Mutual del Personal de Agua y Energia de Mendoza

What Mutual del Personal de Agua y Energia de Mendoza does

Mutual del Personal de Agua y Energia de Mendoza (also known as Mutual AYE or Mutual AyEE) is an Argentine mutual benefit society that operates as a registered obra social (health social work) under the Superintendencia de Servicios de Salud (RNOS N° 0-0070-3). Founded as a worker-owned cooperative by employees of the water and energy sector, the organization provides healthcare coverage to active workers and retirees (jubilados) of that industry across Argentina, with operational concentration in Mendoza province. Its core offerings include health insurance coverage, dental services (odontologia), an on-site pharmacy at Casa Matriz, disability coverage compliant with Resolution 1743/2024 SSSalud, and a network of contracted healthcare providers (prestadores). The organization is governed by a Consejo Directivo and annual ordinary assemblies of active members.

The mutual generates revenue through two principal streams: monthly membership quotas (cuotas) paid by active and retired members, and coseguros (co-insurance / co-payments) shared with members at point of service. Quotas are adjusted periodically through formal resolutions (e.g., Resolucion 987/2021, 2125/2021, 459/22, 867/22). Member-facing services are distributed across five physical locations — Casa Matriz on Jose Vicente Zapata 144 in Mendoza, branches in San Rafael and San Martin, and two consultorios — and supported by multi-channel digital infrastructure including the PAGAR payment portal (pagar.com.ar), Link ATM network, MercadoPago, home banking of multiple Argentine banks, and integration with Banco de la Nacion Argentina's BNA+ mobile application. A WhatsApp pharmacy channel and electronic account statements (E-resumen) extend the digital footprint.

The organization employs 19 people and is governed as a cooperative with no external equity, parent company, or venture funding involvement. Recent activity includes service-line contractions (radiology closure September 2024, pharmacy closure July 2024, Hospital Espanol suspension and reactivation in July 2025) alongside channel-expansion moves such as the November 2023 BNA+ integration and ongoing monthly quota announcements through July 2026. There is no evidence of AI/ML capability, proprietary technology platforms, or third-party model adoption in the input data.

Name

Mutual del Personal de Agua y Energia de Mendoza

Legal name

Mutual del Personal del Agua y la Energía de Mendoza

Website

https://mutualaye.com.ar

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Mutual del Personal de Agua y Energia de Mendoza is a worker-owned Argentine mutual health organization providing healthcare coverage, pharmacy, dental, and disability services to active workers and retirees in the country's water and energy sector, headquartered in Mendoza with branches across the province.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance (Obra Social)

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Health insurance mutual
• Mutual benefit society
• Obra social services
• Member healthcare coverage
• Cooperative health plan

Headquarters

HQ city

Mendoza

HQ country

Argentina

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Others

Revenue model

1. Membership dues (Cuotas): Monthly membership fees paid by active members and retirees (jubilados) to maintain healthcare coverage. The organization publishes periodic quota increases reflecting adjustments to these fees.
2. Coseguros (Co-payments): Co-payment amounts for healthcare services that members share with the mutual. Published in periodic coseguro schedules.

Pricing tiers

Distribution channels4 records

Marketing channels3 records

Core offering

Mutual del Personal de Agua y Energia de Mendoza is a worker-founded mutual benefit society (obra social) that provides health insurance coverage, pharmacy, dental, disability, and ancillary social welfare services to active and retired workers in Argentina's water and energy sector and their families. It operates physical offices in Mendoza, San Rafael, and San Martin, an in-house pharmacy at its Casa Matriz, and digital channels (PAGAR, BNA+, E-resumen) for fee payment and account management.

Product overview

Mutual del Personal de Agua y Energía de Mendoza is a health mutual benefit organization serving workers in the water and energy sector. The organization operates as a unified health insurance platform with multiple interconnected services including membership enrollment (Ser Socio), electronic account management (E-resumen), and a digital payment platform (PAGAR) that integrates with external payment providers. The core offerings span healthcare coverage with co-insurance (Coseguros), a network of contracted providers (Prestadores), disability coverage services (Discapacidad and Factura Discapacidad), and on-site services including a pharmacy and dental clinic. The organization also provides WhatsApp communication channels for pharmacy services and operates regional offices in San Rafael and San Martín.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutual AYE! Health Coverage

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Five partnerships are on record, tiered core.

• Banco de la Nación ArgentinacoreGTM or Marketing PartnerBanco de la Nación Argentina serves as a key payment partner, offering CBU transfer capabilities for member fee payments. The mutual is integrated into the BNA+ mobile application, allowing members to access and pay services through Argentina's largest state-owned bank.
• PAGARcoreTechnology or IntegrationPAGAR is the web-based payment platform integrated into the mutual's payment infrastructure, enabling members to pay fees through the pagar.com.ar portal, Link ATMs, home banking, and Link Celular services.
• Link (Red Link)coreTechnology or IntegrationLink's ATM and payment network enables members to pay mutual fees at automated teller machines across Argentina.
• SERPRISA (Emergencias)coreStrategic or Co-development PartnerSERPRISA is the emergency medical services provider partnered with the mutual for emergency response and medical emergencies.
• Banco de la Nación Argentina (BNA+ Integration)coreTechnology or IntegrationThe mutual's services are available through the BNA+ mobile application, enabling members to access and manage their accounts and payments through the bank's digital platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• ACA Salud: Health plan associated with the Argentine Rural Confederations (Asociaciones de Cooperativas Argentinas), serving members organized through agricultural cooperatives. Comparable because it is an association-anchored health plan tied to a specific member base.
• Sancor Salud: Argentine cooperative/mutual health plan offering prepaid medical coverage across multiple provinces. Closest direct peer because it shares the mutual/cooperative ownership structure and operates nationally within Argentina.
• Federada Salud: Argentine mutual health plan with a multi-province footprint and provider network similar to Mutual AYE. Comparable in mutual ownership model and focus on regional member service delivery.
• Mutual Jerárquicos Salud: Sector-anchored Argentine mutual health plan for petroleum industry professionals and family. Comparable because it shares the sector-anchored mutual model and provides a template for niche, vertically organized mutuals like Mutual AYE.

Broad incumbents

• Medifé: Mid-to-large Argentine health plan offering individual and corporate coverage. Comparable as a mainstream prepaga competitor to Mutual AYE in the Mendoza regional market.
• Galeno: Large Argentine prepaid health plan with provider network and owned clinics. Comparable as a national competitor against which Mutual AYE's value proposition (sector-anchored, affordable) is benchmarked.
• Omint: Argentine prepaid health plan with nationwide coverage and corporate offerings. Comparable as a broad incumbent competing for the same employer- and individual-sponsored health plan wallets.
• Swiss Medical: Major Argentine prepaga offering health plans and owned provider networks. Comparable as a competing national-scale health insurer that Mutual AYE members could migrate toward.
• OSDE: One of Argentina's largest private health plans (prepaid medicine). Comparable as a competing health insurance offering with broader national scale, providing context on pricing and provider-network competition.
• Hospital Italiano de Buenos Aires (Plan de Salud): Owns an integrated prepaid health plan tied to its hospital network in Buenos Aires. Comparable as a vertically integrated health plan+provider model that contrasts with Mutual AYE's regional, in-house service delivery.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mutual-del-personal-de-agua-y-energia-de-mendoza

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 del Personal de Agua y Energia de Mendoza