Total MedCare

What Total MedCare does

Total MedCare is a Brazilian health insurance operator (operadora de saúde) affiliated with the Rede Adventista de Saúde (Adventist Health Network) and the Seventh-day Adventist Church, providing supplementary health plans to individuals, families, seniors, professional associations, and corporate clients across São Paulo and Mato Grosso do Sul. With over 40 years of operating history in the private healthcare segment, the company is positioned as the only health plan with complete care access to the full Adventist hospital infrastructure — Hospital Adventista de São Paulo (Liberdade), Hospital Adventista do Pênfigo, two medical centers, and a dedicated oncology center. The plan portfolio spans five tiers: Individual/Family, Individual Senior, Collective Adhesion, PME (2–99 beneficiaries), and Empresarial (100+ beneficiaries), each priced per beneficiary with optional copayment (coparticipação) structures and coverage adjusted annually under ANS (Agência Nacional de Saúde Suplementar) schedules.

The company's technology stack is a standard health-insurance administration platform: a beneficiary self-service portal (Portal do Beneficiário), a corporate portal (Portal da Empresa), a provider credentialing portal (Web Guias, powered by SDA Systems), a mobile app that enables network search without authentication, and a telemedicine scheduling module. Data security relies on SSL, SAFER, IDEA, and AES encryption. The architecture is administrative and transactional, with no disclosed AI/ML components, predictive analytics, or automated claims intelligence. The operator is privately held under a nonprofit foundation (Rede Adventista de Saúde) and has no identified venture capital or private equity backing.

Total MedCare generates revenue through recurring monthly per-beneficiary premiums, with corporate plans priced based on claims experience and age-band changes. Distribution is multi-channel: direct enterprise sales targeting SMEs and large corporations, licensed insurance brokers (corretores) with a dedicated portal, a 24-hour contact center, and digital self-service for beneficiaries. All plans operate under ANS regulatory constraints, including the mandatory coverage Rol, annual premium adjustment schedules, and standardized reporting. The company operates with 51–100 employees across two regional offices and serves a multi-segment customer base with no named enterprise anchors disclosed.

Name

Total MedCare

Legal name

Total MedCare

Website

https://totalmedcare.com.br

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Total MedCare is a Brazilian health insurance operator affiliated with the Adventist Health Network, serving individuals, families, seniors, associations, and corporate clients in São Paulo and Mato Grosso do Sul with five plan tiers and exclusive access to the Adventist hospital network.

Ownership category

akta.pro rank

Product category

Private Health Insurance

NAICS

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

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Value-Based Primary Care Organizations (Risk-Bearing) (HLAFAGAF)

Keywords

• Private health insurance
• Health plans
• Corporate health benefits
• Medical assistance
• Telemedicine services

Headquarters

HQ city

Liberdade

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Total MedCare generates revenue through monthly health insurance premiums charged to individual and corporate policyholders. Plans include options with and without copayment (coparticipacao). Premiums are priced per beneficiary and vary by plan tier (Standard, Pleno, Premium, Superior, Executivo) and geographic coverage area.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Total MedCare is a Brazilian private health insurance operator (operadora de saúde) that sells individual, family, senior, collective adhesion, SME (PME), and corporate (Empresarial) health plans. The company is affiliated with Rede Adventista de Saúde, providing beneficiaries with integrated access to the Adventist hospital network, and offers telemedicine as an add-on service supported by digital self-service tools.

Product overview

Total MedCare is a health insurance operator (operadora de saúde) affiliated with the Adventist Health Network (Rede Adventista de Saúde), with over 40 years of experience in the private healthcare sector. The company offers a portfolio of health plans including Individual/Family, Individual Senior, Collective Adhesion, PME (Small Business), and Corporate plans. The core products are the health insurance plans themselves, which provide comprehensive coverage including ambulatory care, hospitalization, obstetrics, consultations, exams, treatments, emergency care, and surgery. These plans are available in São Paulo and Mato Grosso do Sul regions. Total MedCare distinguishes itself by providing exclusive access to Hospital Adventista and its medical centers (Liberdade and Capão Redondo locations), plus an oncology center. The company supplements its core insurance products with self-service digital platforms including a Beneficiary Portal, Corporate Portal, Web Guias for healthcare providers, and a Mobile App for on-the-go network searches and plan management.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual/Family Health Plan Health insurance plan designed for individuals and families, providing medical and hospital coverage through the Rede Adventista de Saúde network. Aimed at retail consumers seeking private health coverage in Brazil.
• Senior Health Plan Health insurance plan tailored for older beneficiaries, with coverage and care pathways oriented to senior medical needs, delivered through the Adventist hospital network.
• Collective Adhesion Plan Health insurance plan contracted through professional associations, class entities, or qualifying groups (coletivo por adesão), offering private medical-hospital coverage to affiliated members.
• SME Health Plan (PME) Corporate health plan for small and medium-sized businesses (PME) covering 2 to 99 beneficiaries, providing private medical-hospital coverage via the Adventist network.
• Enterprise Health Plan (Empresarial) Corporate health plan for enterprises (Empresarial) with 100 or more beneficiaries, delivering private medical-hospital coverage through the Adventist hospital network, with negotiated corporate pricing.
• Telemedicine Service Remote medical consultation service provided as a complementary benefit/add-on to Total MedCare plan beneficiaries, enabling online clinical care without in-person visits.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• Hospital Adventista de São Paulo (HASP)coreStrategic or Co-development PartnerTotal MedCare is the only health plan with complete access to Hospital Adventista de São Paulo's full infrastructure, including medical consultations, clinical exams, outpatient procedures, treatments, emergency care, and inpatient services at the Liberdade location.
• Hospital Adventista do PênfigocoreStrategic or Co-development PartnerTotal MedCare offers integrated coverage through Hospital Adventista do Pênfigo, one of the Adventist Health Network's specialized hospitals, providing inpatient and outpatient services to plan beneficiaries.
• Rede Adventista de Saúde (Adventist Health Network)coreStrategic or Co-development PartnerTotal MedCare operates under the direction of the Rede Adventista de Saúde (Adventist Health Network), which oversees the network of hospitals, clinics, and health plan operators affiliated with the Seventh-day Adventist Church in Brazil. The network provides the institutional infrastructure, hospitals, and integrated care model that underpins Total MedCare's value proposition.
• ANS - Agência Nacional de Saúde SuplementarcoreOthersTotal MedCare is a licensed health insurance operator (operadora de saúde) regulated by ANS (Agência Nacional de Saúde Suplementar), Brazil's national supplementary health agency. The company complies with ANS regulations including the mandatory ANS health benefits Rol, data sharing requirements, and annual premium adjustments.
• Igreja Adventista do Sétimo Dia (Seventh-day Adventist Church)coreStrategic or Co-development PartnerTotal MedCare is an Adventist health institution affiliated with the Seventh-day Adventist Church. The church's healthcare mission and institutional network underpin Total MedCare's brand identity, hospital affiliations, and values-based care approach.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Unimed: Largest cooperative health insurance system in Brazil, with regional Unimed units operating under a national brand. Comparable to Total MedCare as a regional/multi-state health plan operator with physician-led or group-affiliated provider networks.
• Omint: Premium-tier Brazilian health insurance operator focused on corporate and high-end individual plans with curated provider networks. Comparable to Total MedCare's premium and executivo plans and its differentiated approach through a curated hospital network.

Broad incumbents

• NotreDame Intermédica: Brazilian health plan operator with its own hospital and clinic network, now part of Hapvida. Closely comparable to Total MedCare's integrated plan-plus-provider model, especially around corporate health contracts in São Paulo.
• Hapvida: Vertically integrated Brazilian health insurer and provider combining health plans with owned hospitals and clinics. Comparable to Total MedCare's integrated Adventist hospital model, but at much larger national scale following the NotreDame Intermédica merger.
• Amil: Major Brazilian health insurance operator owned by UnitedHealth Group, providing individual, family, SME, and corporate health plans. Direct overlap with Total MedCare's plan portfolio and target customer segments, with a much broader national footprint.
• Porto Seguro Saúde: Health insurance arm of Porto Seguro, offering individual, family, and corporate plans with strong broker distribution. Comparable to Total MedCare in plan structure and the use of broker channels for both individual and corporate acquisition.
• Bradesco Saúde: Health insurance arm of Bradesco, one of Brazil's largest insurers, offering comprehensive plans to individuals and corporate clients. Comparable to Total MedCare as a long-established ANS-regulated operator with a multi-tier plan portfolio.
• SulAmérica: One of Brazil's largest health insurance operators, offering individual, family, and corporate plans nationally. Comparable to Total MedCare as a regulated ANS operadora targeting overlapping customer segments (individual, SME, corporate) across Brazil.

Regional players

• São Francisco Saúde: Regional Brazilian health insurance operator with integrated hospital and provider services, headquartered in São Paulo state. Comparable to Total MedCare as a São Paulo-based ANS-regulated operadora with both health plans and affiliated provider infrastructure.
• Santa Casa Saúde: São Paulo-based health plan operator affiliated with the Santa Casa hospital network, offering individual and corporate plans. Comparable to Total MedCare as a hospital-affiliated regional health insurer operating in the same São Paulo market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/totalmedcare
• LinkedInlinkedin.com/company/totalmedcare
• Instagraminstagram.com/totalmedcare
• Xx.com/totalmedcareofc

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 Total MedCare