Benefy

What Benefy does

MOST Corretora de Saúde (operating at benefy.com.br) is a privately-held, boutique health insurance broker founded in 2018 and headquartered in São Paulo's Itaim Bibi financial district, with a secondary office in Rio de Janeiro's Barra da Tijuca. The firm advises former executives, entrepreneurs, and business owners on the purchase and management of high-end family and corporate health plans, working as an intermediary with six of Brazil's leading insurers — Amil, SulAmérica, Bradesco Saúde, Omint, Careplus, and Porto Saúde — to provide access to premium accredited networks such as Einstein, Sírio, and Fleury. Co-founded and led by Fernando Garcia and Juliana Mello, both former HR executives with 27+ and 28+ years of experience respectively at multinationals (PepsiCo, Unisys, Microsoft, Whirlpool, Senac), the company emphasizes a personalized, senior-led advisory model rather than a tech or self-service platform.

The company's revenue mechanics are commission-based: MOST earns broker commissions from insurance carriers on placed policies. The core product is health insurance brokerage advisory for individuals and SMEs, typically targeting policyholders seeking high-tier networks. A secondary product, the Executive Care program, offers confidential health-plan continuity guidance to HR departments and departing executives during career transitions; this service is provided free to both companies and executives and functions as a relationship-building channel into the core brokerage business. The go-to-market is direct, sales-led, and relationship-driven — relying on personalized consultation, WhatsApp and phone outreach, professional networking on LinkedIn, and lead capture via the company website. There is no proprietary technology platform disclosed; pricing is not publicly available and varies by provider, coverage level, and number of policyholders/dependents.

MOST has accumulated over 500 clients since founding, all within Brazil (Southeast region focus). The company remains small (1–10 employees), is owner-operated by its two co-founders, and shows no evidence of external institutional investors, parent company ownership, or acquisition activity. Distribution is exclusively domestic, and the company positions itself as a premium-tier specialist rather than a mass-market or digital-first broker.

Name

Benefy

Legal name

MOST Corretora de Saúde

Website

https://benefy.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

MOST Corretora de Saúde is a São Paulo–based boutique health insurance broker that advises former executives, entrepreneurs, and business owners on premium health plans from Amil, SulAmérica, Bradesco Saúde, Omint, Careplus, and Porto Saúde, serving 500+ clients across Brazil.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Health insurance brokerage
• Executive health plans
• Premium healthcare advisory
• Corporate benefits consulting
• Health plan consulting

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Brokerage Commissions: MOST earns commissions from insurance providers (Amil, SulAmérica, Bradesco Saúde, Omint, Careplus, Porto Saúde) for placing health insurance plans with clients. The Executive Care program is provided free of charge to both companies and executives.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

MOST is a boutique health insurance broker that advises former executives, entrepreneurs, and business owners on the purchase and management of premium family and corporate health plans in Brazil. It also operates the Executive Care program, which supports HR departments and departing executives in maintaining health plan continuity during career transitions, offered free of charge to both companies and executives.

Product overview

MOST is a boutique health insurance broker founded in 2018 offering two integrated services: core Health Insurance Brokerage Services for advising former executives, entrepreneurs, and business owners on purchasing and managing premium health plans with Brazil's top providers; and the Executive Care sub-product program that specifically supports HR departments and departing executives in maintaining health insurance continuity during career transitions.

Differentiator

Problem solved

Functional benefit

Brands

• Executive Care: An exclusive program to support executives in career transition, offering security, peace of mind, and continuity in choosing a health plan. The program provides comprehensive and confidential guidance on purchasing a family or corporate health insurance plan, including access to premium plans (Einstein, Sírio, Fleury).

Products and services

• Health Insurance Brokerage Services Personalized advisory service for purchasing and managing premium health insurance plans with access to top-tier hospital, laboratory, and physician networks in Brazil (including Amil, SulAmérica, Bradesco Saúde, Omint, Careplus, Porto Saúde, and premium hospitals such as Einstein, Sírio, and Fleury). Targeted at former executives, entrepreneurs, and business owners seeking high-end coverage.
• Executive Care Program that supports HR departments and departing executives in maintaining health plan continuity during career transitions, providing confidential guidance on purchasing a family or corporate health plan with access to premium networks such as Einstein, Sírio, and Fleury. Offered free of charge to both companies and executives.

Quantifiable outcome

• 70% of executives in transition consider health insurance maintenance a crucial factor for personal and family stability (referenced from Mercer data)

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• AmilcoreChannel Partner/ Reseller/ DistributorHealth insurance provider represented by MOST for health plan brokerage services.
• SulAméricacoreChannel Partner/ Reseller/ DistributorHealth insurance provider represented by MOST for health plan brokerage services.
• Bradesco SaúdecoreChannel Partner/ Reseller/ DistributorHealth insurance provider represented by MOST for health plan brokerage services.
• OmintcoreChannel Partner/ Reseller/ DistributorPremium health insurance provider represented by MOST for health plan brokerage services.
• CarepluscoreChannel Partner/ Reseller/ DistributorHealth insurance provider represented by MOST for health plan brokerage services.
• Porto SaúdecoreChannel Partner/ Reseller/ DistributorHealth insurance provider represented by MOST for health plan brokerage services.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Others

• Alice: Brazilian health plan operator combining primary care clinics with health insurance. Not a direct broker competitor — Alice underwrites risk — but represents the type of premium-positioned carrier that could complement or compete with MOST's placement business depending on partnership vs. disintermediation dynamics.
• Sami Saúde: Brazilian health plan operator offering corporate and individual plans with a tech-enabled experience. Not a direct broker peer — Sami underwrites and carries risk — but competes for the same health-insurance buyer attention in Brazil and is one of the carrier alternatives MOST could potentially distribute.
• SulAmérica: Major Brazilian health and dental insurer, also serving as one of MOST's key carrier partners. Comparable as a counterparty in MOST's distribution stack and as a potential disintermediation threat as SulAmérica invests in its own digital sales channels.
• Omint: Premium-tier Brazilian health insurer serving executive and high-net-worth segments. Directly comparable to MOST's target customer base and represents both a key distribution partner and a competitive threat if Omint invests in direct advisory channels for the same premium segment.
• Bradesco Seguros: One of Brazil's largest insurance groups, offering health, life, and P&C products through proprietary and broker channels. Comparable as a carrier relationship for MOST (Bradesco Saúde is a partner) and as a vertically integrated competitor pushing direct distribution that bypasses brokers like MOST.

Emerging players

• Akko: Brazilian insurtech specializing in gadget and electronics insurance with a digital broker/distribution model. Comparable as a tech-forward insurance intermediary in Brazil, but operating in a niche line rather than MOST's premium health-insurance segment.
• Justos: Brazilian insurtech offering auto insurance with a tech-enabled, direct distribution model. Comparable to MOST as an emerging Brazilian insurance intermediary leveraging differentiated positioning, though focused on auto rather than health and operating with carrier-like risk-taking rather than pure brokerage.

Broad incumbents

• Porto Seguro: Brazilian insurance conglomerate offering health, auto, home, and life insurance through proprietary and broker networks. Porto Saúde is a MOST carrier partner; the broader Porto Seguro group is a comparable broad incumbent in the Brazilian insurance distribution landscape with both direct and broker-enabled models.
• Wiz Soluções Corretora: One of Brazil's largest insurance brokerages, distributing life, health, auto, and property products through banking and retail channels. Directly comparable to MOST as a multi-carrier intermediary, though Wiz operates at vastly greater scale and across many insurance lines beyond MOST's health-focused boutique segment.

Direct peers

• Minuto Seguros: Brazilian digital insurance broker that compares and sells policies across multiple carriers online. Directly comparable to MOST as a multi-carrier broker, but takes a tech-led, self-service approach rather than MOST's boutique advisory model; both earn commissions from the same pool of major Brazilian insurers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/mostcorretora
• Instagraminstagram.com/mostcorretora

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Benefy