Elosaúde

What Elosaúde does

Elosaúde — Associação de Assistência à Saúde is a Brazilian non-profit civil association (associação civil sem fins lucrativos) headquartered in Florianópolis, Santa Catarina, classified by the Agência Nacional de Saúde Suplementar (ANS) as an autogestão patrocinada (sponsored self-management health plan operator). It originated in 1993 as the health management department of Fundação Elos and spun off as an independent entity on 1 October 2010; it has maintained 8 consecutive years (year-base 2016-2024) in the ANS IDSS excellence band, reaching 0.8590 in 2024. Elosaúde provides restricted-access medical-hospital plans (Plano E-2020, Plano PERFIL), dental plans (Plano B, Plano C), a now-closed pharmaceutical benefit plan (Plano D), 24/7 telemedicine across 35+ medical specialties plus psychology and nutrition, the Programa Sua Saúde chronic-disease management program for beneficiaries aged 30+, and electronic reimbursement and provider authorization platforms. Plans are delivered through both pre-payment (fixed monthly fee) and post-payment (employer-funded) modalities, with age-banded pricing (E-2020 ranging R$ 579.75-R$ 2,318.80 per beneficiary per month; PERFIL ranging R$ 362.71-R$ 1,450.71; dental plans at R$ 32.01 and R$ 193.51 flat) and an 18.62% annual adjustment applied for the 2025-2026 cycle.

The go-to-market is exclusively B2B/B2E through 12 sponsoring companies, all in the Brazilian energy sector — predominantly the Engie Brasil group (Engie Brasil Energia, Engie Brasil Participações, Engie Solar, Usina Termelétrica Pampa Sul, Asa Branca Transmissora, Gralha Azul Transmissão, Diamante Geração, Novo Estado Transmissora, Central Fotovoltaica Assu Sol 16, Maracanã Geração) plus CGT Eletrosul and the pension foundations Fundação Elos and PREVIG. Provider reach extends nationally through partnership agreements with Unimed (Santa Catarina Federation) for medical services, Uniodonto for dental services, and reciprocity agreements with peer autogestão operators (Fundação Cesp in São Paulo, Eletros Saúde in Rio de Janeiro). The 2026 entry of Pecém/Porto do Pecém operations via Diamante marks the first expansion outside southern Brazil. Revenue derives from monthly plan contributions (mensalidades), copayments (coparticipações) for post-payment plans, and administration fees paid by sponsoring employers; as a non-profit, surpluses must be reinvested into plan operations and quality.

Name

Elosaúde

Legal name

Associação de Assistência à Saúde Elosaúde

Website

https://elosaude.com.br

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Elosaúde is a non-profit Brazilian autogestão patrocinada health plan operator based in Florianópolis that provides restricted-access medical, dental, pharmaceutical, and 24/7 telemedicine benefits exclusively to employees, retirees, and dependents of 12 sponsoring companies in the energy sector.

Ownership category

akta.pro rank

Product category

Health Insurance (Self-Managed Corporate Health Plans)

NAICS

Professional Employer Organizations (56133), Professional Employer Organizations (561330)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Dental EPO Plans (HLAEAIAE), Pharmacy-Integrated Virtual Care & ePrescribing (Employer Benefit) (HLALADAH)

Keywords

• Self-managed health plans
• Dental health plans
• Corporate health benefits
• Telemedicine services
• Health plan administration

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Supply Chain, Marketing or Sales, Technology or R&D

Revenue model

1. Plano de Saúde e Odontologia - Mensalidades e Coparticipações: Elosaúde is a non-profit association (associação civil sem fins lucrativos) that generates revenue through monthly premiums (mensalidades) charged to beneficiaries of pre-payment plans, plus copayment percentages (coparticipações) on certain services used. For post-payment plans, sponsoring companies fund the full cost of services used plus a monthly administration fee (taxa de administração). The non-profit status means revenues must be reinvested in plan operations and quality.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels8 records

Core offering

Elosaúde is a non-profit sponsored self-management (autogestão patrocinada) health plan operator registered with the Brazilian ANS that issues and administers medical-hospital, dental, and pharmaceutical-benefit health plans exclusively for employees, retirees, pensioners, and dependents of its twelve corporate sponsors. It sells age-banded monthly subscription plans (pre-payment and post-payment modalities), delivers a 24/7 telemedicine service across 35+ specialties with no copayment, and operates digital self-service portals for beneficiaries and contracted providers.

Product overview

Elosaúde is a non-profit health plan operator (autogestão patrocinada) offering a portfolio of dental plans (Plano B and Plano C), medical-hospital plans (Plano E-2020 and Plano PERFIL), and a pharmaceutical benefit plan (Plano D). The company provides supplementary digital services including 24/7 telemedicine (Telemedicina ELOSAÚDE) with over 35 medical specialties plus psychology and nutrition, the Programa Sua Saúde health management program, and online portals for beneficiaries and contracted providers. Plans are available in pre-payment (fixed monthly fee) and post-payment (sponsored by employer) modalities, serving employees, retirees, and dependents of sponsoring companies primarily in the energy sector.

Differentiator

Problem solved

Functional benefit

Brands

• Plano E-2020: Medical-hospital plan offering coverage in private room (apartamento privativo) accommodations, with consultations, exams, procedures, therapies, and clinical and surgical hospitalizations.
• Plano Perfil
• Plano B
• Plano C
• Telemedicina Elosaúde
• Programa Sua Saúde

Products and services

• Plano E-2020 Medical-hospital health plan offering coverage for consultations, exams, outpatient procedures, therapies (including chemotherapy, radiotherapy, and multidisciplinary therapies), and clinical/surgical hospitalizations in private rooms (apartamento standard) with companion accommodation regardless of patient age; also covers ICU/CTI and obstetric hospitalizations. Age-banded monthly subscription from R$579.75 (0-18) to R$2,318.80 (59+) at August 2025 pricing.
• Plano PERFIL Medical-hospital plan offering the same coverage as Plano E-2020 but with hospitalization in semi-private rooms (enfermaria) and/or ICU at a lower monthly contribution. Age-banded monthly subscription from R$362.71 (0-18) to R$1,450.71 (59+) at August 2025 pricing.
• Plano ESUL-PID Medical-hospital and dental plan for former Eletrosul employees who joined the company's incentivized separation programs (PID, PAE, PDC). Sponsored by the employer with no monthly fees; beneficiaries pay only coparticipation for services used. ANS Registration 478677177.
• Plano B Preventive dental plan offering coverage for dental consultations, prophylaxis (cleaning), restorations, endodontics (root canal), and other basic dental procedures. Flat monthly rate of R$32.01 for all ages; ANS Registration 474659157.
• Plano C Specialized dental plan extending Plano B coverage with additional procedures including prosthetics, dental implants, orthodontic treatments, and dental surgeries. Flat monthly rate of R$193.51 for all ages; ANS Registration 474660151.
• Plano D Pharmaceutical benefit plan offering reimbursement for medications purchased with medical prescription for continuous, prolonged, or occasional use. No longer available for new enrollments.
• Telemedicina ELOSAÚDE 24/7 telemedicine service offering medical consultations in over 35 specialties, psychotherapy, and nutritional counseling via smartphone or computer with no copayment, no waiting periods, and no usage limits. Available to enrolled medical plan beneficiaries.
• Programa Sua Saúde Unified Health Attention Services program providing multidisciplinary care focused on self-care empowerment, healthy habits promotion, chronic patient monitoring, and disease prevention. Targets beneficiaries aged 30+ in macro-regions of Santa Catarina (Florianópolis, Tubarão, Blumenau, Chapecó).
• Portal do Beneficiário Online self-service portal allowing beneficiaries to access second invoices (segunda via), submit and track reimbursement requests, retrieve tax statements, and manage their plan enrollment. Authentication uses CPF plus Elosaúde registration number.
• Autorizador Eletrônico Electronic authorization system for contracted healthcare providers to request prior authorizations for procedures and submit invoices (billing files) digitally.
• Sistema de Reembolso Eletrônico Electronic reimbursement request system allowing beneficiaries to submit reimbursement requests for services obtained from non-contracted providers, with an average processing time of 30 days.

Quantifiable outcome

• 8 consecutive years of excellence in ANS IDSS (Índice de Desempenho da Saúde Suplementar), with score improving from approximately 0.82 to 0.8590 over that period
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Unimed (Federação de Santa Catarina)coreChannel Partner/ Reseller/ Distributor · 22 February 2010Through an agreement with the Santa Catarina Federation, all Elosaúde medical plan beneficiaries gain access to the Unimed network throughout Brazil, substantially expanding the provider network beyond Elosaúde's own contracted providers.
• UniodontocoreChannel Partner/ Reseller/ DistributorDental plan beneficiaries gain access to the Uniodonto network nationwide, supplementing Elosaúde's own dental provider network for expanded coverage.
• Convênios de Reciprocidade (other autogestão health plans)minorStrategic or Co-development PartnerReciprocity agreements with other self-management health operators including Fundação Cesp (São Paulo), Eletros Saúde (Rio de Janeiro), and other operators through which beneficiaries can access care when residing or traveling in other regions of Brazil.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Geap Saúde: Self-management health plan for federal public servants and affiliated entities; operates an autogestão plan with employer-sponsor structure, ANS regulation, and multi-modality coverage directly comparable to Elosaúde.
• Cassi: Caixa de Assistência dos Funcionários do Banco do Brasil; Brazil's largest autogestão health plan operator serving Banco do Brasil employees and retirees via closed corporate membership, the closest structural analog to Elosaúde's employer-sponsored association model.
• Fundação Cesp: Self-management health and social assistance foundation serving employees of CEB and related São Paulo energy companies; operates an autogestão patrocinada plan with closed beneficiary structure comparable to Elosaúde and listed as a reciprocity partner.
• Capesesp: Closed-membership health plan operator serving engineering and technical professionals via corporate sponsorship; autogestão structure with ANS registration and pre-payment / post-payment modalities similar to Elosaúde's offerings.
• Saúde Caixa: Health plan operator for Caixa Econômica Federal employees and retirees via closed corporate structure; matches Elosaúde's pre-payment and post-payment modalities, ANS-regulated autogestão framework, and restricted-access membership.
• Postal Saúde: Self-management health plan operator for Correios (Brazilian postal service) employees; closed-membership autogestão structure with active and retired beneficiary segments identical to Elosaúde's employer-sponsored model.
• Eletros-Saúde: Self-management health plan for Furnas/Eletrobras employees and retirees, based in Rio de Janeiro; cited as a reciprocal network partner by Elosaúde, providing care to Elosaúde beneficiaries in other Brazilian states via shared autogestão agreements.
• Petrobras (AMS): Multicare Assistência Médica (formerly Petrobras AMS), the sponsored self-management health plan for Petrobras employees; operates a closed beneficiary pool for a single major corporate sponsor using the same autogestão patrocinada model as Elosaúde.

Broad incumbents

• Bradesco Saúde: Brazil's largest commercial health insurer offering open-market and corporate group plans via ANS-regulated commercial operator model; competes for the same corporate sponsors Elosaúde approaches but operates outside the autogestão estruturado.
• Unimed (Federação de Santa Catarina): Medical cooperative federation that provides Elosaúde's nationwide provider network through a 2010 channel partnership; a much larger incumbent serving both open-market and contracted populations, in contrast with Elosaúde's closed sponsorship model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/associacao.elosaude
• LinkedInlinkedin.com/company/elosa-de-associa-o-de-assist-ncia-sa-de

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Elosaúde