{"id":13207,"date":"2026-01-30T13:15:00","date_gmt":"2026-01-30T16:15:00","guid":{"rendered":"http:\/\/blog.comparaonline.cl\/?p=13207"},"modified":"2026-01-30T17:54:26","modified_gmt":"2026-01-30T20:54:26","slug":"que-es-el-seguro-soapex","status":"publish","type":"post","link":"https:\/\/www.comparaonline.cl\/blog\/autos\/soap\/que-es-el-seguro-soapex\/","title":{"rendered":"\u00bfQu\u00e9 es el seguro SOAPEX y c\u00f3mo funciona para ingresar a Chile?"},"content":{"rendered":"\n

Si est\u00e1s planificando ingresar a Chile conduciendo un veh\u00edculo desde el extranjero, es fundamental que conozcas el SOAPEX<\/strong>. Este seguro no es opcional: es un requisito legal<\/strong> exigido a todos los veh\u00edculos con matr\u00edcula extranjera que circulen temporalmente por el territorio chileno.<\/p>\n\n\n\n

El SOAPEX cumple una funci\u00f3n similar al Seguro Obligatorio de Accidentes Personales (SOAP) que contratan los veh\u00edculos chilenos, pero aplica exclusivamente a autos extranjeros<\/strong> y solo por el per\u00edodo de permanencia en el pa\u00eds<\/strong>.<\/p>\n\n\n\n

Qu\u00e9 es el seguro SOAPEX?<\/strong><\/h2>\n\n\n\n

El SOAPEX<\/strong> es el Seguro Obligatorio de Accidentes Personales exigido a veh\u00edculos motorizados con matr\u00edcula extranjera<\/strong> que ingresan provisoria o temporalmente a Chile.<\/p>\n\n\n\n

Su objetivo es cubrir da\u00f1os personales<\/strong> derivados de accidentes de tr\u00e1nsito, protegiendo a las personas involucradas, sin importar qui\u00e9n sea el responsable del siniestro.<\/p>\n\n\n\n

La obligaci\u00f3n de contratarlo est\u00e1 establecida en la Ley 18.490<\/strong><\/a> y en el Decreto Supremo N\u00b0 151 del Ministerio de Transportes<\/strong><\/a>, normativa que regula el ingreso y circulaci\u00f3n de veh\u00edculos extranjeros en el pa\u00eds.<\/p>\n\n\n\n

\u00bfQui\u00e9nes deben contratar el SOAPEX?<\/strong><\/h2>\n\n\n\n

Deben contratar SOAPEX todos los veh\u00edculos que cumplan estas condiciones:<\/p>\n\n\n\n

    \n
  • Tener patente extranjera<\/strong>
    <\/strong><\/li>\n\n\n\n
  • Ingresar a Chile de forma temporal o provisoria<\/strong>
    <\/strong><\/li>\n\n\n\n
  • Circular por v\u00edas p\u00fablicas chilenas<\/strong>
    <\/strong><\/li>\n<\/ul>\n\n\n\n

    Esto incluye:<\/p>\n\n\n\n

      \n
    • Autom\u00f3viles particulares
      <\/li>\n\n\n\n
    • Motocicletas
      <\/li>\n\n\n\n
    • Camionetas y casas rodantes
      <\/li>\n<\/ul>\n\n\n\n

      \ud83d\udccc Importante:<\/strong>
      <\/strong> Si el veh\u00edculo ingresa con remolque, acoplado o casa rodante<\/strong>, se debe contratar un SOAPEX adicional<\/strong> para ese elemento.<\/p>\n\n\n\n

      \u00bfQu\u00e9 cubre el SOAPEX?<\/strong><\/h2>\n\n\n\n

      El SOAPEX cubre da\u00f1os personales derivados de accidentes de tr\u00e1nsito<\/strong>, incluyendo:<\/p>\n\n\n\n

        \n
      • Gastos m\u00e9dicos y hospitalarios
        <\/li>\n\n\n\n
      • Atenci\u00f3n quir\u00fargica
        <\/li>\n\n\n\n
      • Medicamentos y rehabilitaci\u00f3n
        <\/li>\n\n\n\n
      • Odontolog\u00eda de urgencia
        <\/li>\n<\/ul>\n\n\n\n

        Indemnizaciones (expresadas en UF)<\/strong><\/h3>\n\n\n\n

        Las indemnizaciones establecidas por ley son, a lo menos:<\/p>\n\n\n\n

          \n
        • Fallecimiento:<\/strong> 300 UF
          <\/li>\n\n\n\n
        • Invalidez total:<\/strong> 300 UF
          <\/li>\n\n\n\n
        • Invalidez parcial:<\/strong> hasta 200 UF
          <\/li>\n\n\n\n
        • Gastos m\u00e9dicos:<\/strong> hasta 300 UF
          <\/li>\n<\/ul>\n\n\n\n

          \ud83d\udccc El SOAPEX no cubre da\u00f1os materiales<\/strong> al veh\u00edculo ni a bienes de terceros.<\/p>\n\n\n\n

          \u00bfPor qu\u00e9 es obligatorio el SOAPEX?<\/strong><\/h2>\n\n\n\n

          Porque sin este seguro no se puede circular legalmente en Chile<\/strong> con un veh\u00edculo extranjero.<\/p>\n\n\n\n

          Si no cuentas con SOAPEX:<\/p>\n\n\n\n

            \n
          • Puedes ser multado<\/strong>
            <\/strong><\/li>\n\n\n\n
          • Tu veh\u00edculo puede ser retenido<\/strong>
            <\/strong><\/li>\n\n\n\n
          • Debes responder con tu patrimonio personal<\/strong> por las indemnizaciones en caso de accidente
            <\/li>\n<\/ul>\n\n\n\n

            La ley establece que los veh\u00edculos sin seguro pueden quedar afectos a medidas para garantizar el pago de las indemnizaciones<\/strong>, lo que puede arruinar completamente un viaje.<\/p>\n\n\n\n

            \u00bfD\u00f3nde se puede comprar el SOAPEX?<\/strong><\/h2>\n\n\n\n

            Existen tres formas v\u00e1lidas de contratar el SOAPEX:<\/p>\n\n\n\n

              \n
            1. Antes de viajar<\/strong>, en aseguradoras chilenas que lo ofrecen online
              <\/li>\n\n\n\n
            2. En el paso fronterizo<\/strong>, justo antes de ingresar a Chile
              <\/li>\n\n\n\n
            3. En el extranjero<\/strong>, siempre que la aseguradora tenga convenio con una compa\u00f1\u00eda chilena
              <\/li>\n<\/ol>\n\n\n\n

              El pago suele aceptarse en:<\/p>\n\n\n\n

                \n
              • Tarjeta de cr\u00e9dito internacional
                <\/li>\n\n\n\n
              • Pesos chilenos
                <\/li>\n\n\n\n
              • D\u00f3lares u otras monedas, seg\u00fan el paso fronterizo
                <\/li>\n<\/ul>\n\n\n\n

                \u00bfA qui\u00e9nes beneficia el SOAPEX?<\/strong><\/h2>\n\n\n\n

                En caso de accidente:<\/p>\n\n\n\n

                  \n
                • Lesiones:<\/strong> la indemnizaci\u00f3n corresponde a la persona afectada
                  <\/li>\n\n\n\n
                • Fallecimiento:<\/strong> reciben la indemnizaci\u00f3n el c\u00f3nyuge, hijos, padres o herederos legales
                  <\/li>\n\n\n\n
                • Gastos m\u00e9dicos:<\/strong> se reembolsan a quien haya efectuado el pago
                  <\/li>\n<\/ul>\n\n\n\n

                  \u00bfC\u00f3mo se activa el SOAPEX en caso de accidente?<\/strong><\/h2>\n\n\n\n

                  Si un veh\u00edculo extranjero sufre un accidente en Chile, el procedimiento general es:<\/p>\n\n\n\n

                    \n
                  1. Denunciar el accidente<\/strong> ante Carabineros de Chile
                    <\/li>\n\n\n\n
                  2. Retirar el parte policial<\/strong>, seg\u00fan indique la autoridad
                    <\/li>\n\n\n\n
                  3. Contactar a la aseguradora<\/strong>, presentando:
                    \n
                      \n
                    • Parte policial
                      <\/li>\n\n\n\n
                    • Comprobantes de gastos m\u00e9dicos
                      <\/li>\n\n\n\n
                    • Certificados de invalidez o defunci\u00f3n, si corresponde
                      <\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n

                      \ud83d\udccc El plazo para presentar la documentaci\u00f3n es hasta 10 d\u00edas<\/strong> despu\u00e9s de ocurrido el accidente.<\/p>\n\n\n\n

                      Conclusi\u00f3n<\/strong><\/h2>\n\n\n\n

                      Si vas a ingresar a Chile con un veh\u00edculo con patente extranjera, el SOAPEX es obligatorio<\/strong> y forma parte de los requisitos b\u00e1sicos para circular legalmente en el pa\u00eds.<\/p>\n\n\n\n

                      Contratarlo antes de cruzar la frontera te permite viajar con tranquilidad, evitar sanciones y estar cubierto ante accidentes de tr\u00e1nsito durante tu estad\u00eda en Chile.<\/p>\n","protected":false},"excerpt":{"rendered":"

                      Conoce como funciona el seguro para accidentes personales que exigen a los veh\u00edculo extranjeros para ingresar a Chile<\/p>\n","protected":false},"author":62,"featured_media":25670,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1278],"tags":[1310,1334,1329],"class_list":["post-13207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-soap","tag-consejos","tag-seguro-obligatorio","tag-soap"],"yoast_head":"\n\u00bfQu\u00e9 es el seguro SOAPEX? | Gu\u00eda - ComparaOnline<\/title>\n<meta name=\"description\" content=\"Conoce qu\u00e9 es el seguro SOAPEX, qu\u00e9 cubre, qui\u00e9n debe contratarlo y c\u00f3mo comprarlo para ingresar a Chile con un veh\u00edculo extranjero.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparaonline.cl\/blog\/autos\/soap\/que-es-el-seguro-soapex\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es el seguro SOAPEX? 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