The Health Superintendency and Occupational Risks (Sisalril) has had to change the platform used to transfer affiliates to stop the massive frauds committed by several Health Risk Administrators (ARS), while carrying out an audit in APSthe most repeat offender in this practice.
Miguel Ceara Hattonhead of the institution, and his team explained to Free Diary that he new system It has been implemented since November, uses biometric data to confirm the identity of the people and requires the recording of a video in which the member explicitly confirms their willingness to switch from ARS.
![[object HTMLTextAreaElement]](https://resources.diariolibre.com/images/2025/10/22/22102025-superintendencia-de-salud-y-riesgos-laborales---dare-collado9-4a52d64d.jpg "Sisalril changes transfers due to fraud and audits ARS APS")
The new modality has managed to reduce the number of complaints, but it fails to dissuade several ARS that insist on this practice with new methods of deception.
The Ceara Hatton management has been more drastic in punishing irregularities, but it still appeals to single sanction and the good will of those regulated, despite the fact that the Regulations for the organization and regulation of the ARS authorizes the Sisalril to dissolve the ARS for the systematic disregard of its instructions and for the “repeated failure to comply with legal obligations that affects the correct functioning of the system” (article 23).
All sanctions for fraudulent affiliate transfers in 2025 fell on APSan ARS that continues to operate normally after even refusing to provide the information requested by the Sisalrilwhich makes it difficult to obtain evidence for a criminal submission.
“For you to make a criminal submission due to a crime, you need the proof of crime. In this case it is very complex, because we cannot obtain through the ARS (APS), the audits on site extraordinary things that we did (we did not obtain) documentation or proof that they actually did that on a regular basis,” explains Ana Patricia Osserslegal director of the Sisalril
![[object HTMLTextAreaElement]](https://resources.diariolibre.com/images/2025/10/22/22102025-superintendencia-de-salud-y-riesgos-laborales---dare-collado3-19810632.jpg "Sisalril changes transfers due to fraud and audits ARS APS")
APS has been fined for 192.8 million pesos for the irregular transfer of 1,708 people from 2023.
The executives of the Sisalril They say that this company took advantage of the transition phase in which physical and digital procedures were allowed to enter a large number of fake affiliationsas well as the period of change of command at the institution in August 2024, when Ceara Hatton took office.
The entity ordered another forensic type audit to be carried out in Unipaymentthe computer system used to process transfers, to discover the routes that were used for the transfers. frauds
“Now we are in a investigative process with the technological platform to try to determine if it was the same system that they affected and it was through the system manipulation that they managed to do it. Because documentary evidence, the truth is that we could not raise it due to more information requirements, no matter how many extraordinary audits they did,” Ossers maintains.
For similar reasons, it is also complicated to order the return of memberships to the original ARS. Of the 1,552 cases for which APS was sentenced to pay 150.9 million pesos in September 2025 in the Resolution 13-2025it was only possible to order the return of the 39 who could be contacted and who signed a sworn declaration.
The ARS have different deadlines and ways to appeal the fines imposed on them, so it is not yet possible to know if APS will pay the 150.9 million, although the Sisalril He states that normally they disburse the amounts imposed. The money is delivered to the Social Security Treasury (TSS).
The audit
The Sisalril has an audit process open in APS that could provide evidence for higher sanctionsalthough judicial submission is ruled out. This survey evaluates the health services it provides, its financial operations and the department that manages membership records.
New methods
The Sisalril has launched an education campaign with the slogan “Don’t fall for the hook” to address a new method used by the promoters of some ARS to motivate or deceive users.
They offer them fictitious benefits in exchange for switching to another health insurance or they are given items, such as earphones.
The Sisalril issued a circular warning that It is prohibited to offer gifts and incentives with the sole objective of transferring membership.
Ossers says that now the claims of people who claim to have consented to the transfer in exchange for a gift and then want to cancel it.
He states that the Sisalril has begun to reverse those transfers and that is discouraging the ARS to continue with those actions.
Fewer transfers
He new system has managed to reduce the number of transfers due to family unification carried out by the ARS APSmany of which proved to be illegal because they did not have the consent of the owners.
APS effected 9,183 transfers of this type between January and October 2024, but after controls and surveillance in the process increased, the number fell to 691 in the same interval in 2025, according to a report presented by Manrique de la Cruz, in charge of the Department of Investigations and Sanctions of the Sisalril.
He added that APS was suspended the assignment of transfer users since September 1, 2025 and users who presented anomalies. These accesses are essential to enter the membership management platform.
APS carried out 91.84% of all transfers by family unification (7,159) that were carried out among all ARS between August and October 2024.
This number contrasts in relation to its competitors, since its 85,201 members They represent only 1.84% of the market.
Where to claim?
Users who have been victims of this mafia can take their claim to the Sisalril or to the General Directorate of Defense of Affiliates (DIDA), institution that reported having received 2,256 complaints regarding this issue between October 2024 and 2025.
