Fenix Medical

What Fenix Medical does

Fenix Medical (legal entity R.M.I OPERADORA DE SAÚDE INTEGRADA LTDA, CNPJ 25.205.234/0001-04) is a Brazilian private health insurance operator (operadora de planos de saúde) registered with the Agência Nacional de Saúde Suplementar (ANS) under registration nº 42.027-1. The company is headquartered at Rua Paulo Antônio do Nascimento, 110, Sorocaba, São Paulo, and operates exclusively in the Sorocaba region across five municipalities (Sorocaba, Votorantim, Salto de Pirapora, Piedade, Araçoiaba da Serra). Fenix Medical offers individual, corporate (empresarial), and collective adhesion (coletivo por adesão) health plans under two product tiers — Select (including Select Plus with apartment accommodation) and Fit — with options for coparticipation or no coparticipation and ward or apartment accommodation standards. The portfolio carries multiple ANS-registered plan numbers across these modalities, and the company runs ancillary offerings including the Adulto+ preventive medicine program for elderly members with orthopedic conditions and a digital services suite (mobile app on Android/iOS, virtual ID card, online provider directory, WhatsApp service, and beneficiary portal at planoonline.com.br).

The company's core operational infrastructure is the MPLAN SISTEMAS management platform, which exposes RESTful APIs built on HTTP verbs with HATEOAS navigation links, JWT-based authentication with token expiration controls, and JWE encryption for secure document transmission. Revenue is generated entirely through recurring monthly health insurance premiums (subscription model) across the three modalities, with pricing not publicly disclosed and routed via inside-sales consultations by phone (15 3033-6011), WhatsApp (15 99108-1203), website simulation tools, and an in-person service office. Distribution is regional and direct — no third-party brokers are referenced — and annual premium adjustments are governed by ANS regulations (RN 565 for collective plans under 30 beneficiaries; separate rules for individual plans). The company is privately held with no disclosed parent, subsidiaries, funding rounds, or institutional investors, and reports no headcount. Operational signals are mixed: while the company actively publishes plan updates and regulatory notices, its ANS IDSS score collapsed from 0.6631 in 2023 to 0.1879 in 2024 (its lowest in seven years), and it has issued four provider-network descredenciamento notices between January 2025 and February 2026, indicating ongoing network rationalization and quality-control pressure.

Name

Fenix Medical

Legal name

R.M.I OPERADORA DE SAÚDE INTEGRADA LTDA

Website

https://fenix.med.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Fenix Medical is a Brazilian ANS-registered health insurance operator (operadora de planos de saúde) headquartered in Sorocaba, São Paulo, offering individual, corporate, and collective adhesion plans across a five-municipality regional network via inside sales and digital channels.

Ownership category

akta.pro rank

Product category

Supplemental Health Insurance

NAICS

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

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industry

Managed Care Entity Administration for Medicaid (MCO/PHP/PIHP/PAHP) (HLAEAEAJ)

Keywords

• Supplemental health insurance
• Health plan operator
• Collective adhesion plans
• Corporate health benefits
• Regional healthcare coverage

Headquarters

HQ city

Sorocaba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Fenix Medical generates revenue primarily through recurring monthly health insurance premiums paid by individual beneficiaries (plano individual), business owners (empresários individuais), companies of all sizes (planos empresariais), and collective adhesion groups (planos coletivos por adesão). Plans are offered with and without coparticipation, and with different accommodation standards (enfermaria/apartamento).

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Fenix Medical is a Brazilian health insurance operator (operadora de planos de saúde) selling individual, corporate (empresarial), and collective-by-adhesion health plans to beneficiaries in the Sorocaba and Votorantim region of São Paulo. Plans cover ambulatory and hospital care with obstetrics, emergency services for adults and children, elective consultations, exams, therapies, clinical and surgical hospitalizations, ICU, and childbirth, delivered through an accredited network of hospitals, clinics, and laboratories across five municipalities, with options of ward or apartment accommodation and with or without coparticipação.

Product overview

Fenix Medical is a health insurance operator (operadora de planos de saúde) offering a portfolio of health plans under two main sub-brands (Select and Fit) across three modalities: Individual, Corporate (Empresarial), and Collective by Adesão (Adesão). Plans are available with or without co-participation and offer different accommodation standards (ward vs. apartment). The Select Plus tier provides superior accommodation while the Fit tier offers economical options. The company also provides digital services through its mobile app (APP Fenix Medical) and online portal, plus a preventive medicine program called Adulto+ for senior members with orthopaedic conditions. All plans operate through an accredited network of hospitals, emergency care, and specialists in Sorocaba, Votorantim, Salto de Pirapora, Piedade, and Araçoiaba da Serra.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Individual (I100)

Quantifiable outcome

• Network of accredited providers covering five municipalities: Sorocaba, Votorantim, Salto de Pirapora, Piedade, and Araçoiaba da Serra
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Six partnerships are on record, tiered core and minor.

• Hospitals, Clinics, and Laboratories (Rede Credenciada)coreStrategic or Co-development PartnerFenix Medical maintains a network of accredited hospitals, emergency care facilities, specialist clinics, and diagnostic laboratories across Sorocaba, Votorantim, Salto de Pirapora, Piedade, and Araçoiaba da Serra. This accredited provider network is the primary service delivery mechanism for all Fenix Medical health insurance plans. The company publishes network updates and descredenciamento (de-accreditation) notices regularly.
• Entidades e Administradoras (Associations and Plan Administrators)coreChannel Partner/ Reseller/ DistributorFenix Medical offers collective adhesion plans (planos coletivos por adesão) through partner professional associations and plan administrator organizations. These entities facilitate access to health insurance for their member populations, acting as intermediaries between Fenix Medical and eligible beneficiaries.
• Farmácias (Pharmacy Partners)minorStrategic or Co-development PartnerFenix Medical provides pharmacy discount benefits to its beneficiaries through pharmacy partner arrangements, enhancing the value proposition of its health plans with prescription drug savings.
• MPLAN SISTEMAScoreTechnology or IntegrationMPLAN SISTEMAS is the management system provider for Fenix Medical, providing the core operational infrastructure including API integrations, data management, and system security. Fenix Medical relies on MPLAN SISTEMAS for system access, standardization, and security of its digital operations.
• Clínica Santo AntôniominorOthersClínica Santo Antônio in Votorantim (Av. Santo Antônio, 150) and Sorocaba (Av. Comendador Pereira Inácio, 1070) is referenced as a clinic accepting Fenix Medical beneficiaries, specifically serving as a referral destination following de-accreditation of other providers in orthopedics and gynecology/obstetrics.
• Clínica SensiclinminorOthersClínica Sensiclin (Unidade Centro: Rua Monsenhor João Soares, 106, Sorocaba; Unidade Jardim Emília: Rua Sir Alexander Fleming, 374) is referenced as a clinic accepting Fenix Medical beneficiaries, serving as a referral destination for de-accredited psychology, evaluation, and psychopedagogy services.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Hapvida NotreDame Intermédica: Brazil's largest vertically-integrated health plan operator after the 2022 merger, offering individual, empresarial, and adhesion plans across most Brazilian states. Competes with Fenix Medical for SME employers and is increasingly entering tier-2 markets like Sorocaba.
• Porto Seguro Saúde: Health plan operator within Porto Seguro group, offering individual and corporate plans nationally. Comparable product structure and competes for SME employers in São Paulo interior markets.
• SulAmérica Saúde: Major Brazilian health plan operator offering individual, family, and corporate plans with national reach. Competes for SME and enterprise accounts in São Paulo state where Fenix Medical also operates.
• Bradesco Saúde: Brazilian health insurance arm of Bradesco, focused on corporate/SME plans with national network. Competes with Fenix Medical for Sorocaba empresas and bundles health benefits with banking products to undercut smaller carriers.
• NotreDame Intermédica (pre-merger): Pre-Hapvida Intermédica was a major São Paulo-focused health plan operator with strong presence in interior SP. Closest historical competitor in the Sorocaba/São Paulo corridor before consolidating with Hapvida.
• Amil: One of Brazil's largest health plan operators (UnitedHealth Group subsidiary) offering individual, family, and corporate plans nationally. National brand and network breadth make it the dominant alternative for Sorocaba corporate buyers shopping for benefit partners.

Direct peers

• Golden Cross: Mid-sized Brazilian health plan operator offering individual, family, and corporate plans nationally. Comparable scale and product structure to Fenix Medical, also competes for SME employers.
• Unimed Sorocaba: Cooperative health plan operator serving the Sorocaba region with multi-specialty accredited networks. Most direct geographic and product-market peer, competing head-to-head for individuals and empresas in the same five-municipality catchment.
• Assim Saúde: Regional Brazilian health plan operator with strong presence in Rio de Janeiro and expanding nationally. Similar product segmentation (individual/empresarial/adhesão) and competitive positioning to Fenix Medical as a mid-tier carrier.

Emerging players

• Care Plus: Premium-tier Brazilian health plan operator focused on executive and SME segments. Comparable Select-tier positioning; competes for higher-end corporate buyers in São Paulo state.

Market position

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/medicalfenix
• LinkedInlinkedin.com/company/fenixmedical
• Instagraminstagram.com/fenixmedical

Compliance1 record

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 Fenix Medical