Health Insurance Is A Contract With An Insurance Company That Covers Medical, Hospital, And Treatment Expenses, Providing Comprehensive Protection In The Event Of Illness Or Accident. There Are Various Options Available In The Market With Broad And Robust Coverage, Designed To Ensure Access To High-Quality Services.

In Colombia, These Policies Are Regulated By The Superintendencia Financiera And Operate Fully Independent Of The Mandatory Health Plan (Pos). Unlike Complementary Plans, A Private Health Policy Does Not Depend On The Eps Or Public Health System, As It Assumes The Full Cost Of Medical Care Without Requiring The Intervention Of The Public Health Provider.

Private Health Insurance Is Designed As An Alternative To Overcome The Limitations Of The Mandatory System, Offering Faster Access To Care, Top-Tier Specialists, Advanced Medical Technology, And Coverage Both Nationally And Internationally, Depending On The Plan Selected.

• • Extensive Provider Network: Access To A Wide Range Of Hospitals, Clinics, And Specialists Without The Restrictions Of A Closed Network.
  • Fast And Priority Care: Greater Efficiency In Scheduling Appointments, Surgeries, And Treatments.
  • National And International Coverage: Some Plans Include Protection Abroad For Medical Emergencies Or Specialized Treatments.
  • Reimbursement Options: Flexibility To Seek Medical Care Outside The Network And Request Reimbursements, Subject To Policy Terms.
  • Customizable Coverage And Deductibles: Ability To Tailor The Plan Based On Individual Needs And Budget.
  • Financial Protection: Shields Policyholders From Unexpected Expenses Caused By Illness Or Accidents, Safeguarding Financial Stability.

  Health Insurance Offers A Robust Alternative To Ensure Access To High-Quality Medical Care And Financial Protection, With Flexible Options Designed To Meet Diverse Profiles And Needs.

Prepaid Medicine Is A Private Healthcare Service That Provides Preferential Access To High-Quality Specialists, Clinics, And Hospitals. It Functions As A Complement To The Mandatory Healthcare System And Operates Under A Closed Provider Network, Without Reimbursement For Care Received Outside This Network.

It Allows Access To Quality Medical Services Without Compromising Personal Finances, Offering Coverage Beyond What The Mandatory Healthcare System Provides.

• Hospitalization, Surgery, And Medications.
• General And Specialized Medical Consultations.
• Laboratory Tests And Diagnostic Imaging.
• Treatments For Chronic And Catastrophic Illnesses.

• Undeclared Pre-Existing Conditions.
• Cosmetic Surgeries Without Medical Justification.
• Experimental And Infertility Treatments.

Any Resident Of Colombia Enrolled In The Healthcare System, Including Individuals, Families, And Companies Under Individual Or Group Plans.

The cost depends on factors such as age, selected coverage, and additional benefits. Group contracts often provide more competitive rates.

Yes, but each insurer must be informed. Claims should only be filed with one selected plan. Health insurance is strictly indemnity-based and must not generate profit.

It depends on the type of claim. Generally, you must submit the request along with invoices, medical records, and other documents required by the insurer. We provide guidance throughout the entire process.

You May File Through The Insurer, The Financial Consumer Ombudsman, Or The Financial Superintendence. For Prepaid Medicine, Complaints Are Handled Through The Entity Itself Or Supersalud. If The Insurer Is Registered Outside Of Colombia, Complaints Should Be Directed To The Insurer Or Its Regulatory Authority. As Intermediaries, We Always Accompany You, Provide Guidance, And Offer Legal Support When Necessary.

It Allows Transferring Coverage Between Insurers Without Losing Seniority Or Benefits, While Respecting Previously Established Conditions.