Gokei

What Gokei does

Gokei is a Santiago, Chile-based consumer healthtech company founded in 2023 by Andrés Valdivia and Fernando Smith. It operates a mobile and WhatsApp-integrated platform that automates reimbursement claims for Chilean users enrolled in ISAPRE (private health insurance) and complementary insurance plans. The product addresses a documented pain point in the Chilean healthcare system: the administrative burden of manually submitting receipts, prescriptions, and medical orders to multiple insurers and tracking reimbursement status across them. Gokei reports operational scale of more than 4,300 expenses processed, $500 million CLP managed for reimbursement, and over 6,000 documents stored on the platform.

The technology stack centers on a mobile application available on iOS and Android, a WhatsApp business channel synchronized bidirectionally with the app, and the SKIP® automatic-reimbursement program. SKIP® integrates directly with six named healthcare provider partners (Luminus, Longevity, Mama Activa, Medicop, Team Kine, Casa Nogal), enabling boletas to be transmitted to Gokei without user action. The platform supports multi-user structures where family members — including parents — can be added as beneficiaries at no additional cost, each with their own ISAPRE and up to two complementary insurance combinations, and routes claims to both ISAPRE and complementary insurers in parallel to maximize reimbursement capture. Data in transit is encrypted with TLS 1.3.

Gokei's business model is a pure transaction-fee structure under its "Plan Único Costo Cero": zero fixed cost, 5% commission on each successful reimbursement, monthly billing, and a $70,000 CLP cap to protect high-volume users. Payments are processed via VentiPay (cards) and Fintoc (PAC automatic checking-account debit). Distribution is fully self-serve via app stores and WhatsApp, with the SKIP® partner network serving as an embedded channel. The company was recognized as one of Cuantico VP's Chile's Top Startups to Watch for 2026, and disclosed funding totals $300K across a 2023 Platanus round ($100K) and a 2025 Matias Ventures round ($200K). The company is in the process of rebranding its consumer product to "Skip."

Name

Gokei

Legal name

Gokei

Website

https://gokeigo.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Gokei (rebranding to Skip) is a Santiago-based consumer healthtech platform that automates Chilean ISAPRE and complementary insurance reimbursements via mobile app, WhatsApp, and a partner-provider network, charging a 5% commission on successful claims.

Ownership category

akta.pro rank

Product category

Health Insurance Reimbursement Management

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Claims Administration & Payment Integrity (Medical/Dental/Vision) (HLAEALAD)

akta.pro secondary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

Keywords

• Health expense reimbursement
• Insurance claim automation
• Mobile reimbursement app
• WhatsApp health assistant
• Digital health insurance

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Reimbursement Commission: 5% commission charged only on successful reimbursements. If no successful reimbursements occur in a month, no charge is applied. Monthly billing. Includes a cap of $70,000/month to protect users from high-volume expense situations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Gokei operates a consumer-facing digital platform that automates health insurance reimbursements for Chilean ISAPRE and complementary insurance plans. Users submit receipts via a mobile app or WhatsApp and Gokei processes, tracks, and maximizes their claims across multiple insurers. Through its SKIP® program, partner healthcare providers transmit receipts directly to Gokei for automatic reimbursement without any user action required.

Product overview

Gokei (rebranding to Skip) is a health reimbursement management platform consisting of two main channels - a mobile app and WhatsApp integration - plus the SKIP automatic reimbursement program. Users can submit health expenses via WhatsApp or app, and the system automates routing to Isapre and complementary insurance providers. The SKIP program enables zero-touch reimbursement from partner healthcare providers. The pricing follows a commission-based model with no fixed costs.

Differentiator

Problem solved

Functional benefit

Brands

• Gokei SKIP®: Automatic reimbursement program where users attend healthcare providers and boletas are sent directly to Gokei for automatic rendición.
• Magia Gokei®

Products and services

• Gokei App

Quantifiable outcome

• Over $500 million CLP managed for reimbursement
• +2 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• LuminuscoreStrategic or Co-development PartnerHealthcare provider partner in the Gokei SKIP program. Users visiting Luminus (centroluminus.cl) have their receipts automatically sent to Gokei for reimbursement processing without manual submission.
• LongevitycoreStrategic or Co-development PartnerHealthcare provider partner in the Gokei SKIP program for automatic receipt transmission and reimbursement processing.
• Mama ActivacoreStrategic or Co-development PartnerHealthcare provider partner in the Gokei SKIP program for automatic receipt transmission and reimbursement processing.
• MedicopcoreStrategic or Co-development PartnerHealthcare provider partner in the Gokei SKIP program for automatic receipt transmission and reimbursement processing.
• Team KinecoreStrategic or Co-development PartnerHealthcare provider partner in the Gokei SKIP program for automatic receipt transmission and reimbursement processing.
• Casa NogalcoreStrategic or Co-development PartnerHealthcare provider partner in the Gokei SKIP program for automatic receipt transmission and reimbursement processing.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gokei