Koltin
Koltin is a Mexico-based insurtech that sells annual health memberships to adults aged 50–84, combining major medical expense insurance underwritten by BBVA Seguros Salud with preventive medicine services and in-person community activities, distributed direct-to-consumer across Mexico.
- Company typePrivate
- Founded2022
- HeadquartersMexico City, Mexico
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Koltin does
Koltin (legal entity Aplicaciones Gerontológicas S.A.P.I. de C.V.) is a Mexico-based insurtech that targets adults aged 50–84 with an integrated health membership combining major medical expense insurance, preventive medicine services, and a community platform. The company sells a single annual "Membresía Koltin" product priced on age-tiered bands from MXN $47,242 at age 50 to MXN $131,065 at age 84, positioning below competitor benchmark pricing of MXN $62,280–$67,380 for comparable coverage. The insurance component is underwritten by BBVA Seguros Salud with capped coinsurance of MXN $20,000 and deductible options of MXN $30,000 or $100,000; enrollment does not require a medical exam, only a medical-history consent form.
The technical layer includes a public marketing site (koltin.mx), a member portal (clientes.koltin.mx), a partner/affiliate portal (socios.koltin.mx), and a BambooHR careers portal, supporting self-serve quote-and-buy plus phone-based inside sales. The preventive medicine layer covers longevity studies with personalized health action plans, videoconsultations, preventive follow-up with the Koltin health team, and on-site rehabilitation/study spaces. The community layer is delivered through Casa Koltin, a physical space in Mexico City hosting in-person workshops (painting, tai chi, dance therapy, cinema debate) and online events, with expansion into Monterrey underway.
Koltin distributes direct-to-consumer via website and phone, complemented by a community-led demand-generation model that relies on word-of-mouth, member testimonials, and awareness campaigns (including the "Anti anti-edad" campaign with brand ambassador Patricia Kelly and anti-ageism positioning). The company has raised approximately $10.75M across three rounds (Magma Partners/500 Global/Catalyst Fund pre-seed in 2022, Mucker Capital-led seed in October 2023, and Left Lane Capital-led Series A in September 2024) and has issued more than US$7M in premiums through partnerships with BBVA and Laboratorios Chopo. Leadership is founder-led by co-founder & CEO Eduardo Reynaga and co-founder & COO Carmen Rosillo.
Koltin firmographics
Firmographics- Name
- Koltin
- Legal name
- Aplicaciones Gerontológicas S.A.P.I. de C.V.
- Website
- https://koltin.mx
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Koltin is a Mexico-based insurtech that sells annual health memberships to adults aged 50–84, combining major medical expense insurance underwritten by BBVA Seguros Salud with preventive medicine services and in-person community activities, distributed direct-to-consumer across Mexico.
- Ownership category
- akta.pro rank
Koltin industry classification
Industry- Product category
- Senior Health Insurance (Insurtech)
- NAICS
- Food (Health) Supplement Retailers (456191)
- SIC
- Wholesale-Drugs, Proprietaries & Druggists' Sundries (5122)
- akta.pro primary industry
- Group Universal Life (GUL) (FSAIADAC)
- akta.pro secondary industry
- Group Whole Life (Limited/Continuous Pay) (FSAIADAE)
Keywords
Where Koltin is headquartered
LocationHeadquarters
- HQ city
- Mexico City
- HQ country
- Mexico
- HQ region
- Latin America
Offices5 records
Markets served
Koltin business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Annual Health Membership Subscription: Koltin generates revenue through annual membership fees that include a major medical expense insurance policy (operated and issued by BBVA Seguros Salud) plus preventive health services and community access. Members pay annual premiums ranging from approximately $47,242 to $131,065 MXN depending on age, with deductibles of $30,000 or $100,000 and a capped co-payment of $20,000.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Age-based annual membership pricing (50–84 years) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Koltin product offering
Product offeringCore offering
Koltin sells an annual membership for Mexican adults aged 50–84 that combines a major medical expense insurance policy (Seguro de Gastos Médicos Mayores, underwritten by BBVA Seguros Salud) with preventive medicine services (longevity studies, videoconsultations, rehabilitation) and access to a community of activities and events. Pricing is age-tiered and paid annually, and the membership is offered directly to consumers via the Koltin website, phone sales, and the Casa Koltin community space in Mexico City.
Product overview
Koltin offers a unified Membresía (membership) program for adults aged 50–84 (referred to as 'Grandes Personas'), combining three integrated components: (1) a major medical expense insurance product (Seguro de Gastos Médicos Mayores), underwritten by BBVA Seguros Salud, featuring per-condition sums insured, capped coinsurance, and deductibles; (2) preventive medicine services (Medicina Preventiva) including longevity studies, video consultations, and rehabilitation; and (3) a community platform (Comunidad Koltin) with in-person and online activities such as painting, Thai Chi, and dance. The membership is sold as a single integrated offering with pricing varying by age (from $47,242 MXN annually at age 50 to $131,065 MXN at age 84), and is backed by BBVA as the insurance carrier.
Differentiator
Problem solved
Functional benefit
Products and services
- Membresía Koltin (Koltin Membership) An annual health membership program for Mexican adults aged 50–84 combining a major medical expense insurance policy (Seguro de Gastos Médicos Mayores, underwritten by BBVA Seguros Salud), preventive medicine services (longevity studies, videoconsultations, rehabilitation), and a community component (in-person and online activities). Sold directly to consumers through the Koltin website and phone sales with age-tiered annual pricing from $47,242 MXN to $131,065 MXN.
Quantifiable outcome
- Up to 84 years 11 months coverage eligibility — first in Mexico
- +2 more outcomes
Companies that use Koltin
Customer profileNamed customers8 records
Segments2 records
Ideal customer profiles2 records
Koltin technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Koltin partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered flagship and core.
- BBVA (Bancomer)flagshipKoltin partnered with BBVA to issue over US$7 million in premiums for health coverage up to age 85. BBVA is a major financial institution in Mexico and serves as the insurance distribution and brand partner.
- Laboratorios ChopocoreKoltin partnered with Laboratorios Chopo as part of its preventive health ecosystem, contributing to the issuance of over US$7 million in premiums for coverage up to age 85.
- BBVA Seguros SaludflagshipBBVA Seguros Salud operates and issues the Seguro de Gastos Médicos Mayores (major medical expense insurance) included in Koltin's membership. It provides the insurance backbone and regulatory backing for the coverage offered to members aged 50–84.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Koltin competitors and assessment
Company assessmentDirect peers
- Clover Health: US Medicare Advantage insurtech focused on seniors, with integrated care management and a tech-driven platform. Directly comparable business model to Koltin: insurance for older adults combined with clinical/tech-enabled services.
- Devoted Health: US Medicare Advantage insurtech purpose-built for older adults, combining insurance with integrated provider groups and care management — directly analogous to Koltin's insurance + preventive health + community offering.
- Alignment Healthcare: US tech-enabled Medicare Advantage insurer serving seniors, with strong focus on care coordination and member experience — closely mirrors Koltin's senior-first insurance + service approach.
- Bright Health Group: US health insurtech with significant Medicare Advantage exposure serving seniors; comparable in combining tech-driven insurance with care delivery, although at larger scale.
Broad incumbents
- Humana: US health insurer whose Medicare Advantage business is a category leader for senior-focused health coverage. As a broad incumbent with substantial senior exposure, it represents the scaled, established analog of Koltin's target position.
- GNP (Grupo Nacional Provincial): Largest health insurer in Mexico, offering major medical expense insurance across age groups. Operates in the same regulatory and competitive environment as Koltin but without Koltin's senior specialization or community layer.
- AXA Mexico: Major Mexican health and life insurer with broad demographic coverage and the capital to launch a senior-focused product if the market matures. Key incumbent comparable for competitive benchmarking in Mexico.
- MetLife Mexico: Major Mexican insurer with health and life products across age groups. Represents an incumbent that could credibly enter the senior-focused health insurance segment that Koltin pioneered.
- Zurich Santander Seguros México: Major Mexican insurance joint venture offering health and life products; relevant incumbent comparable competing for the same broad Mexican insurance wallet that Koltin targets with its senior-first focus.
Emerging players
- MediQuo: Spanish-language digital health platform operating in Mexico and other LatAm markets, providing teleconsultations and health services to consumers — overlapping with Koltin's preventive-health and videoconsultation layer, though not an insurance carrier.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Koltin social profiles
Digital presenceKoltin financial estimates
Financial estimateRevenue estimate
Valuation estimate
Koltin leadership team
Management profileNumber of profiles
Profiles4 records
Koltin funding detail
Funding detailFunding overview
Funding rounds3 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Koltin M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Koltin
What does Koltin do?
Koltin sells an annual membership for Mexican adults aged 50–84 that combines a major medical expense insurance policy (Seguro de Gastos Médicos Mayores, underwritten by BBVA Seguros Salud) with preventive medicine services (longevity studies, videoconsultations, rehabilitation) and access to a community of activities and events. Pricing is age-tiered and paid annually, and the membership is offered directly to consumers via the Koltin website, phone sales, and the Casa Koltin community space in Mexico City.
Is Koltin a public or private company?
Koltin is a private company. It is classified as venture growth investor backed and is currently operating.
When was Koltin founded?
Koltin was founded in 2022. It employs 11 to 50 people.
Where is Koltin based?
Koltin is headquartered in Mexico City, Mexico, in the Latin America region.
How does Koltin make money?
One revenue line is on record: annual Health Membership Subscription.
Who are Koltin's main competitors?
Direct peers on record are Clover Health, Devoted Health, Alignment Healthcare and Bright Health Group. Broad incumbents are Humana, GNP (Grupo Nacional Provincial), AXA Mexico, MetLife Mexico and Zurich Santander Seguros México. MediQuo is listed as an emerging player.
Does Koltin have an API?
No public API is recorded for Koltin.
What industry is Koltin in?
Koltin's product category is Senior Health Insurance (Insurtech). Its primary akta.pro industry code is FSAIADAC, Group Universal Life (GUL), with a secondary code of FSAIADAE, Group Whole Life (Limited/Continuous Pay). Its NAICS code is 456191 and its SIC code is 5122.