OSUNLaR

What OSUNLaR does

OSUNLaR (Obra Social de la Universidad Nacional de La Rioja) is a non-profit university health insurance fund established on December 21, 1995, operating under Argentine Law 24.741 to provide mandatory health coverage exclusively to the National University of La Rioja (UNLaR) community — teaching staff (Docentes), non-teaching staff (Nodocentes), graduates, and retirees, with FUNLaR employees also eligible. The core product is a health insurance plan providing 70% coverage of named services and 50% of unnamed services under Argentina's compulsory medical program (PMO), supplemented by a portfolio of Special Plans covering obesity, oncology, HIV, maternal-child, diabetic, assisted reproduction, and celiac conditions. Revenue is generated primarily through mandatory payroll deductions (aportes) administered via UNLaR's payroll system, plus tiered monthly fees from titular members for voluntary family adherentes (ranging from ARS 26,000 to ARS 40,000 per month based on titular income), and ancillary income from pharmacy, event hall rental, and daycare operations.

The organization runs a vertically integrated service stack: a web-based member portal at osunlar.org for affiliation, consumption tracking, reimbursement requests, and pharmacy reservations; an owned pharmacy in La Rioja Capital with satellite locations across the province; 24/7 emergency and funeral services delivered through a partnership with VITTAL; a social and sports center with event hall rental; a maternal daycare (Jardín Maternal Casa Alegría) for children of Docentes and Nodocentes; a children's vacation colony; and an OSUNLaR ACTIVA wellness program. Seven physical offices serve members across La Rioja province (La Rioja Capital, Aimogasta, Catuna, Chamical, Chepes, Villa Unión) and a regional delegation in Córdoba Capital, while participation in COSUN (Coordinadora de Obras Sociales Universitarias) provides reciprocity-based nationwide coverage through Argentina's university health fund network. Recent operational additions include a WhatsApp public-service channel and an online monthly consumption consultation system, both launched in 2025. Governance is provided by a Board of Directors representing Docentes, Nodocentes, graduates, and retirees, led by President Dra. Gabriela Brizuela and General Manager Cr. Daniel Albornoz, with no external ownership or venture backing.

Name

OSUNLaR

Legal name

OSUNLaR

Website

https://osunlar.org

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

OSUNLaR is a non-profit university health insurance fund providing mandatory and supplementary health coverage exclusively to UNLaR teaching staff, non-teaching staff, graduates, retirees, and their families across La Rioja and via national reciprocity, with pharmacy, emergency, and social services.

Ownership category

akta.pro rank

Product category

University Health Insurance (Obra Social)

NAICS

Social Assistance (624), Health Care and Social Assistance (62), Other Individual and Family Services (624190)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Services-Health Services (8000)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industry

Student Health Insurance & Benefits Administration (EDALAFAL)

Keywords

• University health insurance
• Obra social services
• Health coverage plans
• Member pharmacy services
• Emergency medical services

Headquarters

HQ city

La Rioja Capital

HQ country

Argentina

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Payroll Deductions (Aportes): OSUNLaR's primary revenue is derived from mandatory payroll deductions (aportes) made by UNLaR from the salaries of its active teaching and non-teaching staff members. These contributions are managed through the UNLaR payroll system and constitute the core funding mechanism for the health fund.
2. Additional Family Member Fees (Adicionales): Titular members pay monthly fees for additional family members (adherentes) according to a tiered scale based on the titular's gross income. Fees range from $26,000 to $40,000 per additional person per month.
3. Solidarity-Based Financing: As a university health fund governed by Law 24.741, OSUNLaR's financing model is founded on solidarity principles, where contributions are pooled to cover the health needs of all members.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

OSUNLaR is a nonprofit university-affiliated health insurance fund (Obra Social) for the National University of La Rioja (UNLaR), providing mandatory health coverage to active teaching and non-teaching staff, graduates, and retirees of UNLaR and their families. Its core offering is a health insurance plan covering 70% of named PMO benefits and 50% of unnamed benefits, complemented by own-pharmacy services, VITTAL 24/7 emergency and burial coverage, special health plans (oncology, maternal-child, diabetic, obesity, assisted reproduction, celiac), a Sports and Social Center, daycare, vacation colony, online reimbursement services, and nationwide reciprocity via COSUN.

Product overview

OSUNLaR is a university health insurance organization (Obra Social) for the National University of La Rioja, Argentina, providing health coverage to Docentes, Nodocentes, Graduates, and Retirees. The core offering is the Health Insurance Coverage Plan operating under Argentina's PMO framework. The product portfolio includes Special Plans (Obesity, HIV, Oncology, Maternal-Child, Diabetic, Fertility, Celiac), Pharmacy services, Emergency/Burial services via VITTAL, Sports and Social Center, Vacation Colony, Maternal Daycare, online Reimbursement system, Event Hall rental, the OSUNLaR ACTIVA wellness program, and Reciprocity Agreements through the Red COSUN university health network. Members access services through online portals for consumption tracking, reimbursement requests, and provider search.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Coverage Plan (Plan de Salud) Core mandatory health insurance product covering 70% of named benefits and 50% of unnamed benefits under Argentina's PMO, for Docentes, Nodocentes, Graduates, and Retirees of UNLaR and their families.
• Special Plans (Planes Especiales) Supplementary health plans covering specific conditions: Obesity Plan, Antiretroviral Treatment Plan, Oncological Plan, Maternal-Child Plan, Diabetic Plan, Assisted Fertilization Plan, and Celiac Plan, available to affiliated members.
• OSUNLaR Pharmacy Own on-site pharmacy service providing medications to members at the La Rioja Capital location, with satellite pharmacies throughout La Rioja province and an online reservation system.
• Emergency and Burial Service (Servicio de Emergencias y Sepelios) 24/7 emergency medical and burial (sepelio) coverage for affiliated members, provided through a direct partnership with VITTAL, a La Rioja-based emergency and funeral services company.
• Sports and Social Center (Centro Social y Deportivo OSUNLaR) Member-only recreational facility including sports courts, event halls, and social spaces for use by affiliated members of the OSUNLaR community.
• Vacation Colony (Colonia de Vacaciones OSUNLaR) Seasonal vacation program for children of members, providing recreational activities during school breaks.
• Maternal Daycare (Jardín Maternal Casa Alegría) Daycare service for children aged 45 days to 2 years, offered exclusively to children of Docente and Nodocente members of OSUNLaR.
• Reimbursement Service (Reintegros) Online system for members to submit and track reimbursement requests for medical, pharmacy, dental, glasses, gym, and celiac plan expenses, accessible via the OSUNLaR portal.
• Event Hall Rental (Salón y Patio de Eventos) Rental service for event hall and patio at the Centro Social y Deportivo OSUNLaR, available to both affiliated members and the general public, with online booking at osunlar.org/r/reservarsalon.
• OSUNLaR ACTIVA Wellness Program Wellness program designed to revitalize body and mind for members, reduce stress, prevent posture-related injuries, and increase productivity through structured physical activities.

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• COSUN (Coordinadora de Obras Sociales Universitarias)coreChannel Partner/ Reseller/ Distributor · 21 December 1995OSUNLaR participates in COSUN, the national coordinator of university health funds. Through this network, OSUNLaR members can access medical care at any university health fund location across Argentina via reciprocity agreements, extending coverage nationwide.
• UNLaR — Universidad Nacional de La RiojacoreOthersOSUNLaR is the health fund exclusively serving UNLaR university workers. The university acts as the payroll agent, deducting and remitting contributions from employees' salaries to fund OSUNLaR's operations. OSUNLaR is physically hosted within UNLaR's Hospital Escuela y de Clínicas.
• FUNLaR (Fundación Universidad Nacional de La Rioja)minorOthersFUNLaR employees are eligible to join OSUNLaR health coverage. Active staff from FUNLaR can affiliate as 'Activo' members under the same terms as UNLaR employees.
• VITTALcoreStrategic or Co-development PartnerOSUNLaR has a direct agreement with VITTAL, a La Rioja-based emergency and funeral services company, to provide 24/7 urgent care and funeral (sepelio) coverage for all affiliated members. This is listed as a key service offering on OSUNLaR's platform.
• Hospital Escuela y de Clínicas 'Virgen María de Fátima'coreStrategic or Co-development PartnerOSUNLaR's headquarters is located within the Hospital Escuela y de Clínicas 'Virgen María de Fátima' in La Rioja Capital. The hospital serves as a key provider for affiliated members, and the physical proximity facilitates coordinated care delivery.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Sancor Salud: Nationally distributed Argentine prepaid health plan with a cooperative ownership model analogous to OSUNLaR's community-owned structure; relevant for peer comparison on member acquisition and digital servicing.
• Galeno Argentina: Large Argentine prepaid health plan with its own hospital and provider network; competes for the same pool of university-affiliated members, particularly graduates who may opt for private prepaid coverage after age 50.
• Swiss Medical Group: Major Argentine prepaid health plan and provider network competing for the same member segments as university Obras Sociales; relevant for benchmarking digital service, plan tiering, and member acquisition outside the payroll-deduction model.
• OSDE: Argentina's largest private prepaid health plan (Medicina Prepaga) with nationwide provider networks and corporate/individual plans. Acts as the primary private-market alternative for university workers who opt out of the Obra Social system.

Direct peers

• OSUPE - Obra Social del Personal de la Universidad Nacional de la Patagonia San Juan Bosco: Patagonian university health fund operating under Law 24.741 with COSUN reciprocity; comparable regional footprint, small institutional base, and community-owned governance structure mirroring OSUNLaR.
• DOSPU - Obra Social del Personal Universitario (Universidad Nacional de San Luis): University Obra Social at UNSL with the same payroll-deduction funding model, PMO compliance, and COSUN membership; operates in a smaller, geographically constrained market similar to OSUNLaR.
• DASPU - Obra Social de la Universidad Nacional de Córdoba: DASPU is the university Obra Social for the National University of Córdoba, operating under the same Argentine Law 24.741 framework with payroll-deducted contributions, PMO-mandated coverage, and reciprocity through COSUN. It is the closest functional analog to OSUNLaR at a larger institution.
• OSPA - Obra Social del Personal de la Universidad Nacional de Cuyo: Health fund for the National University of Cuyo in Mendoza, operating with the same university-Obra Social model, PMO benefits, COSUN reciprocity, and add-on services like pharmacies and sports facilities comparable to OSUNLaR's portfolio.
• OSUNaM - Obra Social de la Universidad Nacional de Misiones: University health fund for UNaM staff in Misiones, governed by the same Law 24.741 with a COSUN reciprocity model and a similar captive payroll-deduction structure, making it a near-equivalent peer for benchmarking member services and digital offerings.

Others

• VITTAL: Argentine emergency medical and at-home care provider; already a strategic partner of OSUNLaR for emergency and funeral services, included as an adjacent ecosystem player relevant to member service design.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sharer.php
• LinkedInlinkedin.com/company/osunlar

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 OSUNLaR