The short answer
At 35, a comprehensive health insurance plan costs about ≈ COP 360,762 to ≈ COP 509,854 a month plus VAT, and a premium one ≈ COP 514,000 to ≈ COP 746,000 plus VAT. Basic plans start at about ≈ COP 96,571 plus VAT. Age is what moves the price most.
Monthly price by age and plan
Approximate amounts in Medellín. If a plan does not accept new members at that age, we say so.
| Plan | Age 25 | Age 35 | Age 45 | Age 55 | Age 62 |
|---|---|---|---|---|---|
| SURA — Salud Global Premium plan | ≈ COP 601,726 + VAT | ≈ COP 601,726 + VAT | ≈ COP 840,159 + VAT | ≈ COP 1,057,837 + VAT | ≈ COP 1,640,928 + VAT |
| SURA — Salud Clásico Comprehensive plan | ≈ COP 503,355 + VAT | ≈ COP 503,355 + VAT | ≈ COP 698,866 + VAT | ≈ COP 867,811 + VAT | ≈ COP 1,287,868 + VAT |
| SURA — PAC «Salud Para Todos» (EPS SURA) Basic plan | ≈ COP 141,567 + VAT | ≈ COP 141,567 + VAT | ≈ COP 154,843 + VAT | ≈ COP 194,066 + VAT | No new members (max. age 59) |
| Bolívar — Salud Integral Premium plan | ≈ COP 454,000 + VAT | ≈ COP 514,000 + VAT | ≈ COP 637,000 + VAT | ≈ COP 940,000 + VAT | No new members (max. age 59) |
| Bolívar — Salud a su Medida — Plan L Comprehensive plan | ≈ COP 360,762 + VAT | ≈ COP 360,762 + VAT | ≈ COP 360,762 + VAT | ≈ COP 360,762 + VAT | ≈ COP 656,667 + VAT |
| Bolívar — Salud a su Medida — Plan M Basic plan | ≈ COP 96,571 + VAT | ≈ COP 96,571 + VAT | ≈ COP 96,571 + VAT | ≈ COP 96,571 + VAT | ≈ COP 96,571 + VAT |
| Allianz — Salud Gold Plus 2 Premium plan | ≈ COP 530,264 + VAT | ≈ COP 540,715 + VAT | ≈ COP 728,832 + VAT | ≈ COP 1,132,450 + VAT | ≈ COP 1,890,569 + VAT |
| Allianz — Salud Gold Plus 1 Comprehensive plan | ≈ COP 433,560 + VAT | ≈ COP 509,854 + VAT | ≈ COP 678,414 + VAT | ≈ COP 1,004,031 + VAT | ≈ COP 1,724,754 + VAT |
| Allianz — Salud Care 4 Basic plan | ≈ COP 355,337 + VAT | ≈ COP 371,192 + VAT | ≈ COP 496,499 + VAT | ≈ COP 760,649 + VAT | ≈ COP 1,237,887 + VAT |
| AXA Colpatria — Fesalud Amparado Premium plan | ≈ COP 746,000 + VAT | ≈ COP 746,000 + VAT | ≈ COP 890,000 + VAT | Quote with an advisor | Quote with an advisor |
| AXA Colpatria — Original Amparado Comprehensive plan | ≈ COP 414,000 + VAT | ≈ COP 414,000 + VAT | ≈ COP 551,000 + VAT | Quote with an advisor | Quote with an advisor |
MAPFRE (Excelencia, Preferencial and Vital) and Seguros Mundial (360 and Esencial) do not publish rates: their price is quoted directly with the advisor.
Prepaid medicine prices 2026 (Coomeva)
| Coomeva program | Age 25 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|---|
| Oro Plus | M ≈ COP 372,700 F ≈ COP 432,600 + VAT | M ≈ COP 401,300 F ≈ COP 488,000 + VAT | ≈ COP 600,600 + VAT | ≈ COP 600,600 + VAT |
| Plata Prime | 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 |
| Tradicional Especial | M ≈ COP 126,500 F ≈ COP 149,200 + VAT | M ≈ COP 126,500 F ≈ COP 149,200 + VAT | M ≈ COP 126,500 F ≈ COP 149,200 + VAT | M ≈ COP 139,900 F ≈ COP 185,200 + VAT |
Official 2026 rates of Coomeva Medicina Prepagada (Family Plan), monthly amount before VAT (5%). M: male · F: female. If you are a member of the Coomeva cooperative, the cheaper Member Plan applies. Plata Joven only accepts new members up to age 35.
All 7 Coomeva programs and their differences are in the prepaid medicine guide.
What makes the price vary
- Age, especially after 40 and after 50.
- Plan level: premium plans add a private room or suite, free choice of doctors or international coverage.
- Deductibles and copays: Bolívar Salud a su Medida plans cost less because they charge a deductible per event.
- City: in Bolívar Salud Integral, Barranquilla is more expensive from age 45.
- Health status: pre-existing conditions may lead to exclusions or special conditions.
To see the exact price for your age, with coverage side by side, use the health insurance comparison.
Get my health insurance quote See prices for my age
Frequently asked questions
How much does health insurance cost for a 35-year-old?
About ≈ COP 360,762 to ≈ COP 509,854 a month plus VAT for a comprehensive plan, and ≈ COP 514,000 to ≈ COP 746,000 plus VAT for a premium plan, depending on the insurer.
Why does the price rise so much with age?
Rates are set by age band because the likelihood of using medical services grows with age. The jump is usually noticeable after 40 and after 50, and it is applied at each renewal.
Does the price of health insurance change by city?
In some plans, yes. In Seguros Bolívar Salud Integral, Barranquilla has a higher rate from age 45: at 55 it costs ≈ COP 1,128,000 plus VAT versus ≈ COP 940,000 in Medellín. SURA also adjusts by city, although it does not publish that table.
Do the prices include VAT?
No. All amounts on this site are shown before VAT; for health policies VAT is 5% (Tax Code, article 468-3). Seguros Bolívar publishes Salud a su Medida rates with VAT included: we show them without VAT so you can compare on equal terms.
Sources and validity. Age and maternity rules taken from each company’s official policy terms and documents (SURA, Seguros Bolívar, Allianz, AXA Colpatria, MAPFRE and Seguros Mundial), reviewed between August and September 2026; you can see them all in health insurance policy terms. Reference prices: Seguros Bolívar’s official rate list (Salud a su Medida updated on 15 September 2026), 2026 tables from authorized intermediaries of SURA and Allianz, and a 2025 table from an authorized intermediary of AXA Colpatria (AXA does not publish a 2026 rate). MAPFRE and Seguros Mundial do not publish rates. All prices are monthly and before VAT (5%); Bolívar Salud a su Medida rates are published with VAT included and are shown here without it. They are approximate values, not a binding quote: each insurer sets the final rate based on your profile. Last reviewed: 2026-09-25.