Zurich Chile S.a.

What Zurich Chile S.a. does

Zurich Chile S.a. is the Chilean insurance operations of Switzerland-based Zurich Insurance Group, conducting business through three CMF-regulated entities: Zurich Chile Seguros de Vida S.A. (life and health), Zurich Chile Seguros Generales S.A. (general insurance), and Zurich Chile Asset Management Administradora General de Fondos S.A. (mutual and investment funds). The company was rebranded from Chilena Consolidada to Zurich Chile in September 2022 following CMF approval, integrating the Chilean operations under the global Zurich brand. Headquartered at Avda. Apoquindo 5550 in Las Condes, Santiago, Zurich Chile serves both individual consumers and enterprises across Chile with a portfolio spanning auto insurance (Auto Digital, Maneja tus km, SOAP), life and health coverage (oncology, family protection, APV voluntary pension savings, collective corporate plans), commercial lines (multi-risk, civil liability, construction all-risk, commercial fleets, transportation), and investment products (fixed income, balanced, variable income, and structured UF mutual funds).

The company operates a digital-first platform enabling 100% online contracting for several consumer products (Auto Digital, Celular Protegido, Maneja tus km), complemented by a licensed broker/corredor network for enterprise accounts, a call center, 24/7 WhatsApp support, and physical branches. Revenue is generated primarily through recurring insurance premiums across life/health and P&C lines plus asset management fees on mutual and investment funds. The differentiated Maneja tus km product introduces usage-based pricing tied to kilometers driven, and the Mundo Zurich loyalty program — combined with partner discounts at Aramco fuel stations, Farmacia Ahumada, and Grupo Cetep healthcare — anchors a relationship-driven retention model. Zurich Chile was recognized as Chile's most sustainable insurance company by Brinca-UAI in 2025, citing an 86% emissions reduction since 2019 and 80% hybrid/electric fleet conversion.

Zurich Chile serves a diversified customer base spanning individual auto owners, families, SMEs and large corporations, individual investors, and government entities such as the Policía de Investigaciones de Chile. Named enterprise clients include Cencosud, Santander, Nestlé, Falabella, Sodimac, and Anglo American, while consumer distribution operates at high-volume through the website, Mundo Zurich program, and promotional campaigns offering free installments and prizes. The business is led by CEO Sebastián Dabini, with three licensed entities consolidated under the Zurich Insurance Group ownership and supervised by the Chilean CMF.

Name

Zurich Chile S.a.

Legal name

Zurich Chile Seguros de Vida S.A.

Website

https://zurich.cl

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Zurich Chile S.a. is the Chilean insurance and asset management subsidiary of Zurich Insurance Group, offering auto, life, health, commercial, and investment products to individuals, families, SMEs, corporations, and government entities across Chile through digital, broker, and branch channels.

Ownership category

akta.pro rank

Product category

Insurance (General, Life, Health) and Asset Management

NAICS

Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Life Insurance (6311)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• General insurance products
• Life and health insurance
• Commercial insurance coverage
• Investment fund management
• Savings life insurance

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: Zurich Chile Seguros Generales S.A. generates revenue through auto insurance (Digital, Fácil, Elígelo), SOAT mandatory insurance, home insurance, commercial property coverage, and other general insurance premiums collected on a recurring basis
2. Life and Health Insurance Premiums: Zurich Chile Seguros de Vida S.A. collects premiums for life insurance, family protection, health coverage, savings-linked life insurance (Vida con Ahorro), and collective health plans for corporate clients
3. Investment Fund Management Fees: Zurich Chile Asset Management Administradora General de Fondos S.A. earns fees from managing mutual funds (Fondos Mutuos) and investment funds across fixed income, balanced, and variable income categories

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Zurich Chile provides general, life, and health insurance products — including digital auto coverage, mandatory SOAP, family protection plans, savings-linked life insurance, cellphone, home and travel insurance — alongside mutual funds and investment funds managed through its AGF entity. Products are sold to individual consumers, SMEs, and corporate clients across Chile via digital self-service, brokers, agents, call center, WhatsApp, and branch offices. The Mundo Zurich loyalty program and ESG-oriented positioning round out the offering portfolio.

Product overview

Zurich Chile offers a comprehensive portfolio of insurance and investment products for individuals and businesses across Chile. For individuals, the company provides auto insurance (including digital and pay-per-km options), life and health insurance, savings-oriented life insurance with investment components (including university savings, voluntary pension savings), personal accident coverage, cellphone and home insurance, and travel assistance. For businesses and SMEs, Zurich Chile offers commercial auto fleet insurance, multi-risk property coverage, transportation insurance, civil liability insurance across multiple sectors, construction all-risk insurance, and collective health and life insurance programs. The investment arm, Zurich Chile Asset Management, provides mutual funds (fixed income, balanced, variable income, and structured UF products) and investment funds. The Mundo Zurich loyalty program enhances the product ecosystem by offering exclusive benefits and discounts to policyholders. All products are regulated by Chile's Commission for the Financial Market (CMF) and can be contracted through digital channels, agents, or branches.

Differentiator

Problem solved

Functional benefit

Brands

• Mundo Zurich: Loyalty and rewards program for Zurich Chile clients offering discounts, services, and exclusive benefits.

Products and services

• Seguro Auto Digital Fully digital auto insurance for individual consumers in Chile, with 100% online contracting covering damages and theft, including digital claims and digital assistance services.
• Seguro Maneja tus km Pay-per-kilometer auto insurance for individual vehicle owners; premiums adapt to actual kilometers driven with no fixed surprises. Base price $9,990 per month during first three months.
• SOAP (Seguro Obligatorio de Accidentes Personales) Mandatory personal accident insurance covering accidental death, disability, and medical expenses for vehicle owners in Chile; contractable 100% online with promotional discounts.
• Zurich Oncológico Familiar Oncology insurance providing comprehensive cancer coverage for the entire family, targeted at Chilean individuals and families.
• Protección Urgencias Life insurance for medical emergencies with health coverages for medical urgencies and pharmacy discounts, targeted at individuals and families.
• Temporal Plus Term life insurance offering temporary protection at affordable rates for individual policyholders.
• Mi Vida + Salud Combined life and health insurance product providing integrated life and medical coverage for individuals.
• Zurich Salud Health insurance with comprehensive medical coverage for individual consumers.
• Planes Protección Familiar Family protection plans including life, health, and medical support designed to accompany loved ones at every stage.
• Ahorro Universitario University savings plan allowing families to save for children's higher education with tax benefits.
• Business Life Business life insurance solution tailored for entrepreneurs and business owners.
• Pro Mujer Life insurance product designed specifically for women with tailored coverage.
• Renta Preferente Preferred income life insurance with a savings component and preferential benefits for individual policyholders.
• Zurich APV (Ahorro Previsional Voluntario) Voluntary Pension Savings (APV) with tax benefits for retirement savings, with savings starting from $1,000 and reduced monthly remuneration for Mundo Zurich clients.
• Celular Protegido Cellphone insurance providing repair or replacement for accidental damage or theft, with online contracting and discounts up to 60% available.
• Seguro Hogar Fácil Plus Home insurance covering property damage, theft, and other home-related risks for individual homeowners.
• Viaja Protegido (Travel Insurance) Travel insurance and assistance delivered via Universal Assistance partner, covering medical assistance, luggage loss, and accidents during trips.
• Mini Flota de Vehículos Mini vehicle fleet insurance for businesses with small commercial vehicle fleets.
• Multirriesgo Multi-risk business insurance covering multiple property and liability exposures for SMEs and corporations.
• Transporte (Cargo) Transportation insurance covering goods in transit, cargo, and logistics operations for businesses.
• Vehículos Comerciales Commercial vehicle insurance for businesses with larger commercial vehicle fleets.
• Responsabilidad Civil Civil liability insurance with multiple variants including General, Construction, Events, Maritime, MOP, Offices, Services, and Property Administration for businesses.
• Todo Riesgo Construcción All-risk construction insurance covering buildings and construction projects for commercial clients.
• Colectivo Complementario de Salud Supplementary health collective insurance for corporate employee benefit programs.
• Colectivo de Vida Life collective insurance for corporate employee benefit programs.
• Colectivo Salud Pyme SME-focused health collective insurance for small and medium enterprises.
• Fondos Mutuos Zurich AGF Mutual funds including Fixed Income (Renta Fija), Balanced (Balanceados), Variable Income (Renta Variable), and Structured UF funds, administered by Zurich Chile Asset Management AGF.
• Fondo Mutuo Estructurado UF Structured UF mutual fund with 18-month horizon and target return of UF+1.5% to UF+2.5% annually (not guaranteed).
• Fondos de Inversión Investment funds including Fixed Income and Alternatives, managed by Zurich Chile Asset Management.

Quantifiable outcome

• 86% reduction in emissions since 2019
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Universal AssistancecoreStrategic or Co-development PartnerUniversal Assistance provides travel assistance services integrated with Zurich Chile's travel insurance products. Customers can access medical assistance, baggage loss coverage, and accident protection through this partnership for travel protection products sold via www.zurich.cl.
• Corporación CultivaminorStrategic or Co-development PartnerPartnership for social impact initiatives aligned with Zurich Chile's sustainability strategy and community engagement programs.
• Fundación ForgeminorStrategic or Co-development PartnerSocial partnership supporting youth development and employment programs as part of Zurich's sustainability and community investment initiatives.
• Fundación Gastronomía SocialminorStrategic or Co-development PartnerPartnership supporting food security and social welfare programs, including the Comida para Todos initiative that benefited 2,000 youth.
• Mandala PartnersminorStrategic or Co-development PartnerConsulting partner that collaborated with Zurich Insurance Group on The Value of Mental Health research study published in 2026.
• Aramco (Estaciones Aramco)minorGTM or Marketing PartnerFuel station partner offering discount coupons (up to $50,000 per load, max 5 loads) for auto insurance customers as part of promotional campaigns.
• Grupo CetepminorChannel Partner/ Reseller/ DistributorHealthcare provider network where health insurance customers can access services and where certain promotional benefits are available (e.g., medical consultations through Mhaite platform).

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Principal Financial Group Chile: Chilean arm of global financial services firm offering life insurance, mutual funds, and investment products. Comparable to Zurich Chile Asset Management and Seguros de Vida in mutual funds and life savings products.
• Liberty Seguros Chile: Chilean subsidiary of Liberty Mutual, offering personal and commercial P&C insurance. Directly comparable to Zurich Chile in auto, home, and SME commercial products across similar Chilean distribution channels.
• HDI Seguros Chile: German-owned insurer with strong auto insurance position in Chile. Directly comparable to Zurich Chile's general insurance business, especially in auto where both brands compete via brokers and digital channels.
• BCI Seguros: Insurance arm of BCI, one of Chile's largest banks, distributing life, health, and general insurance products through bank channels and digital. Directly comparable in offering multi-line insurance products to retail and corporate clients in Chile.
• Chubb Seguros Chile: Chilean operation of global insurer Chubb, with strong P&C and specialty commercial lines. Comparable to Zurich Chile Seguros Generales in commercial P&C, particularly large corporate and specialty risk segments.
• MAPFRE Chile: Chilean subsidiary of global Spanish insurer MAPFRE, offering auto, home, life, and commercial insurance. Directly comparable to Zurich Chile Seguros Generales in P&C and life segments, competing in the same broker and digital channels.
• Sura Chile: One of Chile's largest multi-line insurance and financial services groups, offering life, P&C, and investment products to individuals and enterprises. Directly comparable to Zurich Chile given its multi-line product breadth, broker + digital distribution, and similar enterprise client base.
• Confuturo: Major Chilean life insurance and annuities provider with savings-linked life products (similar to Zurich Chile's Vida con Ahorro and APV). Closely comparable in the life and savings-linked insurance segment.
• MetLife Chile: Chilean operation of global life insurance giant MetLife, focused on group life, individual life, and savings products. Directly comparable to Zurich Chile Seguros de Vida with similar employer group and individual life focus.

Regional players

• Cruz Blanca Salud: Chilean health insurance and care provider focused on individual and corporate health plans. Comparable to Zurich Chile's collective and individual health insurance products and complementary health offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ZurichCl
• LinkedInlinkedin.com/company/zurich-chile
• Instagraminstagram.com/zurich_chile

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Zurich Chile S.a.