What Salud Total does

Salud Total EPS-S is a private Colombian health insurance company (Entidad Promotora de Salud) founded in 1992 and headquartered in Bogotá, operating under the country's General System of Social Security in Health (SGSSS). The company provides mandatory health coverage through the Plan de Beneficios en Salud (PBS) to contributory regime members and, as of June 2025, to subsidized regime members under a special Supersalud authorization (Resolución 2025310010004116-6). It serves approximately 5.4 million EPS members and reports 37 million PAC affiliated subscriptions across six customer segments: contributory employees, subsidized members, PAC complementary plan subscribers, employers, independent workers, and IPS provider institutions.

The company layers four modular complementary health plans (PAC Delta, Gama, Alfa, Omega) on top of the regulated PBS base, offering direct specialist access, dental coverage, maternity care, home care, and 24/7 telemedicine without referral requirements. Its technology stack centers on a digital health platform comprising native iOS, Android, and Huawei mobile applications; a web-based Virtual Office (Oficina Virtual); a telesalud/telemedicine module; and the Pablo AI-assisted WhatsApp chatbot as the unified 24/7 member-service front door. Distribution combines 14 physical Centros de Soluciones en Salud across major Colombian cities, a network of 1.2 million IPS provider facilities, employer enrollment portals, and pharmacy delivery partnerships with Disfarma and Tododrogas.

The business model is predominantly subscription-driven through government UPC capitation payments (per Resolution 2381 of 2021) for PBS, plus recurring monthly PAC subscription fees and regulated copagos/cuotas moderadoras. Recent strategic momentum includes the 2025 Telemedicina launch, the subsidized-regime authorization, pharmacy partnership expansion, and a 2025-2026 Mundo Aventura PAC enrollment campaign, indicating a deliberate push into digital-first care delivery and lower-income segment expansion.

Name

Salud Total

Legal name

Salud Total EPS-S

Website

https://saludtotal.com.co

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Salud Total EPS-S is a private Colombian health insurer (EPS) serving 5.4 million EPS members and a large PAC subscriber base with mandatory PBS coverage, modular complementary plans (Delta, Gama, Alfa, Omega), telemedicine, and a nationwide IPS provider network.

Ownership category

akta.pro rank

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. EPS Capitation (UPC) - Contributory Regime: Monthly per-capita payments (UPC - Unidad Per Capita de Pago) received from the Colombian government for each contributory regime member enrolled, based on age, sex, and geographic zone.
2. EPS Capitation (UPC) - Subsidized Regime: Per-capita capitation payments from the government for subsidized regime members served through the mobility mechanism.
3. Employee/Employer Payroll Contributions: Mandatory payroll contributions from formal employees and their employers to the SGSSS (General System of Social Security in Health).
4. PAC (Planes Complementarios) Subscription Fees: Monthly subscription fees from PAC (Complementary Health Plan) members for access to additional services beyond the PBS, including specialist consultations, dental care, telemedicina, and home care. Plans include Delta, Gama, Alfa, and Omega with tiered pricing.
5. Copagos and Cuotas Moderadoras: Moderate fees charged to members for certain healthcare services as regulated by Colombian health authorities (Circular 61 of 2021).

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels10 records

Core offering

Salud Total EPS-S is a Colombian Health Promoting Entity (EPS) operating under the country's mandatory General System of Social Security in Health (SGSSS). The company administers the Plan de Beneficios en Salud (PBS) covering contributory and subsidized regimes, and offers voluntary supplementary Planes de Atención Complementaria (PAC) tiers — Delta, Gama, Alfa, and Omega — for additional medical, dental, and wellness benefits. It finances and coordinates healthcare delivery through a national network of more than 1.2 million IPS providers for roughly 5.4 million affiliated members.

Product overview

Salud Total EPS-S operates as a Colombian health insurance company (EPS) offering a two-tier product architecture: the core Plan de Beneficios en Salud (PBS) providing mandatory subsidized health coverage under Colombia's public health system, supplemented by the Planes Complementarios (PAC) modular add-on plans (Delta, Gama, Alfa, Omega) that provide enhanced coverage, direct specialist access, and additional services. The company delivers services through digital channels including mobile applications (APP Salud Total EPS-S for PBS and APP PAC for complementary plans), a web-based Oficina Virtual portal, and AI-powered customer service via the Pablo WhatsApp chatbot. The PAC portfolio ranges from entry-level Delta protection to specialized dental coverage (Plan Omega), with Plan Alfa offering the most comprehensive 24/7 specialist access.

Differentiator

Problem solved

Functional benefit

Brands

• Plan Alfa: Complementary health plan with access to 12 medical specialties, 24-hour service, and telemedicine.
• Plan Delta
• Plan Gama
• Plan Omega

Products and services

• Plan de Beneficios en Salud (PBS)
• Plan Complementario Delta
• Plan Complementario Gama
• Plan Complementario Alfa
• Plan Complementario Omega
• Servicio de Telemedicina

Quantifiable outcome

• Awarded 'EPS with the best risk management results in VIH/Sida' and 'EPS with the best risk management results in acute lymphocytic leukemia in children under 18' by Cuenta de Alto Costo, 2020. Ranked among top 3 EPS in the overall Cuenta de Alto Costo 2020 ranking.
• +1 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• TododrogascoreTechnology or Integration · 1 December 2025Pharmacy chain partner providing medication delivery services to Salud Total members in Antioquia starting December 2025, improving access to prescribed medications.
• Mundo AventuraminorGTM or Marketing Partner · 1 January 2025Entertainment park partner offering PAC members 2 free passports (with 9 attractions included) upon PAC enrollment in Bogotá until December 5, 2026. Additional passport upgrades available at discounted rates (Kids 40% off, Silver 30% off, Gold 20% off).
• DisfarmacoreTechnology or Integration · 1 January 2025Pharmacy delivery service partner covering Caldas, Santander, and La Guajira, providing domiciliary medication delivery to affiliated members in these departments.
• Virrey Solís IPScoreTechnology or IntegrationHealthcare provider institution (IPS) within the Salud Total provider network, offering medical consultations and services to affiliated members. Located in Bogotá (among other sites), referenced as a partner for laboratory result delivery for PAC members.
• CPOcoreTechnology or IntegrationHealthcare provider institution (CPO) integrated into the Salud Total IPS network for delivering medical services to affiliated members across Colombia.
• Clínica NogalescoreTechnology or IntegrationClinic partner within the Salud Total network, offering specialized healthcare services. Referenced for PAC member laboratory results and medical consultations in Bogotá.
• Alianza Diagnóstica S.A.coreTechnology or IntegrationDiagnostic services provider (laboratory and imaging) integrated into the Salud Total provider network for member diagnostic testing.
• Superintendencia Nacional de Salud (Supersalud)coreStrategic or Co-development PartnerColombian health regulatory and supervisory body that authorizes and oversees EPS operations, grants special authorizations (e.g., Resolución 2025310010004116-6 for subsidized regime), and monitors compliance with SGSSS regulations.
• Ministerio de Salud y Protección Social de ColombiacoreStrategic or Co-development PartnerColombian Ministry of Health sets the regulatory framework (Decree 780 of 2016, Circular 008 of 2018, Circular 000011 of 2020, Resolution 4505) under which Salud Total operates as an EPS.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sanitas EPS: Sanitas EPS is one of the largest Colombian EPSs operating under the same SGSSS contributory and subsidized regime model as Salud Total, with a comparable capitation revenue model and IPS provider network. Direct competitor for member enrollment and employer accounts.
• EPS Sura: EPS Sura is a major Colombian health insurer operating in the contributory regime with a similar UPC capitation model, complementary plan offerings, and national IPS network. Operates under the Sura financial holding group.
• Nueva EPS: Nueva EPS is a major Colombian EPS with significant presence in both contributory and subsidized regimes, operating under the same SGSSS framework as Salud Total. It is one of the country's largest EPSs by member count and a direct competitor for employer-sponsored enrollment.
• Compensar EPS: Compensar is a Colombian Caja de Compensación Familiar that also operates a health plan (EPS) under the same SGSSS framework. Comparable capitation model and contributory regime focus with strong Bogotá presence.
• Famisanar EPS: Famisanar is a Colombian EPS operating in the contributory regime, owned jointly by Cafam and Colsubsidio. Comparable UPC capitation model and complementary plan offerings to Salud Total.
• Mutual Ser EPS: Mutual Ser is a Colombian EPS focused primarily on the subsidized regime, operating under the same SGSSS framework as Salud Total. Relevant peer given Salud Total's June 2025 expansion into subsidized operations.
• Coomeva EPS (in liquidation): Coomeva was a major Colombian EPS that entered liquidation/intervention, illustrating the systemic risk in the Colombian EPS sector that affects all players including Salud Total. Modeled the contributory regime capitation approach.

Regional players

• Capital Salud EPS: Capital Salud is a Bogotá-focused public EPS operating in the subsidized regime under the SGSSS framework. Comparable model to Salud Total's newly authorized subsidized operations but with a narrower geographic focus.

Broad incumbents

• UnitedHealth Group: UnitedHealth Group is the largest US managed care company with global operations in health insurance and care delivery. It represents the broad incumbent global model for capitation-based health insurance and integrated care delivery that Salud Total operates in a Colombian context.

Emerging players

• Aliansalud EPS: Aliansalud is a smaller Colombian EPS operating in both contributory and subsidized regimes, with a comparable UPC capitation model and IPS network structure. Smaller scale than Salud Total but directly comparable operating model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/misaludtotal
• YouTubeyoutube.com/user/saludtotaleps
• Facebookfacebook.com/saludtotaleps
• LinkedInlinkedin.com/company/saludtotaleps
• Instagraminstagram.com/saludtotalpac

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Salud Total