Mutual Jerárquicos

What Mutual Jerárquicos does

Mutual Jerárquicos (Asociación Mutual del Personal Jerárquico de Bancos Oficiales Nacionales) is an Argentine mutual association headquartered in Santa Fe that delivers tiered health plans and a portfolio of mutual aid services to its 267,460 socios. Its core offering consists of two plan families — the PMI line (PMI, PMI 2000, PMI 2886, PMI 3000, and retiree/single/monotributo variants) and the JS line (Conecta, Avanza, Impulsa, Elite) — distributed through a national network of 13 physical offices, 12,125 affiliated medical centers, and 37,327 doctors. While the founding constituency is jerárquico (managerial) personnel of Argentina's official national banks and their families, the mutual has extended coverage to monotributistas, retirees, and single-member households through dedicated plan tiers.

The underlying technology stack is a member-facing digital platform composed of the Jerárquicos Móvil native mobile app (iOS/Android), a member web portal (gestiones.jerarquicos.com), a telemedicine service running on the external SFS Turnero scheduling system, the MisRx electronic prescription integration (compliant with decree 345/2024), and the Mi Carpeta Médica personal health document repository. Additional modules include the Cartilla de Prestadores provider directory, Prácticas Liberadas pre-authorization lookup, QR-based payments via Tarjeta Jerárquicos, and the Servicio de Ortopedia y Pedigrafía Digitalizada for foot-pressure imaging and orthotic insole design. The organization is registered with Argentina's Superintendencia de Servicios de Salud (R.N.E.M.P. Nº 3-1014-9 and R.N.O.S. Nº 0-0320-7), holds IRAM quality certification, and is listed in the AAIP data protection registry.

The revenue model combines recurring monthly health plan subscriptions and coseguros (co-pays) across the PMI and JS tiers with transaction-based revenue from Tarjeta Jerárquicos QR payments at affiliated merchants, pharmacy network discounts (Red de Farmacias offering up to 60% off medications), orthopedic and custom insole sales, tourism packages (Turismo Jerárquicos), home goods (Tienda Hogar), online financial aid (Ayudas Económicas), and the Fundación Jerárquicos Educa educational foundation. The go-to-market motion is direct-to-consumer via the "Quiero ser Socio" online funnel, supplemented by face-to-face onboarding across the regional branch network, WhatsApp Business (342 4504800) for remote enrollment, and channel partnerships with pharmacy and provider networks that extend the mutual's physical and digital touchpoints.

Name

Mutual Jerárquicos

Legal name

Asociación Mutual del Personal Jerárquico de Bancos Oficiales Nacionales

Website

https://jerarquicos.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

Mutual Jerárquicos is an Argentine mutual association headquartered in Santa Fe that provides tiered health plans (PMI and JS families), telemedicine, pharmacy, and complementary mutual services to 267,460 socios, primarily jerárquico personnel of national banks and their families.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance

NAICS

Pharmacies and Drug Retailers (456110), Pharmacies and Drug Retailers (45611)

SIC

Retail-Drug Stores And Proprietary Stores (5912)

akta.pro primary industry

Retail & Community Pharmacies (Chain/Independent) (HLAFALAA)

Keywords

• Mutual health plans
• Prepaid health insurance
• Telemedicine services
• Pharmacy network
• Member mutual services

Headquarters

HQ city

Santa Fe

HQ country

Argentina

HQ region

Latin America

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health plan membership subscriptions: Recurring dues and contributions paid by socios (titulares, familiares, monotributistas, jubilados) for access to PMI and JS (Conecta, Avanza, Impulsa, Elite) health plan tiers, with Coseguros (co-pays) applied on certain services per published index.
2. Mutual services fees (Tarjeta Jerárquicos, Turismo, Ayudas Económicas, Tienda Hogar, Farmacias): Revenue from value-added mutual services: QR-based purchases at affiliated merchants via Tarjeta Jerárquicos, travel packages (Turismo Jerárquicos), online financial aid with financing (Ayudas Económicas), home goods store (Tienda Hogar Jerárquicos), and pharmacy network discounts.
3. Orthopedic and pedigraphy product sales: Sale of orthopedic items (national and international brands) and custom orthotic insoles made via the Pedigrafía Digitalizada system at the in-house ortopedia and partner pharmacies.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels7 records

Core offering

Mutual Jerárquicos is an Argentine member-owned mutual association that sells tiered prepaid health plans (PMI family and JS family: Conecta, Avanza, Impulsa, Elite) to jerárquico (managerial) personnel of national official banks and affiliated individuals, granting access to a national network of 12,125 medical centers and 37,327 doctors. The plans are delivered and serviced through the Jerárquicos Móvil mobile app, the member web portal, a telemedicine platform, an electronic prescription system (MisRx), a QR-based Tarjeta Jerárquicos payment card and an affiliated pharmacy network offering up to 60% off medications.

Product overview

Mutual Jerárquicos is a single Argentine mutual (Asociación Mutual del Personal Jerárquico de Bancos Oficiales Nacionales) that combines one core offering — tiered health plans (Planes de Salud) grouped in the PMI family and the JS family (Conecta, Avanza, Impulsa, Elite) — with a portfolio of member-facing modules and sub-brands. The architecture is platform-plus-modules: a member portal and the Jerárquicos Móvil mobile app (Android/iOS) act as the digital front door, hosting Prácticas Liberadas, Cartilla de Prestadores, Mi Carpeta Médica, Recetas Electrónicas (integrated with the MisRx platform), Ayudas Económicas online, the Tarjeta Jerárquicos QR-payments flow and a Comercios search. On top of that, Telemedicina Jerárquicos delivers remote consultations (specialties such as Clínica Médica, Pediatría, Nutrición, Psicología, Psicología Infantil, Neumonología Pediátrica, Gastroenterología) via the external SFS2TurnoAfiliado turnero. Beyond digital services, the mutual runs in-person offerings — Red de Farmacias, Servicio de Ortopedia y Pedigrafía Digitalizada, Turismo Jerárquicos, Tienda Hogar Jerárquicos and Fundación Jerárquicos Educa — together with a certified IRAM-based Sistema de Gestión de Calidad that underpins the whole operation.

Differentiator

Problem solved

Functional benefit

Brands

• Jerárquicos Móvil: Official mobile application of the mutual for member self-service and telemedicine access.
• Tarjeta Jerárquicos
• Turismo Jerárquicos
• Fundación Jerárquicos Educa

Products and services

• Planes de Salud (Health Plans: PMI family and JS Conecta/Avanza/Impulsa/Élite family)
• Telemedicina Jerárquicos
• Servicio de Ortopedia y Pedigrafía Digitalizada
• Tarjeta Jerárquicos (QR payment card and affiliated merchant network)
• Ayudas Económicas (Online Financial Aid)
• Turismo Jerárquicos
• Tienda Hogar Jerárquicos
• Red de Farmacias Jerárquicos

Quantifiable outcome

• More than 1,000 medical practices do not require prior authorization
• +2 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature7 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Sanatorio Santa Fe (sfssa.com.ar turnero)coreTechnology or IntegrationTelemedicine appointment booking is powered by the SFS Turnero system hosted at online.sfssa.com.ar, used by members to select specialty, professional, day, and time. The integration enables video consultations and electronic prescription issuance via MisRx.
• MisRx (Electronic Prescription platform)coreTechnology or IntegrationMisRx is the electronic prescription platform adopted in compliance with Argentina's decree 345/2024, used by Telemedicina doctors to issue prescriptions and studies, and surfaced to members in the Jerárquicos Móvil app.
• Fundación Jerárquicos EducacoreStrategic or Co-development PartnerAssociated foundation (fundacionjerarquicos.org.ar) listed as one of the mutual's "Servicios Mutuales", extending the Jerárquicos ecosystem with educational and community programs for members.
• Turismo Jerárquicos (jerarquicos.tur.ar)coreStrategic or Co-development PartnerOwned travel service offering packages, flights, and accompanied trips as a "Servicio Mutual" benefit for socios.
• Tienda Hogar Jerárquicos (tiendahogarjerarquicos.com.ar)coreStrategic or Co-development PartnerOwned home goods store microsite surfacing the "Tienda Hogar Jerárquicos" benefit as a "Servicio Mutual" for members.
• Farmacia Mutual (Santa Fe)coreChannel Partner/ Reseller/ DistributorAffiliated pharmacy at Avda. Fdo. Zuviría 4536, Santa Fe Capital (tel. (0342) 4504820) hosting the Pedigrafía Digitalizada system for orthotic insole production.
• Farmacia Concari (Rosario)coreChannel Partner/ Reseller/ DistributorAffiliated pharmacy at 9 de Julio 764, Rosario (tel. (0341) 4240517) participating in the Pedigrafía Digitalizada network.
• Farmacia Toia Aleman (Las Rosas, Santa Fe)minorChannel Partner/ Reseller/ DistributorAffiliated pharmacy at Lavalle 310, Las Rosas (tel. (03471) 453412) in the Pedigrafía Digitalizada network.
• Farmacia Mutual Bancaria II (Gualeguaychú, Entre Ríos)minorChannel Partner/ Reseller/ DistributorAffiliated pharmacy at Luis N. Palma 848, Gualeguaychú (tel. (03446) 433159) in the Pedigrafía Digitalizada network.
• Farmacia Martínez (Adela María, Córdoba)minorChannel Partner/ Reseller/ DistributorAffiliated pharmacy at Av. San Martín 251, Adela María (tel. (03585) 421293) in the Pedigrafía Digitalizada network.
• Farmacia Paula (Apóstoles, Misiones)minorChannel Partner/ Reseller/ DistributorAffiliated pharmacy at Belgrano 966, Apóstoles (tel. (03758) 422260) in the Pedigrafía Digitalizada network.
• jssoftcoreTechnology or IntegrationSoftware partner (jssoft branding appears in the member portal footer) responsible for development and maintenance of the Jerárquicos member-facing web platform and integrations.
• IRAM (Instituto Argentino de Normalización y Certificación)coreOthersStandards and certification body that audits and certifies the mutual's quality management system, with the IRAM logo displayed on the site and member portal.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Swiss Medical Group: Major Argentine prepaid health plan with multiple plan tiers, owned clinics, and a digital member app. Comparable to Mutual Jerárquicos in tiered health plan architecture, digital self-service stack, and national provider footprint.
• Galeno: Argentine prepaid health plan offering tiered plans (Galeno 220, 330, 440, etc.), a member app, and a national provider network. Directly competes with Mutual Jerárquicos' PMI and JS plan tiers for the same white-collar and family segments.
• Sancor Salud: Cooperativa-origin prepaid health plan with multiple tiers and national coverage. Closely comparable to Mutual Jerárquicos in mutual/cooperative ownership model, tiered plan architecture, and Argentina-wide provider network.
• Unión Personal: Argentine obra social for unionized private-sector employees, offering tiered coverage and digital services. Comparable to Mutual Jerárquicos in member-based health plan structure and regulatory oversight under SSSalud.
• Medicus: Buenos Aires–anchored prepaid health plan with tiered plans, mobile app, and digital authorizations. Comparable to Mutual Jerárquicos in plan-tier structure, digital member services, and reliance on an affiliated provider network.
• Accord Salud: Argentine prepaid health plan with tiered offerings and national provider network. Comparable to Mutual Jerárquicos in product architecture, target segments (formal-sector workers, families), and digital member services.
• Hospital Italiano de Buenos Aires (Plan de Salud): Hospital-integrated prepaid health plan with member portal, app, and digital authorizations. Comparable to Mutual Jerárquicos in tiered plans, digital self-service, and integrated care delivery through an owned/affiliated provider ecosystem.
• OSDE: Argentina's largest prepaid health plan / obra social with multi-tier plans and national provider networks. Directly comparable to Mutual Jerárquicos' PMI/JS plan families in product, target customer (broad population of formal-sector workers and families), and Argentina-wide distribution model.

Regional players

• IOSFA (Instituto de Obra Social de las Fuerzas Armadas): Argentine obra social for armed forces personnel and families. Analogous to Mutual Jerárquicos' closed-membership-for-a-specific-employment-base model (bank jerárquicos vs. armed forces) and tiered plan architecture.

Broad incumbents

• Prevención Salud: Prepaid health plan from Grupo Prevención ART, broader occupational risk and health ecosystem. Comparable to Mutual Jerárquicos' mutual-services portfolio (health + ancillary benefits), though primarily serving the employee-benefits channel rather than DTC mutual membership.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xinstagram.com/jerarquicossaludoficial
• YouTubeyoutube.com/c/MutualJerárquicosSalud
• Facebookfacebook.com/centrodeportivojerarquicos
• LinkedInlinkedin.com/company/jerarquicos-salud
• Instagraminstagram.com/jerarquicossaludoficial

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 Mutual Jerárquicos