Hipotecario Seguros

Name

Hipotecario Seguros

Legal name

BHN Seguros Generales S.A. / BHN Vida S.A.

Website

https://hipotecarioseguros.com.ar

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

Keywords

• Home insurance
• Rental guarantee insurance
• Personal accident coverage
• Mobility insurance
• Digital insurance platform

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Recurring insurance premiums collected from policyholders for coverage across multiple product lines including home, health, personal accidents, mobility, and surety bond insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Hipotecario Seguros sells personal insurance products directly to individual consumers in Argentina through a 100% digital channel. Its core offerings include customizable home insurance (Seguro de Hogar / Hogar Abierto), health insurance, personal accident coverage, movable goods insurance, rental surety bonds (Caución) for tenants, and mobility insurance for bicycles and e-scooters. Policies are quoted, purchased, and managed online, with claims reported via web, phone, or WhatsApp.

Product overview

Hipotecario Seguros offers a comprehensive portfolio of insurance products as a subsidiary of Banco Hipotecario, Argentina's historic mortgage lender with over 130 years of experience. The product lineup includes Seguro de Hogar (customizable home insurance with 24/7 assistance), Salud (health coverage with medical discounts and dental assistance), Accidentes Personales (income protection), Bienes Móviles (movable goods protection), Caución (rental surety bonds enabling guaranteed tenancy), and Movilidad (bicycle and e-scooter insurance). All products are designed for 100% online purchase with accessible pricing, transparent terms without fine print, and support available 24/7.

Differentiator

Problem solved

Functional benefit

Brands

• P.A.S. Portal de Autoservicio (Self-Service Portal) for policy management.
• ConecTA HS

Products and services

• Seguro de Hogar (Hogar Abierto) Customizable home insurance for Argentine homeowners that allows policyholders to pay only for the exact protection they need, with 24/7 home assistance services including plumbing, electricity, locksmith, and air conditioning gas recharge. Priced annually based on selected coverage and property value.
• Salud Health insurance for individuals and families protecting against health emergencies, with medical discounts, ambulance services for emergencies, free medical consultations, and dental assistance.
• Accidentes Personales Personal accident insurance that protects policyholders' income in case of accidents, ensuring financial stability during recovery periods.
• Bienes Móviles Movable goods insurance covering personal possessions against destruction and theft, designed for protecting personal belongings.
• Caución Surety bond insurance providing guaranteed rental coverage for tenants and property owners, enabling tenants to rent properties without traditional security deposits. Pricing starts from $237 Argentine pesos per day on a pay-as-you-go basis.
• Movilidad Mobility insurance covering bicycles and electric scooters, providing protection for commuters with a 100% online quotation and purchase process.

Quantifiable outcome

• Claims processed within 1 week for repair authorizations
• +1 more outcomes

Named customers5 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

Partnerships

One partnership is on record.

• Banco HipotecariocoreStrategic or Co-development PartnerHipotecario Seguros is a subsidiary of Banco Hipotecario, leveraging 130+ years of experience in housing finance. The insurance company uses the bank's distribution network and brand equity to reach customers seeking insurance products tied to property ownership and rental.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• Lemonade: Lemonade is a US-based digital-first insurance carrier using a mobile/app-led PLG motion and AI-driven claims processing. Comparable to Hipotecario Seguros as a reference point for the digital, self-service insurance distribution model the Argentine carrier is scaling domestically.

Broad incumbents

• Mapfre Argentina: Mapfre Argentina is the local subsidiary of global insurer Mapfre, offering home, auto, health, and life products across the country. Comparable to Hipotecario Seguros in multi-line product coverage and Argentine retail customer focus, though backed by significantly greater capital and global infrastructure.
• La Caja Seguros: La Caja Seguros is an Argentine insurer with broad personal and commercial P&C offerings, including home and life. It is comparable to Hipotecario Seguros as a long-standing Argentine multi-line carrier targeting retail customers.
• Sancor Seguros: Sancor Seguros is one of Argentina's largest cooperative insurers, offering a broad portfolio across home, auto, life, and commercial lines. It is directly comparable to Hipotecario Seguros as a multi-line, multi-channel Argentine P&C and life carrier competing for the same mass-market homeowner and family segments.
• Federación Patronal Seguros: Federación Patronal is a major Argentine insurer offering home, auto, life and commercial products with a strong regional and digital push. Comparable to Hipotecario Seguros in product breadth and target segments within the Argentine mass market.
• Zurich Argentina: Zurich Argentina is the local arm of global insurer Zurich, offering home, auto, life, and commercial products. Comparable to Hipotecario Seguros as a multi-line Argentine personal-lines carrier competing for similar homeowner and family customer segments.
• San Cristóbal Seguros: San Cristóbal Seguros is a large Argentine mutual insurer with extensive product breadth including home, auto, and life cover. It competes with Hipotecario Seguros for the same homeowner, family, and SME customer base across Argentina.

Direct peers

• Galeno Seguros: Galeno is an Argentine health and personal-lines insurer with a strong retail family focus and digital channels. Comparable to Hipotecario Seguros specifically on the Salud health-insurance product and personal accident coverage targeting Argentine families.
• Swiss Medical Seguros: Swiss Medical is a leading Argentine health and accident insurer offering prepaid health plans and personal accident cover to individuals and families. Directly comparable to Hipotecario Seguros on the Salud and Accidentes Personales products within the same Argentine retail market.
• Banco Galicia Seguros: Banco Galicia operates its own insurance distribution arm selling home, life, and personal accident products to its bank customers. Directly comparable to Hipotecario Seguros as a fellow Argentine bancassurance player using bank customer relationships and digital channels to distribute personal-lines insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• TikToktiktok.com/@hipotecario.seguros
• Xx.com/hipotecariosegu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Hipotecario Seguros