São Bernardo Saúde

What São Bernardo Saúde does

São Bernardo Saúde, operating commercially as São Bernardo Samp, is a private Brazilian health insurance operator (operadora de saúde) headquartered in Vitória, Espírito Santo, and regulated by the Agência Nacional de Saúde Suplementar (ANS) under CNPJ 02.403.281/0001-59. The company sells individual, family, and corporate medical and dental health plans, including a Plano Nacional product with nationwide provider network access, and claims to be the largest health insurance operator in Espírito Santo state. Its distribution is multi-channel: direct-to-consumer self-service contracting online, an independent broker (corretor) network, and a dedicated enterprise sales motion for corporate clients (empresas). Exclusive inpatient access is provided through a partnership with Hospital Vitória Apart, and the company also operates its own clinics (Rede Própria) alongside an extensive regional medical and dental provider network.

The technology layer centers on the SAMP mobile application (iOS and Android), which provides appointment scheduling, telemedicine consultations, provider network search, a virtual insurance card (Carteirinha Virtual), authorization requests, billing, and reimbursement workflows. This is complemented by a multi-portal ecosystem with dedicated access points for beneficiaries, empresas, corretores, prestadores médicos, and prestadores odonto, plus a Clube de Benefícios perk program and a Medicina Preventiva initiative. Telemedicine and preventive medicine are positioned as core service features alongside traditional indemnity-style coverage.

Revenue is generated through recurring monthly premiums on individual and corporate subscription contracts, with plan tiers and copayment options that vary by coverage scope; specific pricing is not publicly disclosed. The company is part of the broader Humana Saúde Group, which includes Humana Saúde Sul, Humana Saúde Nordeste, and Humana Saúde Sudeste as related regional entities under shared corporate governance, suggesting a multi-state operating footprint beyond the Espírito Santo home market. The company is privately held, with no disclosed funding rounds, institutional investors, or parent company holdings identified in the input data.

Name

São Bernardo Saúde

Legal name

São Bernardo Samp

Website

https://saobernardosaude.com.br

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

251–500 employees

Short description

São Bernardo Saúde (São Bernardo Samp) is a private, ANS-regulated Brazilian health insurance operator headquartered in Vitória, Espírito Santo, selling medical and dental plans to individuals, families, and corporate clients through direct, broker, and enterprise channels.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

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

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Administrative Services Only (ASO) for Employers (HLAEAAAD)

akta.pro secondary industries

Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ), Dental Insurance (FSAIAHAA)

Keywords

• Health insurance plans
• Dental insurance coverage
• Medical provider network
• Corporate health benefits
• Telemedicine services

Headquarters

HQ city

Colatina

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly recurring premiums collected from individual (beneficiaries) and corporate (empresas) health insurance plan subscribers. Plans include medical and dental coverage with various tiers and copayment options.

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

São Bernardo Saúde (São Bernardo Samp) is a regulated Brazilian health insurance operator (operadora de saúde) that sells medical and dental health insurance plans to individual beneficiaries, families, and corporate clients. Plans are delivered through an accredited national and regional network of clinics, hospitals, laboratories, imaging centers, and dental providers, supported by a digital service ecosystem including the SAMP mobile app, telemedicine, an online provider directory, and self-service contracting portals for beneficiaries, brokers, and corporate accounts.

Product overview

São Bernardo Samp is a health insurance operator offering a comprehensive portfolio of medical and dental insurance plans for individuals, families, and corporate clients. The core products include medical plans (Plano Médico) and dental plans (Plano Odontológico), available in national and regional coverage options. The company operates through an integrated digital ecosystem comprising the SAMP App (mobile application) for beneficiaries, multiple dedicated portals for different user segments (beneficiaries, companies, brokers, and medical providers), and telemedicine services. The product portfolio also includes preventive medicine programs, virtual insurance cards, reimbursement services, and an extensive network of healthcare providers including clinics, hospitals, laboratories, and imaging centers. The company positions itself as the largest health operator in Espírito Santo state, Brazil.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Médico (Medical Health Plan) Medical health insurance plan offering coverage for consultations, emergency care, hospitalizations, surgeries, childbirth, laboratory tests, imaging, and other medical procedures delivered through the company's accredited network of clinics, hospitals, laboratories, and imaging centers. Sold to individual, family, and corporate clients.
• Plano Odontológico (Dental Health Plan) Dental insurance plan providing coverage for dental consultations, procedures, and treatments delivered through an affiliated dental provider network. Sold to individual, family, and corporate clients.
• Plano Nacional (National Health Plan) Health insurance plan with nationwide coverage across Brazil through an extensive network of accredited healthcare providers, offered to beneficiaries who require coverage beyond the regional Espírito Santo network.
• SAMP Mobile App Mobile application for beneficiaries that enables appointment scheduling and cancellation, telemedicine consultations, provider network search, virtual insurance card access, authorization requests, and invoice payments. Available on the App Store and Google Play.

Segments5 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 minor and core.

• Humana Saúde GroupminorOthersSão Bernardo Samp is part of the Humana Saúde group which includes regional health plans: Humana Saúde Sul, Humana Saúde Nordeste, and Humana Saúde Sudeste. These operate as related entities under shared corporate governance.
• Hospital Vitória ApartcoreStrategic or Co-development PartnerExclusive partnership with Hospital Vitória Apart providing São Bernardo Samp beneficiaries with exclusive access to hospital services including emergency care, hospitalizations, surgeries, and childbirth services.
• ANS (Agência Nacional de Saúde Suplementar)coreOthersBrazilian National Health Agency (ANS) is the regulatory body that oversees health insurance operators. São Bernardo Samp operates as a regulated entity under ANS guidelines and displays the ANS seal on its website.
• ABRAMGE (Associação Brasileira de Planos de Saúde)minorOthersBrazilian Association of Health Maintenance Organizations. São Bernardo Samp displays the ABRAMGE seal indicating membership in this industry association.
• Medical Provider NetworkcoreOthersExtensive network of medical providers including clinics for scheduled consultations, emergency care, Women's Clinic (Clínica da Mulher), hospitalizations, surgeries, childbirth, laboratories, and imaging clinics. Both national and regional coverage.
• Dental Provider NetworkcoreOthersNetwork of dental providers including clinics and individual dentists for odonto plan coverage. Available through online directory.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Hapvida NotreDame Intermédica: Vertically integrated Brazilian health insurer-operator with owned provider network, originally regional before scaling nationally. Comparable in combining insurer + provider functions and dual medical/dental offerings.
• Unimed: Brazil's largest cooperative health insurance system with hundreds of regional Unimed operators nationwide. Comparable as a multi-region medical/dental insurance platform with strong provider network integration.
• Amil: Major Brazilian health insurer owned by UnitedHealth Group offering medical and dental plans nationwide. Comparable product portfolio and dual individual/corporate GTM, though Amil operates at substantially larger national scale.
• SulAmérica: One of Brazil's largest national health and dental insurers serving individual and corporate clients across the country. Comparable as a multi-line health insurance carrier with overlapping products, but operating at national scale rather than regional focus.
• Bradesco Saúde: Health insurance arm of Bradesco, one of Brazil's largest financial conglomerates. Comparable as a medical and dental insurance carrier with strong corporate channel distribution; much larger national footprint than São Bernardo Samp.

Regional players

• Assim Saúde: Regional health insurance operator based in Rio de Janeiro serving corporate and individual clients. Comparable as a regional Brazilian health insurer with medical/dental plans and similar mid-market positioning.
• Humana Saúde: Parent group of São Bernardo Samp operating regional operators Humana Saúde Sul, Nordeste, and Sudeste. Highly comparable as sister regional health insurers under shared corporate governance with similar product offerings.

Direct peers

• Unimed Vitória: Regional cooperative health insurer operating in Espírito Santo with medical and dental plans sold through the Unimed cooperative system. Directly comparable as a regional health insurance carrier serving the same ES state customer base with similar product structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC4tnNnLZSkz_vQV7H3ipvqQ
• Facebookfacebook.com/saobernardosaude.com.br
• LinkedInlinkedin.com/company/s-o-bernardo-sa-de
• Instagraminstagram.com/saobernardosamp
• Xx.com/portalsbs

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 São Bernardo Saúde