Adisa

What Adisa does

Adisa (legally Internacional de Seguros) is a privately held Costa Rican insurance company founded in 2010 and authorized by the Superintendencia General de Seguros (SUGESE) under the Ley Reguladora del Mercado de Seguros. The company sells a broad insurance portfolio — medical expenses (Gastos M\u00e9dicos), automobile, collective/group (Colectivos), self-issuable mass-market products (Autoexpedibles covering health, accident, dental, and funeral), and general (Generales) lines — with over 140 insurance options and more than 700,000 insured individuals. It operates across two countries, Costa Rica and Panama (via iseguros.com).

The company's technology stack is a five-portal digital ecosystem: customer self-service portals (seguromedico.adisa.cr, autoenlinea.adisa.cr, servicioenlinea.adisa.cr), a medical provider portal (redmedica.adisa.cr), and a web-based intermediary quoting and policy issuance platform (webquoter.adisa.cr). These portals are supplemented by multi-channel sales infrastructure including dedicated telephone lines and WhatsApp contact numbers for each product line, plus a TeleAtenci\u00f3n virtual appointment service. No AI/ML capabilities, API platform, or mobile apps are disclosed.

The revenue model is subscription/recurring, generated through monthly and annual insurance premiums paid by policyholders. Go-to-market is sales-led and direct, with dedicated inbound channels for each product line (phone, WhatsApp, virtual) and intermediated distribution via the WebQuoter platform. The primary customer segment is corporate and business clients using collective and modular group policies, with secondary segments in individual/self-service mass-market and general property coverage. Pricing is quote-based rather than publicly disclosed, and no revenue figures, headcount data, or funding rounds are available in source materials.

Name

Adisa

Legal name

Internacional de Seguros

Website

https://adisa.cr

Company type

Private

Founded year

2010

Operating status

Operating

Short description

Adisa (Internacional de Seguros) is a SUGESE-regulated Costa Rican insurance carrier founded in 2010, offering health, automobile, collective, and general insurance products to more than 700,000 individuals and businesses across Costa Rica and Panama via direct sales and a multi-portal digital ecosystem.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Health insurance
• Automobile insurance
• Group insurance
• Self-issuable insurance
• General insurance

Headquarters

HQ city

Escazú

HQ country

Costa Rica

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: Collection of recurring insurance premiums for health, automobile, collective, and self-service insurance products. Revenue generated through monthly or annual premium payments from policyholders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Adisa (Internacional de Seguros) is a Costa Rican insurance company that sells health (Gastos Médicos), automobile, collective/group (Colectivos), self-issuable (Autoexpedibles), and general insurance policies to individuals and corporate clients. The company supplements its insurance products with a digital platform ecosystem including online customer, intermediary, and medical provider portals for policy management, quoting, claims, and teleconsultation services.

Product overview

Adisa (Internacional de Seguros) operates as a Costa Rican insurance company offering a comprehensive portfolio of insurance products and digital service platforms. The core product lineup includes Gastos Médicos (Medical Expenses), Automóviles (Automobile), Colectivos (Collective/Group), Autoexpedibles (Self-Issuable), and Generales (General) insurance products. The company supplements its insurance offerings with multiple digital service portals including online platforms for medical insurance customers (seguromedico.adisa.cr), automobile insurance management (autoenlinea.adisa.cr), other insurance services (servicioenlinea.adisa.cr), a medical provider portal (redmedica.adisa.cr), and a web-based policy quotation and issuance system (WebQuoter) for intermediaries. The company has over 700,000 insured customers and offers more than 140 insurance options.

Differentiator

Problem solved

Functional benefit

Products and services

• Gastos Médicos (Medical Expenses Insurance) Health insurance coverage for medical expenses, offering access to a medical network, teleconsultation services, and claims management for individuals and groups.
• Automóviles (Automobile Insurance) Vehicle insurance covering damages to insured automobiles, third-party liability, and roadside assistance services.
• Colectivos (Collective/Group Insurance) Group insurance products including modular and customizable collective policies designed for corporate clients to cover their employees, associates, or customers.
• Autoexpedibles (Self-Issuable Insurance) Self-issuable insurance products designed for mass market accessibility, featuring affordable pricing, no requirements or prior studies, including health coverage, accidents, dental expenses, and funeral services.
• Generales (General Insurance) Insurance policies covering risks related to damage to own or third-party property and patrimonial losses faced by individuals and businesses.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Aseguradora Mundial: Panama-headquartered insurance company offering multi-line coverage including health, auto, and general insurance. Operates as a regional competitor of similar scale to Adisa in the Central American market with comparable product breadth.
• Pan-American Life Insurance Group (PALIG): U.S.-headquartered insurer with established operations in Costa Rica, Panama, and across Latin America. Provides individual and group life, health, and accident insurance products through similar distribution models, directly competing with Adisa's collective and individual health offerings.
• ASSA Compañía de Seguros: Panama-headquartered multi-line insurer with operations across Central America including Costa Rica and Panama. Offers similar health, auto, life, and general insurance products through comparable distribution channels, making it the closest geographic and product-line peer to Adisa.
• Aseguradora Ancón: Panama-based multi-line insurance company offering health, auto, life, and general insurance products. Comparable in size and product breadth to Adisa's Panama operations and a direct competitor in the Central American insurance market.

Broad incumbents

• MAPFRE: Global Spanish insurance group with significant operations in Costa Rica. Offers auto, health, life, and general insurance products to both individual and corporate customers, competing directly with Adisa across multiple product lines in the same market at substantially greater scale.
• Instituto Nacional de Seguros (INS): Costa Rica state-owned insurance company with dominant market position across health, auto, life, and general insurance lines. As the market leader backed by government preference and policy mandates, INS represents Adisa's largest structural competitor in its home market.
• Zurich Insurance Latin America: Global insurance carrier with Latin American operations including Costa Rica. Offers commercial and personal lines insurance products competing with Adisa's corporate/collective and individual insurance segments while bringing global reinsurance and capital backing.
• Chubb Latin America: Global property and casualty insurer with significant Latin American presence. Offers personal and commercial insurance products including health, auto, and general lines that overlap with Adisa's portfolio in the Central American market at much larger global capital scale.
• Seguros SURA: Latin American insurance provider operating across multiple Central and South American markets including Costa Rica. Offers auto, health, life, and general insurance products, positioning it as a multi-country competitor with broader scale and product diversification than Adisa.

Regional players

• Sagicor Life Insurance: Caribbean and Central American life and health insurer with operations in Costa Rica and Panama. Focused primarily on life and health products, overlapping with Adisa's medical expense and life insurance segments within the same Central American geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/about
• LinkedInlinkedin.com/company/aseguradora-del-istmo-adisa-s-a
• Instagraminstagram.com/intdeseguroscr

Revenue estimate

Valuation estimate

Number of profiles

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 Adisa