Plan Seguro

What Plan Seguro does

Plan Seguro, S.A. de C.V. Compañía de Seguros is a privately held Mexican insurance company founded in 1994, headquartered in Mexico City (Álvaro Obregón borough), and operating as a pure-play health insurer — branded "La Primera Aseguradora Especializada en Salud" (The First Health Insurance Specialist). The company sells a tiered portfolio of health plans covering individuals and families (Primer Nivel, Óptimo, Óptimo Plus, Avanzado, Intermedio, Esencial, Golden Salud, Salud Más, Línea Básica) and customizable corporate/SME plans (Plan Único Empresarial, Salud Empresarial), with multi-year subscription contracts and pricing denominated in UMAM (Unidad de Medida y Actualización Mensual). Coverage spans hospitalization, surgeries, specialist consultations, preventive studies, dental, vision, mental health, ambulance, international emergency, and funerary services, with multi-year contract billing cycles.

Underlying technology includes an AI-powered facial biometrics module (Biometría Facial) for in-app health risk assessment, an unlimited 24/7 video consultation platform with general physicians, nutritionists, and psychologists, and a multi-portal digital ecosystem — Insured Portal, Agent Virtual Office, Medical Portal, Mi Plan Seguro mobile app, and the Plan Seguro ContiGo digital service platform. The company is supported by a partner ecosystem including Dentalia (65+ dental clinics), AllyFarma (medication delivery), and Anemex (funerary services), alongside a contracted provider network of 4,500+ doctors, 500+ hospitals, and 65+ medical coordinators across 16 national offices plus regional sales centers in Guadalajara and Monterrey.

The go-to-market model is hybrid: a contracted agent network drives bottom-of-funnel sales, regional sales executives serve enterprise clients in western and northeastern Mexico, and digital self-service portals plus a 24/7 phone line and WhatsApp contact (with AI assistant Liza) handle mid- and top-of-funnel activity. All products are registered with CNSF (Comisión Nacional de Seguros y Fianzas) and CONDUSEF, and the company has published annual financial reports continuously since 2010.

Name

Plan Seguro

Legal name

Plan Seguro, S.A. de C.V. Compañía de Seguros

Website

https://planseguro.com.mx

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Short description

Plan Seguro is a privately held Mexican pure-play health insurer founded in 1994, offering tiered individual, family, and SME/corporate health plans across 16 offices, supported by a 4,500+ doctor and 500+ hospital provider network and a digital ecosystem spanning app, portals, and AI-assisted wellness tools.

Ownership category

akta.pro rank

Headquarters

HQ city

Benito Juarez

HQ country

Mexico

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Plan Seguro generates revenue through recurring insurance premiums charged to individuals and corporations for health insurance coverage. Plans include various tiers (Primer Nivel, Óptimo Plus, Óptimo, Avanzado, Intermedio, Esencial, and Enterprise plans) with different coverage levels and pricing parameters based on sum insured, deductibles, and co-insurance.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Plan Seguro is a Mexican health insurance carrier that underwrites and services a tiered portfolio of individual and corporate medical expense plans (Primer Nivel, Óptimo, Óptimo Plus, Avanzado, Intermedio, Esencial, Único Empresarial, Golden Salud, Salud Más, Línea Básica, Salud Empresarial). Coverage includes hospitalization, surgeries, preventive studies, dental, vision, mental health, ambulance, international emergency, and funerary benefits, with add-on wellness services such as AI-powered facial biometrics and unlimited video consultations.

Product overview

Plan Seguro operates as a health insurance company offering a comprehensive portfolio of individual and corporate health plans, ranging from essential coverage to premium comprehensive packages. The core product line includes seven tiered health plans (Primer Nivel, Óptimo Plus, Óptimo, Avanzado, Intermedio, Esencial, and Único Empresarial) designed for different coverage needs and budgets, supplemented by specialized offerings like Golden Salud, Salud Más, and Línea Básica. The company differentiates through integrated wellness benefits including AI-powered facial biometrics (Biometría Facial), unlimited videoconsultations, dental services via Dentalia partnership, pharmacy delivery through AllyFarma, and funerary services via Anemex. For corporate clients, Salud Empresarial provides customizable group health coverage. All plans include preventive care programs and digital access through the Mi Plan Seguro mobile app and Plan Seguro ContiGo digital ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Plan Seguro Óptimo Plus: Comprehensive health plan with the most complete prevention and protection offering, including childbirth coverage up to $60,625.74, complications of pregnancy, and rehabilitation services.
• Plan Seguro Óptimo
• Plan Seguro Avanzado
• Plan Seguro Intermedio
• Plan Seguro Esencial
• Plan Seguro Primer Nivel
• Plan Seguro Único Empresarial
• Salud Empresarial
• Golden Salud
• Salud Más
• Línea Básica
• Plan Seguro ContiGo

Products and services

• Plan Seguro Primer Nivel Accessible individual health insurance covering minor medical expenses including general consultations, dental care, video consultations, and emergency ambulance services, with national and international coverage and no medical examination required.
• Plan Seguro Óptimo Plus Comprehensive individual health insurance plan offering complete prevention and protection, including childbirth coverage, complications of pregnancy, rehabilitation, vision care, and an option for unlimited insured sum with no age limit.
• Plan Seguro Óptimo Mid-tier individual health plan focused on preventive studies and health monitoring with robotic surgery coverage, alternative medicine benefits, and cataract treatment.
• Plan Seguro Avanzado Health plan providing specialist physician consultations with 50% co-insurance, laboratory studies, hospital expense coverage for diseases and accidents, refractive surgery, and osteoporosis treatment.
• Plan Seguro Intermedio Health insurance providing broad financial protection against illness or accident with coverage up to $89,155,500.00 MXN and age limit of 64 years to contract.
• Plan Seguro Esencial Essential health insurance plan providing financial support for accidents or illnesses with insured sum from $713,244 to $89,155,500 MXN and age limit of 69 years to contract.
• Plan Seguro Único Empresarial Customizable corporate health plan for companies to protect their employees with benefits including video consultations, dental care, funerary services, and flexible parameters for insured sum, deductible, and co-insurance; minimum 10–15 employees required.
• Golden Salud Premium health insurance combining major medical expense coverage with outpatient medicine, specialist consultations with 50% co-insurance, and additional coverages including cancer indemnification and international emergency services.
• Salud Más Health-focused insurance plan emphasizing wellbeing, offering outpatient specialist consultations, radiotherapy and chemotherapy treatments, and dental care coverage.
• Línea Básica Basic major medical insurance covering oxygen consumption, home nursing, medications, prosthetics, rehabilitation, and transfusions, which can be complemented with additional coverages.
• Salud Empresarial Corporate health plan for organizations covering preventive medicine campaigns for cancer, diabetes, dyslipidemia, heart disease, and prostate cancer, plus curative medicine with 30% co-insurance for consultations and studies.

Quantifiable outcome

• Facial biometrics can assess cardiovascular, cerebral infarction, and heart attack risk in 30 seconds
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• DentaliacoreStrategic or Co-development PartnerDentalia is a dental service provider partnership offering Plan Seguro customers access to 65+ dental clinics across Mexico. Provides covered dental services including check-ups, cleanings, and X-rays, with packages available from basic to comprehensive dental coverage.
• AllyFarmaminorStrategic or Co-development PartnerAllyFarma partnership provides medication delivery services to Plan Seguro customers, enabling home delivery of prescribed medications for added convenience.
• AnemexcoreStrategic or Co-development PartnerAnemex provides funeral and death care services for Plan Seguro customers, including payment, advice, management, and coordination services in the event of a death, covering orientation, body rescue and transfer, coffin and viewing, and administrative procedures.
• Medical Provider NetworkcoreOthersExtensive network of 4,500+ contracted doctors and 500+ hospitals and medical providers across Mexico, enabling cashless treatment and direct payment services for insured members.
• Buro de Entidades FinancierasminorOthersFinancial information bureau providing transparency about Plan Seguro's performance, services, and user complaints as part of regulatory compliance with CONDUSEF.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Bupa México: Mexico operation of Bupa, the global health-insurance specialist. Comparable to Plan Seguro as a health-only specialist, but with international/expat positioning, broader provider networks, and global brand recognition rather than domestic scale.
• Sura México: Mexican subsidiary of Latin American financial group Sura focused on insurance and pensions with growing health-insurance offerings. Comparable to Plan Seguro as a Mexican health-insurance competitor, though with a broader financial-services orientation and parent backing.

Broad incumbents

• MetLife México: Large multi-line Mexican insurer with strong group and individual health offerings. Comparable to Plan Seguro in selling health policies via agent networks and corporate channels, but with global resources, broader portfolio, and greater cross-sell capacity.
• Seguros Monterrey (New York Life): Long-established Mexican insurer jointly with New York Life, offering life and health coverage to individuals and corporates. Comparable to Plan Seguro in the Mexican individual/group health-insurance market with strong distribution and corporate presence.
• Mapfre México: Spanish-headquartered multi-line insurer operating in Mexico with health, auto, and life products. Comparable to Plan Seguro as a competitor in Mexican individual/group health, while having a broader product mix and deeper international reinsurance backing.
• AXA México: One of Mexico's largest multi-line insurers offering health, life, auto, and P&C. Comparable as a competitor to Plan Seguro in individual and group health plans but operates a much broader product portfolio with cross-sell leverage and global brand strength.
• Zurich Seguros México: Mexican subsidiary of Zurich Insurance Group offering health, life, and P&C products. Competes with Plan Seguro in the same individual and corporate health-insurance segment, but operates a wider portfolio and benefits from global reinsurance and brand recognition.
• BBVA Seguros México: Captive insurer of BBVA México offering life and health products to retail and corporate clients. Comparable to Plan Seguro in Mexican individual/group health, with the advantage of banking-channel distribution and substantial marketing budgets.
• Inbursa Seguros: Mexican financial conglomerate offering insurance, banking, and brokerage with health-insurance products. Comparable to Plan Seguro as a Mexican health-insurance seller, with significant capital backing and ability to bundle insurance with banking products.

Direct peers

• Grupo Nacional Provincial (GNP): Mexico's largest domestic health-and-life insurer, headquartered in Mexico City. Directly comparable as a Mexican specialist offering individual, family, and group major-medical-expense plans through agent networks — the closest scale competitor to Plan Seguro's product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/planseguromx
• YouTubeyoutube.com/@planseguro7677
• Facebookfacebook.com/planseguromx
• LinkedInlinkedin.com/company/plan-seguro-mexico
• Instagraminstagram.com/planseguromx

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Plan Seguro