Colmena Seguros
Chilean insurer, part of Grupo Colmena Salud, underwriting individual life, health, and personal accident policies for consumers and families through a professional agency network, telemarketing, and branch offices across three regions of Chile.
- Company typePrivate
- Founded2013
- HeadquartersLas Condes, Chile
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Colmena Seguros does
Colmena Seguros is a privately held Chilean insurance carrier, founded in 2013 and operating as a subsidiary of Grupo Colmena Salud, a diversified Chilean healthcare and services group. The company underwrites and distributes individual life, health, and personal accident insurance to consumers and families in Chile, with a specialized program for public-sector healthcare workers. Its product portfolio spans four life products (term life with permanence benefit, annual renewable term life, standard term life, and accidental death), and a set of health products including catastrophic coverage (Salud Plena Plus), complementary coverage that layers on top of Chile's Isapre/Fonasa previsional systems, protected health coverage, and oncology indemnification. Operations are concentrated in three cities — Las Condes (Santiago headquarters), Concepción, and Viña del Mar — serving the Santiago Metropolitan, Bío Bío, and Valparaíso regions.
The business model is subscription/recurring, generating revenue from insurance premiums paid by individual policyholders, priced on a customized basis by coverage type, sum insured, age, and health condition, typically billed annually. Pricing is not publicly disclosed and is quoted through a professional agency network. Go-to-market is sales-led and multi-touch: a professional agency network provides personalized advisory, supported by telemarketing for inquiries and new sales, physical branch offices for in-person service, and a Virtual Branch (Sucursal Virtual) extranet for existing customers to manage policies, claims, and reimbursements. Marketing runs through the corporate website (top-of-funnel), telemarketing, and the agency network.
Technology is modest and operationally focused rather than differentiated: a digital quotation system implemented in May 2023 (replacing paper processes), an online payment gateway integrated via the third-party Flow.cl processor, and the customer-facing virtual branch portal. Medical reimbursement handling is routed through a third-party platform (GlobalRisk). The company operates under Chilean CMF (Comisión para el Mercado Financiero) regulation and maintains compliance documentation including a Law 20.393 crime-prevention model and market-conduct policies. Governance is exercised through a seven-member board of directors.
Colmena Seguros firmographics
Firmographics- Name
- Colmena Seguros
- Legal name
- Colmena Seguros
- Website
- https://colmenaseguros.cl
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Chilean insurer, part of Grupo Colmena Salud, underwriting individual life, health, and personal accident policies for consumers and families through a professional agency network, telemarketing, and branch offices across three regions of Chile.
- Ownership category
- akta.pro rank
Colmena Seguros industry classification
Industry- Product category
- Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)
- akta.pro secondary industry
- Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)
Keywords
Where Colmena Seguros is headquartered
LocationHeadquarters
- HQ city
- Las Condes
- HQ country
- Chile
- HQ region
- Latin America
Offices3 records
Markets served
Colmena Seguros business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: Recurring insurance premiums collected from individual policyholders for life, health, and personal accident coverage. Premiums are paid according to the policy terms and coverage selected by the customer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Customized insurance plans based on individual risk assessment |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels3 records
Colmena Seguros product offering
Product offeringCore offering
Colmena Seguros is a Chilean insurance company that underwrites and sells individual life, health, and personal accident insurance policies to consumers. Its portfolio includes term life and accidental death protection policies, alongside health plans such as Catastrophic, Complementary, Protected, and Oncology coverages. Policies are distributed directly through professional agents, telemarketing, and branch offices across Chile.
Product overview
Colmena Seguros is a Chilean insurance company offering a portfolio of individual life, health, and personal accident insurance products distributed through professional agency channels. The product portfolio consists of three main categories: Life insurance products including term life with permanence benefits, annual renewable term life, standard term life, and accidental death coverage; Health insurance products including catastrophic health plans (Plena Plus), complementary health insurance that works with the previsional health system (Isapre/Fonasa), protected health coverage, and oncology indemnification. All products are oriented toward protecting clients and their families against financial hardship from death, illness, and disability, with a digital-first approach adopted since May 2023.
Differentiator
Problem solved
Functional benefit
Products and services
- Term Life Insurance (Seguro de Vida Temporal) Individual term life insurance policy providing death benefit protection for the policyholder's beneficiaries over a defined term. Targeted at Chilean consumers seeking personal financial protection for their families.
- Accidental Death Insurance (Muerte Accidental) Personal accident insurance that pays a benefit in the event of accidental death of the insured. Designed for individual Chilean consumers wanting additional protection against accidental loss of life.
- Catastrophic Health Insurance (Salud Catastrófica) Health insurance plan providing coverage for high-cost catastrophic medical conditions. Aimed at individual consumers in Chile seeking financial protection against severe illness events.
- Complementary Health Insurance (Salud Complementaria) Health insurance plan that complements public or other coverage with additional medical benefits. Targets individual Chilean consumers looking to augment their base healthcare coverage.
- Protected Health Insurance (Salud Protegida) Health insurance plan structured to provide broader medical protection for individual policyholders in Chile.
- Oncology Health Insurance (Oncológica) Specialised health insurance plan providing coverage for cancer diagnosis and treatment. Sold to individual Chilean consumers seeking dedicated oncology protection.
Companies that use Colmena Seguros
Customer profileSegments2 records
Ideal customer profiles1 record
Colmena Seguros technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Colmena Seguros partnerships and signals
Strategic signalScale indicators1 record
Recent moves1 record
Expansion highlights1 record
Colmena Seguros competitors and assessment
Company assessmentDirect peers
- Chilena Consolidada Seguros: One of Chile's largest insurance companies offering life, health, and P&C products to individuals and groups, with similar product breadth and multi-channel distribution. Direct comparable in Chilean individual life and health insurance.
- BCI Seguros: Chilean insurance carrier offering life, health, and accident products, distributed through banking and direct channels. Comparable as a Chilean life and health insurer with similar target customer base.
- Banchile Seguros: Chilean insurance company (affiliated with Banco de Chile) offering life, health, and personal accident products to individuals. Direct comparable in Chilean individual life/health insurance market with bank-affiliated distribution.
- MetLife Chile: Global life insurance leader with Chilean operations offering individual life, accident, and supplemental health products. Comparable in life insurance product mix and individual customer focus.
- Liberty Seguros Chile: Chilean subsidiary of Liberty Mutual offering life, health, and personal accident products to individuals and businesses. Direct comparable in individual life/health insurance in Chile.
- Bice Vida: Chilean life insurance specialist offering individual and group life, plus health products. Comparable as a Chilean life insurance specialist competing for similar individual customers.
- Confuturo: Chilean life insurance and annuities provider now part of the Bice group. Comparable as a Chilean individual life insurance carrier with similar product positioning.
Broad incumbents
- SURA Chile: Chilean arm of Latin American financial group SURA, offering life, health, and P&C insurance as part of a broader financial services portfolio. Comparable industry space but operates as a broad incumbent with multiple product lines.
- Mapfre Chile: Chilean subsidiary of global insurer Mapfre offering life, health, auto, and P&C products. Comparable insurance carrier in Chile but with a much broader product and geographic portfolio.
- Zurich Seguros Chile: Chilean subsidiary of global insurer Zurich offering life, P&C, and specialty insurance products. Comparable insurance carrier in Chile but operates as a broad global incumbent with extensive resources.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat1 record
Key risks5 records
Key highlights5 records
Customer concentration
Colmena Seguros social profiles
Digital presenceColmena Seguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
Colmena Seguros leadership team
Management profileNumber of profiles
Profiles1 record
Colmena Seguros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Colmena Seguros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Colmena Seguros
What does Colmena Seguros do?
Colmena Seguros is a Chilean insurance company that underwrites and sells individual life, health, and personal accident insurance policies to consumers. Its portfolio includes term life and accidental death protection policies, alongside health plans such as Catastrophic, Complementary, Protected, and Oncology coverages. Policies are distributed directly through professional agents, telemarketing, and branch offices across Chile.
Is Colmena Seguros a public or private company?
Colmena Seguros is a private company. It is classified as corporate owned and is currently operating.
When was Colmena Seguros founded?
Colmena Seguros was founded in 2013. It employs 51 to 100 people.
Where is Colmena Seguros based?
Colmena Seguros is headquartered in Las Condes, Chile, in the Latin America region.
How does Colmena Seguros make money?
One revenue line is on record: insurance Premiums.
Who are Colmena Seguros's main competitors?
Direct peers on record are Chilena Consolidada Seguros, BCI Seguros, Banchile Seguros, MetLife Chile, Liberty Seguros Chile, Bice Vida and Confuturo. Broad incumbents are SURA Chile, Mapfre Chile and Zurich Seguros Chile.
Does Colmena Seguros have an API?
No public API is recorded for Colmena Seguros.
What industry is Colmena Seguros in?
Colmena Seguros's product category is Insurance. Its primary akta.pro industry code is FSAIAEAK, Individual Health Insurance Administration (TPA/ASO), with a secondary code of FSAIAKAE, Individual/Retail Critical Illness & Hospital Indemnity. Its NAICS code is 52411 and its SIC code is 6311.