La Positiva Seguros

What La Positiva Seguros does

La Positiva Seguros is a Peruvian multi-line insurance group operating through three regulated legal entities: La Positiva Seguros y Reaseguros S.A.A. (general insurance and reinsurance), La Positiva Vida Seguros y Reaseguros S.A. (life insurance and reinsurance), and LA POSITIVA S.A. Entidad Prestadora de Salud (EPS — health services). Founded in 1937 and headquartered in San Isidro, Lima, the group offers a comprehensive portfolio spanning mandatory vehicle insurance (SOAT), voluntary vehicle, home and card/credit coverage, individual and group health (EPS, oncology, accident, convenio-based), life (family, education, burial, convenio-based), savings and annuities (Vida y Ahorro, Renta particular, Rentas vitalicias, Vida Positiva Inversión), enterprise lines (patrimonial, equipment/machinery, agricultural, negotiations/guarantees, corporate agreements), travel (international and land), and worker insurance (SCTR for high-risk work, Vida Ley, employee health, FOLA for young talent). Distribution is omnichannel: a nationwide network of physical offices and agencies, corporate and online purchase websites (comprar.lapositiva.com.pe, lapositiva.com.pe), centralized phone sales and service, WhatsApp for claims and customer support, a broker platform (PORCO), and the Zona Positiva policyholder portal.

The group employs 1,001–5,000 staff and is served by an affiliated provider ecosystem including preferred clinics, physical therapy centers, orthopedic material providers, and vehicle repair workshops, with additional value-added partnerships (Primax fuel discounts, Farmadelivery medicine delivery). Revenue is generated almost entirely through recurring insurance premiums across retail, SME, enterprise, and group/employer channels in Peru; pricing is not publicly disclosed and is obtained via online quotation, phone, or WhatsApp. Fidelidade has announced a public acquisition offer for the group, indicating a potential cross-border change-of-control transaction.

Name

La Positiva Seguros

Legal name

La Positiva Seguros y Reaseguros S.A.A.

Website

https://lapositiva.com.pe

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

La Positiva Seguros is a Peruvian multi-line insurance group (founded 1937) offering P&C, life, health (EPS), pensions, and worker insurance across retail, enterprise, and employer channels through nationwide offices, broker networks, and digital channels in Peru.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Professional Employer Organizations (561330), Health and Welfare Funds (525120)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

akta.pro secondary industries

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Professional Employer Organization (PEO) / Co-Employment Services (BPACAHAB), Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ)

Keywords

• Insurance services
• Life insurance
• Vehicle insurance
• Health insurance
• Property insurance

Headquarters

HQ city

San Isidro

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: La Positiva Seguros generates revenue primarily through insurance premiums collected from policyholders across multiple insurance categories including vehicle insurance (SOAT, vehicular), health insurance (EPS, individual, oncology, accidents), life insurance (family, education, funeral), property and casualty insurance (patrimonial, equipment, agricultural), travel insurance, and worker insurance (SCTR, Vida Ley).

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

La Positiva Seguros is a Peruvian insurance company that underwrites and distributes a comprehensive portfolio of insurance products across vehicle, health, life, property, enterprise, travel, and worker categories. The company collects premiums and pays claims, serving individual consumers, families, businesses, and employers through direct digital channels, a nationwide physical office and agency network, WhatsApp, and a broker platform. It operates three legal entities covering general insurance, life insurance and reinsurance, and an EPS (health services provider).

Product overview

La Positiva Seguros is a Peruvian insurance company offering a comprehensive portfolio of insurance products organized across multiple categories: vehicle and property insurance (SOAT, vehicle, home, card/credit), health insurance (EPS, individual health, oncology, accidents, agreement-based health), life insurance (family, education, burial, agreement-based life), future/investment products (life & savings, unemployment, particular annuity, life annuities, Vida Positiva Inversión), enterprise insurance (patrimonial, equipment, agricultural, negotiations/guarantees, corporate agreements), travel insurance (international, land), and worker insurance (SCTR risk work, Vida Ley, employee health, FOLA). The company serves individual customers, families, businesses, and workers through both direct channels and broker networks.

Differentiator

Problem solved

Functional benefit

Brands

• Zona Positiva: Customer online portal for policyholders to manage their insurance accounts
• FOLA
• Vida Positiva Inversión
• Medisalud
• ADN Positivo

Products and services

• SOAT
• Seguros vehiculares
• Seguros Domiciliarios
• Seguros de tarjetas y créditos
• EPS (Entidad Prestadora de Salud)
• Seguros de salud individual
• Seguros oncológicos
• Seguros contra accidentes
• Seguros de vida familia
• Seguros de vida educación
• Seguros de vida sepelio
• Seguro de Vida y Ahorro
• Seguro de Desempleo
• Seguros patrimoniales
• Seguros para equipos y maquinarias
• Seguros agrarios
• Seguros para Negociaciones y Garantías
• Seguros de empresa con convenios
• Renta particular
• Rentas vitalicias
• Vida Positiva Inversión
• Seguros de viaje internacional
• Seguros de viaje terrestre

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• PrimaxminorGTM or Marketing PartnerPrimax is a fuel station chain partnership providing vehicle insurance customers with Primax discounts when purchasing vehicle insurance. This is a marketing and promotional partnership offering value-added benefits to vehicle insurance customers.
• FarmadeliveryminorOthersFarmadelivery is a medicine delivery service partnership offering health insurance customers discounted medicine prices through the Farmadelivery benefit program.
• Medical Center NetworkcoreOthersLa Positiva operates a network of affiliated medical centers, clinics, physical therapy centers, and orthopedic material providers across Peru to serve its health insurance and EPS customers.
• Preferred Workshop NetworkcoreOthersNetwork of affiliated workshops ('talleres afiliados') for vehicle repair services and affiliated clinics for medical care under various insurance policies.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Rimac Seguros y Reaseguros: Rimac is Peru's largest multi-line insurer, offering P&C, life, health, and mandatory coverages through both direct and broker channels. It competes head-to-head with La Positiva across SOAT, EPS, Vida Ley, SCTR, vehicle, and home lines, making it the most directly comparable peer in scale and product mix.
• Pacifico Seguros: Pacifico (owned by Credicorp) is a top-three Peruvian multi-line insurer with deep bancassurance distribution through BCP. It competes directly with La Positiva across P&C, life, health, and pensions, and is a frequent benchmark for underwriting and combined-ratio metrics in the Peruvian market.
• Mapfre Peru: Mapfre Peru is the local subsidiary of Spanish insurance group Mapfre, offering P&C, life, and mandatory lines including SOAT and Vida Ley. It is a structural direct competitor to La Positiva with international backing and overlapping agent/broker distribution across Peru.
• Seguros Sura Peru: Sura provides P&C, life, and group/corporate insurance in Peru as part of the regional Sura franchise. It overlaps with La Positiva's employer-focused product set (Vida Ley, SCTR, corporate P&C, group health) and competes for similar broker and corporate accounts.
• Liberty Seguros Peru: Liberty Seguros operates in Peru offering vehicle, home, and SME/corporate P&C with international (Liberty Mutual) backing. It is a comparable peer on the P&C side of La Positiva's portfolio, particularly in vehicular and patrimonial lines distributed via brokers.
• Interseguro (Grupo Intercorp): Interseguro is a Peruvian life and annuity specialist, closely comparable to La Positiva Vida on individual life, education plans, and retirement annuities. It shares the same bancassurance and broker distribution battleground and competes for the same retirement-savings flows.

Broad incumbents

• Chubb Peru (formerly ACE Seguros): Chubb is a global P&C carrier with Peru operations focused on personal accident, vehicle, and corporate/specialty lines. Its presence in accident and specialty overlaps with parts of La Positiva's portfolio, but its overall geographic and product breadth is much wider.
• Zurich Seguros Peru: Zurich operates in Peru with a broad life-and-P&C offering and direct corporate accounts. Like Chubb, it competes partially with La Positiva in mid-market and corporate segments, but its global portfolio spans many more lines and geographies.
• Allianz Peru: Allianz offers life, P&C, and mandatory lines through its Peru subsidiary, with strong global reinsurance and brand backing. It is comparable to La Positiva on product scope but operates across many countries and does not specialize in the Peruvian niche.

Emerging players

• HDI Seguros Peru: HDI Seguros has a growing Peru presence focused on vehicle, SME, and selected corporate lines. It is a smaller-scale peer with partial overlap to La Positiva's vehicular and P&C products, but with a less developed group/employer benefits offering.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/LaPositivaSeguros
• LinkedInlinkedin.com/company/la-positiva-seguros
• Xx.com/LaPositiva_Peru

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 La Positiva Seguros