-service tools including the Humano APP (customer, provider, and intermediary versions), the Oficina Virtual web portal, and the 24/7 Consulta Virtual telemedicine service. Product tiers include Plan Platinum and Global Platinum (the first hybrid national-international health plan in the country), the Humano Sonrisas benefits program, and the Humano en Salud chronic care model.

Grupo Humano generates revenue primarily through recurring insurance premiums and ARS risk administration fees from individual consumers, corporate group clients, and SDSS contributors. Pricing is quote-based with annual billing cycles across plan tiers. The group has divested its Central American operations in El Salvador (2019) and Panama (2025) under the Seguros Vivir brand, refocusing capital and management attention on the Dominican market. Corporate social responsibility is delivered through the Humano de Corazón (pediatric health) and Humano Sostenible (diversity, inclusion, climate) programs.

Name

Humano Seguros

Legal name

Humano

Website

https://humano.com.do

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Grupo Humano is a Dominican insurance group operating through Humano Seguros (health, life, auto, and property insurance) and ARS Primera (health risk administration), serving over 1 million Social Security affiliates with ~45% private ARS market share in the Dominican Republic.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industry

Group HMO Plans (FSAIAFAK)

Keywords

• Health insurance
• Life insurance
• Auto insurance
• Property insurance
• Health risk administration

Headquarters

HQ city

Santo Domingo

HQ country

Dominican Republic

HQ region

Latin America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance / ARS Services: ARS Primera administers health risks for affiliates under the Dominican Social Security System (SDSS), providing coverage through the Contributory Regime. Revenue is generated through insurance premiums and risk administration fees from the national social security system and private contributors.
2. Life Insurance: Humano Seguros offers individual and group life insurance plans as part of its broad portfolio, generating recurring premium revenue from policyholders.
3. Auto and Property Insurance: Humano Seguros expanded into general insurance (auto and patrimonial) in 2018, adding property and casualty lines to its product portfolio. Revenue generated through policy premiums.
4. Health Insurance Plans (Individual and Group): Comprehensive health coverage plans including Plan Platinum (high-end with national and international coverage), Global Platinum (first hybrid health plan with national and international coverage launched 2013), and standard health plans. Sold to individuals and corporate clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Humano Seguros is a Dominican insurance company offering health, life, auto, and property insurance products to individuals and corporate clients. Operating as part of Grupo Humano alongside its sister subsidiary ARS Primera (health risk administrator for the Dominican Social Security System), the company distributes its portfolio through 19 branch offices, 31 stands at medical centers, 12 self-service kiosks, 5 puntos Humano service points, digital channels (mobile app, virtual office, 24/7 telemedicine), and a national call center.

Product overview

Humano Seguros operates as part of Grupo Humano, a Dominican capital insurance group. The portfolio includes two core brands: Humano Seguros (offering health, life, auto, and patrimonial insurance) and ARS Primera (health risk administrator for the Dominican Social Security System). The product ecosystem spans traditional insurance offerings (Plan Platinum, Global Platinum) alongside digital services including the Humano APP mobile application, Oficina Virtual web portal, and 24/7 Telemedicina Consulta Virtual. Supplementary offerings include Humano Sonrisas benefits program and Humano en Salud integrated care model. The group also maintains social responsibility programs (Humano de Corazón and Humano Sostenible) and operates physical service points including branches, stands, kioscos, and puntos de servicio throughout the country.

Differentiator

Problem solved

Functional benefit

Brands

• Humano de Corazón: Corporate social responsibility program helping recovery of health of children from low-income backgrounds with high-cost diseases
• Humano Sostenible

Products and services

• Humano Seguros Insurance Portfolio Comprehensive portfolio of health, life, auto, and property insurance products delivered to individual and corporate clients in the Dominican Republic.
• ARS Primera Health Risk Administration Health risk administration services for affiliates of the Dominican Social Security System under the Contributory Regime, including coverage, preventive care, wellness programs, and chronic disease management.
• Plan Platinum Premium high-end health insurance plan offering the most exclusive and extensive coverage in the Dominican insurance market.
• Global Platinum First hybrid high-end health insurance plan in the Dominican Republic with national and international coverage, designed for clients seeking premium cross-border healthcare access.
• Humano Sonrisas Benefits Program Benefits and discount program offering clients preferential pricing at partner establishments across wellness, maternity, nutrition, entertainment, and services categories.
• Humano en Salud Integrated Care Model Comprehensive care model designed to prevent and treat diseases caused by chronic conditions, preventing them from evolving into more complex health issues.

Quantifiable outcome

• Reached 1 million affiliates by 2011 with ~45% market share among private ARS
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Six partnerships are on record, tiered minor and core.

• UniBank (Panamá)minorOthers · 1 January 2025Grupo Humano concluded its Panama operations under the Seguros Vivir brand through the sale to UniBank financial group in 2025, completing the exit from Central American markets and strengthening its strategic focus on the Dominican Republic.
• Red Latinoamericana de Clubes de Innovación (RELACI)coreStrategic or Co-development Partner · 1 January 2024Grupo Humano became a founding member of the first Club de Innovación (Innovation Club) of the Dominican Republic in 2024, an initiative driven by the private sector to foster an innovation ecosystem in the country. The club is part of RELACI, linking Dominican companies to the Latin American innovation ecosystem.
• Junior Achievement Dominicana (JA Dominicana)minorStrategic or Co-development Partner · 1 January 2023Grupo Humano and Junior Achievement Dominicana signed a partnership in September 2023 to train women in technology, as part of the group's corporate social responsibility and diversity initiatives aimed at empowering women and promoting inclusion in the technology sector.
• Ministerio de Economía, Planificación y Desarrollo (Dominican Republic)minorOthers · 1 January 2023The Ministry granted the Voluntariado Solidario 2023 award to Humano de Corazón in December 2023, recognizing the program's contribution to helping children from low-income backgrounds with high-cost and complex diseases.
• CONADIS and PNUDminorStrategic or Co-development Partner · 1 January 2021Partnership with the National Council for Disability (CONADIS) and the United Nations Development Programme (PNUD) for disability inclusion initiatives, resulting in three Sellos Incluye RD certifications (Gold and Bronze) in 2021 for accessibility, awareness, and employment of persons with disabilities.
• Preinversiones (El Salvador)minorOthers · 1 January 2019Grupo Humano concluded its operations under the Seguros Vivir brand in Central America through the sale of its El Salvador operations to the consortium Preinversiones in 2019, as part of its strategic focus on the Dominican market.

Scale indicators8 records

Recent moves21 records

Expansion highlights5 records

Direct peers

• Seguros Reservas: Dominican Republic's state-affiliated insurance company offering life, health, auto, and property lines, directly competing with Humano Seguros in the same market with similar product breadth and corporate clientele.
• ARS Universal: Competitor private ARS in the Dominican Republic administering health risks for SDSS affiliates, directly competing with ARS Primera under the same contributory regime framework.
• ARS Yunen: One of the licensed private ARS providers in the Dominican Republic competing directly with ARS Primera for SDSS affiliates under the same regulatory framework.
• Colonial de Seguros: Dominican insurance carrier offering health, life, auto, and property insurance with a focus on individual and corporate clients, directly competing across Humano Seguros' product portfolio.
• Angloamericana de Seguros: Dominican insurer with personal and commercial line offerings (life, health, property) operating in the same market as Humano Seguros and overlapping on product and customer segments.

Broad incumbents

• Mapfre República Dominicana: Dominican subsidiary of the global Spanish insurance group Mapfre, offering life, health, auto, and property insurance in the same DR market and overlapping with Humano across all major lines.
• Seguros Sura República Dominicana: Dominican operations of the Latin American financial group Sura, offering personal and corporate P&C and life insurance in the same Dominican market as Humano Seguros.

Others

• Humano Seguros (Subsidiary View): The insurance carrier subsidiary of the same group, peer for the ARS Primera health administration arm — they share Grupo Humano as parent, which makes them structurally comparable for portfolio analysis.

Regional players

• ASSA Compañía de Seguros (Caribbean): Caribbean-focused insurance group with DR presence, offering multi-line personal and commercial insurance similar to Humano's portfolio in terms of breadth and target customers.
• Sagicor Life Insurance Caribbean: Caribbean-wide life and health insurer with a strong group/employer-sponsored benefits offering, comparable to Humano's group health and life insurance products on a regional basis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedIndo.linkedin.com/company/grupo-humano
• Xx.com/seguroshumano
• Facebookfacebook.com/humanoseguros

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 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 Humano Seguros