Coomeva Medicina Prepagada Oficial

What Coomeva Medicina Prepagada Oficial does

Coomeva Medicina Prepagada Oficial is a Colombian private prepaid health plan provider and a wholly-owned subsidiary of Cooperativa Coomeva, operating from Cali since 2004. The company delivers subscription-based health coverage to 334,000 active individual/family subscribers and 2,200+ corporate clients through a tiered plan portfolio spanning nine tiers (Oro Plus, Oro Prime Empresarial, Plata Prime, Plata Joven, Preferente, Asociado, Tradicional Especial, Ambulatorio Especial, Ambulatorio Esencial), supplemented by three dental plan tiers, the Coomeva Emergencia Médica (CEM) domiciliary and ambulance add-on, the Facilitador de Viajes Médicos (medical tourism coordination), and specialized programs (Cuidado Senior, Maternidad Contigo, Sana que Sana, Juntos Cuidados Paliativos, ArmónicaMente) under the "Cuidarte es Quererte" integrated health model.

Service delivery combines 13 owned medical centers across 12 Colombian cities (Armenia, Barranquilla, Bogotá, Bucaramanga, Cali x3, Cartagena, Medellín x3, Pereira, Tuluá) with an affiliated provider network of 6,000+ healthcare professionals and institutions. The technology stack centers on the App Coomeva MP (iOS/Android) and Oficina Virtual web portal, which together handle appointment scheduling, medical authorizations, payments, digital ID, virtual consultations, and the Sara text-based AI virtual assistant; integrations include WhatsApp, PSE payments, and EPS payer systems. Revenue is generated predominantly through recurring monthly/annual subscription premiums with annual prepayment discounts (up to 8% for cooperative associates), plus ancillary premiums from add-on modules including critical illness coverage (Bienestar sin Fronteras, up to USD $1M), age-60 premium pre-funding (Prima Nivelada), daily hospitalization income, and cord blood banking via America Cell Bank.

The company operates a hybrid go-to-market combining a network of city-distributed commercial advisors (direct field and inside sales), enterprise sales coverage targeting HR departments, and digital self-service acquisition through the website and app, reinforced by a referral program (Refiere y Gana) and a merchant loyalty ecosystem (Programa Lealtad Coomeva) tied to Droguerías Cafam, Cruz Verde, GEF, Punto Blanco, Baby Fresh, Pat Primo, and Medium Café. Additional revenue and strategic positioning come from the Medical Travel Facilitator division, which has served 30,000+ international patients over 24+ years across partner hospitals in Bogotá, Medellín, Cali, and Barranquilla. The cooperative parent structure under Cooperativa Coomeva ties pricing, loyalty programs, and ownership rights to membership status, creating distinct cooperative-member economics versus non-associate subscribers.

Name

Coomeva Medicina Prepagada Oficial

Legal name

Coomeva Medicina Prepagada

Website

https://medicinaprepagada.coomeva.com.co

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Coomeva Medicina Prepagada is a Colombian private prepaid health plan provider serving 334,000 individual subscribers and 2,200+ enterprise clients through tiered subscription plans, 13 owned medical centers, a 6,000+ provider network, and the App Coomeva MP digital platform under Cooperativa Coomeva.

Ownership category

akta.pro rank

Product category

Prepaid Health Plans

NAICS

Ambulatory Health Care Services (621), Offices of Dentists (62121)

SIC

Hospital & Medical Service Plans (6324), Services-Offices & Clinics Of Doctors Of Medicine (8011)

akta.pro primary industry

Care Management & Population Health Program Administration (HLAEALAG)

akta.pro secondary industries

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Prepaid health plans
• Managed healthcare services
• Corporate health benefits
• Dental insurance plans
• Medical emergency services

Headquarters

HQ city

Cali

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, Supply Chain

Revenue model

1. Prepaid Health Plan Premiums (Subscription): Coomeva generates the majority of its revenue through recurring monthly or annual premiums charged to individual and corporate subscribers for prepaid health plan coverage. Plans include Oro Plus, Plata Prime, Preferente, Ambulatorio Esencial, and others, each with varying benefit tiers and pricing.
2. Renta Diaria por Hospitalización (Ancillary Insurance): Ancillary daily hospitalization income benefit offered as an add-on to the Oro Plus plan, paying up to $159,000 COP per day from the 3rd day of hospitalization up to 45 days (60 days for Coomeva cooperative members).
3. Dental Plan Add-ons: Supplementary dental plans (Dental Elite, Dental Especial, Dental Express) offered independently or bundled with medical plans, generating additional recurring premium revenue.
4. Medical Tourism Facilitator Services: Revenue from coordinating medical travel for international patients and health payers (insurers, governments), handling logistics, medical appointments, and administrative services under a single contract and payment structure. 24+ years of experience, 30,000+ foreign patients treated.
5. Coomeva Emergencia Médica (CEM) Add-on: Domiciliary emergency medical and ambulance service offered as a complement to existing plans, providing 24/7 home medical attention and ambulance transfers for additional subscription fees.
6. Prima Nivelada (Level Premium Savings Product): A capital-building product exclusive to Coomeva cooperative members on Oro or Oro Plus plans, allowing contributors to pre-fund future premium increases upon reaching age 60, generating float revenue.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels8 records

Core offering

Coomeva Medicina Prepagada is a prepaid health plan provider in Colombia operating as part of Cooperativa Coomeva. It sells individual, family, and corporate prepaid medicine plans with tiered coverage (Oro Plus, Plata Prime, Preferente, Ambulatorio Especial, Ambulatorio Esencial, Plan Asociado, Tradicional Especial, Plata Jóven, and Oro Prime Empresarial), complementary dental plans (Dental Elite, Dental Especial, Dental Express), emergency medical services (CEM), and a suite of wellness and chronic-care programs. Services are delivered through its owned medical center network, partner providers, a mobile app, and an online office channel.

Product overview

Coomeva Medicina Prepagada offers a comprehensive portfolio of prepaid health plans and wellness programs in Colombia. The core offerings include multiple health plan tiers (Oro Plus, Plata Prime, Preferente, Ambulatorio Especial, Ambulatorio Esencial, Plan Asociado, Tradicional Especial, Plata Jóven, Oro Prime Empresarial) that provide varying levels of medical coverage from VIP unlimited plans to essential outpatient services. These plans are complemented by dental plans (Dental Elite, Dental Especial, Dental Express), Coomeva Emergencia Médica (CEM) for 24/7 domiciliary care and ambulance services, and the Facilitador de Viajes Médicos for medical tourism. The company operates through an integrated health model called 'Cuidarte es Quererte' encompassing specialized programs like Cuidado Senior (senior care), Maternidad Contigo (maternity support), Sana que Sana (child development), and Juntos Cuidados Paliativos (palliative care). Digital access is provided via the App Coomeva MP mobile application and Oficina Virtual web portal, both featuring the Sara virtual assistant. Additional products include Prima Nivelada (age-based savings), Renta Diaria por Hospitalización, and the Bienestar sin Fronteras critical illness insurance policy. Services are delivered through 14 owned medical centers across major Colombian cities plus a network of 6,000+ affiliated healthcare providers.

Differentiator

Problem solved

Functional benefit

Brands

• Cuidarte es Quererte: Integrated health model focusing on prevention and wellness across all life stages, featuring programs like Sana que Sana, Cuidado Senior, Maternidad Contigo, and Juntos Cuidados Paliativos.
• Coomeva Emergencia Médica (CEM)

Products and services

• Oro Plus Upper-tier individual/family prepaid health plan providing broad medical, hospital, and specialty coverage for plan members and their families in Colombia.
• Plata Prime Mid-tier individual/family prepaid health plan offering a balance of coverage and price for personal and family use.
• Preferente Pre-paid health plan with curated provider network access and differentiated service levels for individual members.
• Ambulatorio Especial Outpatient-focused prepaid health plan covering consultations, diagnostics, and ambulatory procedures.
• Ambulatorio Esencial Entry-level outpatient prepaid plan providing essential ambulatory services for individuals and families.
• Plan Asociado Associate plan available to members of Cooperativa Coomeva, providing prepaid health coverage on cooperative terms.
• Tradicional Especial Traditional prepaid health plan format with specialty service coverage for individual members.
• Plata Jóven Prepaid health plan targeted at young adults with a cost-optimized coverage structure.
• Oro Prime Empresarial Corporate-tier prepaid health plan sold to companies as an employee benefit, with enterprise-oriented coverage and billing.
• Dental Elite Upper-tier prepaid dental plan offering comprehensive oral health coverage.
• Dental Especial Mid-tier prepaid dental plan with specialty dental services.
• Dental Express Entry-level prepaid dental plan covering essential oral health services.
• CEM (Coomeva Emergencia Médica) Standalone emergency medical service providing ambulance response and urgent care for plan members and the public.
• Medical Travel Facilitator Medical travel facilitation service that coordinates treatment logistics for members seeking care outside their home region.
• Cuidado Senior Wellness program designed for senior members, supporting chronic-condition management and preventive care.
• Maternidad Contigo Maternity support program for expectant mothers, providing prenatal and postpartum care coordination.
• Sana que Sana General preventive-health and self-care program available to plan members.
• Juntos Cuidados Paliativos Palliative care program supporting members with serious or terminal illnesses and their families.
• ArmónicaMente Mental health and emotional well-being program providing psychological support services to members.

Quantifiable outcome

• 334,000 active users protected by Coomeva Medicina Prepagada
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature4 records

Partnerships

20 partnerships are on record, tiered core and minor.

• Fundación Santa Fe de BogotácoreStrategic or Co-development Partner · 1 January 1999Partner hospital in Bogotá for the Medical Travel Facilitator program, providing high-complexity inpatient and outpatient medical services to international patients referred through Coomeva's medical tourism coordination.
• Fundación Cardio Infantil (Bogotá)coreStrategic or Co-development Partner · 1 January 1999Partner hospital for pediatric and cardiovascular care in Bogotá within the medical tourism network, handling high-complexity cases for international patients.
• Clínica Marly (Bogotá)coreStrategic or Co-development Partner · 1 January 1999Partner clinic in Bogotá's medical tourism network, providing outpatient and selected inpatient services for international health payers.
• Clínica Portoazul (Barranquilla)coreStrategic or Co-development Partner · 1 January 1999Partner hospital in Barranquilla for medical tourism, serving international patients requiring high-complexity care in Colombia's Caribbean region.
• Clínica Imbanaco (Cali)coreStrategic or Co-development Partner · 1 January 1999Major partner hospital in Cali within the medical tourism network, providing a broad range of medical and surgical services to international patients.
• Fundación Valle del Lili (Cali)coreStrategic or Co-development Partner · 1 January 1999Leading partner hospital in Cali for medical tourism, known for high-complexity care and serving as a referral center for international patients.
• Hospital Pablo Tobón Uribe (Medellín)coreStrategic or Co-development Partner · 1 January 1999Partner hospital in Medellín for medical tourism, providing high-complexity medical and surgical services within the international patient network.
• Hospital San Vicente Fundación (Medellín)coreStrategic or Co-development Partner · 1 January 1999Partner hospital in Medellín with a broad range of specialties, integrated into Coomeva's medical tourism network for international patient care.
• Clínica Cardiovid (Medellín)coreStrategic or Co-development Partner · 1 January 1999Specialized cardiovascular clinic partner in Medellín for medical tourism, handling cardiac cases for international patients.
• Sarpa AirlinecoreStrategic or Co-development Partner · 1 January 1999Air ambulance service provider for medical tourism, providing both national and international patient transfers via air ambulance, integrated into the Coomeva medical travel coordination service.
• America Cell BankcoreStrategic or Co-development PartnerExclusive partnership for cord blood and stem cell storage and preservation for Coomeva's Oro Plus plan subscribers with maternity coverage. America Cell Bank provides collection, processing, cryopreservation, and 17-year storage of umbilical cord blood and mesenchymal tissue cells.
• Droguerías CafamminorGTM or Marketing PartnerPharmacy discount partnership offering 10% off medications nationwide for Coomeva Medicina Prepagada and Coomeva Salud Oral members on presentation of their national ID.
• Droguerías Cruz VerdeminorGTM or Marketing PartnerRetail pharmacy discount partnership offering savings on products across all categories for Coomeva members nationwide.
• Punto BlancominorGTM or Marketing PartnerClothing and apparel discount partnership offering 15% discount every Wednesday in physical stores and daily online for Coomeva members.
• GEFminorGTM or Marketing PartnerClothing and apparel discount partnership offering 15% discount every Wednesday in physical stores and daily online at www.gef.co for Coomeva members.
• GalaxminorGTM or Marketing PartnerClothing and footwear discount partnership (Yawa/Extream Technologies brand) offering 15% discount every Wednesday in stores and daily online for Coomeva members.
• Baby FreshminorGTM or Marketing PartnerBaby and infant products discount partnership offering 15% discount every Wednesday in physical stores and daily online for Coomeva members.
• Medium CaféminorGTM or Marketing PartnerCafé and restaurant discount partnership for Coomeva members on presentation of their national ID or member card.
• Pat PrimominorGTM or Marketing PartnerRetail discount partnership for Coomeva members on presentation of national ID at physical Pat Primo stores.
• EPS Aliadas (Coomeva EPS Integration Partnerships)coreStrategic or Co-development PartnerPartnerships with Colombia's main EPS (Empresas Prestadoras de Salud) to integrate Coomeva's prepaid medicine plans with EPS coverage. Benefits include direct authorization for outpatient services in the Coincidente Network, coverage of pre-existing conditions, medication approval, and disability management.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Others

• Coomeva EPS: Sister company under Cooperativa Coomeva providing public-system EPS coverage. Not a direct prepaid competitor but a strategic integration partner for Coomeva Medicina Prepagada, enabling pre-existing condition coverage and direct authorization workflows.

Direct peers

• Sura Prepagada: Prepaid health plan offering from Grupo SURA, a major Colombian financial and insurance conglomerate. Competes head-to-head with Coomeva across corporate and individual prepaid plans, leveraging SURA's broader financial-services distribution and EPS integration.
• Compensar Prepagada: Prepaid health plan offering from Compensar, one of Colombia's largest compensation funds (Cajas de Compensación). Targets similar individual, family and corporate segments with competitive plans and a broad provider network in Bogotá and other major cities.
• Medisanitas: Prepaid medicine arm of Sanitas Internacional in Colombia, offering tiered prepaid plans, dental coverage and a national provider network. Directly comparable in plan structure, corporate sales motion and digital service platform to Coomeva.
• Compañía de Medicina Prepagada - Colsanitas: One of Colombia's largest prepaid health plan providers, directly competing with Coomeva Medicina Prepagada across individual, family and corporate plans with its own owned clinic infrastructure (Colsanitas Clinics) and provider network. Closely comparable product portfolio, target market and integrated care model.

Regional players

• Salud Total EPS: Major Colombian EPS with growing prepaid and supplementary plan offerings. Comparable in Colombian regulatory context and target market; competes indirectly with Coomeva's prepaid plans where members seek higher-tier access beyond standard EPS coverage.
• Saludsa Prepagada (Ecuador): Ecuadorian prepaid health plan operator under Grupo Saludsa. Comparable in product structure and target market to Coomeva, serving as a regional reference point for Andean prepaid health models that could be relevant if Coomeva ever considered cross-border expansion.

Broad incumbents

• New York-Presbytería / Cleveland Clinic international affiliate programs: Large US hospital systems that operate international patient programs for medical tourism into and out of Latin America. Comparable to Coomeva's medical-tourism facilitator as broader incumbents competing for international payer relationships and cross-border care flows.

Emerging players

• Particular Assist (Particular Care): International medical-assistance and concierge provider that coordinates care for patients traveling for treatment, including to Latin America. Comparable to Coomeva's Facilitador de Viajes Médicos division as a B2B medical-tourism and care-coordination peer.
• Doctoralia / Plataforma de Telemedicina: Digital health platforms aggregating providers and offering teleconsultations in Latin America. Comparable to Coomeva's digital-first motion (App, Virtual Office, Sara virtual assistant, Centro Médico Virtual) and potential disruptor in the prepaid telehealth layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

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

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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 Coomeva Medicina Prepagada Oficial