Sermed Saude
Sermed Saude is a physician-founded, ANS-regulated Brazilian health insurance operator (operadora de planos de saúde) headquartered in Sertãozinho, São Paulo, selling individual, family, corporate, and adhesion health and dental plans across approximately seven municipalities in the São Paulo state interior.
- Company typePrivate
- Founded1976
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Sermed Saude does
Sermed Saude is a privately held, physician-administered health insurance operator (operadora de planos de saúde) headquartered in Sertãozinho, São Paulo state, Brazil. Founded in 1976 by 13 doctors to serve the industrial and sugar-alcohol workforce of the Sertãozinho region, the company sells Individual/Family (Plano Individual ou Familiar), Corporate Collective (Coletivo Empresarial), and Membership-Based Collective (Coletivo por Adesão) health plans, alongside a dental insurance product (Sermed Odonto). Its regulatory position is anchored by registration with Brazil's Agência Nacional de Saúde Suplementar (ANS), and it is affiliated with Abramge for nationwide emergency coverage, allowing beneficiaries access to urgent care when traveling.
The company serves beneficiaries across seven or more São Paulo state municipalities (Sertãozinho, Ribeirão Preto, Pontal, Pitangueiras, Cravinhos, Jardinópolis, Barrinha, plus newer units in Viradouro, Terra Roxa, and Cruz das Posses) through its own network of physical service units - including ambulatory centers, emergency pronto atendimento, preventive and rehabilitation units, specialty centers (orthopedics, psychology, psychiatry, women and children), and accredited provider networks. Plan offerings span Ambulatorial, Hospitalar (with and without obstetrics), Executive, Global, Master, Plano Union, Plano Eficiente, and the co-participation-based Planos na Medida Certa. The technology surface consists of an APP Sermed mobile application (iOS/Android) for self-service and a Telemedicina telemedicine channel for remote consultations; these are positioned as customer convenience features rather than as differentiated AI/analytics capabilities.
Revenue is generated almost entirely from recurring monthly health insurance premiums across the three plan segments. Distribution is direct-to-consumer and direct-to-enterprise via a regional sales force operating out of the company's own offices, complemented by inbound digital self-service via the website and app. The company is closely held (no identified VC, PE, or institutional investors), publishes annual financial statements (2018-2025), and celebrated its 50th anniversary in 2025-2026 under the slogan 'Ética e respeito à Vida' (Ethics and respect for Life).
Sermed Saude firmographics
Firmographics- Name
- Sermed Saude
- Legal name
- Sermed Saúde
- Website
- https://sermedsaude.com.br
- Company type
- Private
- Founded year
- 1976
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Sermed Saude is a physician-founded, ANS-regulated Brazilian health insurance operator (operadora de planos de saúde) headquartered in Sertãozinho, São Paulo, selling individual, family, corporate, and adhesion health and dental plans across approximately seven municipalities in the São Paulo state interior.
- Ownership category
- akta.pro rank
Sermed Saude industry classification
Industry- Product category
- Health Insurance
- NAICS
- Offices of Physicians (62111)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Specialty HMOs (e.g., Behavioral Health, Dental, Vision) (HLAEAMAJ)
- akta.pro secondary industry
- Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
Keywords
Where Sermed Saude is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices8 records
Markets served
Sermed Saude business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Health Insurance Premiums: Monthly subscription premiums from individual, family, corporate (coletivo empresarial), and membership-based (coletivo por adesão) health insurance plans. Plans include various tiers such as Ambulatorial (outpatient), Hospitalar (hospital), and combined plans with or without obstetrics. Co-participation (co-participativo) plans are also offered where beneficiaries share some costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Various plan tiers with different coverage levels and accommodation types |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Sermed Saude product offering
Product offeringCore offering
Sermed Saude is a physician-founded and administered health insurance operator (operadora de planos de saúde) that sells Individual/Family, Corporate (Coletivo Empresarial), and Membership-based (Coletivo por Adesão) health plans across seven municipalities in São Paulo state. Its portfolio also includes dental insurance (Sermed Odonto), telemedicine consultations, and a mobile app (APP Sermed) for beneficiary self-service. The company is regulated by ANS (Agência Nacional de Saúde Suplementar) and affiliated with Abramge for nationwide emergency coverage.
Product overview
Sermed Saúde operates as a health insurance operator administered by physicians, offering a comprehensive portfolio of health and dental insurance products. The product portfolio includes three main plan categories: Coletivo Empresarial (enterprise plans), Coletivo por Adesão (affinity group plans), and Individual ou Familiar (individual/family plans), with sub-brands such as Plano Union, Plano Eficiente, and Planos na Medida Certa providing differentiated coverage options. The company complements its core insurance offerings with value-added services including Telemedicina (telemedicine consultations), a mobile application (APP Sermed), preventive medicine programs, and a network of accredited healthcare providers including pharmacies and vaccination services. The portfolio is rounded out by Sermed Odonto, a dental insurance product with over 30 years of market presence.
Differentiator
Problem solved
Functional benefit
Brands
- Sermed Odonto: A complete dental insurance plan providing coverage for preventive care, routine treatments, dental emergencies, and qualified dental professionals.
- APP Sermed
- Plano Union
- Plano Eficiente
Products and services
- Planos de Saúde Individual ou Familiar Health insurance plans contracted directly by individuals or families for personal coverage, including ambulatory, hospital, and combined coverage options with or without obstetrics.
- Planos de Saúde Coletivo Empresarial Health insurance plans contracted by companies for their employees, offering outpatient and hospital coverage with obstetrics across municipalities including Barrinha, Sertãozinho, Pontal, Pitangueiras, Viradouro, and Terra Roxa.
- Planos de Saúde Coletivo por Adesão Health insurance plans for affinity groups contracted through professional or union associations, providing coverage to members with shared professional or sectoral connections.
- Sermed Odonto Complete dental insurance plan offering preventive care, routine treatments, and dental emergency services through a network of qualified dental professionals.
- Plano Union Branded health insurance plan with the tagline 'Unir é a melhor forma de cuidar' (Uniting is the best way to care), available in various accommodation options.
- Plano Eficiente Efficient health plan designed for cost-conscious beneficiaries seeking quality family healthcare coverage.
- Planos na Medida Certa Customized health plan offerings with co-participation options, providing flexible coverage tailored to individual or family needs.
Companies that use Sermed Saude
Customer profileSegments3 records
Ideal customer profiles3 records
Sermed Saude technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Sermed Saude partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Abramge (Associação Brasileira de Medicina de Grupo)coreSermed Saude is affiliated with Abramge, the Brazilian Association of Group Medicine. This affiliation allows beneficiaries to access emergency and urgent care services throughout Brazil wherever there is a participating Abramge-affiliated operator.
- ANS (Agência Nacional de Saúde Suplementar)coreSermed Saude is a regulated health insurance operator registered with ANS (Brazil's National Supplementary Health Agency). All plans are registered with ANS, and the company adheres to ANS regulations including coverage requirements, price adjustments, and consumer protection rules.
Scale indicators2 records
Recent moves7 records
Expansion highlights4 records
Sermed Saude competitors and assessment
Company assessmentDirect peers
- Prevent Senior: Prevent Senior is a São Paulo-based health plan operator focused on regional corporate and individual segments, with a model that combines insurance with owned provider assets. Comparable as a mid-sized, regionally anchored Brazilian operator competing with both national giants and local players.
- Unimed: Unimed is Brazil's largest cooperative healthcare system, operating a network of physician-led health plans across the country, including Unimed Ribeirão Preto which directly serves Sermed's core geography. Same physician-administered DNA and overlapping product structure (medical, dental, corporate plans).
- Unimed Ribeirão Preto: Direct local Unimed franchise operating in the same Sertãozinho-Ribeirão Preto corridor as Sermed, offering individual, family, and corporate plans. It is Sermed's most immediate head-to-head competitor for corporate accounts and individual members in the regional cluster.
Broad incumbents
- Amil: Amil, owned by UnitedHealth Group, is one of Brazil's largest health plan operators with national coverage across individual, family, and corporate segments. Comparable as a broad managed-care incumbent with significantly greater scale and capital than Sermed.
- Bradesco Saúde: Bradesco Saúde is the health insurance arm of Bradesco Seguros, serving corporate and individual customers nationwide. Comparable as a major Brazilian health insurer with corporate channel strength that can pressure Sermed's Coletivo Empresarial segment.
- SulAmérica Saúde: SulAmérica is a major Brazilian insurer offering health, dental, and group plans to corporate and individual customers. Comparable as a broad incumbent with overlapping portfolio including dental, and as a competitor for national corporate accounts.
- Hapvida NotreDame Intermédica: One of Brazil's largest health plan operators post-merger with NotreDame Intermédica, with verticalized hospital and clinic assets. Represents the scale benchmark Sermed is benchmarked against and a likely competitive threat if Hapvida expands further into São Paulo state.
Regional players
- Assim Saúde: Assim Saúde is a Brazilian regional health plan operator focused on corporate and adhesion segments in select states. Comparable as a mid-sized regional managed care competitor with similar Coletivo Empresarial and Coletivo por Adesão focus.
- Santa Casa Saúde (Sertãozinho): Santa Casa de Sertãozinho operates healthcare services in Sermed's home municipality and offers its own health plan products in the region. Comparable as a regional player with overlapping geography and similar local hospital-based identity.
- São Francisco Saúde: São Francisco Saúde is a regional health plan operator affiliated with the São Francisco health system, serving primarily São Paulo state and neighboring areas. Comparable as a regional operator with similar multi-segment plan portfolio and provider-network strategy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Sermed Saude social profiles
Digital presenceSermed Saude financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sermed Saude leadership team
Management profileNumber of profiles
Sermed Saude subsidiaries and ownership
Company hierarchySubsidiaries1 record
Sermed Saude funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sermed Saude 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 Sermed Saude
What does Sermed Saude do?
Sermed Saude is a physician-founded and administered health insurance operator (operadora de planos de saúde) that sells Individual/Family, Corporate (Coletivo Empresarial), and Membership-based (Coletivo por Adesão) health plans across seven municipalities in São Paulo state. Its portfolio also includes dental insurance (Sermed Odonto), telemedicine consultations, and a mobile app (APP Sermed) for beneficiary self-service. The company is regulated by ANS (Agência Nacional de Saúde Suplementar) and affiliated with Abramge for nationwide emergency coverage.
Is Sermed Saude a public or private company?
Sermed Saude is a private company. It is classified as management employee owned and is currently operating.
When was Sermed Saude founded?
Sermed Saude was founded in 1976. It employs 11 to 50 people.
Where is Sermed Saude based?
Sermed Saude is headquartered in São Paulo, Brazil, in the Latin America region.
How does Sermed Saude make money?
One revenue line is on record: health Insurance Premiums.
Who are Sermed Saude's main competitors?
Direct peers on record are Prevent Senior, Unimed and Unimed Ribeirão Preto. Broad incumbents are Amil, Bradesco Saúde, SulAmérica Saúde and Hapvida NotreDame Intermédica. Regional players are Assim Saúde, Santa Casa Saúde (Sertãozinho) and São Francisco Saúde.
Does Sermed Saude have an API?
No public API is recorded for Sermed Saude.
What industry is Sermed Saude in?
Sermed Saude's product category is Health Insurance. Its primary akta.pro industry code is HLAEAMAJ, Specialty HMOs (e.g., Behavioral Health, Dental, Vision), with a secondary code of FSAIAFAH, Association & PEO Group Health Plans (AHP/PEO-Sponsored). Its NAICS code is 62111 and its SIC code is 6324.