Hay dinámica en el ramo de salud, pero proyectan menos primas de seguros en Colombia

TL;DR

Property & Casualty (P&C) insurance demand is slowing down, with real premium growth expected at 3.1% in 2025.
Commercial lines like engineering and agriculture, tied to economic activity, are decelerating.
Car insurance premiums are contracting in real terms.
Health insurance premiums are growing significantly at 18.5% due to high demand for supplementary private plans and increased rates.
Life insurance premiums are growing at a more moderate 7.3%, with mortgage-linked life premiums at 4.3%.
Claims have fallen drastically, improving profitability for life insurers.
The P&C combined ratio has been trending downwards since 2022, reaching 96% in August 2025.
A pending pension reform could reduce private pension fund roles, impacting investment income and annuity sales for life insurers.
Economic growth is projected to rebound moderately to 2.5% in 2025 and 2.7% in 2026.

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