Question 1

What is Coopemédicos R.L.?

Accepted Answer

Coopemédicos R.L. (Cooperativa de Ahorro, Crédito y Servicios Múltiples de los Médicos R.L.) is a savings and credit cooperative exclusively serving medical professionals in Costa Rica. With the legal identification number 3-004-071101, it operates as a closed cooperative that accepts only physicians and employees of the cooperative as members. The institution is supervised by SUGEF (Superintendencia General de Entidades Financieras), Costa Rica's financial regulatory authority, and operates under Law 7391, which regulates the financial intermediation activities of cooperative organizations.

Question 2

When was Coopemédicos R.L. founded?

Accepted Answer

Coopemédicos R.L. was founded on September 29, 1984. The cooperative was established by a group of visionary physicians including Dr. Walter Cavallini Campos, Dr. Humberto Ramírez Gonzaga, Dr. José Ricardo Alfaro Rodríguez, Dr. Hernán Barquero Montes de Oca, Dr. Walter Goebel Prestinary, Dr. Fernando Mora Balma, Dr. Cecilia Mora Jiménez, and Dr. Delsa Rangel Salcedo.

The initiative emerged from a meeting of the Board of Governors of the College of Physicians and Surgeons (Colegio de Médicos y Cirujanos), presided over by Dr. Juan Luis Delgado Monge. The cooperative was legally registered under resolution No. 678 of the Public Registry of Cooperative Associations of the Department of Social Organizations of the Ministry of Labor and Social Security. Dr. Cecilia Mora Jiménez served as the first General Manager.

Initially, the cooperative operated within offices inside the College of Physicians and Surgeons. Over time, it acquired its own building adjacent to the College. In 2007, responding to significant growth, the cooperative moved operations to a larger building. By 2015, it had acquired a new building housing corporate offices and service platforms, while maintaining a client service team at the Almacén Médico (Medical Store) location.

Question 3

Where is Coopemédicos R.L. headquartered?

Accepted Answer

Coopemédicos R.L. is headquartered in Sabana Sur, San José, Costa Rica. The specific address is 150 meters east and 150 meters south of the College of Physicians and Surgeons of Costa Rica (Colegio de Médicos y Cirujanos de Costa Rica), in the Mata Redonda district. The postal address is P.O. Box: 775-1150, San José, Costa Rica.

The cooperative maintains corporate offices and service platforms at this location, with an additional service point at the Almacén Médico location.

Question 4

Where does Coopemédicos R.L. operate?

Accepted Answer

Coopemédicos R.L. operates primarily in the San José metropolitan area, specifically in the Sabana Sur district of Mata Redonda. The cooperative does not maintain branch offices or agencies, concentrating all its operations at its main headquarters location. Services are available throughout Costa Rica via digital platforms, enabling members from across the country to access the cooperative's offerings regardless of their physical location.

Question 5

What services does Coopemédicos R.L. offer?

Accepted Answer

Coopemédicos R.L. provides a comprehensive range of financial services tailored to the medical profession:

Savings Products: The cooperative offers various savings plans designed to meet different financial objectives, including regular savings accounts, term deposits with competitive interest rates, Christmas savings programs, and vehicle registration savings accounts.

Credit Services: Multiple loan products are available, including liquid loans, consumer loans, mortgage loans, credit against savings (back-to-back loans), and pawn loans. The cooperative also provides flexible credit options such as FlexiCoop.

Card Services: Members can access credit and debit cards specifically designed for physicians, offering personalized solutions to their financial needs.

Insurance Products: Professional liability insurance protects members against potential issues arising during the practice of their profession. The cooperative also offers various insurance products for the security and protection of members and their families.

Medical Services: 24/7 general medical care is available for members and their families, providing healthcare services at any time and anywhere in the country.

Digital Banking: The cooperative provides a full suite of digital services including online banking platforms, a mobile app for transactions on-the-go, and SINPE Móvil service for commission-free transfers between contacts.

Almacén Médico (Medical Store): Through the subsidiary Almacén Médico Cooperante S.A., members have access to medical supplies, equipment, and products with exclusive discounts.

Additional Services: Real estate advisory services with financial advisors to facilitate property sales, exclusive travel packages, and benefits programs with discounts for members at various establishments.

The cooperative operates Monday through Friday from 8:00 AM to 5:00 PM, with the Almacén Médico platform also open on Saturdays from 8:00 AM to 12:00 PM.

Question 6

What makes Coopemédicos R.L. unique?

Accepted Answer

Coopemédicos R.L. is the only cooperative in Costa Rica exclusively dedicated to serving the medical profession. This specialized focus allows it to design financial products and services specifically tailored to the unique needs and circumstances of physicians.

The cooperative's closed membership model ensures that services remain focused on the medical community, fostering a strong sense of professional solidarity and mutual support. This specialization extends to understanding the income patterns, professional risks, and financial planning needs specific to medical practitioners.

The integration of healthcare services with financial services is distinctive—members receive 24/7 medical attention for themselves and their families, combining financial wellbeing with healthcare access. The provision of professional liability insurance demonstrates the cooperative's understanding of the specific risks faced by medical professionals.

The cooperative operates with transparency, making financial statements, reports, and regulations publicly available to members. Its governance structure, elected from among the medical community, ensures that decision-making reflects the interests and priorities of physician-members.

Question 7

What type of financial institution is Coopemédicos R.L.?

Accepted Answer

Coopemédicos R.L. is a Cooperativa de Ahorro y Crédito (Savings and Credit Cooperative) under Costa Rican law. This classification places it within the category of mutual savings and credit entities that conduct financial intermediation activities under the supervision of SUGEF.

As a cooperative, it operates under the principles of limited liability (R.L. - Responsabilidad Limitada), with variable and unlimited capital and indefinite duration. The cooperative is structured as a member-owned financial institution where associates are both owners and users of services.

Under Costa Rica's regulatory framework, particularly Law 7391 (Law on the Regulation of Financial Intermediation Activities of Cooperative Organizations), Coopemédicos R.L. functions as a supervised financial intermediary. This means it must comply with capital adequacy requirements (minimum 10% under Regulation SUGEF 3-06), undergo regular financial stability assessments, and maintain reserves for risk management.

The cooperative's closed nature distinguishes it from open cooperatives—it exclusively accepts physicians and cooperative employees as members, creating a specialized niche financial institution within Costa Rica's broader cooperative financial sector.

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