Full Health
Plena Saúde S.A. (Full Health) is a São Paulo-based, ANS-regulated Brazilian health insurance operator serving 150,000+ beneficiaries with tiered health and dental plans, integrated Hospital Previna facilities, and AI-powered digital triage across broker, direct, and digital channels.
- Company typePrivate
- Founded1986
- HeadquartersSão Paulo, Brazil
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Full Health does
Plena Saúde S.A. (doing business as Full Health) is a Brazilian health insurance operator (operadora de saúde) regulated by the Agência Nacional de Saúde Suplementar under operator code 34883-0, headquartered in São Paulo, Brazil. The company offers tiered health and dental insurance plans to individual subscribers, families, small and medium enterprises (PME with under 29 lives under collective contracts regulated by ANS RN-309), and larger corporate clients, serving more than 150,000 beneficiaries. The company operates an integrated care ecosystem that combines its proprietary Hospital Previna, regional clinics within the São Paulo metropolitan area, contracted laboratories, and urgent care facilities, with distribution spanning licensed brokers (Canal do Corretor), direct corporate sales, and digital self-service channels.
The product portfolio encompasses approximately fifteen health plan variants across price tiers (Bronze, Ouro, Ouro 20 with coparticipation, Platinum PJ, Platinum II, Diamond, Onix, Confort 200/400/600, Jade, Citrino, Gold 10/30, APABEN, Max, Pop, Executivo), alongside standalone dental plans (Odonto Standard and Odonto Standard PJ). The technology stack features an AI-powered digital triage system (Pronto Atendimento Digital) that processes patient text symptoms to provide care guidance, AI-assisted diagnostic decision support for clinicians, and the Lena virtual assistant chatbot for beneficiary self-service. The company integrates telehealth via Amplimed, online scheduling through Kompa, dental network access through OdontoSfera, imaging results through NetPACS, certificate validation through PlenaConsultas, online sales through Planium, and corporate HR administration through the Corpore.Net portal, with the Aliança AppNet2 web and mobile portal unifying beneficiary, provider, and corporate access.
Revenue is generated primarily through recurring monthly and annual subscription premiums for health and dental plans, supplemented by usage-based coparticipation fees deducted within 60 days of consultations or exams on select tiers. Plan pricing is segmented by coverage level (ambulatory, hospital, obstetric), room type (enfermaria or apartamento), contract type (individual, PME, corporate PJ, adhesion), and tier, with annual price adjustments governed by ANS regulations (7.23% applied for 2026/2027, down from 14.53% in 2025/2026 and 17.16% in 2024/2025). The company has achieved ANS IDSS performance ratings annually from 2018 through 2024, complies with Brazil's LGPD data protection law, and operates under a marketing footprint across major digital channels including content, paid social, referral programs, and organic search.
Full Health firmographics
Firmographics- Name
- Full Health
- Legal name
- PLENA SAÚDE S.A.
- Website
- https://plenasaude.com.br
- Company type
- Private
- Founded year
- 1986
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Plena Saúde S.A. (Full Health) is a São Paulo-based, ANS-regulated Brazilian health insurance operator serving 150,000+ beneficiaries with tiered health and dental plans, integrated Hospital Previna facilities, and AI-powered digital triage across broker, direct, and digital channels.
- Ownership category
- akta.pro rank
Full Health industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Hospital & Medical Service Plans (6324), Services-General Medical & Surgical Hospitals, Nec (8062)
- akta.pro primary industry
- Fully Insured Group Health Plans (Employer-Sponsored) (FSAIAFAA)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), Individual Dental Insurance (FSAIAEAE)
Keywords
Where Full Health is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Full Health business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Health Insurance Premiums: Monthly and annual health insurance premiums collected from individual, family and corporate subscribers. Plans include tiered options (Bronze, Ouro, Platinum, Diamond) with varying coverage levels and coparticipation models.
- Dental Insurance Premiums: Separate dental plan (Odonto) subscriptions offered standalone or bundled with health plans, providing recurring premium revenue.
- Coparticipation Fees: Coparticipation charges deducted from salary within 60 days of consultations or exams, providing usage-based revenue component on top of base premiums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | PLENA SAÚDE - BRONZE |
| Subscription | Monthly | PLANO REFERENCIA MASTER / EXECUTIVO |
| Subscription | Monthly | PLENA OURO |
| Subscription | Monthly | PLENA PLATINUM PJ |
| Subscription | Monthly | PLENA DIAMANTE / PLENA ONIX |
| Subscription | Monthly | CONFORT Series (200/400/600) |
| Subscription | Monthly | JADE 200 Plans |
| Subscription | Monthly | ODONTO STANDARD |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Full Health product offering
Product offeringCore offering
Full Health operates as a Brazilian ANS-regulated health insurance operator selling individual, family and corporate health and dental insurance plans across multiple coverage tiers (Bronze, Ouro, Gold, Platinum, Diamante, plus corporate variants like Confort, Jade, Citrino and APABEN). The company underwrites recurring monthly/annual premiums and delivers care through its own integrated provider network including Hospital Previna, clinics, laboratories and urgent care facilities, augmented by AI-powered digital triage, telehealth, virtual assistant (Lena), and corporate HR/benefits portals.
Product overview
Full Health (Plena Saúde) is a Brazilian health insurance operator offering a unified portfolio of health insurance, dental insurance, and integrated healthcare services. The product portfolio includes individual and corporate health plans (with tier variants: Master, Bronze, Executivo, Ouro, Platinum, Platinum II, Onix, Diamante, Gold, Jade, Citrino, Confort, Max, Pop, APABEN), standalone dental plans (Odonto Standard), and proprietary healthcare infrastructure (Hospital Previna). Supporting digital services include AI-powered digital triage (Pronto Atendimento Digital), virtual assistant Lena, telehealth consultations, online scheduling, exam results portal, and corporate HR portals. Plans are segmented by coverage level (A+H+OB, A+H+O+OB), room type (enfermaria/apartamento), and contract type (individual, PME, corporate PJ, adhesion), with pricing subject to ANS-regulated annual adjustments.
Differentiator
Problem solved
Functional benefit
Brands
- Hospital Previna: Proprietary hospital operated by Plena Saúde as part of its integrated healthcare network.
- Plena Odonto
Products and services
- Individual Health Plans (Planos de Saúde para Pessoa Física) Individual health insurance plans (Plano Referência Master, Plena Bronze, Plena Ouro, Plena Ouro 20 com Coparticipação, Plena Onix, Plena Diamante, Plano Executivo, Gold 10/30) providing medical coverage for consultations, exams, hospitalizations, obstetric and urgent care services for individual and family subscribers.
- Corporate Health Plans (Planos de Saúde Empresariais) Group health insurance plans for businesses including PME (Plano Referência Master / Executivo for 2-29 lives), CONFORT 200/400/600 PJ/ADS, JADE 200 PJ/ADESÃO, CITRINO PJ, Plena Platinum PJ, Plena Platinum II, APABEN, and MAX/POP Empresarial variants with enfermaria or apartamento room options and optional coparticipation.
- Dental Plans (Plano Odonto / Plano Odontológico / Odonto Standard) Dental insurance plans (Plena Odonto brand) providing coverage for dental consultations, procedures, and oral health services, available as standalone products or bundled with health plans, for individuals (Odonto Standard) and corporate groups (Odonto Standard PJ).
- Hospital Previna Owned hospital facility (estrutura própria) operated by Plena Saúde providing integrated hospital care including surgeries, maternity packages (Pacote Parto), and emergency services as part of the integrated healthcare ecosystem serving beneficiaries across the São Paulo region.
- Telehealth (Teleatendimento) Remote healthcare consultation service (Teleatendimento Plena via Amplimed) enabling beneficiaries to connect with healthcare providers via video or phone for non-emergency medical issues and AI-powered symptom assessment.
Quantifiable outcome
- 150,000+ beneficiaries served across health and dental plans
- +2 more outcomes
Companies that use Full Health
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Full Health technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability5 records
Feature3 records
Full Health partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Hemocentro São LucascorePartner blood center providing blood donation and transfusion services. Supports the healthcare ecosystem's hospital services and emergency care needs.
- AACDminorSocial responsibility partnership supporting the Association for Assistance to Disabled Children through donations, demonstrating corporate social responsibility commitment.
- Fundação AbrigominorSocial responsibility partnership with charitable foundation, supporting community welfare programs through corporate donations.
- Selo SolarminorSustainability certification partnership recognizing environmental commitment and renewable energy practices.
- Rede Credenciada (Network of Providers)coreExtensive network of contracted healthcare providers including hospitals, clinics, laboratories and specialists serving plan beneficiaries across the São Paulo region.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Full Health competitors and assessment
Company assessmentBroad incumbents
- Unimed: Largest cooperative health system in the world, with hundreds of regional Unimed operators. Plena is itself a 'Certificado Unimed – Categoria Prata' recipient and competes with local Unimed units in the São Paulo region for individual and SME lives.
- SulAmérica Saúde: National health, dental, and group life insurer with strong presence in corporate benefits. Overlaps with Plena in São Paulo corporate and SME segments and competes on tiered product portfolios.
- Amil: One of Brazil's largest health plan operators, serving millions of beneficiaries across individual, family, and corporate segments nationally. Amil competes directly with Plena in the São Paulo market and across all plan tiers, with a much larger scale and broader provider network.
- Hapvida: Largest vertically integrated health plan and hospital operator in Brazil, combining owned provider networks with insurance underwriting. Competes with Plena on the same integrated care thesis but at national scale and post-NDI combination.
- Bradesco Saúde: Major Brazilian group health insurer distributed through the Bradesco financial network. A frequent competitor for corporate/SME RFPs against Plena, with stronger brand recognition and broader geographic coverage.
- NotreDame Intermédica: Vertically integrated Brazilian health insurer and hospital operator (now part of Hapvida). Operates owned hospital and clinic networks alongside insurance plans, the closest business-model analog to Plena's integrated care model, with substantially greater national scale.
Direct peers
- Porto Seguro Saúde: Porto Seguro's health and dental insurance line, sold primarily through brokers and digital channels to individuals and SMEs. Direct competitor in the São Paulo SME and individual health/dental segments where Plena is also active.
- Prevent Senior: São Paulo-focused health plan operator with own hospital network, targeting specific demographic segments. A close direct comparable to Plena in scale, geography, and vertically integrated model.
Regional players
- Assim Saúde: Regional health plan operator with strong presence in Rio de Janeiro. Comparable mid-size player in product structure and tiered offering, though operating in a different regional market than Plena.
Others
- Rede D'Or: Largest private hospital network in Brazil. Plena's owned hospital (Hospital Previna) competes with Rede D'Or facilities for in-network referrals, and Rede D'Or's growing payer/provider integration represents a long-term competitive force in Plena's core market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Full Health social profiles
Digital presenceFull Health compliance and trust
Trust signalCompliance3 records
Full Health financial estimates
Financial estimateRevenue estimate
Valuation estimate
Full Health leadership team
Management profileNumber of profiles
Full Health funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Full Health M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Full Health
What does Full Health do?
Full Health operates as a Brazilian ANS-regulated health insurance operator selling individual, family and corporate health and dental insurance plans across multiple coverage tiers (Bronze, Ouro, Gold, Platinum, Diamante, plus corporate variants like Confort, Jade, Citrino and APABEN). The company underwrites recurring monthly/annual premiums and delivers care through its own integrated provider network including Hospital Previna, clinics, laboratories and urgent care facilities, augmented by AI-powered digital triage, telehealth, virtual assistant (Lena), and corporate HR/benefits portals.
Is Full Health a public or private company?
Full Health is a private company. It is classified as unknown and is currently operating.
When was Full Health founded?
Full Health was founded in 1986. It employs 501 to 1,000 people.
Where is Full Health based?
Full Health is headquartered in São Paulo, Brazil, in the Latin America region.
How does Full Health make money?
Three revenue lines are on record. Health Insurance Premiums are the primary driver. The others are dental Insurance Premiums and coparticipation Fees.
Who are Full Health's main competitors?
Broad incumbents on record are Unimed, SulAmérica Saúde, Amil, Hapvida, Bradesco Saúde and NotreDame Intermédica. Direct peers are Porto Seguro Saúde and Prevent Senior. Assim Saúde is listed as a regional player. Rede D'Or is listed as an others.
Does Full Health have an API?
No public API is recorded for Full Health.
What industry is Full Health in?
Full Health's product category is Health Insurance. Its primary akta.pro industry code is FSAIAFAA, Fully Insured Group Health Plans (Employer-Sponsored), with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 52411 and its SIC code is 6324.