What Cafam does

Cafam (Caja de Compensación Familiar Cafam) is a private, non-profit Colombian family compensation fund founded in 1957 in Bogotá and currently serving more than 800,000 affiliated workers and their families across Colombia. Its statutory mandate — driven by the Colombian Ley 21 of 1982 framework that requires formal employers to affiliate to a Caja and pay 4% of each worker's monthly salary — channels mandatory payroll contributions into a comprehensive social-welfare platform spanning monetary family subsidies, healthcare (CafamPlus prepaid medicine, Droguerías Cafam pharmacies, Famisanar/Nueva EPS affiliations, and the Coomeva prepaid alliance covering 39,000 companies), education (Jardines Sociales early-childhood program, Unicafam university), tourism (owned resort properties in Melgar and Cartagena), recreation (Club Campestre, Club Madelena, Cafam Floresta), housing subsidies, employment services (Agencia de Empleo), and financial products (Tarjeta Integral Cafam, Cafam-Davivienda co-branded credit card).

The underlying technology stack combines a digital self-serve affiliation portal (afiliaciones.cafam.com.co), the Tarjeta Integral Cafam (TIC) digital card ecosystem with a companion mobile app, electronic invoicing through the eClick platform, the SERVIR virtual Colombian Sign Language interpretation service deployed across 100+ service points, an employment-agency matching system operating on structured candidate and vacancy data, and integrations with Q10 (academic payments), ZeusOnline (hotel reservations), Davivienda/Pagosimple (credit), and the public-employment-service platform. Distribution spans 100+ physical service points, 8 Centro de Desarrollo Productivo offices, a pharmacy chain, the Cafam Floresta mixed-use center, and reciprocal access through the 20-member Cajas Aliadas network (63 recreational centers, 33 hotel units, 11 camping zones).

Cafam's revenue model is anchored in recurring mandatory employer contributions, supplemented by subscription fees (CafamPlus prepaid medicine), transaction and partnership commissions (credit card, commercial agreements), direct tourism and event revenue, and credit/housing finance flows. Its go-to-market combines enterprise field sales for employer acquisition, digital self-serve onboarding for individual affiliations, and large-scale community events (Sabana Fest, Diverfest, Empresas de Alto Impacto, Melgar resort programming) for affiliate engagement and retention across employer, family, MiPyme, fuerza pública, independent-worker, and unemployed segments.

Name

Cafam

Legal name

Caja de Compensación Familiar Cafam

Website

https://cafam.com.co

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Cafam is a Colombian family compensation fund (Caja de Compensación Familiar) founded in 1957, delivering monetary subsidies, healthcare, education, tourism, recreation, housing, and employment services to over 800,000 affiliated workers and their families through a network of 100+ service points, owned resorts, and an integrated digital platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Caja de Compensación - Employer Contribution Revenue: As a Colombian Caja de Compensación Familiar (Family Compensation Fund), Cafam's primary revenue derives from mandatory employer contributions. Colombian law requires employers to pay 4% of each worker's monthly salary to their affiliated compensation fund. Cafam receives these contributions from affiliated companies across all sectors.
2. Service Fees and Tourism Revenue: Revenue from tourism operations including Centro de Vacaciones Melgar (3 hotel units), Hotel Corales de Indias Cartagena, Club Campestre, and event services. Additional revenue from educational services (Unicafam, courses), health services (CafamPlus prepaid medicine), sports/recreation facilities, and commercial pharmacy operations.
3. Credit and Financial Product Partnerships: Commissions and partnership revenues from the Cafam-Davivienda co-branded credit card, housing credits, and other financial products offered to affiliates.
4. Convention and Enterprise Services: Revenue from corporate events, conference center rentals, corporate wellness programs, and MiPymes programs (Cafam Proyecta) provided to affiliated companies.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels9 records

Core offering

Cafam is a Colombian Caja de Compensación Familiar (Family Compensation Fund) that channels mandatory employer payroll contributions into a portfolio of social welfare services. It delivers monthly monetary subsidies to affiliated workers through the Tarjeta Integral Cafam (TIC) digital card, operates owned pharmacies, vacation resorts and hotels in Melgar and Cartagena, provides sports clubs, early childhood education centers, university education (Unicafam), prepaid healthcare (CafamPlus), an employment agency with job placement, unemployment subsidy administration, housing subsidies, corporate events services, and access to over 200 commercial discount agreements for affiliated workers and their families across Colombia.

Product overview

Cafam is a Colombian family compensation fund (caja de compensación familiar) offering a multi-module service platform centered on the Tarjeta Integral Cafam (TIC) card as the unified access point for all benefits. The portfolio spans eight core service lines: (1) monetary subsidies and financial services including credits, housing subsidies, and the Cafam-Davivienda co-branded credit card; (2) prepaid health through CafamPlus and health dispensary services (Droguerías); (3) tourism across three vacation resort brands (Centro Vacacional Melgar with Hotel Kualamaná and Hotel Almirante, Hotel Corales de Indias in Cartagena, and Casas Vacacionales), plus a pasadías day-use program and the Cajas Aliadas hoteling network; (4) sports and recreation via its own clubs (Club Campestre, Madelena, Floresta) and partner network including Bodytech; (5) education from early childhood (Jardines Sociales, 12 facilities) through formal schooling and lifelong learning; (6) employment services through the Agencia de Empleo including placement, unemployment subsidy management, and productivity programs (Desarrollo Productivo / Cafam Proyecta); (7) corporate services including business events at dedicated convention centers, enterprise affiliation, and over 200 partner agreements; and (8) special programs for Fuerza Pública. Cafam Floresta functions as the flagship commercial center housing the main service hub.

Differentiator

Problem solved

Functional benefit

Brands

• CafamPlus: Health services with 12 specialties and home consultations 24/7 in Bogotá
• Cafam Proyecta
• Unicafam
• Jardines Sociales Cafam
• Hoteles Cafam

Products and services

• Tarjeta Integral Cafam (TIC) Digital and physical card system that delivers monthly monetary quota to affiliated workers, enabling cash withdrawals at Éxito stores and Paga Todo points, purchases across partner networks, and subsidy management via the App TIC Virtual.
• CafamPlus Prepaid Medicine Plan Prepaid health plan offering 12 medical specialties and 24/7 home medical consultations in Bogotá for employees of Cafam-affiliated companies, providing comprehensive medical coverage beyond standard EPS services.
• Droguerías y Medicamentos Cafam Pharmacy and medication dispensing service with home delivery option, offering up to 50% discounts on medications and serving Famisanar EPS affiliates and general Cafam members.
• Centro Vacacional Cafam Melgar Flagship vacation resort in Melgar, Tolima featuring hotel accommodations, an aquatic park with slides and wave pools, themed restaurants, a biopark, event convention center, and recreational activities for families.
• Hotel Corales de Indias Cartagena Beach hotel resort in Cartagena offering vacation accommodations, event spaces, and leisure services for Cafam affiliates and external guests.
• Hoteles Cafam - Hotel Kualamaná, Hotel Almirante, and Casas Vacacionales (Melgar) Hotel units at Centro Vacacional Melgar with convention center facilities, including Hotel Kualamaná, Hotel Almirante, and self-contained Casas Vacacionales rental homes for family accommodations.
• Educación Cafam (Unicafam and Continuing Education) Educational programs spanning early childhood (Jardines Sociales), K-12 school payments via Q10, technical programs, short courses, language learning (English), and university-level education through Fundación Universitaria Cafam (Unicafam).
• Deportes Cafam (Sports and Recreation Clubs) Sports and recreation services including Sports Schools (16+ disciplines), free practice spaces, gym memberships, Club Campestre Cafam, Club Recreativo Madelena, and convention center facilities, available at own venues and partner locations including Bodytech.
• Agencia de Empleo Cafam (Employment Agency) Employment agency providing job placement, unemployment subsidy management, skills training, career development programs, and productivity support for individuals and SMEs, with physical Centers for Productive Development (CDP) across Bogotá and surrounding areas.
• Subsidio de Desempleo (Unemployment Subsidy) Free unemployment subsidy support service providing economic transfers, health and pension contributions, employment orientation, and training for unemployed affiliates under Colombian Law 1636 of 2013 and Law 2225 of 2022.
• Subsidio de Vivienda Cafam (Housing Subsidy and Credit) Housing subsidy program enabling affiliated families to purchase homes through government subsidies, complementary savings programs (PAS +Vivir), credit facilitation, and partnerships with housing developers.
• Jardines Sociales Cafam (Early Childhood Education) Social childcare program serving children aged 0-7 with pedagogical, health, nutritional, and psychosocial support. Operates 12 gardens across Bogotá and Facatativá, benefiting over 3,500 children, with over 120,000 children served in 25+ years of operation.
• Eventos Empresariales Cafam (Corporate Events) Corporate events service offering venue rental, event conceptualization, and execution across three exclusive venues: Centro Vacacional Melgar, Hotel Corales de Indias in Cartagena, and Centro de Convenciones Cafam Floresta, Club Madelena, and Club Campestre in Bogotá.
• Cafam Proyecta / Desarrollo Productivo (SME Growth Program) SMEs support program providing business strengthening, productivity consulting, corporate wellness, human development webinars, and free event access for micro, small, and medium enterprises affiliated with Cafam, through three components: Conexión, Productividad MiPymes, and Evolución.
• Cafam Floresta (Commercial Center) Mixed-use commercial center combining retail, dining, culture, cinema, and a convention center, serving as the primary Bogotá headquarters for Cafam services including central customer service.
• Portal de Afiliaciones / Servicios en Línea (Digital Self-Service Platform) Digital self-service platform for affiliates and employers to manage affiliations, consult updates, process enrollments via Excel templates, schedule medical appointments, book hotels, access sports services, and submit PQRSD requests online.
• Fuerza Pública (Military and Police Program) Specialized program for active, retired, and pensioned public force personnel providing tailored benefits including tourism, recreation, sports, education, integral card services, drugstores, optical services, voluntary health plans, and partner discounts.
• Convenios Cafam (Partner Discount Network) Over 200 partner agreements across 12 categories (sports, education, entertainment, gastronomy, home, pets, fashion, mobility, retail, health, tourism, and more) providing discounts and exclusive benefits at national level for Cafam affiliates.
• Cajas Aliadas Reciprocal Network Inter-cajas compensation network enabling Cafam affiliates to access 20 national Cajas de Compensación Familiar, 63 recreational centers, 33 hotel units, and 11 camping zones through reciprocal agreements across Colombia.
• Cafam-Davivienda Co-Branded Credit Card Co-branded Cafam-Davivienda credit card offering exclusive benefits to Cafam affiliates including cashback at Grupo Éxito, Davipuntos rewards program, up to 6 months no annual fee, and advances up to 30% of credit limit under the Mastercard franchise.

Quantifiable outcome

• 9,431 job placements achieved through the Employment Agency from 2015 to March 2026
• +5 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability5 records

Feature3 records

Partnerships

22 partnerships are on record, tiered core and minor.

• CoomevacoreStrategic or Co-development PartnerStrategic alliance between Cafam and Coomeva for prepaid/private medicine services, targeting employees of 39,000 affiliated companies with improved medical attention and wellness. The alliance seeks to enhance healthcare quality and access for Cafam's corporate affiliates.
• Grupo Éxito (Surtimax, Carulla, Almacenes Éxito)coreChannel Partner/ Reseller/ DistributorCash withdrawal network for Tarjeta Integral Cafam subsidy card. Affiliates can withdraw monetary quota from authorized Éxito store cashiers nationwide. Also partner for Cafam-Davivienda credit card cashback and promotions.
• Paga TodominorChannel Partner/ Reseller/ DistributorNew convenience store network partnership enabling Tarjeta Integral Cafam subsidy withdrawals via Paga Todo points, complementing the existing Éxito withdrawal network.
• eClickcoreTechnology or IntegrationElectronic invoicing platform provider used by Cafam for supplier invoice management. The eClick portal enables suppliers to submit, consult, and track electronic invoices with automated novelty notifications.
• Laboratorios CafamminorStrategic or Co-development PartnerClinical laboratory services for affiliate healthcare, accessible through the Cafam health platform at laboratorios.cafam.com.co for patient result consultation.
• BodytechminorChannel Partner/ Reseller/ DistributorGym and fitness partner within the sports and recreation ecosystem, offering Cafam affiliates discounted access to Bodytech facilities through the Deportes Cafam portal.
• Cajas Aliadas (20 Cajas de Compensación Familiar)coreChannel Partner/ Reseller/ DistributorNational alliance network of 20 cajas de compensación providing cross-regional access. Includes 63 recreational centers, 33 hotel units, and 11 camping zones accessible to Cafam affiliates through the Cajas Aliadas program.
• Ministerio del Trabajo (Ministry of Labor)coreStrategic or Co-development PartnerStrategic partnership with Colombian Ministry of Labor for the veteran hiring initiative (Programa de Contratación de Veteranos de la Fuerza Pública), promoting employment of military veterans within Colombian companies.
• Tempolider S.A.S.minorStrategic or Co-development PartnerPartner for the 'Empresas de Alto Impacto' event under the Cafam Proyecta program, contributing to corporate training and agile methodology workshops.
• Himalaya Business Seminar (HBS)minorStrategic or Co-development PartnerPartner for the 'Empresas de Alto Impacto' event, providing expertise in mindset and strategy through the Himalaya Method alongside expert Gustavo Duque.
• Centro de Desarrollo Productivo SubaminorOthersLocal government partnership in Suba locality for employment services, housing subsidy administration, and productivity programs.
• Servicio Público de Empleo (Public Employment Service)coreOthersIntegration with Colombia's public employment service platform (personas.serviciodeempleo.gov.co) required for unemployment subsidy applicants to register and develop their employment route.
• Secretaría Distrital de Integración SocialcoreStrategic or Co-development PartnerPartnership with Bogotá's District Secretary of Social Integration for the Jardines Sociales early childhood program, operating 11 gardens in Bogotá localities and contributing to the public early childhood policy.
• Secretaría de Educación de CundinamarcaminorStrategic or Co-development PartnerRegional government partnership for early childhood education through Jardines Sociales Cafam operating in Cundinamarca municipalities including Facatativá.
• CiencuadrasminorChannel Partner/ Reseller/ DistributorReal estate platform partner for housing search and property listings, complementing Cafam's housing subsidy and housing credit services.
• Más Motos (Grupo UMA)minorChannel Partner/ Reseller/ DistributorOfficial distributor of Grupo UMA motorcycles in Colombia offering exclusive discounts to Cafam affiliates under the mobility category of commercial agreements.
• Chuck E CheeseminorChannel Partner/ Reseller/ DistributorEntertainment center chain with up to 25% discount on pizza combos, token packages, and parties/events for Cafam affiliates.
• UNINPAHUminorChannel Partner/ Reseller/ DistributorEducational institution partnership offering 20% discount on tuition for undergraduate, graduate, and continuing education programs.
• Politécnico GrancolombianoChannel Partner/ Reseller/ DistributorEducational institution partnership offering 15% discount on tuition through the commercial agreement program.
• IETA (Instituto de Estudios Técnicos Aeronáuticos)minorChannel Partner/ Reseller/ DistributorAviation studies institution partnership offering specialized technical education discounts to Cafam affiliates.
• SpeedominorChannel Partner/ Reseller/ DistributorSports apparel brand partnership offering 10% discount on store products through the sports/mobility category of agreements.
• Expreso Viajes y TurismominorChannel Partner/ Reseller/ DistributorTravel agency partner for tourism services, accessible through the footer links on Cafam's website and providing travel package services to affiliates.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• SURA: Grupo SURA is a major Colombian financial services and insurance conglomerate with significant presence in pensions, health (EPS Sura), and savings. It competes indirectly with Cafam's CafamPlus prepaid health offering and is a broad incumbent in the social-welfare and financial services space.

Emerging players

• Bodytech: Bodytech is Colombia's largest gym chain and a partner within Cafam's sports ecosystem (Deportes Cafam). Comparable as a recreation/sports service provider reaching Colombian consumers, though operating through commercial subscriptions rather than Caja-style social welfare funding.

Direct peers

• Compensar: Compensar is the other major Caja de Compensación Familiar operating in Bogotá, with a comparable portfolio of subsidies, health, education, recreation, and tourism services serving a similar affiliate base. It is the most direct head-to-head competitor for Cafam in the Bogotá/Cundinamarca market and a natural comparable for valuation and operating benchmarks.
• Coomeva: Coomeva is a Colombian cooperative group and current strategic partner of Cafam in the prepaid health alliance covering 39,000 affiliated companies. As a healthcare and financial services cooperative, it is both a partner and a peer in the prepaid medicine segment where CafamPlus competes.
• Colsubsidio: Colsubsidio is a Bogotá-based Caja de Compensación offering family subsidies, health services, education, retail (Colsubsidio supermarkets and drugstores), and recreation clubs. Its owned retail and pharmacy footprint overlaps directly with Cafam's Droguerías Cafam chain and Cafam Floresta commercial center.
• Davivienda: Davivienda is the financial partner for Cafam's co-branded credit card and housing credit products. As a major Colombian bank, it represents a partner-competitor in the financial services segment, distributing credit and payment products through Cafam's affiliate base.

Regional players

• Comfama: Comfama is the dominant Caja de Compensación in Antioquia, operating a similarly broad portfolio of health, education, tourism, and employment services. Comparable in operating model to Cafam but geographically concentrated in Medellín/Antioquia, making it a regional peer rather than a direct Bogotá competitor.
• Cajacopi: Cajacopi is the Caja de Compensación Familiar del Atlántico, serving the Barranquilla/Caribbean region with family subsidies, health, and education services. Operates under the same regulatory framework as Cafam but in a distinct geographic market.
• Comfenalco Antioquia: Comfenalco Antioquia is another Antioquia-based Caja offering family subsidies, health, education, and recreation services. Comparable in governance and revenue model to Cafam but focused on the Medellín region and not a direct Bogotá competitor.
• Comfandi: Comfandi is the leading Caja de Compensación in Valle del Cauca, with diversified operations in health, education, housing, and recreation. Operates the same Caja model as Cafam but serves the Cali/Pacific region rather than Bogotá.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cafamoficial
• YouTubeyoutube.com/user/CanalCafam
• Facebookfacebook.com/cafamoficial
• LinkedInlinkedin.com/company/caf%C3%A1m-oficial
• Instagraminstagram.com/cafamoficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries5 records

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 Cafam