mapfre company seguros generales de chile

Name

mapfre company seguros generales de chile

Legal name

MAPFRE Compañía de Seguros Generales de Chile S.A.

Website

https://mapfre.cl

Company type

Public

Operating status

Operating

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Commercial Property Insurance (FSAJACAE), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• General insurance
• Auto insurance
• Life insurance
• Commercial insurance
• Health insurance

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Auto: Collection of insurance premiums from mandatory SOAP (Seguro Obligatorio de Accidentes Personales) and voluntary auto insurance policies. Annual policies with recurring premium revenue.
2. Insurance Premiums - Life and Health: Life insurance products including Vida 5, Vida Total, Vida Conductor, Vida Retorno, and health insurance products. Annual premium collection with recurring revenue model.
3. Insurance Premiums - Home and Property: Home insurance, commercial property insurance, fire insurance, and other property-related coverage products. Annual policies generating recurring premium income.
4. Insurance Premiums - Commercial Lines: Commercial insurance products including vehicle fleets, guarantee bonds, construction insurance, agricultural equipment, civil liability, and other business coverage. Annual commercial policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

MAPFRE Chile underwrites and distributes a broad portfolio of general insurance products to individuals and businesses in Chile, anchored by the legally mandatory SOAP auto policy and extending to voluntary auto, life, health, travel, personal accident, home, and recreational marine coverage for individuals, alongside commercial vehicle, guarantee, fire, forestry, PYMEs, construction, agricultural/contractor equipment, civil liability, electronic equipment, aviation, and cargo insurance for companies. Distribution combines direct digital channels (cotizador, MEL portal, soap.cl), broker intermediation (Portal de Corredores), a 24/7 contact center, branch offices, and banking partners.

Product overview

MAPFRE Chile operates as a comprehensive insurance provider offering a broad portfolio of insurance products and digital service platforms. The company serves both individual consumers (Particulares) and business clients (Empresas) with vehicle insurance (including mandatory SOAP), life insurance, health insurance, travel insurance, home insurance, and commercial/business insurance. The product architecture includes multiple named insurance plans and tiers (e.g., Flex, Master, Balance, Elemental for auto insurance), digital service platforms (Client Portal, Broker Portal, Online Claims, Online Payment), and a loyalty program (Mapfre te Cuidamos). Core insurance products span personal lines (auto, life, health, travel, accidents, home, boats), commercial lines (commercial vehicles, construction, forestry, aviation, marine, transportation), and specialized covers (medical liability, electronics, guarantees). The digital service ecosystem includes web-based quote and purchase platforms, a client portal for policy management and claims tracking, and broker management tools.

Differentiator

Problem solved

Functional benefit

Brands

• Mapfre Te Cuidamos: Loyalty program that provides discounts and benefits for day-to-day savings
• SUPERSOAP
• Savia

Products and services

• Seguro Automotriz (Auto Insurance) Comprehensive voluntary vehicle insurance covering damages, collisions, theft, natural disasters, and additional coverages for individual vehicle owners; offered in multiple plan tiers including Flex, Master, Balance, Elemental, and Auto Senior.
• SOAP (Seguro Obligatorio de Accidentes Personales) Legally mandatory personal accident insurance for vehicle circulation in Chile, covering death, bodily injury, and medical expenses from traffic accidents; valid annually from April 1 to March 31.
• Seguro Vida 5 Life insurance policy offering coverage and benefits over a 5-year term combined with a savings component.
• Seguro Vida Total Comprehensive life insurance providing total protection combined with savings and investment benefits.
• Seguro Vida Conductor Life insurance specifically designed for vehicle drivers, providing coverage tailored to driving-related risks.
• Seguro Vida Retorno Life insurance with return feature combining protection with capital accumulation.
• Seguro Asistencia de Viajes Travel assistance insurance providing coverage for medical emergencies, trip cancellations, and travel-related incidents abroad.
• Seguro Oncológico Familiar Cancer insurance providing financial protection for oncology treatments and related medical expenses for family members.
• Seguro Complementario Individual Individual supplementary health insurance that complements existing public or private health coverage.
• Seguro AP Escolar School personal accident insurance covering students for accident-related injuries during school activities.
• Seguro AP Dental Dental personal accident insurance covering dental injuries and treatments resulting from accidents.
• Seguro Embarcaciones de Recreo Recreational watercraft insurance covering boats and yachts for damages, liability, and associated risks.
• Seguro Hogar Home insurance protecting residential properties and belongings against damages, theft, and natural disasters.
• RC Médica (Responsabilidad Civil Médica) Medical malpractice liability insurance protecting healthcare professionals against claims of negligence or professional errors.
• Seguros Vehículos Comerciales Commercial vehicle insurance for business fleets including light vehicles (livianos) and heavy vehicles (pesados).
• Seguros Garantías Guarantee insurance products including immediate execution bonds and subject-to-liquidation-procedure bonds.
• Seguros Incendios Empresas Business fire insurance protecting commercial properties and assets against fire damage and related risks.
• Seguros Forestales Forestry insurance covering forest plantations and timber assets against fire, natural disasters, and other forestry-specific risks.
• Seguros para PYMES (Mi Pyme) Insurance packages specifically designed for small and medium enterprises (SMEs) with bundled coverage options.
• Seguro Construcción y Montaje Construction and assembly insurance covering contractors and builders for project-related risks and damages.
• Seguro Equipo Móvil Contratista Contractor mobile equipment insurance covering machinery and equipment used in construction and contracting operations.
• Seguro Equipo Móvil Agrícola Agricultural mobile equipment insurance covering farm machinery and equipment against damages and losses.
• Seguros Responsabilidad Civil General General civil liability insurance protecting businesses against third-party claims for damages or injuries.
• Seguro Equipos Electrónicos Electronic equipment insurance covering computers, servers, and electronic devices against breakdown and damages.
• Seguro Embarcaciones Comerciales Commercial watercraft insurance for cargo ships, fishing vessels, and other commercial maritime operations.
• Seguro de Aviación Aviation insurance covering aircraft, liability, and aviation-specific risks for operators and owners.
• Seguro Transporte Nacional National cargo transportation insurance covering goods shipped within Chile against transit risks.
• Seguro Transporte Internacional International cargo transportation insurance covering goods exported or imported against global transit risks.
• Seguro Protección Empresa Business protection insurance providing comprehensive coverage for various enterprise risks.
• Seguro Salud Pyme Health insurance specifically designed for small and medium enterprises with customized coverage options.
• Seguro Vida Colectivo Group life insurance for businesses providing coverage to employees under a collective policy.
• Seguro Vida Conductor Colectivo Group life insurance for company drivers, providing specialized coverage for employees who operate vehicles.
• Seguro Desgravamen Colectivo Group mortgage life insurance covering outstanding loan balances in case of borrower death or disability.
• Seguro Catastrófico de Salud / Gastos Médicos Mayores Catastrophic health insurance and major medical expense coverage for high-cost medical treatments under group policies.
• Seguro Vida Guardia Security guard life insurance providing specialized coverage for security personnel.
• Seguro Accidentes Personales Colectivo Group personal accident insurance for businesses covering employees against accident-related injuries.
• Seguro AP Escolar Colectivo Group school accident insurance covering students under institutional policies.
• Mapfre Te Cuidamos Loyalty and benefits program offering discounts and special offers for MAPFRE clients across various merchants and services.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Fundación MAPFREcoreStrategic or Co-development Partner · 9 February 2024Fundación MAPFRE is the corporate foundation of MAPFRE Group, dedicated to social welfare, road safety, and innovation. In February 2024, it donated 76,000 euros to help those affected by fires in Chile and activated local volunteer efforts. The foundation also runs Social Innovation Awards that recognize companies like Chilean startup Mistatas.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SURA Seguros Chile: SURA Seguros Chile is one of the largest general insurance carriers in Chile, offering auto, home, life, health, and commercial lines through similar broker and direct channels — a directly comparable P&C competitor operating in the same Chilean market.
• BCI Seguros: BCI Seguros is the insurance arm of Banco de Crédito e Inversiones in Chile, offering auto, life, home, and health products with strong bank-distribution — directly comparable as a multi-line Chilean insurer with captive distribution.
• Chilena Consolidada Seguros: Chilena Consolidada is one of Chile's longest-established general insurance companies, offering auto, home, life, and commercial coverage — a directly comparable multi-line P&C competitor with similar product breadth.
• HDI Seguros Chile: HDI Seguros Chile is part of Germany's Talanx/HDI Group and offers general insurance including auto, home, and commercial lines — directly comparable as a foreign-affiliated multi-line Chilean insurer.
• Liberty Seguros Chile: Liberty Seguros Chile, part of Liberty Mutual, offers auto, home, and commercial insurance — directly comparable as a foreign-affiliated generalist insurer in Chile with similar product scope.
• Seguros Falabella (Banco Falabella Corredores): Seguros Falabella is a Chilean insurance distributor affiliated with retail group Falabella/Sodimac, offering auto, home, and life products — directly comparable as a multi-channel Chilean insurance player with strong retail and digital distribution.
• RSA Seguros Chile: RSA Seguros Chile (part of Intact Financial) offers general insurance including commercial and personal lines — directly comparable as a foreign-affiliated Chilean multi-line carrier with focus on specialty and commercial.
• BancoEstado Corredores de Seguros: BancoEstado distributes mandatory SOAP and other insurance products through Chile's largest state-owned bank network — a direct competitor specifically in SOAP and bank-distributed insurance products in Chile.

Broad incumbents

• Zurich Seguros Chile: Zurich Seguros Chile is the Chilean operation of global incumbent Zurich Insurance Group, offering personal and commercial lines — comparable as a broad global incumbent with overlapping capabilities.

Emerging players

• BNP Paribas Cardif Seguros Chile: BNP Paribas Cardif Chile focuses on credit-related and personal lines insurance through bancassurance partnerships — an emerging player with partial overlap in life and personal accident coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/mapfre_cl
• YouTubeyoutube.com/channel/UCBSR91YH_znuZVCvwGx8JGw
• Facebookfacebook.com/MAPFRE.CL

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 mapfre company seguros generales de chile