TRADE Seguros Saúde

What TRADE Seguros Saúde does

TRADE Seguros Saúde (legal entity Trade Adm e Corretagem de Seguros Ltda, CNPJ 24.271.554/0001-91) is a privately-held Brazilian insurance brokerage headquartered in the Consolação district of São Paulo at Av. Angélica, 2582. The firm operates as a licensed corretora de seguros specializing in the distribution and advisory of health and dental insurance plans drawn from a multi-carrier portfolio that includes SulAmérica, Amil, Bradesco, GNDI, Hapvida, Golden Cross, Omint, Porto Seguro, Allianz, São Cristóvão Saúde, Transmontano, Unimed, and QSaúde. The brokerage serves both corporate clients (with plans starting at 2 lives for PME and larger enterprises under CNPJ contracts, claiming up to 35% cost reductions versus traditional individual contracts) and individual/family buyers in the Brazilian market, marketing itself as a consultancy-led intermediary between policyholders and insurance operators.

The company's product surface comprises three primary plan categories—complete health coverage, coparticipation plans with monthly base fees plus per-use charges, and occasional-use plans—alongside dental plans and corporate solutions. Service infrastructure is organized across four specialized in-house departments: commercial consulting (consultoria comercial) led by 30+ dedicated insurance consultants who handle prospecting and quote delivery; implementation (implantação) managing contracts and 72-hour activations after payment; customer success (sucesso do cliente) overseeing insured-person verification, card issuance, duplicate-payment resolution, and portal usage; and customer experience (experiência do cliente) handling operational demands such as benefit changes, reimbursements, and permanence letters. Technology is limited to a web-based quote request form, WhatsApp-driven lead intake (numbers +55 (11) 91937-6404 and +55 (11) 99137-2928), and an SEO-oriented content-marketing blog; TRADE discloses no proprietary platform, AI/ML capabilities, APIs, SDKs, or mobile app.

The revenue model is commission-based with subscription_recurring economics: TRADE earns first-year and renewal commissions from insurance carriers on every policy it places and retains, with no direct fee charged to end clients for the brokerage service itself. Distribution combines an enterprise sales-led motion (field consultants targeting corporate accounts of 2 to 200+ beneficiaries) with inside-sales digital capture through WhatsApp and website forms for SMB and individual buyers. Marketing relies on content-driven SEO around regulated topics (ANS rules, plan comparisons, coparticipation, portability) and on the digital-first QSaúde partnership announced in July 2022, through which QSaúde's family-medicine and telemedicine product is distributed via TRADE's consultant channel. The company is founder-operated, has not raised external funding, operates as an SUSEP- and ANS-regulated entity with documented LGPD compliance, and confines operations to the Brazilian market with primary concentration in São Paulo.

Name

TRADE Seguros Saúde

Legal name

Trade Adm e Corretagem de Seguros Ltda

Website

https://tradecorretora.com.br

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

TRADE Seguros Saúde is a São Paulo-based insurance brokerage specializing in health and dental plan distribution for Brazilian corporate clients (PME and larger enterprises) and individuals through a multi-carrier portfolio with 30+ dedicated consultants.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYHLAEAAAD

Administrative Services Only (ASO) for Employers

Healthcare & Life Sciences/Health Insurance & Managed Care/Commercial (Employer-Sponsored) Health Insurance

SECONDARYHLAEALAN

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

SECONDARYFSAIAEAK

Individual Health Insurance Administration (TPA/ASO)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

Keywords

• Health insurance brokerage
• Corporate health plans
• Dental insurance brokerage
• Insurance consultancy services
• PME benefits advisory

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: TRADE acts as an authorized insurance broker (corretora) distributing health and dental plans from multiple insurance carriers (Amil, Allianz, Bradesco, GNDI, Hapvida, Omint, Porto Seguro, São Cristóvão Saúde, SulAmérica, Transmontano, Unimed, QSaúde, and others). Revenue is generated through commissions paid by insurance companies on policies sold and renewed.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

TRADE Seguros Saúde is an authorized insurance brokerage (corretora) that intermediates the sale of health and dental insurance plans from multiple carriers (including SulAmérica, Amil, Bradesco, GNDI, Omint, Porto Seguro, QSaúde, and others) to individuals, families, and corporate clients in Brazil. Its core offerings comprise Planos de Saúde, Planos Odontológicos, and Soluções Empresariais, supported by consultative services for plan selection, implementation, customer success, and portability administration.

Product overview

TRADE Seguros Saúde is an insurance brokerage offering health and dental insurance advisory services for businesses and individuals. The company provides a portfolio of insurance products including complete health insurance, co-payment plans, and occasional-use plans, complemented by business solutions, dental plans, and specialized services including commercial consulting, plan implementation, customer success, and customer experience management. All products are certified, guaranteed, and regulated by SUSEP and ANS Rol de Procedimentos. The company operates with partnered insurance operators including Amil, Allianz, Bradesco, GNDI, Hapvida, Omint, Porto Seguro, São Cristóvão Saúde, SulAmérica, Transmontano, and Unimed, offering plans for groups starting at 2 lives with corporate CNPJ contracts achieving up to 35% cost savings.

Differentiator

Problem solved

Functional benefit

Products and services

• Planos de Saúde (Health Insurance Plans) Health insurance plans brokered on behalf of multiple carriers, giving clients access to consultations, medical exams, and treatments through partner operator networks; available for individuals, families, and companies.
• Planos Odontológicos (Dental Insurance Plans) Dental insurance plans providing coverage for dental consultations, procedures, and treatments, brokered on behalf of partner dental operators for individuals, families, and corporate clients.
• Soluções Empresariais (Corporate Solutions) Customized business health insurance solutions providing group coverage for employees with CNPJ-based contracts starting from 2 beneficiaries; includes comparative quoting across multiple carriers, implementation, and ongoing account management.
• Seguro-saúde Completo (Full Health Insurance) Full-coverage health insurance plan with no coparticipation, offering access to the full provider networks of partner operators for individuals, families, and corporate clients.
• Seguro-saúde com Coparticipação (Co-payment Health Insurance) Health insurance plan with a coparticipation feature offering lower monthly premiums plus additional charges applied per consultation or exam used; designed for infrequent users, small businesses, and cost-conscious profiles.
• Seguro-saúde Eventual (Occasional-use Health Insurance) Occasional-use health insurance plan targeting clients who use healthcare services sporadically; does not cover elective exams and uses pay-as-you-go billing.
• Consultoria Comercial (Commercial Consultancy) Front-end consultancy service for prospect acquisition and proposal preparation, delivered by over 30 health insurance consultants who capture prospect needs and present tailored, transparent proposals.
• Cartas de Permanência (Permanence Letters) Stand-alone service for issuing permanence letters that document the minimum time requirements a beneficiary must fulfill with an operator to enable migration or portability of their health plan.

Quantifiable outcome

• Corporate CNPJ contracts can achieve cost reductions of up to 35% compared to traditional individual contracts

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• QSaúdecoreStrategic or Co-development Partner · 1 July 2022TRADE has established a strategic partnership with QSaúde, a São Paulo-based healtech offering health insurance plans with a focus on family medicine and digital-first experience. The partnership provides TRADE clients access to QSaúde's plans starting from 01 life (CNPJ or individual). QSaúde differentiates through features including a dedicated family physician, digital app with telemedicine, and concierge services at hospitals such as Albert Einstein. TRADE consultants received in-person training at QSaúde's headquarters on Av. Paulista to fully understand the products and services.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bidu Corretora: Online Brazilian corretora offering multi-carrier health, dental, and life plans with instant quote comparison. Closely mirrors TRADE's multi-carrier positioning while competing digitally, with overlapping PME and individual buyer segments.
• 180 Seguros: Brazilian online corretora with multi-carrier offerings including health, dental, and corporate plans. Comparable in its multi-carrier distribution model and overlap with TRADE's PME and individual buyer targets.
• Minuto Seguros: One of Brazil's largest online corretoras, distributing auto, health, life, and business insurance across multiple carriers. Directly comparable as a multi-carrier broker with a digital-first distribution model targeting both individuals and PMEs.
• IGS — Internet Group de Seguros: Among the largest Brazilian online insurance broker groups, with broad multi-line distribution including health plans. Directly comparable as a multi-carrier corretora with both digital and consultant-led channels for individual and corporate clients.
• YVY Brasil: Brazilian insurance broker with a multi-carrier distribution model serving individual and corporate buyers. Comparable to TRADE's corretora positioning and reliance on carrier relationships.
• Apólice Fácil: Brazilian online insurance broker selling multi-carrier health, auto, and life plans. Operates in the same corretora segment as TRADE, targeting individuals and small businesses with multi-carrier comparison.

Broad incumbents

• Willis Towers Watson Brasil: Global insurance and benefits brokerage with Brazilian presence focused on corporate and enterprise risk management and benefits placement. Comparable as a broker/consultancy in the same health-benefits distribution category, with overlapping employer-sponsored health insurance focus.
• Aon Brasil: Brazilian operations of global broker Aon, with an established corporate health & benefits practice. Comparable as a broker/consultancy selling health insurance placement to corporate clients, though serving predominantly larger enterprises than TRADE.
• Marsh Brasil: Brazilian arm of global insurance broker Marsh, serving large enterprise and corporate clients across multiple lines including health & benefits. Operates in the same brokerage/consultancy space as TRADE but at much larger scale and complexity, focused on enterprise vs. PME/individual.

Emerging players

• Justos: Brazilian digital-first insurtech starting in auto and adjacent to health distribution. Comparable as an emerging tech-enabled Brazilian insurance intermediary whose ambition to expand into broader benefits distribution could overlap with TRADE's PME and individual markets over time.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tradesegurosaude
• LinkedInlinkedin.com/company/trade-corretora-de-seguros
• Instagraminstagram.com/trade_seguro_saude

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 TRADE Seguros Saúde