What Cemig Saúde does

Cemig Saúde is a self-management health plan operator (operadora de autogestão) headquartered in Belo Horizonte, Brazil, sponsored by eight companies within the Cemig (Companhia Energética de Minas Gerais) conglomerate group, including Cemig Holding, Cemig Distribuição, Cemig Geração e Transmissão, Cemig SIM, Forluz, Gasmig, and Sá Carvalho. Founded in 2014, the company serves active employees, retirees, and dependents of these sponsoring companies through a portfolio of health insurance plans (Premium, Clássico, Atenção Família, and the legacy Prosaúde Integrado) plus dental coverage (Programa Odontológico). The business model relies on monthly premium contributions from sponsored and self-sponsored beneficiaries, with coparticipation fees on certain services and a pharmacy benefit program (Convênio Farmácia) with a PGE ceiling of R$100 per family group.

The company's core differentiator is its integrated care delivery model, the Conexão Saúde platform, which operates three modalities: Conexão Saúde Presencial (11 owned clinics across Minas Gerais offering multidisciplinary primary care with family physicians, nurses, nutritionists, psychologists, physiotherapists, and pharmacists without coparticipation), Conexão Saúde Virtual (telehealth extending primary care statewide), and Conexão Saúde em Casa (home-based care for chronic conditions). Complementary infrastructure includes a Centro Integrado de Especialidades (24 specialty areas), Centro de Infusão Compartilhado (infusion center), Pronto Atendimento Online (24/7 telemedicine), and specialized care programs (Linha de Cuidados Juntos, oncology navigation, Mãe Estar maternity program). Digital access is delivered through a beneficiary portal, mobile app, WhatsApp self-service, and AI-supported health risk monitoring, with operational systems built on TOTVS Protheus.

Cemig Saúde is governed by a Conselho Deliberativo with sponsor and beneficiary representation, and the company has maintained the maximum IDSS regulatory rating from ANS for 10 consecutive years, with a 96.9% CSAT at Conexão Saúde clinics and a VCMH of 7.74% (best in five years). The company is currently executing a major portfolio transition following a 2022 contract dispute and 2025 homologation of the Acordo Único, with ANS having approved new plans in 2026 to replace the legacy Prosaúde Integrado, though implementation is temporarily suspended.

Name

Cemig Saúde

Legal name

Cemig Saúde

Website

https://cemigsaude.org.br

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Cemig Saúde is a self-management health plan operator in Minas Gerais, Brazil, sponsored by eight companies within the Cemig energy conglomerate to provide health insurance, primary care clinics, telehealth, and specialty services to employees, retirees, and dependents.

Ownership category

akta.pro rank

Product category

Supplemental Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Services for the Elderly and Persons with Disabilities (624120), Nursing and Residential Care Facilities (623)

SIC

Hospital & Medical Service Plans (6324), Services-Nursing & Personal Care Facilities (8050), Services-Home Health Care Services (8082)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industries

Chronic Care & Complex Care Management (HSABAIAD), Comprehensive Geriatric Assessment & Care Planning (HLADALAA), Behavioral Health & Cognitive Support Coordination (Dementia, Depression, SUD) (HSABAIAF)

Keywords

• Health insurance operator
• Self-managed health plans
• Primary healthcare services
• Corporate health benefits
• Supplemental health coverage

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Monthly Premium Contributions: Recurring monthly premium payments from sponsored beneficiaries (active employees) and self-sponsored members. Pricing varies by plan type and contribution tables for sponsored vs. self-sponsored arrangements.
2. Coparticipation Fees: Coparticipation charges for certain services and procedures. Conexão Saúde consultations are exempt from coparticipation to encourage preventive care. Other services may include copayment requirements.
3. Pharmacy Benefit: Pharmacy benefit program (Convênio Farmácia) offering discounts through partnered pharmacies with PGE (Special Guarantee Program) ceiling limits.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Cemig Saúde is a self-management (autogestão) supplemental health plan operator that sells health and dental insurance plans to corporate sponsors — primarily Cemig group companies and the Forluz pension fund — covering their employees, retirees, and dependents. It delivers care through an owned primary-care network branded Conexão Saúde, with in-person clinics, a virtual telehealth modality, and a home-care service, alongside specialty centers, oncology navigation, chronic-care programs, maternity support, and a 24/7 online urgent care service.

Product overview

Cemig Saúde is a health insurance operator (operadora de autogestão) offering a portfolio of health and dental insurance plans including Premium, Clássico, Atenção Família, and the legacy Prosaúde Integrado (PSI). The company operates its own healthcare delivery network through Conexão Saúde clinics (Presencial, Virtual, and em Casa modalities), a Centro Integrado de Especialidades, and a Centro de Infusão Compartilhado. Additional services include Pronto Atendimento Online telemedicine, Linha de Cuidados Juntos care programs, Navegação Oncológica, and the Mãe Estar maternity program. Dental coverage is provided through the Programa Odontológico (POD). The company serves employees and retirees of Cemig and related companies in Minas Gerais, Brazil.

Differentiator

Problem solved

Functional benefit

Brands

• Conexão Saúde: Primary Health Care service model comprising three modalities: Conexão Saúde Presencial (physical clinics), Conexão Saúde Virtual (telehealth), and Conexão Saúde em Casa (home-based care). Offered exclusively to Cemig Saúde beneficiaries.
• Conexão Saúde Presencial
• Conexão Saúde Virtual
• Conexão Saúde em Casa
• Centro Integrado de Especialidades Conexão Saúde
• Centro de Infusão Compartilhado (CIC)
• Prosaúde Integrado da Cemig (PSI)
• Programa JUNTOS
• Mãe Estar
• Linha de Cuidados Juntos

Quantifiable outcome

• 96.9% customer satisfaction at Conexão Saúde clinics (CSAT methodology)
• +4 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

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• UNIDAS (União Nacional das Instituições de Autogestão em Saúde)coreStrategic or Co-development PartnerIndustry association membership - Cemig Saúde director serves on the board of Brazil's largest self-management health association representing approximately 4 million lives and 100+ affiliates (11% of supplementary health sector). Active participation in regulatory proposals and industry advocacy.
• ANS (Agência Nacional de Saúde Suplementar)coreOthersRegulatory oversight relationship - supervised by Brazil's national health supplement agency. Maintains compliance with ANS requirements including IDSS evaluations, guarantee of service monitoring, and coverage mandates.
• ANScoreOthersCOVID-19 testing partnership with Hermes Pardini laboratory for rapid antigen tests in Belo Horizonte and metropolitan area. Coverage mandated by ANS for symptomatic patients meeting clinical criteria.
• IBRC (Instituto Ibero-Brasileiro de Relacionamento com o Cliente)minorStrategic or Co-development PartnerResearch institute conducting annual beneficiary satisfaction surveys as required by ANS. Responsible for phone, email, and SMS survey distribution and data collection.
• TOTVScoreTechnology or IntegrationEnterprise software provider for operational systems including Protheus platform for credentialed provider portal (W_PWSX010.APW) and other business management systems.
• ForluzcoreOthersPension fund entity - one of 8 sponsoring companies of health plans for participants and employees. Represents employee benefit interest in governance.

Scale indicators8 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Geap Saúde: Self-management health operator for federal public servants — comparable autogestão model with sponsor-funded premiums and defined beneficiary population across multiple sponsoring entities.
• Postal Saúde: Autogestão health operator for Correios employees and retirees — directly comparable as a state-owned-enterprise-sponsored self-management health plan with similar product structure and beneficiary profile.
• Furnas Saúde: Self-management (autogestão) health operator for Furnas Centrais Elétricas employees and retirees — directly comparable as another Brazilian electric-sector utility-sponsored health plan with similar beneficiary structure and regional footprint.
• Eletros-Saúde: Autogestão health plan operator for Eletrobras group employees and retirees — analogous business model as a utility-sponsored self-management operator serving a defined beneficiary base across multiple subsidiaries.
• Cassi: Largest Brazilian autogestão health operator, sponsored by Caixa Econômica Federal. Directly comparable as a large self-management operator with own provider network, multiple plan products, and corporate-sponsor governance structure.
• Petrobras AMS: Petrobras's in-house health assistance program (Assistência Multidisciplinar de Saúde) — directly comparable as a major state-owned-enterprise-sponsored health plan with own provider network and defined beneficiary population.

Broad incumbents

• Bradesco Saúde: One of Brazil's largest commercial health insurers with corporate and individual products — comparable as a major Brazilian health plan operator with strong corporate-sponsor segment focus, though open-market rather than closed autogestão.
• Hapvida NotreDame Intermédica: Largest vertically integrated health plan operator in Brazil with own hospital and clinic network — comparable vertically-integrated model combining insurance with owned provider delivery, though serving open-market members.
• SulAmérica Saúde: Major Brazilian health insurer with strong corporate group-plan presence — comparable as a broad incumbent in the same supplementary health market competing for the same employer-sponsored member base that Cemig Saúde serves.
• Unimed: Brazil's largest medical cooperative with nationwide coverage and broad health plan offerings — comparable as a major Brazilian health plan operator serving both corporate and individual segments, though structured as a cooperative rather than autogestão.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCZ6w
• LinkedInlinkedin.com/company/cemig-saude
• Facebookfacebook.com/cemigsaude

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Cemig Saúde