Name

Life Empresarial Saude

Legal name

Life Empresarial Saúde

Website

https://lifeempresarial.com.br

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Corporate Health Insurance

NAICS

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

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411), Services-Health Services (8000)

akta.pro primary industry

Worksite Dental Insurance (FSAIAMAG)

Keywords

• Corporate health insurance
• Dental insurance plans
• Supplementary healthcare
• Healthcare provider network
• Employee health benefits

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Life Empresarial Saúde generates revenue primarily through monthly health insurance premiums paid by corporate clients (companies) on behalf of their employees. The company offers multiple medical plan tiers (Exclusivo+, Premium+, Executivo, Executivo Prime, Ouro, Diamante) and dental plans, with pricing based on the plan tier and number of covered lives.
2. Dental Plan Premiums: Separate dental plan premiums are collected, covering six tiers (Verde, Azul, Bronze, Prata, Ouro, VIP) with escalating coverage from basic preventive care through implant dentistry and laser whitening. Revenue is recurring and billed as part of the corporate plan package.
3. Reimbursement Processing: The company processes reimbursement claims for beneficiaries who receive emergency or urgent care outside the credentialed network. Reimbursements are calculated according to the limits of the contracted plans, providing a supplemental revenue-adjacent service stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Life Empresarial Saúde is a Brazilian supplementary health insurance operator regulated by ANS (Agência Nacional de Saúde Suplementar). It sells corporate medical and dental insurance plans to companies for their employees, providing access to a national credentialed network of hospitals, clinics, laboratories, and dental providers. The offering is complemented by digital self-service tools (Aplicativo Life mobile app and web portal), a 24-hour medical telephone support service (Médico Life), a chronic care and prevention program (Autocuidado Sustentável), and reimbursement processing for out-of-network care.

Product overview

Life Empresarial Saúde operates as a supplementary healthcare operator offering an integrated health and dental insurance platform across Brazil. The core product portfolio consists of medical plans providing national coverage through a credentialed provider network, complemented by dental plans with six tiered options (Verde, Azul, Bronze, Prata, Ouro, VIP) ranging from basic preventive care to implantodontics. The platform includes digital access via the Life App (mobile application), telephone-based services such as Médico Life (24-hour medical support) and the Autocuidado Sustentável program (health management and prevention), plus administrative tools for reimbursement processing and provider credentialing. The offering is structured for corporate clients with dedicated HR support channels and provider portals for billing and authorization management.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Médico (Medical Plan) Corporate health insurance plan providing medical coverage throughout Brazil, including access to hospitals, clinics, laboratories, and specialists through the company's credentialed provider network. Sold to companies for coverage of their employees and dependents.
• Plano Odontológico (Dental Plan) Corporate dental insurance plan with six escalating coverage tiers (Verde, Azul, Bronze, Prata, Ouro, VIP) ranging from minimum ANS-mandated preventive care to implantodontics and laser whitening. Includes token-based authentication for dental appointments.
• Aplicativo Life (Life App) Mobile application for plan beneficiaries providing credentialed provider network lookup, online authorization tracking, 24-hour medical support, medication guidance, and prescription advice. Available on Google Play and Apple App Store.
• Médico Life (24-Hour Medical Hotline) 24-hour telephone medical support service for beneficiaries, providing health guidance, medication information, prescription advice, and home care for urgent and emergency cases in select cities.
• Autocuidado Sustentável (Sustainable Self-Care Program) Corporate health management and prevention program for HR departments, including health mapping, chronic disease case management, inpatient follow-up, post-discharge care, and prenatal support.
• Rede Credenciada (Credentialed Provider Network) National network of credentialed healthcare providers (hospitals, clinics, laboratories, specialists) available to plan beneficiaries across Brazil, searchable through the company's web portal and mobile app.
• Reembolso (Reimbursement Service) Cash reimbursement processing for emergency or urgent care expenses when the credentialed network is unavailable within the plan's geographic coverage area.

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

Feature5 records

Partnerships

One partnership is on record.

• OrizonsupportingTechnology or IntegrationOrizon is a technology platform used by Life Empresarial Saúde for electronic billing (faturamento eletrônico) submission by healthcare providers. Providers access the Orizon platform at www.orizon.com.br to submit XML billing data in compliance with ANS TISS standards. Orizon provides 24-hour support to providers at 3003-7333 (major centers) and 0800-7247 333 (other regions).

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Amil: Large Brazilian health insurer owned by UnitedHealth Group, offering corporate and individual plans with national provider networks. Competes directly with Life for corporate accounts, particularly large employer RFPs.
• Unimed: Largest cooperative medical workforce in Brazil, with hundreds of regional Unimed operators offering corporate and individual health plans. National brand presence and provider network breadth compete directly for corporate accounts.
• Bradesco Saúde: One of Brazil's largest health insurance operators, owned by Bradesco Seguros. Offers corporate and individual medical and dental plans with a national provider network, directly competing with Life Empresarial Saúde for corporate accounts.
• Hapvida NotreDame Intermédica: Brazil's largest health insurance operator by beneficiaries, formed via the merger of Hapvida and NotreDame Intermédica. Operates integrated provider-insurer model with corporate clients, competing directly for nationwide corporate contracts.
• Porto Seguro Saúde: Brazilian insurer offering health and dental plans primarily through corporate channels and group affinity programs. Similar B2B distribution and tiered product structure to Life Empresarial Saúde.
• Odontoprev: Brazil's largest dedicated dental plan operator, serving corporate clients nationwide with tiered product offerings. Directly comparable to Life's dental insurance business (six tiers from preventive to implantology).
• SulAmérica: Major Brazilian health and dental insurance operator serving corporate and individual clients nationwide. Comparable product structure (tiered medical + dental) and similar B2B corporate distribution motion make it a direct competitor.

Broad incumbents

• MetLife Brasil: Global insurer with Brazilian operations offering group dental, life, and supplemental health benefits through corporate/worksite channels. Competes in the same worksite dental insurance category with broader product portfolio.
• Allianz Saúde: Global insurer offering corporate health and dental plans in Brazil as part of a wider insurance portfolio. Competes for corporate benefits RFPs though with a broader product range than Life's specialized focus.

Emerging players

• Sami Saúde: Brazilian health-tech startup offering corporate health plans with value-based care and tech-enabled chronic disease management. Represents the emerging digital-first model that could disrupt traditional operators like Life Empresarial Saúde.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/lifeemp_saude
• LinkedInlinkedin.com/company/life-empresarial-sa-de

Compliance3 records

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 Life Empresarial Saude