Saúde BRB

What Saúde BRB does

Saúde BRB is a non-profit health plan operator established in 2002 as the captive supplemental health insurance subsidiary of Banco de Brasília (BRB), a state-owned bank headquartered in Brasília, Distrito Federal, Brazil. The company operates the Plano A-1 health plan exclusively for BRB bank employees, their dependents, and associated beneficiaries, generating revenue through recurring monthly health insurance premiums. Its service portfolio centers on a unified Plano A-1 offering that combines medical-hospital coverage, dental care, emergency services, preventive programs, and specialty wellness initiatives including Projeto 60+ (senior care), Projeto Faces (LGBTQIAPN+ inclusion), Projeto Saúde do Coração (cardiac health), and Programa Saúde em Dia (preventive wellness).

The company's technology and operational footprint rests on three integrated layers: a beneficiary-facing mobile application and restricted web portal that consolidates digital health cards for Saúde BRB, UNIMED, and CASSI in a single interface; an owned-and-operated primary care facility, Clínica Saúde BRB, which delivers multi-specialty consultations (ophthalmology, cardiology, odontology) and laboratory diagnostics through a partnership with Laboratório Sabin; and a national reciprocity network with CASSI, UNIMED, CAMED, CABERJ, ITAÚ SAÚDE, CAESAN, and BANESCAIXA that enables coverage outside the Federal District without capital deployment on owned provider infrastructure. Mobile ICU (UTI Móvel) emergency transport is delivered through partnerships with ONLife Brasília and MEDICAR Soluções em Saúde.

The business model is wholly subscription-based, with the employer (BRB bank) acting as the sole enrollment channel and the Plano A-1 premium as the single revenue stream. There are no external investors, no private equity backing, and no M&A activity — ownership is entirely with the BRB parent. Marketing is institutional rather than commercial, executed through the corporate website, Instagram (@saudebrb_oficial), and LinkedIn. The company operates a single headquarters location in Brasília and reports under the regulatory oversight of ANS (Agência Nacional de Saúde Suplementar), with published IDSS performance metrics for base year 2024.

Name

Saúde BRB

Legal name

Saúde BRB

Website

https://saudebrb.com.br

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Saúde BRB is a non-profit health plan operator that manages the Plano A-1 supplemental health insurance exclusively for Banco de Brasília (BRB) bank employees and their dependents, delivering coverage through an owned clinic, a mobile app, and a national reciprocity network.

Ownership category

akta.pro rank

Product category

Supplemental Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Hospital & Medical Service Plans (6324), Services-Offices & Clinics Of Doctors Of Medicine (8011)

akta.pro primary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

akta.pro secondary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• Health insurance plans
• Medical and hospital coverage
• Supplemental healthcare
• Primary care clinic
• Dental coverage

Headquarters

HQ city

Brasilândia

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Saúde BRB generates revenue through monthly health insurance premiums paid by beneficiaries (BRB bank employees and dependents) for coverage under the Plano A-1 health plan, which includes medical consultations, exams, hospitalizations, and dental care.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Saúde BRB operates and administers the Plano A-1, a closed-group supplemental health insurance plan covering medical consultations, examinations, hospitalizations, emergency care, and dental services for Banco de Brasília (BRB) employees and their registered dependents. Coverage is delivered through Saúde BRB's own Clínica Saúde BRB (primary care, ophthalmology, cardiology, odontology, and laboratory testing via partner Laboratório Sabin) and through a national provider network enabled by reciprocity agreements with operators such as CASSI, UNIMED, CAMED, CABERJ, ITAÚ SAÚDE, CAESAN, and BANESCAIXA, plus mobile ICU transport (UTI Móvel) in Brasília and Goiânia. Member self-service is handled through a restricted beneficiary portal and the App Saúde BRB mobile application, which consolidates digital health cards for Saúde BRB, UNIMED, and CASSI in a single smartphone interface.

Product overview

Saúde BRB is a health insurance plan operator offering a unified portfolio centered on its Plano A-1, the primary health insurance product providing medical and hospital coverage. The company operates its own clinical infrastructure (Clínica Saúde BRB) alongside a network of credentialed providers, complemented by value-added services including the Portal do Beneficiary and Portal de Prestadores for member and provider self-service, a mobile app for digital ID cards, and emergency transport services (UTIMóvel). Health programs such as Projeto 60+, LGBTQIAPN+ inclusive care, cardiac health, and preventive wellness support the core insurance offering, while reciprocity agreements enable national coverage. The company maintains an ESG program addressing environmental and social responsibilities.

Differentiator

Problem solved

Functional benefit

Brands

• Plano A-1: The primary health plan product offered by Saúde BRB for beneficiaries.

Products and services

• Plano A-1 The main health insurance plan offered by Saúde BRB, providing medical and hospital coverage for BRB employees and their dependents, with national reach for beneficiaries outside the Federal District through reciprocity agreements. Covers medical consultations, examinations, hospitalizations, emergency services, and dental care.
• Clínica Saúde BRB Saúde BRB's owned-and-operated primary care clinic in Brasília providing medical consultations, ophthalmology, cardiology, odontology, medication administration, and laboratory services (in partnership with Laboratório Sabin) to beneficiaries of the Plano A-1.
• App Saúde BRB Mobile application allowing Plano A-1 beneficiaries to access digital health identification cards for Saúde BRB, UNIMED, and CASSI in a single smartphone interface.
• Portal do Beneficiário Restricted online portal for Plano A-1 beneficiaries to access plan information, update registration data, view utilization, submit requests, generate payment slips, and access additional restricted services.
• Portal de Prestadores Restricted portal for healthcare providers to apply to the credentialed network, access informational bulletins and schedules, provider manuals, and TISS (Troca de Informações na Saúde Suplementar) guides.
• Convênios de Reciprocidade (Reciprocity Agreements) National reciprocity network of health insurance operators that enables Plano A-1 beneficiaries traveling or residing outside the Federal District to access medical services through partner operators' networks, covering all regions of Brazil.
• UTI Móvel (Mobile ICU Emergency Transport) Mobile intensive care unit emergency patient transport service for Plano A-1 beneficiaries, available in Brasília (provided via ONLife Brasília) and in Goiânia (provided via MEDICAR Soluções em Saúde).
• Programa Projeto 60+ Health and wellness program designed for senior beneficiaries of Plano A-1, promoting healthy aging and well-being.
• Projeto Faces (LGBTQIAPN+ Inclusive Care Program) Inclusive care program providing guidance and support for LGBTQIAPN+ beneficiaries, including an inclusivity and welcoming handbook.
• Projeto Saúde do Coração Comprehensive cardiac health program providing integral care for Plano A-1 beneficiaries' heart health, including cardiovascular evaluation.
• Programa Saúde em Dia Preventive health program encouraging healthy lifestyle habits and preventive care practices for Plano A-1 beneficiaries.
• Espaço Saúde CNC Health space operated in partnership with CNC (Confederação Nacional do Comércio) providing convenience and proximity services to Plano A-1 beneficiaries in Brasília.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Laboratório SabincoreStrategic or Co-development PartnerPartnership with Laboratório Sabin for clinical laboratory services at the Clínica Saúde BRB facility, providing beneficiaries with access to diagnostic testing and laboratory examinations.
• MEDICAR Soluções em SaúdecoreStrategic or Co-development PartnerPartnership with MEDICAR for emergency ambulance services (UTI Móvel) in Goiânia (GYN), providing mobile intensive care unit services for beneficiaries of the Plano A-1.
• ONLife BrasíliacoreStrategic or Co-development PartnerPartnership with ONLife Brasília for pre-hospital emergency care services (APH - Atendimento Pré-Hospitalar) in Brasília, providing ambulance and emergency response services.
• CASSIcoreChannel Partner/ Reseller/ DistributorReciprocity agreement with CASSI (Caixa de Assistência dos Funcionários do Banco do Brasil) providing national coverage for Saúde BRB beneficiaries and CASSI beneficiaries through the other's provider networks.
• UNIMEDcoreChannel Partner/ Reseller/ DistributorReciprocity agreement with UNIMED for healthcare coverage, enabling beneficiaries to access services through UNIMED's extensive provider network across Brazil.
• CAMEDminorChannel Partner/ Reseller/ DistributorReciprocity agreement with CAMED (Caixa de Assistência dos Servidores do Estado de Minas Gerais) for healthcare services in the Northeast region.
• ITAÚ SAÚDEminorChannel Partner/ Reseller/ DistributorReciprocity agreement with ITAÚ SAÚDE for healthcare coverage in the Centro-Oeste and Sudeste regions, expanding service access for beneficiaries.
• CABERJminorChannel Partner/ Reseller/ DistributorReciprocity agreement with CABERJ (Caixa Beneficente de Rio de Janeiro) for healthcare services in the Southeast region.
• CAESANminorChannel Partner/ Reseller/ DistributorReciprocity agreement with CAESAN (Caixa de Saúde e Assistência Social do Servidor) for healthcare services in the Centro-Oeste region.
• BANESCAIXAminorChannel Partner/ Reseller/ DistributorReciprocity agreement with BANESCAIXA for healthcare services in the Southeast region.
• AFABRBminorChannel Partner/ Reseller/ DistributorAssociação dos Funcionários do BRB - Requested the availability of emergency services in Goiânia, leading to the partnership with MEDICAR for UTI Móvel services.
• CNC - Espaço Saúde CNCcoreStrategic or Co-development PartnerPartnership with CNC (Confederação Nacional do Comércio) to operate the Espaço Saúde CNC facility, providing convenient healthcare access for beneficiaries.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• UNIMED: Brazil's largest cooperative health-plan operator with national provider network; Saúde BRB relies on UNIMED as a reciprocity partner for non-DF coverage, making it both an infrastructure enabler and a broader-market benchmark for supplemental health.
• Bradesco Saúde: One of Brazil's largest for-profit health insurers, often used by employers including financial institutions; provides a benchmark for scale, commercial-pricing discipline, and supplemental-health product design relative to Saúde BRB's captive non-profit model.

Direct peers

• CAMED: Health plan operator serving public-sector employees, particularly Minas Gerais state workers; serves as a Saúde BRB reciprocity partner in the Northeast and shares the closed employer-sponsor model.
• Postal Saúde: Operates the health plan for Correios (Brazilian postal service) employees, a state-owned captive model closely comparable to Saúde BRB's BRB-bank captive structure and beneficiary-restricted plan design.
• BANESCAIXA: Operates a health plan for Espírito Santo state-bank and related employees, comparable as another bank-affiliated closed health plan and a reciprocity partner for Southeast-region coverage.
• GEAP Saúde: Operates a closed health plan for public-sector employees, comparable to Saúde BRB in its employer-sponsored, member-restricted model and its focus on integrated medical and hospital coverage.
• CAESAN: Health and social assistance plan for public servants in the Centro-Oeste region, structurally similar to Saúde BRB and a reciprocity partner that extends coverage in that region.
• CASSI (Caixa de Assistência dos Funcionários do Banco do Brasil): Operates a closed health plan exclusively for Banco do Brasil employees and dependents, structurally the closest analog to Saúde BRB's BRB-bank captive model, with shared reliance on reciprocity arrangements for national reach.
• ITAÚ SAÚDE: Operates the health plan for Itaú Unibanco employees, mirroring Saúde BRB's exclusive-employer health-plan model for a major Brazilian bank and serving as a reciprocity partner for Centro-Oeste and Sudeste regions.
• CABERJ: Rio de Janeiro-based health plan serving state-affiliated bank and public-sector beneficiaries, comparable as a regionally focused operator that participates in Saúde BRB's reciprocity network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/saudebrb
• Instagraminstagram.com/saudebrb_oficial

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 Saúde BRB