Accert Saúde - Corretora Hapvida

What Accert Saúde - Corretora Hapvida does

Accert Saúde – Corretora Hapvida, legally registered as Grupo América Planos de Saúde (CNPJ 32.925.840/0001-51), is a Brazilian health insurance brokerage founded in 2018 and headquartered in Aparecida de Goiânia, Goiás. The company operates as an authorized broker (corretora) for Hapvida, one of Brazil's largest health plan operators, selling individual, family, and corporate Hapvida plans to consumers and businesses across Central-West Brazil, including Goiás, the Federal District, Mato Grosso, and Mato Grosso do Sul. Its portfolio includes tiered plans such as Goiânia Ambulatorial com Odonto (starting at R$ 121.41/month) and Enfermaria com coparticipação (starting at R$ 177.91/month), plus a Teleconsulta add-on enabling remote medical consultations.

The company is built around a direct-sales distribution model. It maintains a physical branch network across more than 10 cities in Central-West Brazil (including Anápolis, Goiânia, Brasília, Taguatinga, Gama, Águas Claras, Cuiabá, Jaciara, Rondonópolis, Dourados, and Campo Grande), a sales-rep-led outbound operation handling phone ( +55 62 3097-5952), WhatsApp (+55 62 9948-5785), and in-person meetings, and a website with quote-request forms and city-specific landing pages for SEO. The underlying healthcare infrastructure — hospitals, clinics, and a physician base of over 45 doctors — is owned by Hapvida, not Accert, meaning Accert monetizes by distributing Hapvida's plans rather than delivering care itself.

Accert employs 28 people and generates revenue through brokerage commissions on plan sales and recurring premium-based trails. The company markets value propositions including reduced waiting periods (carência reduzida), 24-hour support, teleconsultation access, and access to Hapvida's network across 22 Brazilian states plus the Federal District. No funding rounds, M&A activity, leadership changes, patents, or named institutional customers are disclosed.

Name

Accert Saúde - Corretora Hapvida

Legal name

Grupo América Planos de Saúde

Website

https://accertsaude.com.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Accert Saúde is a Brazilian health insurance brokerage (corretora) authorized to sell Hapvida health plans to individuals, families, and companies across Central-West Brazil, operating a 28-person direct-sales distribution network with branches in Goiás, the Federal District, Mato Grosso, and Mato Grosso do Sul.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA)

Keywords

• Health insurance brokerage
• Individual health plans
• Corporate health benefits
• Teleconsultation services
• Regional insurance broker

Headquarters

HQ city

Goiânia

HQ country

Brazil

HQ region

Latin America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Brokerage: Accert Saúde operates as an authorized broker (corretora) for Hapvida health plans, earning commissions from plan sales. The company offers individual, family, and corporate health insurance plans with monthly subscription pricing. Revenue is generated through new plan sales and ongoing premiums paid by enrolled members.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Accert Saúde is an authorized insurance broker (corretora) that distributes Hapvida-branded health insurance plans to individuals, families, and corporate clients in Central-West Brazil. The core offerings are individual plans (starting at R$ 121.41/month), family plans, and corporate plans with varying coverage levels (ambulatorial, enfermaria, with or without coparticipação and dental), bundled with Teleconsulta remote medical consultations and 24-hour support, providing access to Hapvida's network of hospitals and clinics across 22 Brazilian states plus the Federal District.

Product overview

Accert Saúde operates as an insurance broker for Hapvida health plans, offering a portfolio of health insurance products structured as individual, family, and corporate plans. The core offering is the Plano Hapvida, which provides access to an extensive network of medical providers, hospitals, and clinics across multiple Brazilian states. Plans include various coverage tiers such as ambulatory-only options with dental, ward (Enfermaria) accommodations with co-payment options, and comprehensive hospital coverage. The product portfolio also includes Teleconsulta (telehealth) as an integrated service feature, enabling remote medical consultations. The company operates primarily in Goiás (including Goiânia and Anápolis), Distrito Federal, Mato Grosso, and Mato Grosso do Sul, with a presence spanning 22 states plus the Federal District through Hapvida's own hospital and clinic network.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Reduced waiting periods for plan activation compared to industry standard

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• HapvidacoreChannel Partner/ Reseller/ DistributorAccert Saúde operates as an authorized broker (corretora) for Hapvida health insurance plans. Hapvida is one of Brazil's largest health insurance operators with its own network of hospitals and clinics. Accert sells Hapvida's individual, family, and corporate health plans to customers in Central-West Brazil regions including Goiás, Distrito Federal, Mato Grosso, and Mato Grosso do Sul.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Unimed: Brazil's largest cooperative healthcare system with hundreds of regional Unimed units offering health plans nationwide. Comparable as a carrier structure distributing plans via regional entities that mirrors Accert's regional brokerage footprint.
• Hapvida: The carrier whose plans Accert distributes. Hapvida is one of Brazil's largest health insurers with its own proprietary network of hospitals and clinics. Comparable as the principal business relationship and a competitor to Accert's brokerage role, since Hapvida also sells directly to consumers.
• Bradesco Seguros: Insurance arm of Bradesco offering health, life, and other insurance products. Comparable as a major carrier distributed via brokers and bancassurance channels — an alternative supplier relationship for regional corretoras.
• SulAmérica Seguros: Major Brazilian health and insurance carrier offering individual, family, and corporate plans. Comparable as a large-scale alternative carrier whose plans could be distributed by corretoras like Accert in a multi-carrier model.
• Amil: One of Brazil's largest health plan operators, owned by UnitedHealth Group. Comparable as a major carrier whose plans are widely distributed via brokers and direct channels, representing a potential multi-carrier addition for Accert if it broadens its portfolio.
• Porto Seguro: Major Brazilian insurance group offering health, auto, and other insurance products with significant broker distribution. Comparable as a diversified insurer whose health products are commonly sold through corretoras and could expand Accert's portfolio.

Direct peers

• Qualicorp: Brazil's largest publicly traded health insurance broker (corretora), distributing health plans from multiple carriers to corporate clients and affinity groups. Directly comparable to Accert as a brokerage model intermediating between carriers and end customers, though at national scale and with a multi-carrier portfolio.

Emerging players

• Sami: Brazilian health plan startup using technology-enabled distribution and direct-to-consumer models. Comparable as an emerging player challenging traditional corretora-broker-carrier models with digital-first distribution, representing a competitive and disruptive threat to Accert.
• Omint: Brazilian premium health plan operator serving high-end individual, family, and corporate segments. Comparable as a niche carrier whose plans are often distributed through specialized corretoras targeting higher-income customers — relevant to Accert's potential multi-carrier expansion.

Others

• NotreDame Intermédica: Brazilian health insurer owned by Hapvida, operating its own provider network. Comparable as a Hapvida-affiliated carrier entity, providing context on the parent carrier's broader distribution and provider infrastructure within which Accert operates as a broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/accertsaudehapvida

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 Accert Saúde - Corretora Hapvida