Home/Chile/Colmena Golden Cross

privateOnline Signup

Colmena Golden Cross

Isapre Colmena Golden Cross S.A.

82Score

★★★☆☆3.8

Customer satisfaction · 580K members

Superintendencia: Largest ISAPRE(2025)

Colmena Golden Cross is Chile's largest ISAPRE by beneficiary count with 579,906 beneficiaries as of September 2025. It offers mid-range pricing with solid coverage and proposed only a 2.0% price increase for 2026, the lowest of any ISAPRE.

Overall Score

82/100

Founded

1981

Headquarters

Santiago

Type

private

Get a Free Quote→

No obligation. Compare personalized rates.

Key Metrics

Beneficiaries

579,906 (Sept 2025)

Price Increase2026

2.0% (lowest)

Isapre Rank

#1 by beneficiaries

Complaints Ratio

Good

Editorial Ratings

Superintendencia: Largest ISAPRE(2025)

Rating: Largest ISAPRE — 579,906 beneficiaries (Sept 2025) (max: #1 by beneficiaries)

82Superintendencia

Coverage Highlights

✓Largest ISAPRE by beneficiary count in Chile
✓Lowest proposed price increase for 2026 at 2.0%
✓Mid-range pricing with solid coverage
✓Strong national clinic network partnerships
✓Good complaints ratio relative to size

Pros

✓Largest beneficiary base providing stability
✓Lowest price increase proposed for 2026
✓Moderate pricing with solid coverage
✓Good complaints ratio

Cons

✗Mid-tier brand perception versus Banmedica
✗ISAPRE system-wide crisis affects all players
✗Refund obligations from 2022 Supreme Court ruling

Frequently Asked Questions

Is Colmena Golden Cross the largest ISAPRE?

Yes. As of September 2025, Colmena Golden Cross has 579,906 beneficiaries, making it the largest of Chile's 7 remaining open ISAPREs.

What is Colmena's price increase for 2026?

Colmena proposed only a 2.0% price increase for 2026, the lowest of any ISAPRE, making it the most competitive option for keeping costs stable.

How does the ISAPRE crisis affect Colmena?

Like all ISAPREs, Colmena is affected by the 2022 Supreme Court ruling ordering refunds of overcharges (estimated at US$1.4B system-wide). However, its size provides relative stability.

Quick Summary

InsurerColmena Golden Cross

Country🇨🇱 Chile

Overall Score82/100

Satisfaction3.8/5

Members580K

Typeprivate

Founded1981

Other Insurers in Chile

Banmedica

private

/ 100

Consalud

private

/ 100

Cruz Blanca

private

/ 100

Vida Tres

private

/ 100

Nueva Masvida

private

/ 100

Ready to get covered?

Get a personalized quote from Colmena Golden Cross today.

Get Free Quote→