Chilena Consolidada

What Chilena Consolidada does

Chilena Consolidada is a Chilean insurance and financial services company operating under the Zurich Insurance Group umbrella, serving both individual consumers and businesses across Chile. The company offers a comprehensive portfolio spanning auto insurance (Auto Digital, Maneja tus km, SOAP), health and life insurance (Zurich Salud, oncology, family protection, term life), savings and investment products (mutual funds, investment funds, voluntary pension savings/APV), commercial and SME insurance (multi-risk, property, liability, fleet, group health and life), and ancillary products (home, mobile phone, travel insurance). Its core technology platform supports 100% online product contracting, claims management, a dedicated broker portal, and a customer self-service portal, with supplementary channels including phone, WhatsApp, and physical branch offices.

The company makes money primarily through recurring insurance premiums collected across personal and commercial lines (monthly, annual, or single-payment basis depending on the product), management fees from mutual funds and investment funds offered through Zurich AGF, and management fees from voluntary pension savings (APV) products. Distribution operates through a hybrid multi-channel model: digital self-service for consumer products, a licensed broker network (corredores) for enterprise and complex products, and remote customer service channels. The Mundo Zurich loyalty program and Comunidad Z content platform serve as retention and engagement mechanisms. Customer segments are split between individual consumers and families (primary) and companies/SMEs (primary), with a horizontal segmentation approach across personal and commercial lines.

Name

Chilena Consolidada

Legal name

Zurich Chile Seguros Generales S.A.

Website

https://www14.chilena.cl

Company type

Private

Founded year

1905

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Chilena Consolidada is a Chilean insurance and financial services company operating as a subsidiary of Zurich Insurance Group, offering auto, life, health, property, SME, and investment products to individual consumers and businesses across Chile through digital, broker, and physical channels.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance products
• Auto insurance
• Life health insurance
• Commercial insurance
• Investment funds

Headquarters

HQ city

Las Condes

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of recurring insurance premiums from policyholders across auto, life, health, property, and business insurance lines. Premiums are paid on monthly, annual, or single-payment basis depending on product type.
2. Investment Products (Fondos Mutuos y Fondos de Inversión): Management fees and commissions from mutual funds and investment funds offered through Zurich AGF, including fixed income, balanced, and variable income funds.
3. Ahorro Previsional Voluntario (APV): Voluntary pension savings products with associated management fees for retirement savings.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Chilena Consolidada (Zurich Chile) is an insurance and investment company that sells auto, life, health, property, and commercial insurance products alongside mutual funds, investment funds, and voluntary pension savings (APV) to individual consumers and SMEs in Chile. The company distributes these products through 100% online digital channels, a network of insurance brokers, and physical offices, supported by phone, WhatsApp, and web-portal customer service.

Product overview

Zurich Chile is a diversified insurance and investment company offering a comprehensive portfolio of products across multiple categories. The core offering consists of auto insurance products (Auto Digital, Maneja tus km, SOAP), health and life insurance (Zurich Salud, Protección Urgencias, family protection plans), life insurance with savings components (Ahorro Universitario, Renta Preferente, Zurich APV, Business Life), business and SME insurance (Mini Flota, Multirriesgo, Property, collective health plans), property and travel insurance (Celular Protegido, Hogar, Viaja Protegido), and investment products (Fondos Mutuos, Fondos de Inversión). The company also operates Mundo Zurich, a loyalty program for policyholders. Products are available through 100% online digital channels for select offerings, with traditional distribution through brokers and offices.

Differentiator

Problem solved

Functional benefit

Brands

• Mundo Zurich: Loyalty and customer engagement program offering discounts, services, and assistance benefits for policyholders.
• Auto Digital
• Maneja tus km
• Zurich AGF
• Zurichpedi@
• Comunidad Z

Products and services

• Auto Digital A 100% online car insurance product that allows customers to quote and purchase coverage entirely digitally, with exclusive benefits such as free first installments and gift cards. Targeted at individual consumers and families seeking personal auto coverage.
• Maneja tus km A usage-based car insurance product where customers pay only for the kilometers they drive, offering flexible coverage that adapts to driving patterns. Targeted at individual drivers with variable mileage.
• SOAP (Seguro Obligatorio de Accidentes Personales) Mandatory personal accident insurance for vehicles, covering accidental death, disability, and medical expenses, available for online purchase. Targeted at all vehicle owners in Chile as required by law.
• Zurich Oncológico Familiar Cancer-specific health insurance providing coverage for oncology treatments and related medical care for family members. Targeted at families seeking specialized health protection against cancer diagnoses.
• Protección Urgencias Health insurance covering medical emergencies with urgency care services and pharmacy discounts. Targeted at individuals seeking emergency medical expense coverage.
• Temporal Plus Term life insurance product with temporary coverage periods. Targeted at individuals seeking defined-period life insurance protection.
• Zurich Mi Vida + Salud Combined life and health insurance product offering integrated protection and wellness benefits. Targeted at individuals and families seeking bundled life and health coverage.
• Zurich Salud Comprehensive health insurance covering medical expenses, hospitalization, and healthcare services. Targeted at individuals and families seeking full health coverage.
• Planes Protección Familiar Family protection plans providing financial security for families in case of death or disability of the primary earner. Targeted at households seeking income-replacement life coverage.
• Ahorro Universitario Education savings insurance product designed to help parents save for their children's university education. Targeted at parents seeking structured long-term education savings.
• Renta Preferente Annuity insurance product offering preferential rent payments as a retirement or income solution. Targeted at retirees or individuals seeking guaranteed income streams.
• Pro Mujer Savings insurance product specifically designed for women, offering tailored financial planning benefits. Targeted at women seeking gender-specific savings and financial planning products.
• Business Life Life insurance product for business owners, protecting business projects and continuity. Targeted at business owners and entrepreneurs.
• Zurich APV Voluntary pension savings insurance product with tax benefits for retirement planning. Targeted at individuals seeking tax-advantaged retirement savings (Ahorro Previsional Voluntario).
• Accidentes Personales Personal accident insurance covering injuries and providing financial protection against accidents. Targeted at individuals seeking standalone accident coverage.
• Mini Flota de Vehículos Commercial vehicle fleet insurance for small businesses covering multiple vehicles under one policy. Targeted at SMEs with commercial vehicle fleets.
• Multirriesgo Multi-risk business insurance covering multiple business perils including property damage, liability, and business interruption. Targeted at SMEs and large companies seeking bundled commercial coverage.
• Propiedad o Property Property insurance covering commercial and residential buildings against damage and losses. Targeted at property owners and businesses with significant physical assets.
• Transporte Transportation insurance covering goods in transit against loss, damage, or theft. Targeted at businesses involved in shipping and logistics.
• Vehículos Comerciales Commercial vehicle insurance for businesses covering trucks, vans, and other commercial transportation. Targeted at businesses with commercial vehicles and fleets.
• Protección Financiera Financial protection insurance for businesses covering credit and financial risks. Targeted at companies seeking coverage for credit and financial exposures.
• Responsabilidad Civil Liability insurance covering various sectors including property management, construction, events, maritime, government contracts, offices, and general services. Targeted at businesses across multiple industries seeking civil liability coverage.
• Todo Riesgo Construcción All-risk construction insurance covering buildings and infrastructure during the construction phase. Targeted at construction companies, developers, and contractors.
• Colectivo Complementario de Salud Supplementary collective health insurance for companies offering employee health benefits. Targeted at employers seeking to provide supplemental health coverage to employees.
• Colectivo de Vida Group life insurance for companies providing coverage to employees. Targeted at employers offering group life insurance as an employee benefit.
• Colectivo Salud Pyme Health insurance specifically designed for small and medium-sized enterprises (SMEs). Targeted at SME employers offering health benefits to their workforce.
• Protección Familiar para Empresas Family protection insurance bundled as an employee benefit for companies. Targeted at employers seeking to extend family protection benefits to employees.
• Celular Protegido Mobile phone insurance covering theft and accidental damage, available for 100% online purchase with discounts up to 60%. Targeted at individual consumers purchasing smartphone protection.
• Seguro de Hogar Home insurance protecting residential properties against damage, theft, and other perils. Targeted at homeowners and renters seeking residential property coverage.
• Viaja Protegido Travel insurance and assistance providing coverage for accidents, illnesses, and emergencies while traveling, integrated with Universal Assistance for 24/7 international support. Targeted at travelers and tourists seeking comprehensive travel protection.
• Fondos Mutuos Mutual funds investment product allowing customers to invest in fixed income, balanced, and variable income funds, managed by Zurich AGF. Targeted at individual investors and SMEs seeking diversified investment vehicles with minimum investment starting from $1,000 CLP.
• Fondos de Inversión Investment funds product offering fixed income and alternative investment options. Targeted at investors seeking more sophisticated fund vehicles beyond mutual funds.
• Ahorro Previsional Voluntario (APV) Voluntary pension savings product with tax benefits for retirement planning. Targeted at individuals seeking tax-advantaged voluntary retirement savings (Ahorro Previsional Voluntario).
• Mundo Zurich Customer loyalty and engagement program offering benefits, discounts, services, and free assistance for policyholders, including contests and exclusive promotions as well as reduced mutual fund management fees for members. Targeted at Zurich Chile customers across all product lines.

Segments2 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

Partnerships

Four partnerships are on record, tiered major, minor and core.

• Z Zurich FoundationmajorStrategic or Co-development Partner · 1 January 2026Z Zurich Foundation matches charitable donations made by Zurich Chile customers, doubling the impact of contributions to humanitarian causes. Currently active in matching donations for Venezuela earthquake relief efforts, demonstrating commitment to corporate social responsibility.
• ACNUR (UNHCR)minorGTM or Marketing Partner · 1 January 2026Partnership for Venezuela earthquake relief campaign where donations made through the campaign page are matched by Z Zurich Foundation, directing contributions to refugee assistance programs.
• Universal AssistancecoreTechnology or IntegrationThird-party travel assistance provider integrated into Zurich Chile's travel insurance products. Provides 24/7 international travel assistance services including medical coordination, emergency support, and travel document assistance for policyholders.
• SERNAC (Servicio Nacional del Consumidor)coreStrategic or Co-development PartnerAgreement with Chile's consumer protection authority for GPS provision to auto insurance policyholders. The SERNAC-Zurich agreement establishes terms for free GPS device provision to prevent vehicle theft under the Ley Antiportonazo legislation.

Scale indicators2 records

Recent moves6 records

Expansion highlights10 records

Direct peers

• SURA Chile: Chilean subsidiary of regional player Grupo SURA offering life, auto, home and SME insurance; comparable to Zurich Chile in product breadth and distribution through corredores and digital channels.
• Mapfre Chile: Spanish-headquartered insurer with Chilean operations offering auto, home, life and SME insurance; directly competes with Zurich Chile on multi-line personal and commercial coverage in Chile.
• MetLife Chile: Chilean arm of global life and health insurer MetLife, competing in life, health, group benefits and voluntary pension savings (APV), overlapping directly with Zurich Chile's life-with-savings portfolio.
• Liberty Seguros Chile: Chilean operation of Liberty Mutual offering auto, SME and specialty commercial insurance; competes directly with Zurich Chile in commercial and personal lines through corredor and digital channels.
• HDI Seguros Chile: Chilean insurer backed by Germany's HDI Group offering auto, home, life and SME insurance; directly competes with Zurich Chile across personal and commercial lines in the Chilean corredores channel.
• BICE Vida: Chilean life insurance and investment management company offering life, health and savings products; directly competes with Zurich Chile in individual life and APV/mutual fund offerings within the same Chilean market.
• Banchile Seguros: Bank-affiliated Chilean insurance distributor offering auto, life and home policies via Banco de Chile's branch network; competes with Zurich Chile particularly in bancassurance-style personal line distribution.
• Consorcio (Consorcio Financiero): Chilean financial group with insurance, mortgage and savings operations; competes head-to-head with Zurich Chile in personal and commercial insurance, particularly auto, life and SME collective lines.

Broad incumbents

• Chubb Seguros Chile: Chilean arm of global specialty insurer Chubb offering personal accident, property, liability and commercial lines; comparable to Zurich Chile's commercial and specialty segments within a multi-line local portfolio.
• Allianz Chile: Chilean subsidiary of global insurer Allianz, offering a broad portfolio of personal and commercial lines; broader global incumbent comparable to Zurich Chile as a multi-line, global-brand local insurer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ZurichCl
• LinkedInlinkedin.com/showcase/zurich-chile/?viewAsMember=true
• Instagraminstagram.com/zurich_chile
• Xx.com/ChilenaCL

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 Chilena Consolidada