Andina ART

What Andina ART does

Andina ART S.A. is an Argentine workers' compensation insurer (Aseguradora de Riesgos del Trabajo, ART) that provides mandatory coverage for workplace accidents and occupational diseases. The company operates as a regulated entity under Law 24.557, registered with the Superintendencia de Seguros de la Nación (SSN) under number 0959 and supervised by the Superintendencia de Riesgos del Trabajo (SRT). It is a subsidiary of Compañía de Seguros La Mercantil Andina S.A., a diversified Argentine insurance group headquartered in Mendoza, and serves 14,393 employer clients covering 265,752 workers through a national network of more than 6,335 healthcare providers.

The service offering is anchored on three digital layers. Comunidad Andina is the flagship client and producer portal built on Salesforce Experience Cloud, enabling 100% online policy management, paperless claims, RGRL/RAR declarations, and digital policy issuance (Póliza Digital) integrated with AFIP tax workflows and SRT e-Servicios. Academia Andina is an e-learning platform providing free workplace-safety training to covered workers. International travel coverage is delivered through a partnership with Europ Assistance, adding medical, telemedicine, and repatriation benefits for workers on business trips. Supporting surfaces include a provider billing portal and the Cartilla de Prestadores directory.

Commercially, Andina ART monetizes via monthly recurring premiums from employers, calculated as a fixed per-employee component, a percentage of salary mass, and an FFEP contribution per worker, with payment processed via VEP through AFIP. Distribution combines licensed insurance producers, direct digital self-serve quoting, inside-sales call centers (0800 lines and WhatsApp), and a healthcare-provider channel that can be expanded via a "Sumate como prestador" onboarding flow. The company reports no AI/ML capabilities and offers no public API; technology differentiation centers on workflow digitization rather than algorithmic underwriting.

Name

Andina ART

Legal name

Andina ART S.A.

Website

https://andinaart.com.ar

Company type

Private

Operating status

Operating

Short description

Andina ART is an Argentine regulated workers' compensation insurer (ART) serving 14,393 employers and 265,752 workers through a digital portal (Salesforce Experience Cloud), a national provider network, and a free e-learning prevention academy, operating as a subsidiary of La Mercantil Andina.

Ownership category

akta.pro rank

Product category

Workers' Compensation Insurance

akta.pro primary industry

Worksite Critical Illness Insurance (FSAIAMAC)

akta.pro secondary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

Keywords

• Workers compensation insurance
• Occupational risk coverage
• Workplace accident insurance
• Occupational disease coverage
• Employee injury protection

Headquarters

HQ city

Mendoza

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Workers' Compensation Insurance Premiums: Monthly premium payments from employers for workers' compensation coverage. The quota is composed of a fixed value per employee (capita), a percentage on the salary mass, and an additional per-employee value for FFEP (Professional Diseases Fund).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Andina ART S.A. is an Argentine Aseguradora de Riesgos del Trabajo (ART) that provides mandatory workers' compensation insurance to employers, covering workplace accidents, occupational diseases, medical care, rehabilitation, prosthetics, funeral services, and economic compensation for affected workers. The company also offers prevention services, free e-learning training via Academia Andina, international travel coverage through Europ Assistance, and digital policy management through its Comunidad Andina online portal.

Product overview

Andina ART operates as a workers' compensation insurance (ART) provider belonging to the La Mercantil Andina insurance group, regulated by Argentina's SRT and SSN. The core product is Andina ART (Seguros de Riesgos del Trabajo), providing mandatory work accident and occupational disease coverage. The service ecosystem is built around the digital-first Comunidad Andina portal (built on Salesforce Experience Cloud) for 100% online policy management, claims, and declarations. Supporting offerings include Academia Andina (e-learning for workplace safety), Póliza Digital (mandatory digital policy documentation), the Portal de Facturación for provider billing, the Cartilla de Prestadores network directory with 2,000+ medical providers nationwide, international coverage via Europ Assistance, and a specialized fraud prevention program. All core services are accessible through the online platform, with phone and WhatsApp channels for emergency claims reporting 24/7.

Differentiator

Problem solved

Functional benefit

Brands

• Academia Andina: E-learning platform offering workplace safety and prevention courses for workers and employers.
• Comunidad Andina

Products and services

• Andina ART (Seguros de Riesgos del Trabajo) Mandatory workers' compensation insurance (ART) covering workplace accidents and occupational diseases for Argentine employers and their employees. Includes medical care, economic benefits, rehabilitation, prosthetics, funeral services, and compensation payments.
• Academia Andina
• Cobertura Internacional (International Travel Coverage)
• Programa de Prevención contra el Fraude

Quantifiable outcome

• 24/7 emergency response available 365 days a year
• +1 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

One partnership is on record.

• Mercantil Andina (Compañía de Seguros La Mercantil Andina S.A.)coreStrategic or Co-development PartnerAndina ART S.A. is a subsidiary of Compañía de Seguros La Mercantil Andina S.A. The company is part of this insurance group which also operates property and casualty insurance. Andina ART operates under the same corporate umbrella and shares brand identity.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Galeno ART: One of the largest ART insurers in Argentina, providing mandatory workers' compensation coverage to employers with a national provider network. Directly comparable in product offering, regulatory exposure, and customer base to Andina ART.
• Sancor ART: Major Argentine ART insurer and part of the Sancor Seguros group, offering workers' compensation, prevention services, and provider networks nationwide. Operates under the same regulatory regime and targets the same employer base as Andina ART.
• Asociart ART: Cooperative-style ART insurer serving Argentine employers with workers' comp coverage, prevention training, and medical provider networks. Highly comparable product mix and target customer segment.
• Federación Patronal ART: Large Argentine ART insurer focused on employers, providing workers' compensation coverage with prevention services and a national provider network. Directly comparable in core product and regulatory positioning.
• La Caja ART: Established Argentine ART insurer offering mandatory workers' comp coverage to employers across the country. Comparable product portfolio, employer customer base, and SRT regulatory framework.
• Prevención ART: Argentine workers' compensation insurer with strong emphasis on workplace accident prevention services and provider networks. Comparable in core product offering and customer segment to Andina ART.
• SMG ART: Mid-sized Argentine ART insurer providing workers' compensation coverage to regional employers. Comparable in scale, product offering, and regulatory exposure.

Broad incumbents

• Liberty ART: Argentine arm of Liberty Mutual offering ART coverage alongside broader P&C and life insurance products. Comparable in the ART line of business but operates as part of a larger diversified insurance portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/andina-art
• YouTubeyoutube.com/channel/UCxCgNL_1Z3eLQ5qUl1VvP5g

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Andina ART