ASPURC

What ASPURC does

ASPURC (Acción Social del Personal de la Universidad Nacional de Río Cuarto) is a non-profit university health insurance fund founded in 1993 in Río Cuarto, Córdoba, Argentina, operating under Argentine Law 24.741 to provide health coverage to teaching and non-teaching staff, retirees, and family dependents of the Universidad Nacional de Río Cuarto (UNRC) and, since 1996, the Universidad Nacional de Villa María (UNVM). The organization markets itself as "La Obra Social de los Universitarios" and is governed by a member-elected Board of Directors.

Its core operational product is ASPURC Online (os3.aspurc.org.ar), a web-based self-service portal developed by PlumLabs that enables affiliates to manage appointments, account statements, reimbursements, credential requests, and coverage inquiries, and providers to sign in for credentialing and submission workflows. The portfolio includes medical-service coverage modules, a pharmacy plan (40–100% coverage by tier), an optical plan (20–50% on lenses and frames), special coverage plans for chronic conditions, diabetes, maternal/child health, disability, oncology, HIV, and transplants, plus a preventive-health program and member discounts on wellness services. Distribution is hybrid: owned medical consultorios, two pharmacies, and two optical shops in Río Cuarto and Villa María; a network of contracted external providers; the national COSUN reciprocity network; a Universal Assistance travel-insurance partnership; and an emergency pharmacy network (Plaza, Grassi, García Cocco, Farma Vida) for after-hours coverage.

Revenue is generated primarily through mandatory payroll contributions — a 6% employer share and 3% employee share deducted from university salaries — supplemented by voluntary adherent fees, regulated co-pays, administrative surcharges, and, as of Board Resolution RES Nº 016-2025, a temporary extraordinary contribution of ARS $10,000 per affiliate per month for January–June 2026 in response to the university health insurance sector's financial crisis. Customer acquisition is driven through university payroll deduction and institutional affiliation, with go-to-market executed via owned digital channels (website, WhatsApp, social media), direct email, in-person member assemblies, and earned media on Radio Universidad and local press. ASPURC employs 11–50 staff across its four Río Cuarto and Villa María locations.

Name

ASPURC

Legal name

Acción Social del Personal de la Universidad Nacional de Río Cuarto (ASPURC)

Website

https://aspurc.org.ar

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

ASPURC is a non-profit Argentine university health insurance fund founded in 1993, serving employees, retirees, and dependents of the Universidad Nacional de Río Cuarto and Universidad Nacional de Villa María through owned clinics, pharmacies, optical shops, and a web-based member portal.

Ownership category

akta.pro rank

Product category

University Health Insurance (Obra Social Universitaria)

NAICS

Offices of Physicians (6211), Ambulatory Health Care Services (621)

SIC

Services-Health Services (8000), Services-Specialty Outpatient Facilities, Nec (8093)

akta.pro primary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• University health insurance
• Obra social services
• Medical prepaid plans
• Pharmacy coverage plans
• Optical coverage benefits

Headquarters

HQ city

Rio Cuarto

HQ country

Argentina

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. University Payroll Deductions: ASPURC's primary revenue comes from mandatory payroll deductions: a 6% contribution from the university employer and a 3% employee contribution (as mandated by Law 24.741). Contributions are collected directly from salaries of teaching and non-teaching staff at UNRC and UNVM.
2. Voluntary Adherent Contributions: Voluntary adherent members pay a monthly fee set by the Board of Directors, providing supplemental revenue beyond mandatory payroll deductions.
3. Extraordinary Emergency Contributions: In response to financial strain, ASPURC levied a temporary extraordinary contribution of ARS $10,000 per month per affiliate for a 6-month period (January–June 2026), approved by Board Resolution RES N° 016-2025.
4. Reimbursement and Administrative Fees: Members pay regulated co-pays (copagos) for certain services at owned consultorios. Administrative surcharges apply to account current payments and certain services.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core offering

ASPURC provides non-profit health insurance coverage (obra social) to teaching, non-teaching, retiree, and family-dependent members affiliated to UNRC and UNVM under Argentine Law 24.741. Coverage includes 100%-covered medical consultations at owned consultorios in Río Cuarto and Villa María, subsidized pharmacy (40–100% per plan), optical benefits, dental, kinesiology, psychology, special plans for chronic, diabetic, maternal, infant, disability, oncology, HIV, and transplant cases, plus nationwide access through the COSUN reciprocity network. Members also use the ASPURC Online web portal for self-service, the Turnos Consultorios booking system, and preventive health programs.

Product overview

ASPURC is a university health insurance fund (Obra Social de los Universitarios) serving employees of the National Universities of Río Cuarto and Villa María. The organization operates as a health insurance/social security provider rather than a traditional technology product company. Its core offering consists of ASPURC Online, a digital self-service portal through which members access account management, medical authorizations, reimbursements, and appointment scheduling. Supporting this portal are specialized coverage modules including Cobertura Prestaciones (medical service coverage), Cobertura en Farmacia (pharmacy benefits with 40-100% coverage tiers), Cobertura en Óptica (optical coverage with 50% lens coverage), and Cobertura en el País (nationwide reciprocity coverage). The portfolio also includes Plan Discapacidad for disability services, Planes Especiales offering tiered coverage for chronic conditions, maternal/child health, obesity, and fertility, and Programas Preventivos covering cancer screening and wellness initiatives. A Descuentos Saludables program provides member discounts on wellness services. All services are delivered through ASPURC's own medical offices (Consultorios ASPURC) in Río Cuarto and Villa María, supplemented by a network of affiliated providers.

Differentiator

Problem solved

Functional benefit

Brands

• ASPURC Online: Online management system for affiliates and providers
• Consultorios ASPURC

Products and services

• ASPURC Obra Social Universitaria (University Health Insurance Plan) Core non-profit health insurance coverage providing medical, pharmacy, optical, dental, kinesiology, psychology, and specialty benefits to UNRC and UNVM teaching, non-teaching, retiree, and dependent populations, financed via payroll contributions and regulated co-pays.
• ASPURC Online Self-Service Portal Self-service web portal (os3.aspurc.org.ar) that lets ASPURC affiliates manage account statements, reimbursements, credential requests, appointment booking, and coverage inquiries, and provides a sign-in for providers and disability secretaries.
• Turnos Consultorios — Online Appointment Scheduling Web-based appointment scheduling system that lets ASPURC members reserve medical appointments across specialties at owned consultorios, integrated with the ASPURC Online portal.
• Plan Discapacidad — Disability Coverage Program Specialized disability care coverage providing 100% coverage on disability-related services at ASPURC values through a contracted provider network, governed by a procedures manual with daily attendance tracking via Excel templates.

Quantifiable outcome

• Cancer survival rate when detected early: 95% for breast cancer
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• COSUN (Consejo de Obras Sociales de Universidades Nacionales)coreStrategic or Co-development PartnerCOSUN is the national civil association that coordinates all university health insurance funds in Argentina. ASPURC is an active member. COSUN facilitates reciprocity agreements enabling ASPURC affiliates to receive medical services at any university health fund across the country. ASPURC representatives (Daniel Agüero, Omar Montoya, Cecilia Grosso) participate in COSUN assemblies and advocacy efforts.
• SUMAS (Sistema Universitario Médico Asistencial Solidario)coreStrategic or Co-development PartnerSUMAS is a civil association created by COSUN that operates a common solidarity fund for reimbursements related to organ transplants and high-complexity medical procedures. ASPURC participates in this system to provide its members with financial protection against catastrophic health events beyond standard coverage.
• UNRC (Universidad Nacional de Río Cuarto)coreStrategic or Co-development PartnerASPURC was created as an initiative of the UNRC university community in 1993 and is governed by university law (Law 24.741). The university acts as employer, remitting 6% of salaries to ASPURC, and provides administrative oversight through the Consejo Superior. ASPURC uses university facilities including the Newbery and 25 de Mayo campus SUM for health promotion activities.
• UNVM (Universidad Nacional de Villa María)coreStrategic or Co-development PartnerUNVM workers were incorporated into ASPURC's coverage starting in 1996. ASPURC maintains a branch office at Buenos Aires 1461, Villa María, to serve UNVM teaching and non-teaching staff. UNVM Campus is used for flu vaccination services.
• Universal Assistance (Seguro de Viajero)minorChannel Partner/ Reseller/ DistributorUniversal Assistance provides travel health insurance coverage for ASPURC affiliates traveling across all Argentine provinces and internationally. This is offered as a standard benefit included in membership for travelers.
• PAMI (Instituto Nacional de Servicios Sociales para Jubilados y Pensionados)minorStrategic or Co-development PartnerASPURC is exploring joint coverage arrangements with PAMI (Argentina's public pensioner health insurance) to potentially offer affiliated services to ASPURC members who also hold PAMI coverage. Discussions were underway as of October 2025.
• Farmacia Plaza, Farmacia Grassi, Farmacia García CoccominorChannel Partner/ Reseller/ DistributorEmergency pharmacy network for Río Cuarto. When ASPURC's own pharmacy is closed, these pharmacies provide 20% coverage on medications upon presentation of ASPURC credential and medical indication, with the remaining amount reimbursable through ASPURC.
• Farmacia Farma Vida (Villa María)minorChannel Partner/ Reseller/ DistributorEmergency pharmacy for Villa María. When ASPURC's own pharmacy is closed, Farmacia Farma Vida provides 20% coverage on medications with medical indication, with the remainder reimbursable through ASPURC.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Medifé: Medifé is a national Argentine prepaid health plan with owned clinics and a broad provider network. Relevant as a comparison point for employer-sponsored plan design and integrated care delivery.
• Galeno Argentina: Galeno is a major Argentine prepaid health plan with owned clinics, sanatoriums, and provider networks. A relevant benchmark for ASPURC's vertically integrated mutual model at commercial scale.
• OSDE: OSDE is one of the largest prepaid health plans (prepagas) in Argentina. Not a mutual, but competes for general population health coverage and offers a benchmark for plan design, pricing tiers, and member service scale.
• Swiss Medical Argentina: Swiss Medical is a leading Argentine private health plan and provider network. Comparable as a broad incumbent offering employer-sponsored plans, provider networks, and own-clinic capabilities at national scale.
• Apross: Apross (Administración Provincial del Seguro de Salud) is the public health insurance for Córdoba province employees, overlapping with ASPURC's provincial territory. Useful benchmark for public/employer health plan operations in the same region.

Regional players

• Federada Salud: Federada Salud is a mutual/prepaid health plan with strong regional presence in Córdoba province — the same operating geography as ASPURC — and uses owned clinics and a network model comparable to ASPURC's distribution strategy.

Direct peers

• OSUNL: Obra Social de la Universidad Nacional del Litoral covers UNL employees and is a peer within the COSUN network. Operates a similar mutual model with owned and affiliated providers in Santa Fe province.
• DOSPUBA: Dirección de Obra Social de la Universidad de Buenos Aires serves UBA's community and is the largest university obra social in Argentina by membership. Provides a useful large-scale benchmark against ASPURC's two-university model.
• DASPU: DASPU is the university health insurance fund for Universidad Nacional de Córdoba, operating under the same Argentine Law 24.741 framework as ASPURC. It is the most structurally analogous peer: nonprofit, employer-mandated, member-governed, and offering owned clinics plus a network model.
• OSUNLP: Obra Social de la Universidad Nacional de La Plata is a mutual health plan for UNLP employees and dependents. Comparable to ASPURC in legal structure, member base (university employees), and reliance on payroll contributions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/aspurc
• LinkedInlinkedin.com/company/aspurc
• Instagraminstagram.com/aspurc.riocuarto/?hl=es

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 ASPURC