Copass Saúde

What Copass Saúde does

Copass Saúde (Associação de Assistência à Saúde dos Empregados da Copasa) is a non-profit autogestion health plan operator registered with ANS (nº 41.656-8), founded in 1993 and legally incorporated in 2005. It exclusively serves approximately 40,000 beneficiaries — employees, retirees, pensioners, and legal dependents of Copasa/MG, its subsidiaries, and sponsor companies — across the state of Minas Gerais, Brazil. The portfolio comprises five medical plans (Completo and Essencial tiers for Ativos, Assistidos, and Dependente Familiar, plus an Ambulatorial plan) and three dental plans (Odonto Básico, Pleno, Essencial), with monthly premiums ranging from R$188 to R$1,072 depending on plan, age band, and accommodation type.

The technology stack is anchored by the proprietary Operass digital platform (web portal plus iOS/Android app) that handles online adhesion, migrations, invoices, reimbursements, statements, and provider credentialing for the 10,500+ provider network across 1,200+ localities. The PA Virtual 24h telemedicine service delivers 24/7 urgent care via videoconsultation, WhatsApp, and 0800 telephone with digitally signed prescriptions and certificates valid nationwide, made coparticipation-free in March 2025. An electronic guide authorization and validation system (deployed from late 2024) replaces paper-based workflows. Operationally, Copass runs 11 Integração Saúde primary-care clinics plus 1 remote clinic and 1 Shared Infusion Clinic through partnerships with Clínicas DOC, Doutor Agora, and Fundação São Francisco Xavier, resolving ~85% of clinical demands at the APS level and reducing hospitalizations by 40% and ER visits by 14.5% at pilot sites.

Copass Saúde generates revenue through recurring monthly premiums paid by beneficiaries and sponsor subsidies (including an intergenerational pact funding retiree coverage), with coparticipation on selected procedures. Distribution is direct: captive to the Copasa/MG ecosystem, sold through the Operass platform, Núcleo de Relacionamento e Mercado team (phone, WhatsApp, email), and in-person service at the Belo Horizonte headquarters. The operator has held the maximum IDSS band for 7 consecutive years (0.8786 in 2025 vs sector 0.7930) and reports 93.9% beneficiary satisfaction and 90.8% NPS in its 2026 survey, positioning it as a high-quality, vertically integrated, single-sponsor health plan.

Name

Copass Saúde

Legal name

Associação de Assistência à Saúde dos Empregados da Copasa – Copass Saúde

Website

https://copass-saude.com.br

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

Copass Saúde is a non-profit autogestion health plan operator exclusively serving approximately 40,000 Copasa/MG employees, retirees, and dependents across Minas Gerais with medical, dental, telemedicine, and primary care programs.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Home Health Care Services (6216), Offices of Physicians (6211)

SIC

Services-Home Health Care Services (8082), Services-Offices & Clinics Of Doctors Of Medicine (8011)

akta.pro primary industry

Home Health Clinical Care Coordination & Case Management (HSABACAO)

akta.pro secondary industry

Medication Pricing, Copay Assistance & Patient Financial Support Tools (HLACAKAN)

Keywords

• Self-managed health insurance
• Autogestion health plan
• Healthcare plan operator
• Primary health care
• Dental insurance plans

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Health Plan Premiums: Copass Saúde generates revenue through recurring monthly premiums paid by beneficiaries (employees, retirees, pensionists) and their sponsoring employers (Copasa/MG and subsidiaries). Premiums vary by plan tier (Essencial or Completo), subscriber category (active, retired, dependent), accommodation type (ward/apartment), and age band. Coparticipation fees apply for certain procedures and consultations depending on the plan.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Copass Saúde operates as an autogestion (self-management) health plan operator registered with ANS (nº 41.656-8), providing medical and dental coverage exclusively to employees, retirees, pensioners, and legal dependents of Copasa/MG and its subsidiaries. The company offers six medical plans (Completo Ativos, Completo Assistidos, Completo Dependente Familiar, Essencial Assistidos, Essencial Dependente Familiar, Ambulatorial), three dental plans (Odonto Básico, Pleno, Essencial), and value-added programs including PA Virtual 24h telemedicine, Integração Saúde primary care clinics (14 physical + 1 remote), maternal health (Vida Nova), home care (PAD), chronic disease management, and a specialty infusion clinic for autoimmune diseases.

Product overview

Copass Saúde operates a multi-product health insurance portfolio serving approximately 40,000 beneficiaries (employees, retirees, and dependents of Copasa and subsidiaries) across Minas Gerais. The core offering consists of five medical plans (Plano Copass Completo Ativos, Plano Copass Completo Assistidos, Plano Copass Completo Dependente Familiar, Plano Copass Essencial Assistidos, Plano Copass Essencial Dependente Familiar, and Plano Copass Ambulatorial) and three dental plans (Odonto Básico, Odonto Pleno, Odonto Essencial). Value-added modules include PA Virtual 24h telemedicine service, the Integração Saúde primary care program with 14 physical clinics, Programa Vida Nova maternal health, PAD home care, hospitalization and chronic disease management programs, and a specialized infusion clinic for autoimmune diseases. An optional air medical transport service is provided through Unimed Aeromédica partnership. Digital access is enabled via the proprietary Operass web portal and mobile app.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Copass Completo Ativos Complete medical health plan for active Copasa/MG employees and their first-degree dependents (spouse, children), offering complete network coverage in Minas Gerais with ambulatory and hospital coverage including obstetrics, +150 procedures beyond ANS mandatory ROL, automated authorizations, and coparticipations that can be split in 5 installments. Coverage begins with emergency/urgency from 24h after enrollment, consultations/exams from 30 days, procedures/PAC from 180 days, hospitalization/surgery from 180 days, childbirth from 300 days, and pre-existing diseases from 2 years.
• Plano Copass Completo Assistidos Comprehensive health plan for Copasa/MG retirees and pensioners offering complete coverage with apartment accommodation, over 150 procedures beyond ANS mandatory ROL, 24-hour customer service, and coverage for spouse and children up to 24 years (university students). Includes geriatric care, chronic disease management support, and home care coordination through PAD program.
• Plano Copass Completo Dependente Familiar Full family health plan available to active employees and retirees, permitting coverage of extended family dependents including children after marriage, sons-in-law, daughters-in-law, and grandchildren. Includes obstetrics coverage, full network access, and +150 procedures beyond ANS ROL.
• Plano Copass Essencial Assistidos Health plan for Copasa/MG retirees with coordinated Primary Health Care (APS) as the entry point, ward accommodation, lower monthly premiums than the Completo plan, and a multidisciplinary team with concierge for scheduling. Covers over 150 procedures beyond ANS minimum ROL. Does not include obstetrics coverage.
• Plano Copass Essencial Dependente Familiar Family health plan with coordinated Primary Health Care (APS), ward accommodation, and lower premiums, allowing inclusion of children, in-laws, and grandchildren as extended dependents of both active Copasa/MG employees and retirees. Includes obstetric coverage.
• Plano Copass Ambulatorial Outpatient-only health plan covering emergency care up to 12 hours, with transfer to SUS after stabilization. Designed for beneficiaries who need ambulatory coverage without inpatient services.
• Planos Copass Odonto (Básico, Pleno, Essencial) Dental health plans in three tiers: Odonto Básico (R$ 20.95/month) for preventive consultations and cleanings and basic procedures, Odonto Pleno (R$ 46.68/month) adding orthodontics and prostheses coverage (excluding implants), and Odonto Essencial (R$ 34.91/month) covering ANS ROL plus prostheses and dental tomography (no orthodontics). Network includes more than 1,000 dental providers across Minas Gerais with no waiting period promotions available through 31/07.
• Serviço Aeromédico (Unimed Aeromédica) Optional air and ground medical transport add-on in partnership with Unimed Aeromédica. Valid throughout Brazil with 24/7 availability, ambulance or aircraft equipped for emergencies, medical and nursing staff, and accommodation for 1–2 companions. Covers emergency inter-hospital transport for distances above 50km at R$ 4.46/month per beneficiary with 45-day waiting period. Available to Completo Ativos, Completo Assistidos, and Completo Dependente Familiar plan members.
• PA Virtual 24h (Telemedicina) 24-hour virtual urgent care service available 7 days a week via videoconsultation, WhatsApp, or 0800 telephone, accessible to beneficiaries across Minas Gerais. Issues digital prescriptions, medical certificates, and referral documents with valid digital signature nationwide. Available without coparticipation since March 2025.
• Integração Saúde (Primary Care Program) Primary Health Care program with 14 physical clinics across Minas Gerais and 1 remote clinic (locations include Belo Horizonte, Brumadinho, Contagem, Coronel Fabriciano, Diamantina, Divinópolis, Governador Valadares, Ipatinga, Juiz de Fora, Montes Claros, Pouso Alegre, Uberlândia). Offers multidisciplinary team consultations (physician, nursing, psychology, nutrition, physiotherapy, pharmacy) without copayment, coordinating care for approximately 80–85% of clinical demands. Demonstrated 40% reduction in clinical hospitalizations and 14.5% reduction in ER visits at the first clinics (Contagem and Montes Claros) inaugurated in 2021.
• Programa Vida Nova (Maternal and Child Health Program) Maternal and child health program providing differentiated prenatal care, examinations without copayment, partnerships with maternity hospitals, and support through 120 days postpartum. In December 2025, expanded statewide through a partnership with Atrys (multinational) to provide 100% ANS-compliant continuous monitoring, professional guidance, specialized support for pregnant women and newborns throughout MG, including remote nursing visits and virtual courses.
• Programa de Atenção Domiciliar (PAD) Home care program for fragile patients, dependents, and chronic disease patients with mobility difficulties. Provides temporary care including equipment such as hospital beds and oxygen therapy, delivered in the patient's home as an alternative to prolonged hospitalization.
• Clínica de Infusão Compartilhada (CIC) Specialized shared infusion clinic for beneficiaries undergoing immunobiological and iron replacement therapies, primarily for autoimmune diseases. Located at Rua dos Timbiras, 1288, Belo Horizonte. Inaugurated January 2023. Equipped with consultories, emergency room, and individual infusion boxes, staffed by rheumatologist, neurologist, dermatologist, and pediatrician specializing in autoimmune diseases. Offers copayment exemption and interdisciplinary monitoring.

Quantifiable outcome

• 40% reduction in clinical hospitalizations in clinics operating since 2021 (Contagem and Montes Claros)
• +8 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Unimed AeromédicacoreStrategic or Co-development PartnerPartnership with Unimed Aeromédica for emergency inter-hospital transport (air and ground) across all of Brazil. Available to Copass Completo Ativos, Completo Assistidos, and Completo Dependente Familiar plan members. Service is available 24h/7 days, with ambulance or aircraft equipped for emergencies, medical and nursing staff, and accommodation for 1-2 companions. Optional add-on at R$4.46/month per beneficiary.
• Clínicas DOCcoreImplementation/ SI/ Consulting PartnerOperates primary care (APS) clinics for Copass Saúde under the Integração Saúde program, including 2 clinics in Belo Horizonte (Santo Antônio and Santa Efigênia). Clínicas DOC runs the exclusive Copass Saúde clinic (inaugurated Nov 2024) at Rua Mar de Espanha, 353, with physician, nursing, psychology, nutrition, physiotherapy, and pharmacy staff.
• Doutor AgoracoreImplementation/ SI/ Consulting PartnerOperates multiple Integração Saúde primary care clinics across MG: Brumadinho, Contagem, Diamantina, Divinópolis, Governador Valadares, Juiz de Fora, Montes Claros, Pouso Alegre, and Uberlândia. Provides coordinated APS care under the Integração Saúde program.
• Fundação São Francisco Xavier (FSFX)coreImplementation/ SI/ Consulting PartnerOperates Integração Saúde primary care clinics in Coronel Fabriciano and Ipatinga (Bom Retiro and Canaã locations) under the Integração Saúde program, providing coordinated primary health care services.
• Atrys (Multinacional)coreStrategic or Co-development PartnerPartnership with Atrys, a multinational health solutions company, to expand the Vida Nova maternal health program statewide in December 2025. Atrys provides 100% ANS-compliant continuous monitoring, professional guidance, and specialized support for pregnant women and newborns throughout MG, including remote nursing visits and virtual courses.
• Clínica de Infusão Compartilhada (CIC) – Shared CliniccoreImplementation/ SI/ Consulting PartnerShared infusion clinic (CIC) for beneficiaries undergoing immunobiological and iron replacement therapies, primarily for autoimmune diseases. Located at Rua dos Timbiras, 1288, Belo Horizonte. Inaugurated January 2023. Equipped with consultories, emergency room, and individual infusion boxes. Staffed by rheumatologist, neurologist, dermatologist, and pediatrician specializing in autoimmune diseases.
• ANS – Agência Nacional de Saúde SuplementarcoreOthersPrimary health regulator. Copass Saúde is registered with ANS as autogestion operator ( nº 41.656-8). Subject to ANS regulatory oversight, IDSS evaluation program, PIN-SS requirements, and TISS data exchange standards.
• Copasa/MG – Companhia de Saneamento de Minas GeraiscoreStrategic or Co-development PartnerParent company and primary sponsor. All employees, retirees, and their dependents are eligible for Copass Saúde. Copasa provides subsidies for retirees under the intergenerational pact and has governance representation on the Conselho de Gestão and Conselho Fiscal.
• Unimed (Indirect Network)minorChannel Partner/ Reseller/ DistributorIndirect provider network through Unimed for extended coverage in cities beyond the direct provider network. Referenced in network search tools and plan materials as part of the total 10,000+ provider ecosystem.
• Cemig Saúde, CASU, Fundaffemg, PASAminorStrategic or Co-development PartnerOther autogestion health operators that partnered with Copass Saúde in 2021 to create shared primary care (APS) clinics under the Integração Saúde program, enabling the development of Clinics DOC and Doutor Agora operating models.
• IBRC – Instituto Ibero-Brasileiro de Relacionamento com o ClienteminorOthersIndependent research institute that conducted the 2026 beneficiary satisfaction survey (with 606 beneficiaries, 95% confidence level, 3.94% margin of error) from September to October 2025.

Scale indicators14 records

Recent moves12 records

Expansion highlights3 records

Broad incumbents

• Amil: One of Brazil's largest commercial health plan operators, owned by UnitedHealth Group. Broad incumbent peer because it competes for higher-tier Copasa-affiliated segments and sets the benchmark for digital-first plan management in the Brazilian market.
• SulAmérica Saúde: Major Brazilian health insurer serving corporate and individual markets, part of Rede D'Or. Broad incumbent peer providing commercial-plan benchmarks for premium structures, coverage tiers, and network breadth that Copass members compare against.
• Unimed: Brazil's largest medical cooperative network, providing indirect provider access to Copass beneficiaries (~7,000 indirect providers) and operating commercial health plans nationally. Broad incumbent peer because it serves as Copass's extended network and competes for any commercial spillover.
• Hapvida NotreDame Intermédica: Brazil's largest vertically integrated health plan operator with proprietary hospitals and clinics, following the 2022 Hapvida-NDI merger. Broad incumbent peer because it competes for commercial health-plan contracts and demonstrates an alternative scaled vertical-integrated model to autogestão.

Direct peers

• CASSI: Caixa de Assistência dos Funcionários do Banco do Brasil, a major autogestão operator serving Banco do Brasil employees and retirees. Direct peer under the same ANS self-management framework, with comparable intergenerational subsidy model and integrated primary care programs.
• PASA: Plano de Assistência à Saúde dos Aposentados da Petrobras (or comparable Minas Gerais public-sector autogestão). Listed as a co-partner in Copass's Integração Saúde consortium, making it a direct peer with overlapping regulatory, sponsorship, and primary-care-clinic development models.
• Fundaffemg: Autogestão health plan for employees of the Minas Gerais State Public Defender's Office and affiliated entities. Direct peer as a co-partner in the Integração Saúde consortium, operating under the same ANS autogestão framework with comparable single-sponsor dependency and MG-only footprint.
• Cemig Saúde: Autogestão health plan operator serving employees of Companhia Energética de Minas Gerais (Cemig). Direct peer because it is explicitly listed as a 2021 Integração Saúde consortium partner, runs the same self-managed ANS-regulated model for a state utility sponsor, and shares primary-care clinic development with Copass Saúde.
• GEAP Saúde: One of Brazil's largest autogestão health plan operators, originally for federal public servants, now serving multiple sponsoring employers. Direct peer operating under the same Lei 9.656/98 autogestão framework with ANS registration, providing a scaled comparison point for Copass's single-sponsor model.
• CASU: Autogestão health plan operator affiliated with Universidade Federal de Minas Gerais (UFMG) and affiliated entities. Direct peer as a co-partner in the 2021 Integração Saúde primary-care consortium with Copass, sharing identical regulatory and operational model (ANS-registered, non-profit, employer-anchored membership).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@copas.ssaude
• Facebookfacebook.com/copass.saude
• LinkedInlinkedin.com/company/copass-sa%C3%BAde
• Instagraminstagram.com/copass.saude

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Copass Saúde