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Health insurance in Colombia for expats and residents
Compare SURA, Coomeva, Seguros Bolívar, Allianz, AXA Colpatria, MAPFRE and Seguros Mundial with prices by age, and get free advice in English on WhatsApp from our office in Medellín.
Official partners of Seguros SURA
The short answer for expats
If you live in Colombia, you must be enrolled in an EPS (the public health system), and private plans are bought on top of it: health insurance policies and prepaid medicine plans require EPS affiliation (Decree 806 of 1998). At 35, a comprehensive health insurance policy costs ≈ COP 360,762 to ≈ COP 509,854 a month plus VAT (5%); the price depends mostly on your age.
2026 prices by age: one plan per company
The comprehensive plan of each company, per month, before VAT, for one person in Medellín. Coomeva rates differ by sex (M/F).
| Company and plan | Age 25 | Age 35 | Age 45 | Age 55 | Age 65 |
|---|---|---|---|---|---|
| Coomeva Medicina Prepagada Plata Prime · prepaid medicine | M ≈ COP 310,700 F ≈ COP 345,000 + VAT | M ≈ COP 328,500 F ≈ COP 394,900 + VAT | M ≈ COP 328,500 F ≈ COP 394,900 + VAT | ≈ COP 490,100 + VAT | No new members (max. age 59) |
| Seguros SURA Salud Clásico · health insurance policy | ≈ COP 503,355 + VAT | ≈ COP 503,355 + VAT | ≈ COP 698,866 + VAT | ≈ COP 867,811 + VAT | ≈ COP 1,287,868 + VAT |
| Seguros Bolívar Salud a su Medida — Plan L · health insurance policy | ≈ COP 360,762 + VAT | ≈ COP 360,762 + VAT | ≈ COP 360,762 + VAT | ≈ COP 360,762 + VAT | ≈ COP 656,667 + VAT |
| Allianz Salud Gold Plus 1 · health insurance policy | ≈ COP 433,560 + VAT | ≈ COP 509,854 + VAT | ≈ COP 678,414 + VAT | ≈ COP 1,004,031 + VAT | ≈ COP 1,724,754 + VAT |
| AXA Colpatria Original Amparado · health insurance policy | ≈ COP 414,000 + VAT | ≈ COP 414,000 + VAT | ≈ COP 551,000 + VAT | Quote with an advisor | No new members (max. age 63) |
| MAPFRE Salud Preferencial · health insurance policy | Quote with an advisor | Quote with an advisor | Quote with an advisor | Quote with an advisor | No new members (max. age 59) |
Rates from our own comparison tool, with the source and date of each rate: official rate lists (Coomeva 2026, Seguros Bolívar September 2026), authorized intermediaries’ tables (Allianz 2026, AXA Colpatria 2025) and a market reference for SURA. MAPFRE and Seguros Mundial do not publish rates. Approximate values, not a binding quote. All plans and ages are in the 2026 health insurance price guide.
What expats need to know before buying
- All residents of Colombia must be enrolled in the health system (EPS); the law does not distinguish by nationality. (Ley 1438 de 2011, art. 32 (Secretaría del Senado))
- To enroll in an EPS, foreigners identify themselves with a foreigner ID card (cédula de extranjería), passport, diplomatic card or safe-conduct, as applicable. (Decreto 780 de 2016, art. 2.1.3.5 (Función Pública))
- The foreigner ID card (cédula de extranjería) is issued to foreigners holding a visa valid for more than 3 months. (Migración Colombia (Base del conocimiento v47, 2025))
- Digital nomad visa (V): requires a health policy covering Colombia for the whole stay, plus minimum income of 3 Colombian minimum wages. (Cancillería (Resolución 5477 de 2022, texto compilado))
- Retiree visa (M): you must show health coverage in Colombia (e.g. an EPS) or a health policy covering Colombia. (Cancillería (Resolución 5477 de 2022, texto compilado))
- SURA Plan Salud Clásico: accepts residents and non-residents of Colombia, under 70 at enrollment. (SURA (clausulado Plan Salud Clásico))
- SURA Plan Salud Global: accepts residents and non-residents of Colombia, under 63 at enrollment. (SURA (clausulado Plan Salud Global))
- At SURA (Clásico and Global), anyone residing in Colombia must be enrolled and active in a contributory EPS while holding the policy. (SURA (clausulado Plan Salud Global))
Visa by visa, with every official source, in health insurance for foreigners in Colombia. Over 60? Age limits for new members are in the seniors guide.
Looking for health insurance for someone over 60?
Health insurance and prepaid health plans comparison
Legal information
Nature of the information. Prices shown are approximate and for information only. They are reference rates collected from insurers’ price lists and authorized intermediaries’ tables, each with the stated validity. They are not a firm quote, a commercial offer under articles 845 and following of the Colombian Commercial Code, an insurance proposal or a promise to contract, and they create no obligation for Vera Asesores Ltda.
Our role. Vera Asesores Ltda., NIT 901.039.892-0, acts only as an insurance intermediary. Rates, coverage, exclusions, deductibles, waiting periods and eligibility rules are set and changed by each insurer.
Coverage and policy terms. Coverage descriptions are a general summary; their scope is governed by each policy’s terms. Buying is subject to a truthful health declaration (article 1058 of the Commercial Code) and to the insurer’s acceptance.
Consumer rights. Under Law 1328 of 2009 you are entitled to accurate, sufficient and timely information from the insurer before buying. Insurers are supervised by the Superintendencia Financiera de Colombia; prepaid health companies by the Superintendencia Nacional de Salud.
Personal data. Data you provide is processed under Law 1581 of 2012 and Decree 1377 of 2013. You can access, update, correct or delete your data, or revoke your authorization, by writing to info@veraseguros.com. See the Personal Data Policy (in Spanish).
Health insurance FAQ
How much does health insurance cost in Colombia?
It depends mainly on age and plan. Use the comparison above to see reference prices for your exact age, before VAT (5%).
Can foreigners get health insurance or prepaid medicine in Colombia?
These plans require affiliation with an EPS, Colombia’s mandatory health system (Decree 806 of 1998). Other requirements depend on each company; we check your case for free.
What is the difference between prepaid medicine and a health insurance policy?
Prepaid health plans (medicina prepagada) work with a network of doctors and clinics and a fee per service, and are supervised by the Superintendencia Nacional de Salud. Health insurance policies cover medical expenses under their policy terms and are supervised by the Superintendencia Financiera.
Do these plans cover pre-existing conditions?
It depends on the contract. You must declare your health status when you join, and existing conditions may be excluded or have special conditions.
Do the plans cover pregnancy?
Usually only pregnancies that start after joining, with waiting periods set by each plan. Turn on “Are you pregnant?” in the comparison to see each plan’s rule.
Want help choosing a health plan?
Get a health insurance quoteCoverage, premiums, deductibles and conditions depend on each insurer’s review and underwriting rules. This information is for guidance only and does not replace the policy terms.