Pipo Saúde
Pipo Saúde is a Brazilian digital health insurance broker that combines a proprietary HR management platform, a 24/7 member telehealth platform, and an in-house clinical team to manage corporate health benefits for medium and large Brazilian enterprises, currently covering 221,000+ lives across 177 companies.
- Company typePrivate
- Founded2019
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Pipo Saúde does
Pipo Saúde is a Brazilian digital health insurance broker (corretora de planos de saúde empresariais) that combines proprietary technology, data analytics, and an in-house clinical team to manage corporate health benefits for medium and large Brazilian enterprises. Founded in 2019 and headquartered in São Paulo under the regulated entity PIPO SAÚDE TECNOLOGIA CONSULTORIA E CORRETAGEM DE SEGUROS S.A. (SUSEP nº 202041377), the company intermediates and administers corporate health plans for 177 companies covering more than 221,000 lives with over R$840M in benefit contracts under management.
The product stack comprises three layers: a centralized HR-facing platform (Plataforma Pipo) with a proprietary payroll API for automated employee data synchronization; a member-facing health platform (Pipo Cuida) providing 24/7 teleconsultation, mental health support, chronic case monitoring, and programs such as Pinguim for maternal health; and an in-house clinical team (Time de Saúde) of nurses and doctors delivering proactive population health management. Supporting modules include BI de Saúde analytics dashboards, strategic benefits consulting, and the IndicaPipo referral program. The platform applies predictive analytics for premium forecasting and anomaly detection on claims, with the company claiming 9 percentage points lower sinistralidade versus market average and 21% smaller premium readjustments for clients.
Pipo generates revenue through commissions earned from health plan operators on intermediated premiums (a transaction-fee brokerage model). Distribution is conducted exclusively through direct enterprise field sales targeting HR and finance leaders, supplemented by digital lead capture (website quote forms), content marketing, the Gente Gestão & Futuro annual conference, and partner referrals. Since 2019 the company has raised approximately $31M+ in disclosed funding, including a 2020 seed/Series A1 round led by Kaszek and Monashees, a July 2021 Series A led by Thrive Capital with Monashees, Kaszek, and OneVC, and follow-on capital in 2024 from FJ Labs, Kaszek, Monashees, Scale-Up Ventures, and Thrive Capital.
Pipo Saúde firmographics
Firmographics- Name
- Pipo Saúde
- Legal name
- PIPO SAÚDE TECNOLOGIA CONSULTORIA E CORRETAGEM DE SEGUROS S.A.
- Website
- https://piposaude.com.br
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Pipo Saúde is a Brazilian digital health insurance broker that combines a proprietary HR management platform, a 24/7 member telehealth platform, and an in-house clinical team to manage corporate health benefits for medium and large Brazilian enterprises, currently covering 221,000+ lives across 177 companies.
- Ownership category
- akta.pro rank
Pipo Saúde industry classification
Industry- Product category
- Corporate Health Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Lower Middle-Market Business Brokerage (FSAEAIAB)
Keywords
Where Pipo Saúde is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Pipo Saúde business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Brokerage Commission on Health Plans: Pipo Saúde operates as a licensed insurance broker (Corretora de planos de saúde empresariais). The company earns commissions from health insurance operators for intermediating the sale and management of corporate health plans. Revenue is generated through commissions on insurance premiums paid by client companies.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels11 records
Pipo Saúde product offering
Product offeringCore offering
Pipo Saúde is a licensed Brazilian health insurance broker (corretora) that sells and manages corporate health plans for enterprises, combining a proprietary benefits-management platform with an in-house health team that provides 24/7 teleconsultation, population health mapping, risk monitoring, and fraud detection for client workforces.
Product overview
Pipo Saúde is a digital corporate health insurance broker (corretora de planos de saúde empresariais) operating as a unified platform-plus-services model. The core offering combines the Plataforma Pipo (centralized HR management platform) with Pipo Cuida (member-facing health platform), supported by an internal Time de Saúde (dedicated health team). Key modules include the proprietary API for payroll integration, BI de Saúde for analytics, the IndicaPipo referral program, and strategic consulting services. The platform serves over 221,000 lives across 177 companies, managing health benefits from contracting through renewal while providing 24/7 telehealth care and population health management—all with claims rates 9 percentage points below market average.
Differentiator
Problem solved
Functional benefit
Brands
- Pipo Cuida: Member health platform providing 24/7 teleconsultation with doctors and nurses, health counseling, and mental health support at no additional cost.
Products and services
- Plataforma Pipo Proprietary web-based platform used by client HR teams and Pipo operators to quote, contract, manage and administer corporate health plans end-to-end, including onboarding, eligibility, payroll integration and renewals.
- Pipo Cuida Member-facing health companion for employees and dependents covered by Pipo-managed plans, providing access to teleconsultations, health guides, self-service tools, and direct contact with Pipo's in-house health team.
- Time de Saúde (Health Team) Pipo's dedicated in-house clinical team offering 24/7 teleconsultation, risk monitoring, second medical opinions, health journey follow-up, and coordination of care for members of client companies.
- Benefícios Consulting & Brokerage Services Licensed corretora services helping employers select, negotiate, contract, renew and manage health plans with operators such as Amil, Bradesco Saúde, SulAmérica, Porto Seguro and NotreDame Intermédica, supported by data-driven recommendations.
- Programa Pinguim Dedicated maternal and pregnancy care program providing expectant mothers with proactive monitoring, education and clinical follow-up from Pipo's health team throughout gestation and postpartum.
Quantifiable outcome
- Sinistralidade 9 percentage points lower than market average
- +7 more outcomes
Companies that use Pipo Saúde
Customer profileNamed customers16 records
Segments3 records
Ideal customer profiles2 records
Pipo Saúde technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature5 records
Pipo Saúde partnerships and signals
Strategic signalScale indicators15 records
Recent moves6 records
Expansion highlights6 records
Pipo Saúde competitors and assessment
Company assessmentBroad incumbents
- Alan: France-based digital health insurance platform for employers and individuals with a vertically integrated care model. International analog to Pipo's tech-plus-care hybrid in the corporate health benefits space, though at a more mature scale and different geography.
- Collective Health: US-based employer health benefits platform combining plan administration, navigation, and analytics for self-funded employers. Closest international analog to Pipo's enterprise-focused tech-enabled benefits platform with population health analytics, though at larger scale and serving a different market.
Direct peers
- Caju Benefícios: Brazilian B2B benefits platform offering multi-category benefits (meal, culture, health, mobility) cards to corporate clients. Closely comparable to Pipo as a Brazilian enterprise-focused benefits intermediary with embedded tech and a large corporate client base.
- Vee Benefícios: Brazilian B2B benefits platform offering flexible multi-benefit cards (meal, food, health, culture) with payroll integration. Directly comparable to Pipo's enterprise sales motion and platform-based approach to corporate benefits management.
- Flash Benefícios: Brazilian corporate benefits platform providing flexible multi-benefit cards and HR integrations. Operates in the same enterprise GTM motion (HR/CFO buyers) and competes for the same wallet in Brazilian corporate benefits, including health-adjacent products.
- Up Brasil (PicPay Benefícios): Long-standing Brazilian benefits and voucher company (meal, food, culture, health cards), now part of PicPay. Directly competes for the corporate benefits wallet with a broader product suite and incumbent distribution scale.
- Allcare (BD Benefícios): Brazilian corporate benefits administration platform with health and well-being offerings for enterprise clients. Comparable in targeting HR/CFO buyers with a tech-enabled benefits platform in the same geography and customer segment.
Emerging players
- Z1 (formerly PlanoSim): Brazilian digital-first health insurance platform (originally focused on individual/SMB plans). Operates in the same health insurance intermediation category as Pipo but targets a different (smaller) end of the market, making it more of a partial/adjacent competitor.
- Conexa Saúde: Brazilian telehealth and integrated corporate health platform serving enterprises and health plans. Comparable to Pipo's Pipo Cuida and Time de Saúde offerings (teleconsultation, population health), but with a primary telehealth focus rather than brokerage.
- Sami: Brazilian digital health plan operator offering corporate health plans directly (vertical integration). Comparable to Pipo in the corporate health benefits space but operates as an operator/insurer rather than a broker, serving as an alternative path for the same corporate buyer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Pipo Saúde social profiles
Digital presencePipo Saúde financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pipo Saúde leadership team
Management profileNumber of profiles
Profiles3 records
Pipo Saúde funding detail
Funding detailFunding overview
Funding rounds6 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pipo Saúde M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pipo Saúde
What does Pipo Saúde do?
Pipo Saúde is a licensed Brazilian health insurance broker (corretora) that sells and manages corporate health plans for enterprises, combining a proprietary benefits-management platform with an in-house health team that provides 24/7 teleconsultation, population health mapping, risk monitoring, and fraud detection for client workforces.
Is Pipo Saúde a public or private company?
Pipo Saúde is a private company. It is classified as venture growth investor backed and is currently operating.
When was Pipo Saúde founded?
Pipo Saúde was founded in 2019. It employs 101 to 250 people.
Where is Pipo Saúde based?
Pipo Saúde is headquartered in São Paulo, Brazil, in the Latin America region.
How does Pipo Saúde make money?
One revenue line is on record: brokerage Commission on Health Plans.
Who are Pipo Saúde's main competitors?
Broad incumbents on record are Alan and Collective Health. Direct peers are Caju Benefícios, Vee Benefícios, Flash Benefícios, Up Brasil (PicPay Benefícios) and Allcare (BD Benefícios). Emerging players are Z1 (formerly PlanoSim), Conexa Saúde and Sami.
Does Pipo Saúde have an API?
Yes. Pipo provides its own proprietary API with complete documentation for clients to integrate with their payroll systems. The API enables automatic synchronization of employee data between the client's payroll system and Pipo's platform, eliminating manual data entry, reducing errors, and enabling faster access to benefits.
What industry is Pipo Saúde in?
Pipo Saúde's product category is Corporate Health Insurance Brokerage. Its primary akta.pro industry code is FSAEAIAB, Lower Middle-Market Business Brokerage. Its NAICS code is 52421 and its SIC code is 6411.