Employer contributions increase
Employers will see a gradual rise in mandatory pension contributions from 1.5% to 8.5% of taxable income between August 2025 and 2033.

•  4.5% goes to individual pension accounts (AFP system).
•  1.0% for a new social security system for disability, survivorship, and gender equity.
• 1.5% supports a new retirement benefit managed by Social Security.

Gender gap measures: additional benefit for women

•  To address issues such as longer life expectancy and lower savings, a new minimum pension supplement has been implemented.
• Starting January 1, 2026, the pension supplement will be available to women aged 65 or older who are receiving a contributory old-age or disability pension. Women who retire before age of 60 will not be eligible. A partial benefit will be provided to women who retire between age 60 and 65.
•  Childbirth bonus: a government bonus is deposited into a woman’s individual account for every child born or adopted. 

Financial Highlights (2024)

• SURA Asset Management (regional): USD 174.5 billion in AUM as of September 2024.²
•  Total Revenue (Grupo SURA consolidated): COP 37.2 trillion (approx. USD 9.1 billion), up 5.4% from 2023.³
• Operating Profit: COP 9.2 trillion, representing a 94.6% annual increase.⁴
• SURA Chile operates mainly through SURA Asset Management Chile and Seguros de Vida SURA.
•  Insurance Premiums (Suramericana): COP 20.7 trillion (proforma).⁵

Products and services for a range of needs
SURA Chile (Seguros SURA) provides a wide range of insurance products for individuals and companies

Collective insurance

• Group health and life coverage for employees
•  Mandatory COVID-19 insurance for workers

Investment and wealth management (SURA Asset Management)
SURA Chile operates as part of SURA Asset Management, offering:

• Mutual Funds & Investment Funds
• Pension Fund Administration
•  Personalized advisory for individuals and companies to manage and grow assets
• Investment strategies tailored for corporate clients

Savings & Retirement Products

• APV (Voluntary Pension Savings) integrated with life insurance
•  Long-term savings plans linked to investment portfolios

Club Seguros SURA
Provides discounts on dental, optical, and mental health services

Complementary insurance

For small and medium-sized companies, SURA Chile offers complementary plans to supplement the health benefits provided by Social Security. This supplementary insurance reimburses employees for medical expenses after they have utilized the coverage offered by the social security health system (Isapre or Fonasa).

SURA Chile’s complementary insurance plans offer complete flexibility to adapt to each worker’s needs regarding coverage, bonus percentages, caps, and deductibles.

The supplementary insurance includes coverage for accidental death, and reimbursement for catastrophic events, as well medical and dental expenses.

Additional benefits Include:

• Hospital network: Agreements with health centers in Santiago and other regions of Chile
• Outpatient network: Preferential discounts in over 18 specialties.
• Dental network: Discounts at dental centers for treatment.
• Pharmacies: Online reimbursement for medications at participating pharmacies
• SURA Assistance: Access to support services.

Coverages offered by SURA that can be included in an international account:

Recent accolades

• Market leadership
  SURA Chile is a pioneer in developing new insurance solutions, and many of its products and services have been replicated by its competitors.
• Advanced technology and innovation|
  SURA’s advanced digital platform gives clients a dedicated site to manage their plans completely on-line, without the need for intermediaries. The client can update employee records, review and modify company data, and check payments, invoices, etc.
  • SURA also provides dedicated sites so employees can review their coverage and deductibles, check the status of transactions, pay outstanding fees, request reimbursements, and designate beneficiaries, etc.
    
  • AI and Data Analytics: SURA uses generative AI and genomic data analysis to predict and prevent diseases, enabling personalized health management
  • Launch of the Omics Science Center to advance precision medicine and empower individuals to make data-driven health decisions.⁹
  • Collaboration with wellness tech companies (e.g., Longevo) to deliver personalized programs for nutrition, movement, and mental health.¹⁰
     
• Holistic health and wellbeing model
  SURA Chile promotes physical, mental, and financial health as interconnected pillars of wellbeing:
  • Physical Health: Encourages healthy habits and preventive care through wellness programs and partnerships with health professionals.
  • Mental Health: Provides tools and guidance to manage emotions and stress, aiming for psychological balance.
  • Financial Health: Offers education and advisory services to reduce financial stress, which impacts overall wellbeing.
     
• Commitment to diversity and equity
  SURA Chile believes that inclusion and equity are the key to building a better society.  Its products are designed to suit different needs and realities, ensuring that all people have access to the protection they need.
  • Corporate and Social Investment
  • Through Fundación SURA, the company invests in projects promoting healthy lifestyles and education, reinforcing wellbeing as part of its sustainability strategy.
  • Social investment initiatives include cultural and educational programs that indirectly support mental and social wellbeing.