FESALUD
FESALUD is a Peruvian subscription-based health insurer under GRUPO FE, serving 9,000+ individual and family clients via a 32+ affiliated clinic network across Lima and provinces, with four plan tiers, teleconsultation, and the BeeBeneficios rewards program.
- Company typePrivate
- Founded-
- HeadquartersSan Borja, Lima, Peru
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What FESALUD does
FESALUD is a Peruvian health insurance provider headquartered in San Borja, Lima, operating under the GRUPO FE umbrella through two legal entities (FESALUD S.A. and SERVICIOS DE SALUD FESALUD S.A.C.) and registered with Peruvian health authority SUSALUD under code 20028. The company sells recurring subscription health plans to individuals and families across four tiers (Emergencia, Integral, Integral Plus, Senior) with entry pricing starting at S/27 per month, and routes members to a network of 32+ affiliated clinics spanning 25+ in Lima and 7+ in provinces. The operational platform combines in-clinic care with a teleconsultation service priced at S/10 per session and a customer loyalty program called BeeBeneficios that incentivizes continued subscription tenure. The team comprises 38 employees serving 9,000+ annual clients, with corporate and SME segments (Empresa, Corporativo) listed alongside the consumer-facing core as secondary go-to-market targets.
FESALUD's revenue model is a recurring subscription premium model: members pay monthly fees that vary by tier, generating predictable recurring revenue with the unit economics driven primarily by claim frequency and the cost of care delivered through the affiliated clinic network. Distribution is omnichannel and mass-market oriented, anchored by digital onboarding and supported by teleconsultation, while the underlying technology stack is a conventional insurance administration platform rather than an AI-driven engine. The competitive positioning is low-cost and accessible, differentiating from traditional Peruvian insurers by addressing underbanked and informal-segment demand with sub-S/30 entry pricing while still providing access to emergency, outpatient, and preventive coverage through the clinic network.
FESALUD firmographics
Firmographics- Name
- FESALUD
- Legal name
- FESALUD S. A.
- Website
- https://fesalud.com.pe
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FESALUD is a Peruvian subscription-based health insurer under GRUPO FE, serving 9,000+ individual and family clients via a 32+ affiliated clinic network across Lima and provinces, with four plan tiers, teleconsultation, and the BeeBeneficios rewards program.
- Ownership category
- akta.pro rank
Where FESALUD is headquartered
LocationHeadquarters
- HQ city
- San Borja, Lima
- HQ country
- Peru
- HQ region
- Latin America
Offices1 record
Markets served
FESALUD business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Others
Revenue model
- Health Insurance Premiums: FESALUD generates revenue through monthly and annual insurance premiums paid by individuals, families, and businesses for health coverage plans. Plans are offered at different coverage levels (Plan Emergencia, Plan Integral, Plan Integral Plus, Plan Senior) with varying premium levels based on coverage scope.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Plan Emergencia - Basic emergency coverage starting at 27 soles/month |
| Subscription | Monthly | Plan Integral - Comprehensive coverage with higher limits |
| Subscription | Monthly | Plan Integral Plus - Extended coverage including hospitalization in Lima |
| Subscription | Monthly | Plan Senior - Coverage for adults 65 years and older |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
FESALUD product offering
Product offeringCore offering
FESALUD is a Peruvian health insurance provider offering four tiered health plans (Plan Emergencia, Plan Integral, Plan Integral Plus, and Plan Senior) for individuals, families, businesses, and corporations. Plans cover accidental and medical emergencies, pre-existing conditions, medical consultations, home visits, teleconsultations, and hospitalization, with maximum annual coverage from S/20,000 to S/170,000 and premiums starting at 27 soles per month. The company also runs the BeeBeneficios rewards program, which provides exclusive discounts on health, beauty, entertainment, and restaurant services to policyholders.
Product overview
FESALUD offers a portfolio of health insurance plans consisting of four core products: Plan Emergencia (entry-level emergency coverage), Plan Integral (comprehensive mid-tier coverage), Plan Integral Plus (premium comprehensive coverage with hospitalization), and Plan Senior (specialized coverage for seniors 65+). All plans are available as individual, business, or corporate options. The company also offers BeeBeneficios, a rewards program that provides exclusive discounts across health, beauty, entertainment, and restaurant categories. Plans start from 27 soles per month and include access to a national network of clinics.
Differentiator
Problem solved
Functional benefit
Brands
- BeeBeneficios: Rewards program created by Fesalud offering exclusive discounts and promotions on health, beauty, entertainment, and restaurants services.
Products and services
- Plan Emergencia Entry-level health insurance plan offering 100% coverage for accidental and medical emergencies (including pre-existing conditions) with maximum annual coverage of S/20,000. Includes a free preventive healthcare program after the sixth month. Targeted at individuals, families, businesses, and corporations seeking affordable basic emergency protection.
- Plan Integral Mid-tier comprehensive health plan covering everything in Plan Emergencia plus maximum annual coverage of S/150,000. Includes unlimited medical consultations, home consultations, and teleconsultations. Designed for individuals, families, businesses, and corporations seeking broader coverage.
- Plan Integral Plus Premium comprehensive health plan covering everything in Plan Integral plus maximum annual coverage of S/170,000 and scheduled hospitalization only in Lima. Targeted at individuals, families, businesses, and corporations seeking comprehensive coverage including hospitalization.
- Plan Senior Specialized health insurance plan for adults aged 65 and older providing 100% coverage for accidental emergencies, unlimited medical and home consultations and teleconsultations, and 65% coverage for medicines. Designed for the senior demographic in Peru.
- BeeBeneficios Rewards program created by FESALUD offering exclusive discounts and promotions on health services, beauty, entertainment, and restaurants through a network of partner brands. Available to FESALUD policyholders to enhance customer retention and engagement.
Quantifiable outcome
- Coverage amounts range from S/ 20,000 to S/ 170,000 per year depending on plan selected
- +2 more outcomes
Companies that use FESALUD
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
FESALUD technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
FESALUD partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Grupo FecoreFESALUD forms part of GRUPO FE, a business group providing organizational backing and shared brand association. This parent company relationship provides structural support and brand credibility within the Peruvian market.
- SUSALUDcoreFESALUD is supervised by SUSALUD (Superintendencia Nacional de Salud) with registration code 20028, indicating regulatory oversight and compliance with Peruvian health insurance regulations.
- 32+ Affiliated Clinics NetworkcoreFESALUD has partnerships with over 32 healthcare facilities including clinics in Lima (25+) and provincial cities (7+), providing policyholders with access to medical consultations, emergencies, and treatments nationwide.
- BeeBeneficios Partner BrandsminorVarious brands participate in the BeeBeneficios rewards program, offering exclusive discounts on health, beauty, entertainment, and restaurant services to FESALUD policyholders.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
FESALUD competitors and assessment
Company assessmentDirect peers
- Sanitas Perú: Sanitas Perú is a Peruvian health insurer offering individual and corporate plans with affiliated clinic networks. It is a direct competitor in Peruvian supplemental health insurance, addressing a similar customer need to FESALUD's plans.
- La Positiva Seguros: La Positiva Seguros is a major Peruvian insurer offering health, P&C, and life products. It is a relevant peer because it competes in the same Peruvian health insurance market across individual and corporate segments, though with a more diversified product portfolio.
- Rimac Seguros: Rimac Seguros is one of Peru's largest insurance groups offering health, life, and P&C products through extensive clinic networks. It is the closest direct peer to FESALUD, competing in the same Peruvian health insurance market, though it serves a more premium and corporate-skewed customer base.
- Pacífico Seguros: Pacífico Seguros is a leading Peruvian health and general insurer owned by Credicorp. Like FESALUD, it sells health plans to individuals and corporates through a national provider network, but operates at significantly larger scale and more premium positioning.
- Mapfre Perú: Mapfre Perú is the local subsidiary of the Spanish global insurer Mapfre, offering health, auto, and life products in Peru. It is broadly comparable to FESALUD in product category but operates at much larger scale and with broader international backing.
- Bupa Perú: Bupa Perú is the Peruvian operation of global health insurer Bupa, offering individual and corporate health insurance. It is comparable to FESALUD in product category and target customer, though typically more premium-priced and internationally backed.
Broad incumbents
- Protectum (formerly Protecta): Protectum is a Peruvian insurance company offering personal and group accident and health products. It is a broader incumbent in the Peruvian health insurance space, with overlapping customer segments to FESALUD especially in accident and emergency coverage.
Regional players
- Interseguro: Interseguro is a Peruvian insurance company owned by Intercorp, offering life, health, and other products. It is comparable to FESALUD as a Peru-based health insurance provider, though it typically targets the more affluent and corporate segments.
- Sura (Seguros Sura Perú): Seguros Sura is part of the Latin American Sura financial group, offering health and other insurance products in Peru. It is comparable to FESALUD in providing health insurance to individuals and corporates in Peru, but with a regional parent and broader product set.
Emerging players
- Medvida Perú: Medvida Perú is a smaller Peruvian health insurance provider offering individual and family health plans. It is comparable to FESALUD as an emerging Peruvian health insurer focused on the affordable tier, though it operates at a smaller scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
FESALUD social profiles
Digital presenceFESALUD financial estimates
Financial estimateRevenue estimate
Valuation estimate
FESALUD leadership team
Management profileNumber of profiles
Profiles1 record
FESALUD funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FESALUD 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 FESALUD
What does FESALUD do?
FESALUD is a Peruvian health insurance provider offering four tiered health plans (Plan Emergencia, Plan Integral, Plan Integral Plus, and Plan Senior) for individuals, families, businesses, and corporations. Plans cover accidental and medical emergencies, pre-existing conditions, medical consultations, home visits, teleconsultations, and hospitalization, with maximum annual coverage from S/20,000 to S/170,000 and premiums starting at 27 soles per month. The company also runs the BeeBeneficios rewards program, which provides exclusive discounts on health, beauty, entertainment, and restaurant services to policyholders.
Is FESALUD a public or private company?
FESALUD is a private company. It is classified as corporate owned and is currently operating.
When was FESALUD founded?
FESALUD was founded in -1. It employs 11 to 50 people.
Where is FESALUD based?
FESALUD is headquartered in San Borja, Lima, Peru, in the Latin America region.
How does FESALUD make money?
One revenue line is on record: health Insurance Premiums.
Who are FESALUD's main competitors?
Direct peers on record are Sanitas Perú, La Positiva Seguros, Rimac Seguros, Pacífico Seguros, Mapfre Perú and Bupa Perú. Protectum (formerly Protecta) is listed as a broad incumbent. Regional players are Interseguro and Sura (Seguros Sura Perú). Medvida Perú is listed as an emerging player.
Does FESALUD have an API?
No public API is recorded for FESALUD.