What Eletros-Saúde does

Eletros-Saúde – Associação de Assistência à Saúde is a Brazilian non-profit health plan operator headquartered in Rio de Janeiro, operating in autogestão (self-management) mode under ANS Operator Registration nº 42.207-0. Founded in 1991 as the health arm of Fundação Eletrobrás de Seguridade Social (Eletros), it was segregated into a separate Associação in 2021. The company offers 13 medical and dental plans to employees, retired workers (assistidos), pensioners, ex-employees, and extended family members (up to 4th-degree descendants and 2nd-degree collaterals) of multipatrocinated (multi-sponsored) energy-sector companies — historically anchored on Eletrobras and its subsidiaries, including Cepel, ELETROS Foundation participants, and, since late 2023, Empresa de Pesquisa Energética (EPE) via AEPE.

The core technology is a self-managed health insurance platform combining direct credentialed networks (hospitals, laboratories, clinics, physicians, dentists, physiotherapists, nutritionists, psychologists) in Rio de Janeiro and Grande Rio with an indirect network partnership (Unimed São José do Rio Preto, effective August 2024) for nationwide medical-hospital coverage. Supporting digital infrastructure includes a beneficiary web portal (beneficiario.eletrossaude.com.br) and iOS/Android mobile applications, plus partner-delivered services for telemedicine (Amparo Saúde), 24/7 emergency medical orientation (Vida UTI), and pharmacy discounts (Convênio Farmácia). No proprietary AI/ML systems are disclosed.

Revenue is generated through recurring monthly membership fees from beneficiaries across 13 plans, with pricing established via actuarial studies and reserves rather than public disclosure. The company is structured as a mutualist health association with no parent company, no private equity or venture capital ownership, and no public listing. GTM is primarily sales-led through corporate sponsorship agreements with energy-sector employers (new sponsors approved by the Deliberative Council), supplemented by community-led enrollment via family-plan extensions. IDSS regulatory scores have been 0.7898 (2023), 0.7856 (2024), and 0.7575 (2025), with maximum marks in IDSM and IDGR dimensions. Rogério Carlos Lamim Braz serves as Diretor-Presidente (CEO equivalent).

Name

Eletros-Saúde

Legal name

Eletros-Saúde – Associação de Assistência à Saúde

Website

https://eletrossaude.com.br

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Eletros-Saúde is a Rio de Janeiro-based non-profit self-managed health plan operator serving employees, retirees, pensioners, and family members of Brazilian energy-sector sponsors (historically Eletrobras affiliates) with 13 medical and dental plans under ANS regulation since 1991.

Ownership category

akta.pro rank

Product category

Supplementary Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Professional Employer Organizations (561330)

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000)

akta.pro primary industry

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

Keywords

• Self-managed health insurance
• Supplementary health plans
• Dental insurance coverage
• Corporate health benefits
• Health plan operator

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Monthly Membership Fees: Revenue generated from monthly fees paid by beneficiaries of their 13 health and dental plans. Plans are offered in self-management mode exclusively to employees, retired workers, ex-employees, pensioners and aggregated family members of sponsoring companies in the energy sector.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Eletros-Saúde is a non-profit, self-managed (autogestão) health plan operator offering 13 medical and dental insurance plans to employees, retired workers, pensioners, ex-employees, and eligible family members of sponsoring companies in the Brazilian energy sector. Plans are distributed exclusively through corporate sponsorship agreements and delivered via a direct credentialed network in Rio de Janeiro plus an indirect network partnership (Unimed São José do Rio Preto) for national coverage, with supplementary telemedicine, pharmacy discount, and 24/7 emergency orientation services.

Product overview

Eletros-Saúde operates as a self-managed health plan operator (operadora de planos de autogestão) in the supplementary healthcare sector, offering 13 different health and dental insurance plans. The core product portfolio includes family plans (Eletros-Saúde Família, Eletros-Saúde Família Essencial), plans for retired employees (Assistidos, Assistidos Essencial, Ex-Empregados), corporate plans for energy sector sponsors (Eletros-Saúde – Eletrobras, Eletrobras-Cepel, Eletros-Saúde AEPE), and foundation pension plan participants (Eletros-Saúde Fundação). Dental coverage is available through dental add-on modules (Dental Plus, Dental Essencial, Es Cepel Dental, Es Eletrobras Dental). Supporting services include telemedicine (via partner Amparo Saúde), pharmacy discount program (Convênio Farmácia), 24/7 medical helpline (Vida UTI), and a Monthly Assistance Program (PAM) for eligible members.

Differentiator

Problem solved

Functional benefit

Brands

• Programa de Auxílio à Mensalidade (PAM): Monthly assistance program exclusive for participants of Assistidos and Assistidos Essencial plans.
• Programa Viva Bem
• Vida UTI
• Telemedicina
• Convênio Farmácia

Products and services

• Eletros-Saúde Família Comprehensive health insurance plan providing access to a network of hospitals, clinics, and quality treatments for family members, offering complete medical and hospital coverage through a credentialed provider network.
• Eletros-Saúde Assistidos Health plan for retired employees (assistidos), pensioners, and ex-employees of sponsors, providing complete and continued health assistance.
• Eletros-Saúde Ex-Empregados Health plan designed for former employees of sponsoring companies, offering access to the credentialed healthcare network.
• Eletros-Saúde AEPE Collective health plan for employees with active ties to Empresa de Pesquisa Energética (EPE), associated with sponsor AEPE, providing continuous health assistance with essential coverage.
• Eletros-Saúde Família Essencial Economic health plan ensuring protection and well-being for family members, providing complete coverage, quality service, and affordable pricing.
• Eletros-Saúde Assistidos Essencial Health plan for assisted members offering complete coverage and quality medical services at a competitive price.
• Eletros-Saúde – Eletrobras Health insurance plan for Eletrobras employees, retirees, and dependents with comprehensive coverage through the credentialed network.
• Eletrobras-Cepel Health plan for Cepel employees and affiliated personnel offering comprehensive medical and hospital coverage.
• Eletros-Saúde Fundação Health plan for participants of Fundação ELETROS pension fund, providing healthcare coverage to foundation members.
• Eletros-Saúde Dental Plus Dental insurance plan complementing health coverage, providing quality oral healthcare for families at an accessible price. Available to participants of Família, Assistidos, Família Essencial, Assistidos Essencial, and AEPE plans.
• Eletros-Saúde Dental Essencial Basic dental plan providing essential coverage for oral health maintenance, offering peace of mind with essential dental procedures.
• Es Cepel Dental Dental plan specifically designed for Cepel employees, providing oral health coverage as part of the Cepel employee benefits package.
• Es Eletrobras Dental Dental plan for Eletrobras employees offering oral healthcare coverage as part of the corporate benefits program.
• Telemedicina (Telemedicine) Telemedicine service providing 100% online medical consultations and therapies via computers, tablets, or smartphones, in partnership with Amparo Saúde.
• Convênio Farmácia Pharmacy benefit program offering discounts on medications for beneficiaries, managed through partner pharmacies.
• Vida UTI Telephone medical orientation service available 24/7, providing urgent and emergency medical guidance with hospital transfer coordination, operated by a partner with 30+ years of experience in Latin America.

Quantifiable outcome

• 90% of interviewees rated health attention received as good or very good (Excelência) - 2026 Satisfaction Survey
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Three partnerships are on record, tiered core.

• Unimed São José do Rio PretocoreStrategic or Co-development Partner · 1 August 2024Unimed São José do Rio Preto is the new indirect network partner for medical-hospital care outside Rio de Janeiro and Grande Rio. This partnership complements the company's direct credentialed network with nationwide coverage, offering the same coverage and rules as Eletros-Saúde plans. This is a common practice in the supplementary health market, especially outside major urban centers. Coverage started August 2024.
• Vida UTIcoreTechnology or IntegrationVida UTI provides medical orientation telephone service available 24 hours a day, 7 days a week. The service offers immediate medical assistance in urgency and emergency situations outside the hospital environment, with over 30 years of experience in Latin America. Contact: 0800 025 3130 or (21) 3461-3030.
• Instituto Ibero-Brasileiro de Relacionamento com o Cliente (IBRC)coreStrategic or Co-development PartnerIBRC conducts annual customer satisfaction surveys for Eletros-Saúde beneficiaries. The institute has years of proven experience in this activity and is considered one of the main institutes in the market. Surveys cover topics on health attention, service channels and general satisfaction with the operator's plans.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Amil: Large national health-plan operator with diversified product portfolio including corporate, individual and dental plans. Competes for the same group-sponsor RFPs and has national networks Eletros-Saúde lacks.
• SulAmérica: Major national health, dental and group insurance carrier in Brazil. Competes for corporate group-health contracts across the same HR/benefits buyers Eletros-Saúde targets.
• Bradesco Saúde: One of Brazil's largest commercial health insurers, competing for the same group/corporate plan buyers and beneficiaries in the energy and broader corporate market.
• Hapvida NotreDame Intermédica: Integrated health insurer and provider with national footprint. Competes for corporate group-health plans and verticalized care delivery, contrasting with Eletros-Saúde's self-management model.
• Unimed (Sistema Unimed): Largest Brazilian cooperative health-insurance system. Directly comparable in offering health and dental plans, and is itself Eletros-Saúde's indirect-network partner for care outside Rio/Grande Rio.

Direct peers

• Petrobras (AMS - Assistência Multidisciplinar de Saúde): Corporate self-managed health plan for Petrobras employees and retirees. Analogous multi-sponsored energy-industry model with a comparable retiree-heavy demographic and ANS-regulated structure.
• Cassi (Caixa de Assistência dos Funcionários do Banco do Brasil): Self-management health plan operator serving Banco do Brasil employees/retirees. Closest structural analog to Eletros-Saúde's autogestão, multi-sponsored model anchored in a single major sponsor and a retirees-heavy book.
• GEAP Saúde: Brazilian self-management health plan operator (autogestão) serving public-sector and affiliated employees. Comparable closed-population, sponsor-driven health plan model regulated by ANS.

Regional players

• Vale Saúde: Corporate self-managed health plan for Vale employees and retirees, with selective external enrollment. Comparable in operating-model logic (corporate, self-managed) but with a mining-sector beneficiary base rather than energy.

Emerging players

• Amparo Saúde: Telemedicine partner to Eletros-Saúde, offering 100% online consultations and therapies. Adjacent/partner-comparable in the digital-health layer that supplements Eletros-Saúde's core health-plan business.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/eletrossaude
• Facebookfacebook.com/eletrossaude
• LinkedInlinkedin.com/company/eletrossaude

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Eletros-Saúde