Plan Vital
Plan Vital S.A. is an Ecuadorian prepaid health insurer, founded in 1991, serving 22,000+ affiliates in Guayaquil and Quito through Individual, Pool, and Corporate plans and a network of 750+ medical providers, with add-on benefits in dental, vision, stem cell, and exequial coverage.
- Company typePrivate
- Founded1991
- HeadquartersGuayaquil, Ecuador
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Plan Vital does
Plan Vital S.A. is an Ecuadorian prepaid health insurance company founded in 1991 and headquartered in Guayaquil, with a secondary office in Quito. The company sells subscription-based health coverage to 22,000+ affiliates through three plan tiers — Individual, Pool (5+ members), and Corporate — and routes care through a network of 750+ medical providers, including named preferred partners MediLink, MediGlobal, and Praxmed. The core product is a prepaid health plan with monthly payments and defined provider access, augmented by an add-on benefits ecosystem covering dental, vision, stem cell storage, exequial (funeral) services, and Tarifa Cero (zero co-pay) coverage.
The business model is a subscription / prepaid premium model: affiliates pay recurring contributions in exchange for access to a defined provider network, with the company bearing utilization risk against its premium pool. Distribution operates through three channels: direct digital (web and mobile), brokers, and corporate accounts, with marketing presence extended to short-form social platforms including TikTok to reach younger individual buyers. The company is privately held, has operated continuously for 34+ years without disclosed external funding, and runs a relatively lean operation of 11–50 employees.
The product surface is essentially a managed network of providers plus an admin/billing layer; no AI, predictive analytics, or proprietary technology stack is disclosed. Competitive positioning rests on brand longevity, provider network breadth in the Ecuadorian market, and the diversified add-on portfolio — rather than on technology differentiation. The addressable market is constrained to Ecuador, and no geographic expansion signals are present in the available data.
Plan Vital firmographics
Firmographics- Name
- Plan Vital
- Legal name
- Plan Vital S.A.
- Website
- https://planvital.ec
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Plan Vital S.A. is an Ecuadorian prepaid health insurer, founded in 1991, serving 22,000+ affiliates in Guayaquil and Quito through Individual, Pool, and Corporate plans and a network of 750+ medical providers, with add-on benefits in dental, vision, stem cell, and exequial coverage.
- Ownership category
- akta.pro rank
Plan Vital industry classification
Industry- Product category
- Prepaid Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)
- akta.pro secondary industries
- Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
Keywords
Where Plan Vital is headquartered
LocationHeadquarters
- HQ city
- Guayaquil
- HQ country
- Ecuador
- HQ region
- Latin America
Offices2 records
Markets served
Plan Vital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Prepaid Health Insurance Premiums: Plan Vital generates revenue through monthly or annual premium payments from individuals, families, and corporate clients for prepaid health insurance coverage. They offer more than 6 different plans with varying coverage levels, deductibles, and copayments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Individual Plans - for personal coverage |
| Subscription | Annual | Pool Plans - for small businesses or large families (5+ members) |
| Subscription | Annual | Corporate Plans - customized business solutions |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels9 records
Plan Vital product offering
Product offeringCore offering
Plan Vital S.A. is an Ecuadorian prepaid health insurance company that sells medicina prepagada plans to individuals, family pools, and corporate clients. Members pay recurring premiums in exchange for access to a national network of 750+ medical providers and associated healthcare services. The company supports online enrollment and digital plan administration for both individual and group accounts.
Product overview
Plan Vital is a prepaid health insurance (medicina prepagada) company based in Ecuador with over 34 years of experience in the market. Founded in 1991, the company operates a platform of prepaid medical plans organized into three main distribution channels: Individual Plans for personal coverage, Pool Plans for families and small businesses (from 5 members onward), and Corporate Plans customized for larger enterprises. The company also offers more than 6 distinct plan types. Beyond core insurance coverage, the portfolio extends to supplementary benefits including a dental benefit, exequial (funeral) services, a stem cell bank discount, vision care benefits, laboratory discounts, and a Tarifa Cero (zero-tariff) primary care benefit. Plan Vital also operates an online quote and enrollment system (cotizador) and a member portal (Mi Cuenta). The company serves more than 22,000 affiliates and maintains a network of over 750 medical providers.
Differentiator
Problem solved
Functional benefit
Products and services
- Individual Health Plan (Plan Individual)
- Pool/Family Health Plan (Plan Pool)
- Corporate Health Plan (Plan Corporativo)
Quantifiable outcome
- 34+ years of experience in prepaid medicine market since 1991
- +2 more outcomes
Companies that use Plan Vital
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Plan Vital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Plan Vital partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, preferred and minor.
- Hospital AlcívarcoreIn-network hospital providing medical services to Plan Vital affiliates. Part of the provider network offering coverage to members.
- Solca (Sociedad de Lucha Contra el Cáncer)coreIn-network oncology center providing cancer treatment services to Plan Vital affiliates.
- Hospital MetropolitanocoreIn-network hospital in the Plan Vital provider network.
- Hospital VallescoreIn-network hospital in the Plan Vital provider network.
- Hospital VozandescoreIn-network hospital in the Plan Vital provider network.
- Hospital San FranciscocoreIn-network hospital in the Plan Vital provider network.
- Clínica City MedicalcoreIn-network clinic in the Plan Vital provider network.
- ProvidacoreIn-network healthcare provider in the Plan Vital network.
- MediLinkpreferredPreferred provider network offering exclusive rates to Plan Vital affiliates. Also offers Tarifa Cero (zero tariff) coverage for primary care services.
- MediGlobalpreferredPreferred provider network offering exclusive discounted rates to Plan Vital affiliates. Provides 20% family discounts on consultations, imaging, and laboratory services.
- PraxmedpreferredPreferred provider network offering exclusive rates to Plan Vital affiliates.
- Banco de Células Madre - CelalcívarminorStem cell banking service offering 20% discount exclusively to Plan Vital affiliates.
- Laboratorio Clínico AlcívarminorClinical laboratory offering 20% discount on laboratory tests for Plan Vital affiliates.
- Punto VisualminorVision care provider offering 30% discount for seniors, 50% off on glasses repairs, 20% off on lenses, birthday specials, 1-year warranty on frames, and optometric checkups for Plan Vital affiliates.
- InterlabminorClinical laboratory offering 15% discount for cash payments and 5% discount during emergency hours (Mon-Fri 20:01-05:59, Sat 15:01-05:59, Sundays/holidays 24 hours) for Plan Vital affiliates.
- Jardines del ValleminorFuneral services provider offering legal procedures, 24-hour viewing rooms nationwide, embalming, metal casket, 3 flower arrangements, cemetery space for 4 years or cremation with urn and columbary for 4 years to Plan Vital affiliates.
Scale indicators4 records
Recent moves5 records
Expansion highlights4 records
Plan Vital competitors and assessment
Company assessmentDirect peers
- Saludsa: One of Ecuador's largest prepaid health insurance companies, offering individual, family, and corporate plans with a hospital-affiliated network. Directly competes with Plan Vital on the same product, pricing, and customer segments in Ecuador.
- Confiamed: Ecuadorian prepaid health plan provider serving individuals and corporate clients. Competes head-to-head with Plan Vital in the same medicina prepagada category in Ecuador.
- Ecuasanitas: Ecuadorian prepaid medicine company that offers health plans to individuals and corporates through its own provider network. Highly comparable to Plan Vital in product structure, territory, and target customer.
- Humana (Ecuador): Ecuadorian health insurance carrier offering individual and corporate plans through a provider network. Directly overlaps with Plan Vital's core offering and customer base.
Regional players
- Pan American Life Insurance Group: U.S.-headquartered life and health insurer with strong Latin American footprint, including Ecuador. Regional incumbent with greater scale and reinsurance capacity than Plan Vital.
- Aseguradora del Sur: Ecuadorian insurer with a multi-line portfolio including health. Operates in the same regulatory and geographic market as Plan Vital but with broader insurance offerings.
Broad incumbents
- Mapfre Ecuador: Ecuadorian subsidiary of Spain's Mapfre, offering a broad portfolio including health, life, and auto insurance. Competes with Plan Vital in health but with significantly larger capital, brand, and product breadth.
- Sanitas Ecuador: Subsidiary of Spain's Sanitas (part of Bupa) operating in Ecuador with health insurance and provider services. Broader portfolio and global parent backing make it a larger competitor to Plan Vital.
- Bupa Ecuador: Ecuadorian arm of Bupa, the global health insurance group. Overlaps with Plan Vital on individual and corporate health plans but with deeper international network and brand.
Others
- MediLink: Preferred provider network partner of Plan Vital offering Tarifa Cero primary care coverage. Comparable as an adjacent ecosystem participant in Ecuador's prepaid health value chain.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Plan Vital social profiles
Digital presencePlan Vital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Plan Vital leadership team
Management profileNumber of profiles
Profiles1 record
Plan Vital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Plan Vital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Plan Vital
What does Plan Vital do?
Plan Vital S.A. is an Ecuadorian prepaid health insurance company that sells medicina prepagada plans to individuals, family pools, and corporate clients. Members pay recurring premiums in exchange for access to a national network of 750+ medical providers and associated healthcare services. The company supports online enrollment and digital plan administration for both individual and group accounts.
Is Plan Vital a public or private company?
Plan Vital is a private company. It is classified as unknown and is currently operating.
When was Plan Vital founded?
Plan Vital was founded in 1991. It employs 11 to 50 people.
Where is Plan Vital based?
Plan Vital is headquartered in Guayaquil, Ecuador, in the Latin America region.
How does Plan Vital make money?
One revenue line is on record: prepaid Health Insurance Premiums.
Who are Plan Vital's main competitors?
Direct peers on record are Saludsa, Confiamed, Ecuasanitas and Humana (Ecuador). Regional players are Pan American Life Insurance Group and Aseguradora del Sur. Broad incumbents are Mapfre Ecuador, Sanitas Ecuador and Bupa Ecuador. MediLink is listed as an others.
Does Plan Vital have an API?
No public API is recorded for Plan Vital.
What industry is Plan Vital in?
Plan Vital's product category is Prepaid Health Insurance. Its primary akta.pro industry code is FSAIAEAK, Individual Health Insurance Administration (TPA/ASO), with a secondary code of FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts). Its NAICS code is 524114 and its SIC code is 6321.