The short answer
In Colombia there are three ways to have private health care on top of your EPS: prepaid medicine, a health insurance policy and a complementary plan. All three require EPS affiliation. The difference is who treats you, how services are paid and how wide the coverage is. At 35, a comprehensive health policy costs about ≈ COP 360,762 to ≈ COP 509,854 a month.
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 |
| Preferente | M ≈ COP 219,800 F ≈ COP 245,300 + VAT | M ≈ COP 235,000 F ≈ COP 283,400 + VAT | M ≈ COP 235,000 F ≈ COP 283,400 + VAT | ≈ COP 353,900 + VAT |
| Plata Joven | M ≈ COP 192,300 F ≈ COP 234,600 + VAT | M ≈ COP 192,300 F ≈ COP 234,600 + VAT | No new members (max. age 35) | No new members (max. age 35) |
| 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 |
| Ambulatorio Especial | ≈ COP 111,200 + VAT | M ≈ COP 114,200 F ≈ COP 181,400 + VAT | M ≈ COP 114,200 F ≈ COP 181,400 + VAT | ≈ COP 199,400 + VAT |
| Ambulatorio Esencial | ≈ COP 97,500 + VAT | M ≈ COP 99,700 F ≈ COP 153,700 + VAT | M ≈ COP 99,700 F ≈ COP 153,700 + VAT | ≈ COP 169,000 + 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.
Compare these programs with health insurance policies in the prepaid medicine comparison: there you can see each one’s coverage and get a quote on WhatsApp.
Prepaid, policy or complementary: the differences
| Prepaid medicine | Health insurance policy | Complementary plan | |
|---|---|---|---|
| Who sells it | Prepaid medicine companies | Insurers | Your own EPS |
| Who supervises it | Superintendencia Nacional de Salud | Superintendencia Financiera | Superintendencia Nacional de Salud |
| How it works | Own or affiliated network of doctors and clinics, with vouchers or copays per service | Covers medical expenses under the policy terms; some plans allow free choice or reimbursement | Upgrades the basic EPS plan: direct appointments with specialists and a private room |
| International coverage | Depends on the plan | Available in premium plans (e.g. SURA Salud Global or AXA Fesalud) | Usually not |
| EPS required | Yes | Yes | Yes, and it must be the same EPS |
Which one suits you?
- If you want free choice of doctors or out-of-network coverage, a premium policy such as Allianz Gold Plus 2, which reimburses out-of-network care.
- If you travel or want international backup, plans such as SURA Salud Global or AXA Colpatria Fesalud, which include coverage or assistance abroad.
- If price is your priority, the deductible plans of Seguros Bolívar Salud a su Medida or, if you are with EPS SURA, its «Salud Para Todos» complementary plan.
- If you want prepaid medicine with VIP clinics, Coomeva Oro Plus or Plata Joven (under 35); on a tight budget, Preferente or Tradicional Especial.
- If you are over 60, first check the entry ages in the seniors guide.
- If you are pregnant or planning to be, check the maternity waiting periods in the pregnancy guide before choosing.
What we quote at Vera Seguros
As insurance advisors, we compare Coomeva prepaid medicine and health insurance policies and complementary plans from SURA, Seguros Bolívar, Allianz, AXA Colpatria, MAPFRE and Seguros Mundial. In the health insurance comparison you see approximate prices for your age and each plan’s coverage side by side; when you pick one, an advisor quotes it for you on WhatsApp at no cost.
I would like health advice See prices for my age
Frequently asked questions
How much does prepaid medicine cost in Colombia in 2026?
It depends on age, sex and program. At Coomeva Medicina Prepagada, at 35 it ranges from ≈ COP 99,700 (outpatient program) to ≈ COP 488,000 (Oro Plus, female) a month before VAT, according to its official 2026 rates.
What is prepaid medicine?
It is a voluntary health plan paid with a periodic fee that gives access to a private network of doctors, specialists and clinics, on top of what your EPS covers. It is offered by prepaid medicine companies supervised by the Superintendencia Nacional de Salud.
What is the difference between prepaid medicine and a health insurance policy?
Prepaid medicine works with a network of providers and vouchers or copays per service. A health insurance policy is insurance from an insurer supervised by the Superintendencia Financiera: it covers medical expenses under the policy terms and, in the most complete plans, allows free choice of doctors, reimbursement or international coverage. For the user, both give private access to specialists and hospitalization, as a complement to the EPS.
Can I have prepaid medicine or a health policy without an EPS?
No. Prepaid medicine, health insurance policies and complementary plans are additional health plans (Decree 806 of 1998) and require affiliation with the health system through an EPS.
How much does prepaid medicine or a health policy cost in 2026?
It depends mainly on age and plan. As a reference, the health policies we compare cost at 35 between ≈ COP 360,762 and ≈ COP 509,854 a month for a comprehensive plan, and between ≈ COP 514,000 and ≈ COP 746,000 for a premium plan. The most affordable options start at ≈ COP 96,571 (Bolívar Salud a su Medida plan M, outpatient) and the EPS SURA complementary plan at ≈ COP 141,567. These are monthly amounts before VAT (5%).
Do prepaid medicine or health policies cover pre-existing conditions?
It depends on the contract. When you join you must declare your health status, and conditions you already have may be excluded or subject to special conditions. That is why it pays to compare several companies before signing.
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.