{"id":39936,"date":"2026-10-08T16:21:51","date_gmt":"2026-10-08T22:21:51","guid":{"rendered":"https:\/\/staytv.cr\/?p=39936"},"modified":"2026-10-08T16:21:51","modified_gmt":"2026-10-08T22:21:51","slug":"seguros-mercado-crece-15-anos-prioriza-personas-2","status":"publish","type":"post","link":"https:\/\/staytv.cr\/index.php\/2026\/10\/08\/seguros-mercado-crece-15-anos-prioriza-personas-2\/","title":{"rendered":"Seguros en Costa Rica crecen 118% en 15 a\u00f1os y ya representan el 2,75% del PIB"},"content":{"rendered":"<p><span class=\"\" style=\"font-size: 8px;\">Seguros: primas crecieron 118% en 15 a\u00f1os. Seguros personales subieron 196%. Mercado representa 2,75% del PIB.<\/span><!--more--><!-- CAJA DE VIDEO + DOFOLLOW (RESPONSIVE) --><\/p>\n<div style=\"margin: 20px 0; width: 100%;\">\n<p><!-- CONTENEDOR VIDEO 16:9 --><\/p>\n<div style=\"position: relative; width: 100%; padding-bottom: 56.25%; height: 0; overflow: hidden; border-radius: 12px;\"><iframe style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: 0;\" data-src=\"https:\/\/www.youtube.com\/embed\/2BQIKSu-0WY?enablejsapi=1\" allowfullscreen=\"allowfullscreen\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><br \/>\n<\/iframe><\/div>\n<p><!-- ENLACE DOFOLLOW (SIN ATRIBUTOS REL) --><\/p>\n<p style=\"margin-top: 12px; font-size: 15px;\"><strong>Recurso externo:<\/strong><br \/>\n<a href=\"https:\/\/youtu.be\/2BQIKSu-0WY\">Ver video completo en YouTube<\/a><\/p>\n<\/div>\n<h1>Seguros: mercado crece 118% en 15 a\u00f1os y prioriza personas<\/h1>\n<p>El mercado de <strong>seguros<\/strong> en Costa Rica se ha transformado profundamente en los \u00faltimos 15 a\u00f1os. Las primas de seguros voluntarios crecieron un 118% entre 2015 y 2025, pero el dato m\u00e1s revelador es el cambio en las prioridades de los costarricenses: los seguros personales (vida y salud) aumentaron un 196%, mientras que los seguros generales (bienes) lo hicieron en un 79%. As\u00ed lo revela el balance presentado por la Asociaci\u00f3n de Aseguradoras Privadas de Costa Rica (AAP) con datos de la Superintendencia General de Seguros (SUGESE).<\/p>\n<p><!-- CAJA DE VIDEO + DOFOLLOW (RESPONSIVE) --><\/p>\n<div style=\"margin: 20px 0; width: 100%;\">\n<p><!-- CONTENEDOR VIDEO 16:9 --><\/p>\n<div style=\"position: relative; width: 100%; padding-bottom: 56.25%; height: 0; overflow: hidden; border-radius: 12px;\"><iframe style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: 0;\" data-src=\"https:\/\/www.youtube.com\/embed\/AX5GYZcPL3o?enablejsapi=1\" allowfullscreen=\"allowfullscreen\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><br \/>\n<\/iframe><\/div>\n<p><!-- ENLACE DOFOLLOW (SIN ATRIBUTOS REL) --><\/p>\n<p style=\"margin-top: 12px; font-size: 15px;\"><strong>Recurso externo:<\/strong><br \/>\n<a href=\"https:\/\/youtu.be\/AX5GYZcPL3o\">Ver video completo en YouTube<\/a><\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p>&#8220;El aseguramiento en el pa\u00eds ya no se limita a los bienes materiales, sino que existe una mayor cultura de protecci\u00f3n del bienestar personal y familiar, mediante los ramos de Vida y Salud&#8221;, afirm\u00f3 Kevin Lucas Holcombe, presidente de la AAP. El cambio de paradigma es evidente: hasta 2015, el mercado mostraba un fuerte predominio de los seguros de Autom\u00f3viles, Riesgos del Trabajo e Incendio. Para 2018, el seguro de Salud super\u00f3 por primera vez al de Incendio, y en 2023 los seguros para la protecci\u00f3n de las personas alcanzaron el primer lugar del mercado.<\/p>\n<h2>El crecimiento del sector en 15 a\u00f1os de apertura<\/h2>\n<p>La apertura legal del mercado en 2008 dio paso al ingreso de las primeras aseguradoras privadas en 2010. Desde entonces, el sector ha crecido de manera sostenida. Actualmente, Costa Rica cuenta con 11 aseguradoras privadas activas que generan 1.388 empleos directos y una red de intermediarios multicanal de m\u00e1s de 2.000 corredores y agentes.<\/p>\n<div style=\"max-width: 780px; margin: 30px auto; padding: 20px; border: 1px solid #cccccc; border-radius: 8px; background: #ffffff; font-family: Arial,sans-serif;\">\n<p style=\"margin: 0 0 6px 0; font-size: 16px; font-weight: bold; color: #1a1a1a;\">Crecimiento de las primas de seguros voluntarios<\/p>\n<p style=\"margin: 0 0 18px 0; font-size: 13px; color: #555555;\">Variaci\u00f3n porcentual entre 2015 y 2025<\/p>\n<div style=\"margin-bottom: 14px;\">\n<div style=\"display: flex; align-items: center; gap: 10px;\">\n<p><span style=\"min-width: 180px; font-size: 14px; color: #1a1a1a;\">Seguros personales (vida y salud)<\/span><\/p>\n<div style=\"flex: 1; background: #e0e0e0; border-radius: 4px; height: 30px; overflow: hidden;\">\n<div style=\"width: 100%; background: #8B0000; height: 100%; border-radius: 4px;\"><\/div>\n<\/div>\n<p><span style=\"min-width: 70px; font-size: 14px; font-weight: bold; color: #8b0000; text-align: right;\">+196%<\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"margin-bottom: 14px;\">\n<div style=\"display: flex; align-items: center; gap: 10px;\">\n<p><span style=\"min-width: 180px; font-size: 14px; color: #1a1a1a;\">Seguros generales (bienes)<\/span><\/p>\n<div style=\"flex: 1; background: #e0e0e0; border-radius: 4px; height: 30px; overflow: hidden;\">\n<div style=\"width: 40%; background: #555555; height: 100%; border-radius: 4px;\"><\/div>\n<\/div>\n<p><span style=\"min-width: 70px; font-size: 14px; font-weight: bold; color: #555555; text-align: right;\">+79%<\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"margin-bottom: 10px;\">\n<div style=\"display: flex; align-items: center; gap: 10px;\">\n<p><span style=\"min-width: 180px; font-size: 14px; color: #1a1a1a;\">Total seguros voluntarios<\/span><\/p>\n<div style=\"flex: 1; background: #e0e0e0; border-radius: 4px; height: 30px; overflow: hidden;\">\n<div style=\"width: 60%; background: #8B0000; height: 100%; border-radius: 4px;\"><\/div>\n<\/div>\n<p><span style=\"min-width: 70px; font-size: 14px; font-weight: bold; color: #8b0000; text-align: right;\">+118%<\/span><\/p>\n<\/div>\n<\/div>\n<p style=\"margin: 12px 0 0 0; font-size: 12px; color: #777777;\">Fuente: Asociaci\u00f3n de Aseguradoras Privadas de Costa Rica (AAP) con datos de la SUGESE, octubre de 2026.<\/p>\n<\/div>\n<h2>Un bill\u00f3n de colones en indemnizaciones<\/h2>\n<p>Entre 2010 y 2025, el mercado asegurador ha indemnizado a los asegurados por un monto mayor a los 5 billones de colones, de los cuales 3,7 billones corresponden a seguros voluntarios y 2,2 billones al Seguro Obligatorio de Autom\u00f3viles y Riesgos del Trabajo. En este contexto, las aseguradoras privadas pagaron \u20a11.219.526,52 millones en indemnizaciones, equivalentes a m\u00e1s de \u20a11,2 billones.<\/p>\n<div style=\"max-width: 780px; margin: 30px auto; padding: 20px; border: 1px solid #cccccc; border-radius: 8px; background: #ffffff; font-family: Arial,sans-serif;\">\n<p style=\"margin: 0 0 6px 0; font-size: 16px; font-weight: bold; color: #1a1a1a;\">Indemnizaciones y aportes del sector asegurador<\/p>\n<p style=\"margin: 0 0 18px 0; font-size: 13px; color: #555555;\">Montos acumulados 2010-2025<\/p>\n<div style=\"overflow-x: auto;\">\n<table style=\"width: 100%; border-collapse: collapse; font-size: 14px; background: #ffffff;\">\n<thead>\n<tr>\n<th style=\"padding: 10px; text-align: left; border: 1px solid #cccccc; color: #ffffff; background: #8B0000;\">Concepto<\/th>\n<th style=\"padding: 10px; text-align: right; border: 1px solid #cccccc; color: #ffffff; background: #8B0000;\">Monto<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background: #ffffff;\">\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #ffffff; font-weight: bold;\">Indemnizaciones totales<\/td>\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #8b0000; background: #ffffff; text-align: right; font-weight: bold;\">M\u00e1s de \u20a15 billones<\/td>\n<\/tr>\n<tr style=\"background: #f0f0f0;\">\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #f0f0f0; font-weight: bold;\">Seguros voluntarios<\/td>\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #f0f0f0; text-align: right;\">\u20a13,7 billones<\/td>\n<\/tr>\n<tr style=\"background: #ffffff;\">\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #ffffff; font-weight: bold;\">SOA y Riesgos del Trabajo<\/td>\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #ffffff; text-align: right;\">\u20a12,2 billones<\/td>\n<\/tr>\n<tr style=\"background: #f0f0f0;\">\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #f0f0f0; font-weight: bold;\">Indemnizaciones aseguradoras privadas<\/td>\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #f0f0f0; text-align: right;\">\u20a11,2 billones<\/td>\n<\/tr>\n<tr style=\"background: #ffffff;\">\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #ffffff; font-weight: bold;\">Aportes a Bomberos (2011-2025)<\/td>\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #ffffff; text-align: right;\">\u20a1463.341,06 millones<\/td>\n<\/tr>\n<tr style=\"background: #f0f0f0;\">\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #f0f0f0; font-weight: bold;\">Aportes al INEC (2019-2025)<\/td>\n<td style=\"padding: 8px; border: 1px solid #cccccc; color: #1a1a1a; background: #f0f0f0; text-align: right;\">\u20a132.280,07 millones<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin: 12px 0 0 0; font-size: 12px; color: #777777;\">Fuente: Asociaci\u00f3n de Aseguradoras Privadas de Costa Rica (AAP) con datos de la SUGESE, octubre de 2026.<\/p>\n<\/div>\n<p>El an\u00e1lisis de la AAP se\u00f1ala que la pandemia de COVID-19 elev\u00f3 la conciencia sobre la importancia de la previsi\u00f3n financiera. En 2023, los seguros para la protecci\u00f3n de las personas pasaron al primer lugar del mercado: Vida predomin\u00f3 con \u20a1207.040,84 millones y Salud con \u20a1156.082,70 millones en primas.<\/p>\n<p>&#8220;El aumento de la cobertura a la poblaci\u00f3n, especialmente a trav\u00e9s de los seguros personales, contribuye a complementar el sistema p\u00fablico de seguridad social. Este es un aporte de gran relevancia en un pa\u00eds como Costa Rica, que experimenta una transformaci\u00f3n demogr\u00e1fica hacia una poblaci\u00f3n m\u00e1s longeva que valora la calidad de vida&#8221;, se\u00f1al\u00f3 Lucas.<\/p>\n<h2>Penetraci\u00f3n del mercado: del 1,78% al 2,75% del PIB<\/h2>\n<p>El crecimiento del sector tambi\u00e9n se refleja en su peso en la econom\u00eda nacional. Las primas de seguros representaron el 2,75% del Producto Interno Bruto (PIB) en 2025, frente al 1,78% en 2015. La prima per c\u00e1pita, indicador de la profundidad del mercado, pas\u00f3 de \u20a1116.729 a \u20a1228.997 en ese mismo per\u00edodo, un aumento del 96%.<\/p>\n<div style=\"max-width: 780px; margin: 30px auto; padding: 20px; border: 1px solid #cccccc; border-radius: 8px; background: #ffffff; font-family: Arial,sans-serif;\">\n<p style=\"margin: 0 0 6px 0; font-size: 16px; font-weight: bold; color: #1a1a1a;\">Penetraci\u00f3n y profundidad del mercado asegurador<\/p>\n<p style=\"margin: 0 0 18px 0; font-size: 13px; color: #555555;\">Comparaci\u00f3n 2015 vs. 2025<\/p>\n<div style=\"margin-bottom: 16px;\">\n<div style=\"display: flex; justify-content: space-between; margin-bottom: 6px;\"><span style=\"font-size: 14px; color: #1a1a1a; font-weight: bold;\">Primas como % del PIB (2015)<\/span><br \/>\n<span style=\"font-size: 15px; font-weight: bold; color: #555555;\">1,78%<\/span><\/div>\n<div style=\"background: #e0e0e0; height: 30px; border-radius: 4px; overflow: hidden;\">\n<div style=\"width: 65%; height: 100%; background: #555555; border-radius: 4px;\"><\/div>\n<\/div>\n<\/div>\n<div style=\"margin-bottom: 16px;\">\n<div style=\"display: flex; justify-content: space-between; margin-bottom: 6px;\"><span style=\"font-size: 14px; color: #1a1a1a; font-weight: bold;\">Primas como % del PIB (2025)<\/span><br \/>\n<span style=\"font-size: 15px; font-weight: bold; color: #8b0000;\">2,75%<\/span><\/div>\n<div style=\"background: #e0e0e0; height: 30px; border-radius: 4px; overflow: hidden;\">\n<div style=\"width: 100%; height: 100%; background: #8B0000; border-radius: 4px;\"><\/div>\n<\/div>\n<\/div>\n<div style=\"margin-bottom: 16px;\">\n<div style=\"display: flex; justify-content: space-between; margin-bottom: 6px;\"><span style=\"font-size: 14px; color: #1a1a1a; font-weight: bold;\">Prima per c\u00e1pita (2015)<\/span><br \/>\n<span style=\"font-size: 15px; font-weight: bold; color: #555555;\">\u20a1116.729<\/span><\/div>\n<div style=\"background: #e0e0e0; height: 30px; border-radius: 4px; overflow: hidden;\">\n<div style=\"width: 51%; height: 100%; background: #555555; border-radius: 4px;\"><\/div>\n<\/div>\n<\/div>\n<div style=\"margin-bottom: 10px;\">\n<div style=\"display: flex; justify-content: space-between; margin-bottom: 6px;\"><span style=\"font-size: 14px; color: #1a1a1a; font-weight: bold;\">Prima per c\u00e1pita (2025)<\/span><br \/>\n<span style=\"font-size: 15px; font-weight: bold; color: #8b0000;\">\u20a1228.997<\/span><\/div>\n<div style=\"background: #e0e0e0; height: 30px; border-radius: 4px; overflow: hidden;\">\n<div style=\"width: 100%; height: 100%; background: #8B0000; border-radius: 4px;\"><\/div>\n<\/div>\n<\/div>\n<p style=\"margin: 12px 0 0 0; font-size: 12px; color: #777777;\">Fuente: Asociaci\u00f3n de Aseguradoras Privadas de Costa Rica (AAP) con datos de la SUGESE, octubre de 2026.<\/p>\n<\/div>\n<h2>Desaf\u00edos: cambio clim\u00e1tico, IA y siniestralidad<\/h2>\n<p>A pesar del crecimiento, la AAP identifica brechas en el acceso a los seguros y la necesidad de ampliar la penetraci\u00f3n del mercado a m\u00e1s segmentos de la poblaci\u00f3n. El cambio clim\u00e1tico y los desastres naturales representan otro desaf\u00edo para los hogares, la infraestructura y las actividades productivas.<\/p>\n<p>En este contexto, el sector asegurador contribuy\u00f3 al desarrollo de la plataforma Futurismocr.com, que promueve la gesti\u00f3n de riesgos clim\u00e1ticos en el sector tur\u00edstico, con la participaci\u00f3n de aseguradoras, intermediarios, la SUGESE y el Instituto Costarricense de Turismo (ICT). La herramienta permite evaluar los riesgos clim\u00e1ticos de las empresas hoteleras, identificar medidas de adaptaci\u00f3n y facilitar el contacto con expertos en soluciones financieras.<\/p>\n<p>La AAP tambi\u00e9n identifica retos y oportunidades asociados con la inteligencia artificial, as\u00ed como una elevada siniestralidad, principalmente en Autom\u00f3viles. Adem\u00e1s, advierte sobre el impacto que nuevas cargas impositivas podr\u00edan tener en el consumidor. &#8220;El desarrollo del mercado asegurador demuestra la importancia de contar con una industria din\u00e1mica y capaz de responder a las necesidades de una sociedad en constante transformaci\u00f3n&#8221;, concluy\u00f3 Lucas.<\/p>\n<p>Con 15 a\u00f1os de competencia regulada, el mercado de <strong>seguros<\/strong> costarricense ha demostrado ser un sector en expansi\u00f3n, que diversifica su oferta y prioriza cada vez m\u00e1s la protecci\u00f3n de las personas. El reto hacia adelante es ampliar ese acceso a m\u00e1s hogares y consolidar una cultura de aseguramiento que prepare al pa\u00eds para los riesgos del futuro.<\/p>\n<p>Con informaci\u00f3n para STAY TV: <a href=\"https:\/\/www.staytv.com\">STAY TV<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Seguros: primas crecieron 118% en 15 a\u00f1os. Seguros pers [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":39938,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","footnotes":""},"categories":[54],"tags":[7989,9684,70,9685,9686,128,195,9687],"class_list":["post-39936","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economics","tag-vida","tag-aap","tag-costa-rica","tag-mercado-asegurador","tag-primas","tag-salud","tag-seguros","tag-sugesse"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.8.3.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Seguros: primas crecieron 118% en 15 a\u00f1os. 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