The short answer
In Colombia you can buy health insurance after 60 with Allianz (up to 69 years and 364 days), SURA Salud Clásico (under 70) or Seguros Bolívar Salud a su Medida, which has no entry age limit. In every case membership is lifelong: once you are in, you are not removed for getting older.
Maximum entry age by insurer
| Company | Plan | Entry | Continuity | Source |
|---|---|---|---|---|
| SURA | Salud Global | Under 63 | Lifelong | Salud Global policy terms, section 2 |
| SURA | Salud Clásico | Under 70 | Lifelong | Salud Clásico policy terms, section 2 |
| SURA | PAC «Salud Para Todos» | 3 months to 59 years | No age-based removal | Policy terms, clause 2.2 |
| Seguros Bolívar | Salud Integral | Before turning 60 | Lifelong | Terms PH-028, clause 4.5 |
| Seguros Bolívar | Salud a su Medida (plans S and M) | No age limit | Lifelong | Policy terms, clause 4.2 |
| Seguros Bolívar | Salud a su Medida (plan L) | No age limit, with medical assessment | Lifelong | Policy terms, clause 4.5 |
| Allianz | Gold Plus and Care | Up to 69 years and 364 days | Unlimited | Underwriting technical guide, section 2.1.1 |
| AXA Colpatria | Fesalud and Original | Up to 63 | No maximum age | Official page of each plan |
| Seguros Mundial | Salud Mundial 360 and Esencial | 0 to 59 years | Unlimited | Policy terms, clauses 3.11 and 3.10 |
| Seguros Mundial | Mundial Silver (outpatient only) | From 55, no maximum age | Unlimited | Policy terms, clause 3.5 |
| MAPFRE | Excelencia, Preferencial and Vital | Up to 59 years and 364 days | No limit | Policy terms, clause 7 |
How much it costs at 60, 65 and 70
Approximate monthly amounts in Medellín. When a plan does not accept new members at that age, we say so.
| Plan | Age 60 | Age 65 | Age 70 |
|---|---|---|---|
| SURA — Salud Global | ≈ COP 1,640,928 + VAT | No new members (max. age 62) | No new members (max. age 62) |
| SURA — Salud Clásico | ≈ COP 1,287,868 + VAT | ≈ COP 1,287,868 + VAT | No new members (max. age 69) |
| SURA — PAC «Salud Para Todos» (EPS SURA) | No new members (max. age 59) | No new members (max. age 59) | No new members (max. age 59) |
| Bolívar — Salud Integral | No new members (max. age 59) | No new members (max. age 59) | No new members (max. age 59) |
| Bolívar — Salud a su Medida — Plan L | ≈ COP 360,762 + VAT | ≈ COP 656,667 + VAT | ≈ COP 656,667 + VAT |
| Bolívar — Salud a su Medida — Plan M | ≈ COP 96,571 + VAT | ≈ COP 96,571 + VAT | ≈ COP 96,571 + VAT |
| Allianz — Salud Gold Plus 2 | ≈ COP 1,572,483 + VAT | ≈ COP 1,890,569 + VAT | No new members (max. age 69) |
| Allianz — Salud Gold Plus 1 | ≈ COP 1,434,338 + VAT | ≈ COP 1,724,754 + VAT | No new members (max. age 69) |
| Allianz — Salud Care 4 | ≈ COP 917,293 + VAT | ≈ COP 1,237,887 + VAT | No new members (max. age 69) |
| AXA Colpatria — Fesalud Amparado | Quote with an advisor | No new members (max. age 63) | No new members (max. age 63) |
| AXA Colpatria — Original Amparado | Quote with an advisor | No new members (max. age 63) | No new members (max. age 63) |
What to know before you join
- The later, the fewer options. At 59 all six companies are available; at 64, Allianz, SURA Clásico, Bolívar Salud a su Medida and Mundial Silver; after 70, only Bolívar Salud a su Medida and Mundial Silver.
- Pre-existing conditions matter. Prior diagnoses increase with age, and each company decides whether to accept them, exclude them or set conditions. Declaring them honestly is mandatory (article 1058 of the Commercial Code).
- Some plans have no health assessment. Bolívar Salud a su Medida plans S and M do not consider your health status to join, but they are outpatient: they cover doctor visits and tests, not hospitalization.
- Get covered before the key birthday. If you are close to a limit (60, 63 or 70), the enrollment date decides whether you can join the plan you want.
Insurance for over 60s See prices for my age
Frequently asked questions
Up to what age can I join a health insurance plan in Colombia?
It depends on the plan. The widest limits are Allianz (up to 69 years and 364 days) and SURA Salud Clásico (under 70). Seguros Bolívar Salud a su Medida has no entry age limit, and Mundial Silver accepts people from 55 with no maximum age (outpatient services only). SURA Salud Global accepts people under 63, AXA Colpatria up to 63, Bolívar Salud Integral before turning 60 and MAPFRE up to 59 years and 364 days.
Can I be removed from my health insurance when I reach a certain age?
Not in the plans we compare: once you are in, membership is lifelong or unlimited under their policy terms. What does change with age is the rate, which is adjusted at each renewal by age band.
What medical tests are required to join after 55?
It varies by company. Allianz, for example, requires a medical assessment from age 55 under its underwriting technical guide; between 60 and 69 it asks for tests even if you come with continuity from another company, and asks women over 55 for a recent mammogram, pelvic ultrasound and Pap smear.
What is the most affordable option for someone over 70?
Among the plans we compare, the ones that accept new members after 70 are Seguros Bolívar Salud a su Medida and Mundial Silver (the latter is outpatient and does not publish a rate). Plan M has a single rate of ≈ COP 96,571 a month plus VAT at any age, but it is outpatient (it does not cover hospitalization). Plan L does include hospitalization and requires a medical assessment.
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.