LINA Korea

What LINA Korea does

LINA Korea (legal name: LINA Life Insurance Co., Ltd. / 라이나생명) is a South Korean life insurance company founded in 2004 and headquartered at LINA Tower in Seoul's Jongno-gu district. The company operates as a wholly-owned subsidiary of Chubb Limited under the tagline 'A Chubb Company' and is led by Representative Director Cho Ji-eun (조지은). LINA Korea focuses narrowly on health-adjacent life insurance products — dental (THE건강한치아보험V), cancer, surgery, brain/heart (뇌심장보험), dementia/nursing care, and a newly launched brain-care health insurance product — rather than the full-spectrum life and savings products typical of larger Korean insurers.

The company distributes through a multi-channel architecture including 24/7 phone consultation (080-410-8181), a direct web portal (direct.lina.co.kr), the tune H mobile application for 'customized total health management', TMR (Travel Medical Representative) face-to-face agents, and a comprehensive cyber counter self-service portal covering contract inquiries, premium payments, claims, policy loans, and certificate issuance. Claims processing is differentiated by 'Document-Zero' (accident insurance) and 'Document-Free' payment services that minimize documentation friction. Digital infrastructure is supported by mobile apps available on Google Play and Apple App Store, and the company has obtained ISO 37301 Compliance Management System certification alongside the Information and Communication Accessibility Quality Certification (2025).

LINA Korea's revenue model is recurring premium collection across its product portfolio, with pricing quote-based on age, coverage amount, and product terms. The company is recognized by the Financial Supervisory Service as the #1 insurance company for lowest consumer complaints for 9 consecutive years and was the only insurer to receive a 'Good' rating in the 2025 Financial Consumer Protection Assessment. Revenue figures are not publicly disclosed; as a private Chubb subsidiary with 501-1,000 employees, LINA Korea operates primarily in the South Korean individual insurance market with no public funding history, M&A activity, or disclosed geographic expansion beyond Seoul-based operations.

Name

LINA Korea

Legal name

LINA Life Insurance Co., Ltd.

Website

https://lina.co.kr

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

LINA Korea (LINA Life Insurance) is a Seoul-based, wholly-owned Chubb subsidiary offering specialized Korean health-adjacent life insurance products — dental, cancer, surgery, brain/heart, and dementia/nursing care — distributed to individual consumers via phone, web, mobile app, and TMR agents.

Ownership category

akta.pro rank

Product category

Life and Health Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311)

akta.pro primary industry

Whole Life Insurance (FSAIABAA)

akta.pro secondary industry

Traditional Long-Term Care (LTC) Insurance (FSAIAJAA)

Keywords

• Health insurance
• Dental insurance
• Cancer insurance
• Surgery insurance
• Brain and heart insurance

Headquarters

HQ city

Seoul

HQ country

South Korea

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: LINA Korea generates revenue through collection of insurance premiums from policyholders across its product portfolio including dental, cancer, surgery, brain/heart, and general health insurance products. Premiums are collected on recurring basis (monthly, quarterly, or annual payment schedules depending on policy terms).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

LINA Korea is a South Korean life and health insurer selling specialized individual health insurance products—dental, cancer, surgery, brain/heart, and dementia/long-term care coverage—to consumers through direct, phone, mobile-app, TMR agent, and self-service cyber counter channels. The company, operating as a subsidiary of Chubb, also distributes the tune H mobile app for total health management and offers Digital services including Document-Zero claims and Document-Free premium payments.

Product overview

LINA Korea (라이나생명) is a life insurance company operating under Chubb. The product portfolio centers on health-related insurance products including dental insurance ((무)THE건강한치아보험V), cancer insurance (암보험), surgery insurance (수술비보험), and brain/heart insurance (뇌심장보험). The company also offers a health management mobile app called tune H. Digital services are provided through 사이버창구 (cyber window) for contract management, insurance payments, and claims processing.

Differentiator

Problem solved

Functional benefit

Brands

• tune H: Customized total health management solution mobile app.

Products and services

• (무)THE건강한치아보험V(갱신형) — THE Healthy Dental Insurance V (Renewable) Dental insurance product for Korean consumers covering filling and other dental treatments; renewable policy providing unlimited material coverage for fillings, with coverage starting 91 days post-enrollment and a 50% benefit cap on treatments within year 1.
• 암보험 — Cancer Insurance Cancer insurance for individual Korean consumers providing coverage that starts from day 1 of enrollment, protecting against cancer diagnosis and treatment costs.
• 수술비보험 — Surgery Insurance Surgery insurance covering disease-related surgical expenses for individual policyholders, with once-per-disease coverage limits.
• 뇌심장보험 — Brain and Heart Insurance Brain and heart insurance for individual Korean consumers providing concentrated coverage for major cerebrovascular and cardiovascular diseases.
• (무)라이나브레인케어건강보험 — LINA Brain Care Health Insurance New 2025 health insurance product providing concentrated brain-health-focused coverage for Korean consumers.
• tune H Mobile App Mobile application providing policy management, claims processing, and personalized total health management for LINA Korea policyholders, available on Google Play (kr.co.lina.linaapp) and Apple App Store.
• 치매·간병 보장보험 — Dementia and Long-Term Care Insurance Dementia and long-term care insurance for Korean families, covering care costs for cognitive decline and chronic care needs, with an added dementia legal-counsel consultation service for customers' rights protection.

Quantifiable outcome

• 9 consecutive years as #1 in lowest consumer complaints among insurance companies
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Chubb LimitedcoreStrategic or Co-development PartnerLINA Life operates as 'A Chubb Company', indicating it is a subsidiary or affiliated company of Chubb, the global insurance group. This partnership provides LINA Korea with global insurance brand backing, financial strength, and operational support.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Samsung Life Insurance: Korea's largest life insurer offering protection, savings, and annuity products to individual consumers. Directly competes with LINA in the Korean life/health insurance market, with materially larger scale, distribution, and brand presence.
• Hanwha Life Insurance: Major Korean life insurer offering health, protection, and retirement products through agency and bancassurance channels. Overlaps directly with LINA's individual health/critical-illness insurance focus and competes for similar Korean consumer segments.
• Kyobo Life Insurance: Top-tier Korean life insurer with strong brand and broad product portfolio including health and protection coverage. Direct competitor to LINA in the individual Korean insurance market, comparable in size and distribution mix.
• Shinhan Life Insurance: Korean life insurer affiliated with Shinhan Financial Group, distributing through bancassurance and direct channels. Competes with LINA in individual health and protection products, particularly through digital and direct-to-consumer channels.
• KB Life Insurance: Life insurance subsidiary of KB Financial Group, one of Korea's largest financial holding companies. Direct competitor in the Korean life insurance market with comparable individual protection and health product offerings.
• Heungkuk Life Insurance: Mid-sized Korean life insurer offering protection and health products to individuals. Closely comparable to LINA in scale and product mix, competing in similar niche health and critical-illness segments.
• MetLife Korea: Korean subsidiary of global insurer MetLife offering individual life and health insurance products. Closely comparable to LINA as another global-insurer-owned subsidiary competing in the Korean individual insurance market.
• Prudential Life Insurance Company of Korea: Korean operation of Prudential plc, a global life insurance group. Directly comparable to LINA as a global-insurer-owned Korean life subsidiary offering protection and health products to Korean consumers.

Broad incumbents

• Chubb Limited: Global parent company of LINA Korea. While Chubb is far larger and globally diversified with a P&C-heavy mix, it is the ultimate owner of LINA and the source of its brand, capital backing, and product expertise — making it the closest incumbent reference point for evaluating LINA's strategic positioning.

Emerging players

• AIG Korea: Korean subsidiary of AIG offering life and accident & health insurance products. Comparable to LINA as a global-insurer-owned Korean life operator with overlapping individual protection and health offerings, though typically with a smaller retail footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Linasns
• LinkedInlinkedin.com/company/linakorea

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 LINA Korea