Coomeva Medicina Prepagada

What Coomeva Medicina Prepagada does

Coomeva Medicina Prepagada is a Colombian prepaid health insurance and managed care provider operating within the Coomeva cooperative group, headquartered in Palmira, Valle del Cauca. The company serves 334,000 active individual and family members and 2,200+ corporate clients across Colombia through a portfolio of nine named health plans ranging from the flagship unlimited Oro Plus tier through mid-tier Preferente and Plata Prime plans, youth-oriented Plata Joven, cooperative-exclusive Asociado, traditional Tradicional Especial, and basic ambulatory Ambulatorio Especial and Ambulatorio Esencial plans. Service delivery is anchored by an owned network of 14 medical centers across 11 Colombian cities and a 6,000+ affiliated provider network, supplemented by the wholly-owned Coomeva Emergencia Médica (CEM) affiliate for 24/7 domiciliary medical attention, ambulance services, and air ambulance transfers via Sarpa Airline partnership.

The product surface extends beyond core health plans into modular adjacencies: three-tier dental plans (Dental Elite, Dental Especial, Dental Express) under affiliate Coomeva Salud Oral; the seven-program Cuidarte es Quererte integral health model (Sana que Sana, Cuidado Senior, ArmónicaMente, Te Acompaño, Cuidar de Ti, Maternidad Contigo, Juntos Cuidados Paliativos); the Bienestar sin Fronteras critical illness insurance policy with USD $1M coverage across 30+ countries; daily hospitalization income rider (Renta Diaria); and the Prima Nivelada capital accumulation product for cooperative members approaching age 60. The digital layer comprises the App Coomeva MP (iOS/Android), the web-based Oficina Virtual member portal, the Centro Médico Virtual teleconsultation line, and the Sara virtual assistant. Distribution runs through owned medical centers, commercial advisor network, WhatsApp sales support, call center, and digital self-service channels, with a separate B2B channel coordinating inbound medical tourism for international health insurers and governments — over 30,000 foreign patients treated across 24+ years.

The business model is subscription-based prepaid health insurance revenue supplemented by ancillary streams: dental premiums, emergency services fees, critical illness insurance premiums, and managed-services revenue from medical tourism case coordination. Pricing is quote-based, varying by age, plan tier, geographic location, and cooperative membership status, with annual prepayment discounts and loyalty rewards through the Lealtad Coomeva program. Payments integrate with PSE (Pagos Seguros en Línea), debit, and credit. The company employs 251-500 staff and operates under a cooperative ownership structure with no disclosed external PE/VC investment.

Name

Coomeva Medicina Prepagada

Legal name

Coomeva Medicina Prepagada

Website

https://medicinaprepagada.coomeva.com.co

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

251–500 employees

Short description

Coomeva Medicina Prepagada is a Colombian prepaid health insurer and managed care provider serving 334,000 individual members and 2,200+ corporate clients across nine plan tiers, 14 owned medical centers in 11 cities, and a 6,000-provider network, with supplemental dental, emergency, critical illness, and medical tourism services.

Ownership category

akta.pro rank

Product category

Prepaid Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Ambulatory Health Care Services (621), Other Ambulatory Health Care Services (6219)

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

Keywords

• Prepaid health plans
• Managed care services
• Dental insurance plans
• Medical tourism services
• Emergency medical services

Headquarters

HQ city

Palmira - Valle Del Cauca

HQ country

Colombia

HQ region

Latin America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Prepaid Health Plan Premiums: Monthly or annual subscription fees paid by individual and corporate clients for access to Coomeva's network of medical centers and healthcare providers. Plans include varying coverage levels from basic ambulatory to comprehensive full coverage including hospitalization, specialists, and maternity benefits.
2. Dental Plan Premiums: Separate subscription fees for dental health plans (Dental Elite, Dental Especial, Dental Express) offered through Coomeva Salud Oral
3. Emergency Medical Services (CEM): Fees for home medical attention, ambulance services, and emergency assistance including pet veterinary assistance
4. Critical Illness Insurance (Bienestar sin Fronteras): Standalone critical illness insurance policy covering neurological diseases, cardiac surgery, cancer treatment, chronic kidney disease, and major trauma with up to USD $1,000,000 coverage
5. Medical Travel Facilitator Services: B2B services for international health insurers and governments, providing medical tourism coordination, case management, and healthcare access in Colombia for foreign patients
6. Prima Nivelada Product: Capital accumulation product for cooperative members to pre-fund future increases in prepaid health costs at age 60, offering partial or full coverage of premium increases

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels11 records

Core offering

Coomeva Medicina Prepagada is a Colombian prepaid health insurance provider that sells tiered managed-care plans (Oro Plus, Preferente, Plata Prime, Plata Joven, Ambulatorio Especial, Ambulatorio Esencial, Asociado, Tradicional Especial, and Oro Prime Empresarial) to individuals, families, and corporate clients. The plans are delivered through 14 owned medical centers across 11 Colombian cities and a network of 6,000+ affiliated healthcare providers, supplemented by dental plans, 24/7 home emergency medical services (CEM), critical illness insurance, and B2B medical tourism facilitation for international insurers and payers.

Product overview

Coomeva Medicina Prepagada is a Colombian prepaid health insurance provider offering a multi-tier portfolio of managed care plans alongside a proprietary network of 14 owned medical centers across 11 cities in Colombia. The core offering consists of nine named health plans — Oro Plus (flagship/comprehensive), Oro Prime Empresarial (corporate executive), Preferente, Plata Prime, Plata Jóven, Asociado, Tradicional Especial, Ambulatorio Especial, and Ambulatorio Esencial — spanning from unlimited VIP-tier coverage to basic outpatient-only packages. These are supplemented by modular add-ons including the Coomeva Emergencia Médica (CEM) domiciliary and ambulance service, three-tier dental plans (Dental Elite, Dental Especial, Dental Express), the Cuidarte es Quererte Integral Health Model with seven programs (Sana que Sana, Cuidado Senior, ArmónicaMente, Te Acompanño, Cuidar de Ti, Maternidad Contigo, Juntos Cuidados Paliativos), critical illness insurance (Bienestar sin Fronteras), daily hospitalization income, and Prima Nivelada savings product. The digital member experience is delivered through the App Coomeva MP (iOS/Android) and Oficina Virtual web portal, which provide access to appointments, authorizations, payments, virtual medical center, Sara virtual assistant, and digital ID card. A Medical Travel Coordinator facilitates inbound medical tourism for international insurers and payers. The company also operates an extensive corporate segment serving 2,200+ enterprise clients with 334,000 active members and 6,000 affiliated providers.

Differentiator

Problem solved

Functional benefit

Brands

• Plan Oro Plus: Premium health plan with comprehensive coverage, VIP attention, and unlimited benefits from day one.
• Plan Plata Prime
• Preferente
• Ambulatorio Especial
• Ambulatorio Esencial
• Dental Elite
• Dental Especial
• Dental Express
• Coomeva Emergencia Médica (CEM)
• Cuidarte es Quererte

Products and services

• Plan Oro Plus

Quantifiable outcome

• 334,000 active users trusting Coomeva's health coverage
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• America Cell BankcoreStrategic or Co-development PartnerStrategic alliance for cord blood and stem cell storage services exclusively for Oro Plus plan members. America Cell Bank provides collection, processing, cryopreservation, and storage of umbilical cord blood stem cells and mesenchymal tissue cells, with coverage up to 110% of one minimum legal salary for processing and 20% for 17 years of annual maintenance.
• Sarpa AirlinecoreStrategic or Co-development PartnerAir ambulance service provider for medical transport at national and international levels. Sarpa Airline provides emergency air ambulance transfers to complement Coomeva's ground emergency services and medical tourism operations.
• EPS Aliado NetworkminorStrategic or Co-development PartnerPartnerships with major Colombian EPS (Health Promoting Entities) to integrate prepaid medicine plans with public health system coverage. Includes direct authorization for outpatient services, pre-existing condition coverage, medication approval, and incapacity validation to optimize care and reduce administrative reprocessing.
• Coomeva Emergencia Médica (CEM)coreOthersRelated company providing home medical attention, ambulance services, and emergency assistance 24/7. CEM services complement prepaid health plans with at-home medical care, reducing unnecessary emergency room visits.
• Coomeva Salud OralcoreOthersAffiliate dental health plan provider offering Dental Elite, Dental Especial, and Dental Express plans. Joint marketing and cross-selling with Coomeva Medicina Prepagada through shared customer discounts and unified loyalty program.
• Programa Lealtad CoomevaminorGTM or Marketing PartnerLoyalty program allowing members to earn points (pinos) through premium payments and auto-debit registrations, redeemable for bonuses and benefits at partner merchants including Punto Blanco, GEF, Galax, Baby Fresh, Droguerías Cafam, Cruz Verde, and others.
• Fundación Santa Fe de BogotácoreStrategic or Co-development PartnerPremier medical institution in Bogotá serving as primary hospital partner for Coomeva's medical tourism operations, offering high-complexity services including JCI-certified care.
• Fundación Cardio InfantilcoreStrategic or Co-development PartnerLeading pediatric and cardiac care hospital in Colombia, partner for complex medical procedures and surgeries for international patients.
• Clínica ImbanacocoreStrategic or Co-development PartnerMajor private hospital in Cali serving as regional medical tourism partner for high-complexity procedures and surgical interventions.
• Fundación Valle del LilicoreStrategic or Co-development PartnerLeading healthcare institution in Cali, partner for comprehensive medical services and specialized treatments for international patients.
• Hospital Pablo Tobón UribecoreStrategic or Co-development PartnerPrestigious medical center in Medellín serving as key partner for complex medical cases and comprehensive healthcare services.
• Hospital San Vicente FundacióncoreStrategic or Co-development PartnerLeading healthcare institution in Medellín with expertise in transplant services and high-complexity medical care for international patients.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Customer concentration

• Xtiktok.com/discover/coomeva-medicina-prepagada
• YouTubeyoutube.com/channel/UCrxbcDkgezCHm8Y3BP9OLRQ
• Facebookfacebook.com/CoomevaMPOficial
• LinkedInlinkedin.com/company/coomeva-medicina-prepagada
• Instagraminstagram.com/coomevampoficial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Coomeva Medicina Prepagada