What Rimac Seguros Y Reaseguros S.a. does

RIMAC Seguros y Reaseguros S.A. is a privately held Peruvian insurance company founded in 1896, operating as the self-proclaimed #1 insurer in Peru across a multi-line portfolio that includes vehicle insurance, mandatory SOAT (third-party liability), health insurance via a separate EPS entity, life and savings products, travel insurance, home insurance, annuities, and business/enterprise policies. The company serves individuals, families, vehicle owners, SMEs, and enterprise customers through six identified segments, with tiered subscription pricing—for example, vehicle insurance ranges from $33/month (Plan Plata, $100,000 third-party coverage) to $36/month (Plan Oro, $200,000 coverage), travel insurance from $1.67–$3.28/day, and SOAT from S/32.

Revenue mechanics are anchored in recurring insurance premiums across all product lines, supplemented by value-added services such as the 24/7 call center, home doctor visits, videoconsultation, replacement driver service, and roadside assistance. The company operates two core legal entities—RIMAC Seguros y Reaseguros (insurance carrier) and RIMAC S.A. Entidad Prestadora de Salud (health services/EPS)—plus two adjacent subsidiaries: Cuidafarma (specialty pharmacy with home delivery) and Estar Bien (digital wellness platform with 300+ resources). A 300+ clinic national network underwrites the health insurance value proposition.

Distribution is digital-first and omnichannel: App RIMAC (4.5-star-rated mobile platform on iOS and Android), 100% digital SOAT purchasing via website, WhatsApp chatbot Tobi, call center (01) 411-1111, physical stores in Lima's San Isidro and Miraflores districts, and banking/retail partnerships including BBVA, Repsol, ETNA, House Carwash, Tai Loy, Falabella, and Pluxee. Marketing combines content (RIMAC Blog), social media, sports sponsorships (Maratón Lima 42K, Asics Golden Run), and the Estar Bien wellness community. The company is regulated by the Superintendencia de Banca, Seguros y AFP (SBS) and reports through Peru's SMV portal; no public revenue, headcount, ownership, or M&A data is disclosed in available sources.

Name

Rimac Seguros Y Reaseguros S.a.

Legal name

RIMAC Seguros y Reaseguros

Website

https://rimac.com

Company type

Private

Founded year

1896

Operating status

Operating

Short description

RIMAC Seguros y Reaseguros is Peru's self-proclaimed #1 insurance company, offering vehicle, health (EPS), life, travel, SOAT, home, and business insurance via a digital-first omnichannel model anchored by the App RIMAC mobile platform, a 300+ clinic network, and complementary pharmacy and wellness subsidiaries.

Ownership category

akta.pro rank

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Health: Recurring health insurance premiums for individual and group plans, including EPS (Entidad Prestadora de Salud) services with coverage at +300 clinics
2. Insurance Premiums - Vehicle: Vehicle insurance premiums with tiered plans (Plata, Oro) offering coverage from $100,000 to $200,000 for third-party damage, with monthly billing
3. Insurance Premiums - SOAT: Mandatory third-party liability vehicle insurance (SOAT) sold digitally, starting from S/32 for basic coverage
4. Insurance Premiums - Life: Life insurance products including Vida Ahorro Garantizado from $35, Vida Temporal, and life investment products
5. Insurance Premiums - Travel: Travel insurance with daily pricing ($1.67-$3.28/day) covering medical assistance, baggage loss, and trip cancellation
6. Insurance Premiums - Business/Enterprise: Corporate insurance products for businesses including health plans, vehicle fleets, and worker compensation

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels6 records

Core offering

RIMAC Seguros y Reaseguros is a Peruvian insurance company that underwrites and distributes multi-line insurance products — vehicle, health (EPS), life, travel, mandatory SOAT, home, and corporate — alongside complementary digital health services (App RIMAC, videoconsultation, home doctor) and physical channels (call center, retail stores, VIP advisors, partner network). The company operates as a full-stack insurer covering underwriting, policy administration, claims handling, customer service, and customer engagement via its 300+ clinic healthcare network.

Product overview

RIMAC Seguros is a comprehensive insurance provider offering a multi-product portfolio centered around core insurance categories (vehicle, health, life, travel, home, business) along with complementary digital services. The main insurance products include Seguro Vehicular, SOAT, Seguro de Salud (EPS), Seguro de Vida, Vida Ahorro Garantizado, and Seguro de Viajes, each available in multiple plan tiers. The ecosystem is supported by the App RIMAC mobile application (iOS/Android) as the primary digital touchpoint, supplemented by wellness platform Estar Bien and pharmacy service Cuidafarma. The product architecture follows a platform-plus-modules model where the core insurance products are complemented by digital services (App, wellness, pharmacy) that enhance customer engagement and retention.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Vehicular Vehicle insurance covering third-party damage, mechanical assistance, towing, and collisions with motorcycles/scooters/bicycles, offered in Plan Plata (desde $33/month, $100,000 third-party coverage) and Plan Oro (desde $36/month, $200,000 third-party coverage) tiers. Targeted at car and motorcycle owners in Peru.
• SOAT (Seguro Obligatorio de Accidentes de Tránsito) Mandatory third-party liability vehicle insurance required by Peruvian law for all vehicle owners, sold 100% digitally with no physical documentation, starting from S/32 for basic coverage.
• Seguro de Salud (EPS) Health insurance providing medical attention at 300+ top clinics nationwide, with options for videoconsultation, phone consultation, home doctor visits, and 24/7 medical service. Operated via the separate RIMAC S.A. Entidad Prestadora de Salud (EPS) entity.
• Seguro de Vida Life insurance products including flexible plans, term life (Vida Temporal), and savings-oriented coverage, designed for individuals and families seeking financial protection and inheritance planning.
• Vida Ahorro Garantizado Flexible life savings and protection plan starting from $35, combining life coverage with a guaranteed savings component, billed monthly.
• Seguro de Viajes Travel insurance covering medical assistance, luggage loss/damage, trip cancellation, and offering VIP lounge access with 24/7 assistance, available in Plan Viajero, Plan Plus, and Plan Full tiers priced per day for trips up to 60 days.
• Seguros para Empresas Corporate insurance products designed for Peruvian businesses to protect operations, employees, and assets, including group health plans, fleet coverage, and operational risk insurance.
• Seguros para Trabajadores Worker insurance products providing coverage and benefits for employees, including worker compensation and group insurance for SMEs and enterprises.
• Seguros de Hogar Home insurance protecting residential properties and personal belongings.
• Renta Vitalicia Annuity product providing a permanent income stream, typically used for retirement planning.
• App RIMAC Mobile application for iOS and Android allowing customers to manage policies, file claims, access medical services, and use insurance services digitally. Rated 4.5 stars as a top-rated insurance app in Peru.
• Estar Bien Digital wellness community platform offering 300+ resources including wellness paths, learning sessions with experts, nutrition and psychology consultations, and themed communities (runners, healthy foodies, dog lovers).
• Cuidafarma Specialized pharmacy service offering medications, skin care products, maternity items, and healthy living products with home delivery, plus prescription extensions, oncology medicine management, specialized medicine services, and a diabetes program.

Quantifiable outcome

• 24/7 customer service availability for emergencies and inquiries
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

13 partnerships are on record, tiered minor and core.

• BBVAminorGTM or Marketing PartnerBanking partnership for Cashback Cobranza campaigns targeting BBVA customers with unpaid insurance premiums, offering cashback rewards for payment regularization through BBVA accounts.
• RepsolminorGTM or Marketing PartnerFuel discount partnership offering up to S/2.5 per gallon discount at Repsol stations for RIMAC vehicle insurance customers.
• ETNA BatteriesminorGTM or Marketing PartnerBattery discount partnership offering 25% discount on ETNA batteries for RIMAC vehicle insurance customers.
• Exclusividad RemisseminorGTM or Marketing PartnerAirport transfer service partner providing complimentary or discounted airport transportation (ida or retorno) for VIP customers as part of loyalty benefits.
• House CarwashminorGTM or Marketing PartnerCar wash service partner providing complimentary car wash services (body wash, vacuum, waxing, tire silicone) for VIP customers at locations in Miraflores and Santa Anita.
• Tapiz PeruminorGTM or Marketing PartnerCar detailing partner providing complimentary car wash services for VIP customers at location in Breña.
• L1Max MóvilminorGTM or Marketing PartnerSports streaming platform partnership offering free 1-month L1Max Móvil membership as promotional benefit for SOAT digital purchases.
• Tai LoyminorGTM or Marketing PartnerStationery retail partnership offering S/100 gift cards from Tai Loy as promotional prizes for SOAT digital purchases.
• FalabellaminorGTM or Marketing PartnerRetail gift card partnership offering S/300 Falabella gift cards as prizes for VIP customer campaigns.
• PluxeeminorGTM or Marketing PartnerGift card partnership offering Pluxee Visa virtual gift cards worth S/500 as travel insurance purchase prizes.
• CuidafarmacoreGTM or Marketing PartnerOwned pharmacy subsidiary providing health products, prescription services, and skincare products. Serves as prize redemption location for promotional campaigns (sunscreen, wellness products) and extends prescription services with monthly delivery.
• SuperbidminorOthersOnline auction platform for selling damaged/sinistered vehicles from RIMAC insurance claims.
• Superintendencia de Banca, Seguros y AFP (SBS)coreOthersRegulatory body overseeing insurance operations in Peru. RIMAC publishes public information, rejected claims data, and policyholder information through SBS portal.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mapfre Peru: Mapfre Peru is the Peruvian operation of global insurance group Mapfre, offering vehicle, health, life, and home insurance. It directly competes with RIMAC in Peru with similar multi-line offerings and is one of the established international insurers in the market.
• Seguros Sura: Seguros Sura (formerly RSA Peru, part of Sura Group) is a Peruvian insurance carrier offering vehicle, life, and corporate insurance. It is a direct multi-line competitor in Peru with similar customer segments.
• Pacífico Seguros: Pacífico Seguros is one of Peru's largest multi-line insurance carriers, offering health, vehicle, life, and home insurance. It is the most direct head-to-head competitor to RIMAC in the Peruvian market, competing across the same product categories and customer segments.
• Interseguro: Interseguro is a Peruvian insurance company owned by Intercorp, focused primarily on life insurance and investment-oriented savings products. It is a direct competitor in the life and investment insurance segment where RIMAC operates with Vida Ahorro Garantizado and Renta Vitalicia.
• Crecer Seguros: Crecer Seguros is a Peruvian life insurance carrier specializing in individual and group life coverage. It competes directly with RIMAC in the life insurance segment and shares the same Peruvian regulatory and distribution environment.
• La Positiva Seguros y Reaseguros: La Positiva is a major Peruvian multi-line insurer offering vehicle, health, life, and home insurance. It is among the top tier of Peruvian insurance carriers and competes with RIMAC across multiple product lines and customer segments.
• Sanitas Peru: Sanitas Peru is a health-focused insurer operating in Peru as part of the Sanitas international group. It directly competes with RIMAC's health insurance and EPS offerings, particularly in the individual and family health coverage market.

Broad incumbents

• Bupa Peru: Bupa Peru is the local operation of international health insurer Bupa, offering health insurance products. It is most directly comparable to RIMAC's health insurance and EPS segment and operates as a broader international incumbent focused on the health vertical.
• Chubb Seguros Peru: Chubb Peru is the local operation of global insurer Chubb Limited, offering property, casualty, and personal insurance products. It competes with RIMAC particularly in vehicle and commercial insurance as part of a broader global portfolio rather than as a Peru-specialist.
• Zurich Peru: Zurich Peru is the Peruvian subsidiary of Zurich Insurance Group, offering general and life insurance products. It is a broader incumbent in the Peruvian market, competing across multiple RIMAC product lines as part of a wider international portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/RimacSeguros
• YouTubeyoutube.com/user/SegurosRimac
• Facebookfacebook.com/segurosrimac
• LinkedInlinkedin.com/company/rimac-seguros
• Instagraminstagram.com/rimac.seguros

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 Rimac Seguros Y Reaseguros S.a.