EPS SURA

Name

EPS SURA

Legal name

EPS Suramericana S.A.

Website

https://epssura.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Medellín

HQ country

Colombia

HQ region

Latin America

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. UPC Contributions (Unidad de Pago por Capitación): Monthly per-capita payments from the Colombian government health system (Contributivo and Subsidiado regimes) based on enrolled affiliates' age groups and geographic zones. Governed by Resolution 2764 of December 30, 2025, effective January 1, 2026.
2. Plan Complementario (Supplementary Health Plans): Voluntary supplementary health insurance plans (Básico, Plus, Preferencial, 60+) offering enhanced coverage beyond the mandatory PBS, including direct specialist access, home medical care, private hospital rooms, and wellness programs. Revenue from monthly premiums and copayments.
3. Cuotas Moderadoras y Copagos: Moderating fees and copayments charged to members for certain healthcare services as regulated by Colombian health authorities
4. Bono PAC (Supplementary Plan Copayments): Fixed copayment fees for supplementary plan services including specialized consultations, diagnostic imaging, and home medical care. Annual adjustment of values per Ministry guidelines.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels9 records

Core offering

EPS SURA is a Colombian health insurance company (Entidad Promotora de Salud) that provides mandatory health coverage (Plan de Beneficios en Salud / PBS) under both the contributory regime (for employed workers, pensioners, and independent workers with payment capacity) and the subsidized regime (for SISBEN-classified low-income individuals). It also offers voluntary supplementary health plans (Plan Complementario Básico, Plus, Preferencial, and 60 más) that provide enhanced benefits including direct specialist access, home medical care, private hospital rooms, and preventive wellness programs.

Product overview

EPS SURA (EPS SURAMERICANA S.A.) is a Colombian Health Insurance Company (EPS) offering a multi-tier product portfolio centered on mandatory Colombian health coverage. The core offering is the Plan de Beneficios en Salud (PBS), a government-required health benefits plan available under both Contributory and Subsidized regimes. This core product is supplemented by the Plan Complementario line, which includes three traditional tiers (Básico, Plus, Preferencial) plus the specialized Plan 60 más for adults aged 60-79. The Plan Complementario products operate as add-on modules layered on top of the PBS, providing access-direct specialist consultations, individual hospital rooms, home medical care, and reduced or eliminated PBS copayments and moderating fees. The company also operates digital service platforms including Servicios Un Click (virtual authorizations and appointments), EduSalud (health education), and Pago Express (online payments), along with specialized care programs such as Tiempo para Ti (breast health) and Programa Para Siempre (palliative care). Coverage spans multiple Colombian cities including Bogotá, Medellín, Cali, Barranquilla, Cartagena, Bucaramanga, Pereira, Manizales, Armenia, and Rionegro.

Differentiator

Problem solved

Functional benefit

Brands

• Plan Complementario: Supplementary health plan offering additional coverage beyond the basic PBS (Plan de Beneficios en Salud), including direct access to specialists, home medical care, and exclusive hospital rooms. Available in plans: Basic, Plus, Preferencial, and 60 Plus for adults 60-79 years.
• Plan Complementario 60 más
• Para Siempre
• Tiempo para Ti

Products and services

• Plan de Beneficios en Salud (PBS) Mandatory Health Benefits Plan required by Colombian law, covering all persons with employment contracts, public servants, pensioners, and independent workers with payment capacity. Provides comprehensive medical consultations, hospitalizations, surgeries, maternity care, pediatric services, preventive care, and chronic disease management under both Contributivo and Subsidiado regimes.
• Plan Complementario Básico Entry-level supplementary health plan for affiliates aged 3 months to 59 years. Provides access to specialists without general practitioner referral, individual hospital rooms, and limited home medical care. Sells on top of PBS as voluntary add-on coverage.
• Plan Complementario Plus Mid-tier supplementary health plan with expanded coverage including no PBS copayments, diagnostic imaging coverage, 24-hour home medical care with ambulance, and home dental emergency services. Sells as add-on module above PBS.
• Plan Complementario Preferencial Premium supplementary health plan with maximum coverage including all Plus benefits plus birth continuity care, 300-day pre-enrollment for congenital conditions, and comprehensive home medical services. Sells as top-tier PAC module on top of PBS.
• Plan Complementario 60 más Specialized supplementary health plan for adults aged 60-79 organized across three dimensions: Prevention and Wellness (annual assessment cycle), Social (community activities), and Physical (direct specialist access with individual hospital rooms). Coverage available in 10+ Colombian cities.
• Régimen Subsidiado Subsidized regime coverage for individuals classified in SISBEN groups A, B, C (Full Subsidy) or group D (Solidarity Contribution), including mobility options from contributory regime upon employment termination.
• Servicios Un Click Digital services portal (portaleps.epssura.com) enabling virtual health authorizations, appointment scheduling, medication requests, and affiliation management for affiliates.
• SAT (Sistema de Afiliación Transaccional) Transactional Affiliation System used by providers and territorial entities for processing affiliate transfers and regime mobility novations electronically.
• Farmadomicilios Home medication delivery service allowing affiliates to request prescription medications to their residence through virtual channels. Launched in 2025.
• Turno Virtual Virtual queue appointment system for affiliation procedures, occupational medicine consultations, and operational procedures, enabling scheduling of in-person visits. Launched in 2021.
• EduSalud Educational health platform offering courses, health content, virtual live forums every two weeks, and digital learning experiences accessible from any location.
• Directorio Médico Medical provider directory covering IPS Básicas, hospitals, diagnostic aid centers, pharmacies, optical services, ambulances, oxygen suppliers, and urgent care facilities across coverage areas.
• Pago Express Digital payment platform for plan complementario fees supporting credit cards, debit accounts, barcode invoicing, and automatic debit arrangements through advisors.
• IPS Puntos de Atención COVID-19 Designated healthcare facilities for COVID-19 testing and treatment within EPS SURA's provider network.
• Tiempo para Ti Breast health diagnostic and accompaniment program providing specialized care with multidisciplinary team for breast health awareness and early detection.
• Programa Para Siempre Palliative care program providing multidisciplinary accompaniment (palliative specialists, physicians, nurses, psychologists, social workers) to patients and families for improved quality of life at physical, mental, and spiritual levels.
• Bono PAC Fixed-fee payment system for supplementary plan services including direct-access specialist consultations ($25,700 COP), diagnostic imaging ($38,800 COP), home medical care ($19,400 COP), and home dental emergencies, adjusted annually per Ministry guidelines.
• Vacunación Domiciliaria PAC Home vaccination service offering PAI (Expanded Immunization Program) vaccines covered by PBS at preferential rates, plus commercial vaccine discounts.
• Ficho Preferencial PAC Preferred queue service for supplementary plan members providing priority access at healthcare facilities within IPS network.

Segments7 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

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Grupo SuracoreOthersParent company and brand umbrella for EPS SURA. Grupo Sura is a major Colombian financial holding company (NYSE: GXSUR) with subsidiaries in insurance, health services, risk management, and asset management across Latin America. EPS SURA operates as part of the Suramericana business unit under the Grupo Sura conglomerate.
• Seguros SURAcoreStrategic or Co-development PartnerGeneral insurance company within the SURA Group offering property, casualty, life, and other insurance products. Shared brand, cross-selling opportunities, and integrated customer experience for SURA ecosystem members.
• ARL SURA (Administradora de Riesgos Laborales)coreStrategic or Co-development PartnerOccupational health and safety risk management company within the SURA Group providing workers compensation and workplace safety insurance for Colombian employers. Shared service ecosystem with EPS SURA for comprehensive employee health coverage.
• Dinámica IPS (Ayudas Diagnósticas)coreStrategic or Co-development PartnerDiagnostic services company within the SURA Group providing clinical laboratory and diagnostic imaging services. Preferred diagnostic provider for EPS SURA members with integrated service delivery and scheduling.
• Servicios de Salud IPS Suramericana S.A.coreStrategic or Co-development PartnerHealthcare services IPS (Institución Prestadora de Servicios) within the SURA Group providing direct healthcare services including maternal health units, pediatric care, and general medical services. Copyright holder for urgent care digital health content.
• ColsubsidiominorGTM or Marketing PartnerCommercial alliance with Colsubsidio for additional benefits and services for Plan Complementario members. Includes discounts on complementary health and wellness services at IPS locations.
• Enlace OperativocoreTechnology or IntegrationPreferred PILA (Planilla Integrada de Liquidación de Aportes) information operator partner for social security payment processing. Enables employers and independent workers to calculate and submit required health, pension, and risk contributions through electronic platform.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sanitas / Colsanitas (EPS Sanitas Colombia): One of the largest private EPSs in Colombia, offering Contributivo and Subsidiado regimes plus voluntary plans (Plan Preferencial, Plan Vital). Direct head-to-head competitor to EPS SURA in the Colombian health insurance market with similar digital service capabilities and supplementary plan structures.
• Nueva EPS: State-owned Colombian EPS formed from the liquidation of Saludcoop, now the largest single EPS by affiliates. Directly competes with EPS SURA for Contributivo and Subsidiado enrollment, and shapes the competitive landscape for member mobility between regimes.
• Compensar EPS: Colombian EPS operated by Compensar Caja de Compensación, offering Contributivo and Subsidiado coverage plus supplementary health plans. Comparable to EPS SURA in target segments, family coverage positioning, and integrated compensation-fund service model.
• Famisanar EPS: Colombian EPS affiliated with Cafam and Colsubsidio compensation funds, serving Contributivo and Subsidiado regimes. Directly competes with EPS SURA in the Bogotá region and shares the Caja-based member ecosystem structure.
• Coomeva EPS: Colombian cooperative EPS offering Contributivo and Subsidiado coverage with supplementary health plans. Comparable to EPS SURA as a multi-tier health insurer serving both regulated and voluntary populations in major Colombian cities.
• Salud Total EPS: Colombian EPS with strong presence in Bogotá and northern Colombia, offering Contributivo and Subsidiado regimes. Direct competitor to EPS SURA in member acquisition, particularly among independent workers and employer-sponsored enrollment.
• Aliansalud EPS: Colombian EPS operating Contributivo and voluntary plans, with emphasis on preventive care and chronic disease management. Comparable to EPS SURA in mid-tier positioning and supplementary plan design.

Broad incumbents

• Sura (Seguros Generales Suramericana): Affiliate within the Sura Group providing general (P&C) and life insurance. Not a direct EPS competitor but a closely-related offering within the same integrated Sura ecosystem, sharing brand, customers, and digital platforms with EPS SURA.
• Humana Inc. Large US health insurer and managed care company offering Medicare Advantage, employer plans, and specialty products. Comparable as a broad incumbent in the managed care space with mature digital health and care management capabilities analogous to EPS SURA's platform.

Others

• Dinámica IPS (Sura Group): Affiliate diagnostic services provider within the Sura Group, offering clinical laboratory and diagnostic imaging services to EPS SURA affiliates. Adjacent rather than competitive — represents the integrated care delivery model that distinguishes the Sura ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/epssura
• Facebookfacebook.com/epssura
• Xx.com/epssura
• LinkedInlinkedin.com/company/eps-sura.

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries8 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 EPS SURA