Circulo Operario Caxiense

What Circulo Operario Caxiense does

Circulo Operario Caxiense, operating commercially as Círculo Saúde, is a private non-profit associative health plan operator (operadora de plano de saúde) founded in 1934 in Caxias do Sul, Rio Grande do Sul, and regulated by ANS under registration No. 31024-7. It sells individual, family, corporate, and adhesion health and dental plans under four main health-plan brands (Círculo 360 City, Círculo 360, Círculo Liberty, Círculo Prime) and two dental brands (Odonto Família, Odonto Empresa) administered through partner VerteMed Odonto. Supplementary lines include Saúde Ocupacional (with Ravi Saúde Corporativa), Plano de Acidente de Trabalho (PAT), executive Check-up, vaccinations (via Panvel and Dr. Vacina), 24-hour emergencies, and 24-hour telemedicine with 15+ specialties accessible via WhatsApp.

The company's core technical and physical asset is its owned care-delivery infrastructure: Hospital do Círculo in Caxias do Sul (ONA Level 3 accredited, Acreditado com Excelência) performing 1,300+ surgeries per month, a 24-hour Centro de Diagnóstico por Imagem (CDI) with MRI, CT, mammography, ultrasound, and bone densitometry, five specialty centers (Cardiology, Mental Health, Physiotherapy, Traumatology, Oncology), a Centro de Gastroenterologia (up to 800 monthly endoscopic exams), Centro de Autismo for SUS pediatric care, and the Prô-Face cleft lip/palate program in partnership with Smile Train. A mobile app on iOS and Android plus an online portal handle beneficiary self-service, with ABRAMGE providing national emergency coverage outside Rio Grande do Sul.

Revenue is generated primarily through recurring monthly premiums on health and dental plans across 145,000+ covered lives in more than 100 cities, supplemented by hospital service fees, SUS partnerships via the Centro de Assistência à Saúde, and occupational-health services for corporate clients. Distribution runs through enterprise field sales, 12+ regional service centers, inside sales via multiple 0800 lines and WhatsApp, digital self-service, and the Ravi Saúde Corporativa channel partnership.

Name

Circulo Operario Caxiense

Legal name

Associação Círculo Operário Caxiense

Website

https://circulosaude.com.br

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

1–10 employees

Short description

Circulo Operario Caxiense (Círculo Saúde) is a non-profit health plan operator founded in 1934 in Caxias do Sul, Brazil, offering health and dental insurance to 145,000+ lives across 100+ Rio Grande do Sul cities, supported by its own ONA Level 3 hospital, diagnostic imaging center, and specialty care network.

Ownership category

akta.pro rank

Headquarters

HQ city

Caxias do Sul, Rio Grande Do Sul

HQ country

Brazil

HQ region

Latin America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly premiums collected from individual, family, and corporate health plan subscribers. Plans include health coverage, dental coverage, occupational health, and accident insurance products. Revenue is recurring based on subscriber count and plan tiers.
2. Healthcare Services: Revenue from hospital services, diagnostic imaging, emergency care, and specialty services provided at own facilities including Hospital do Círculo and diagnostic centers.
3. SUS Partnership Revenue: Public health system (SUS) partnership through Centro de Assistência à Saúde, providing community healthcare services under cooperation agreements with municipal health departments.
4. Occupational Health Services: Corporate occupational health services through partnership with Ravi Saúde Corporativa, including workplace health programs and compliance services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Círculo Saúde is a vertically integrated health insurance operator and care provider selling individual, family, and corporate health and dental insurance plans (Círculo 360 City, Círculo 360, Círculo Liberty, Círculo Prime, Odonto Família, Odonto Empresa) and delivering care through its own Hospital do Círculo (ONA Level 3 accredited), Centro de Diagnóstico por Imagem, specialty centers, and a network of 1,000+ affiliated healthcare professionals across 100+ cities in Rio Grande do Sul, Brazil. It supplements insurance with 24/7 telemedicine, occupational health (via Ravi Saúde Corporativa), work accident plans, executive check-ups, and preventive medicine programs.

Product overview

Círculo Saúde operates as an integrated health management organization offering a multi-product portfolio centered on private health and dental insurance plans (Planos de Saúde and Planos Odontológicos), supported by a proprietary hospital, diagnostic imaging center, specialty centers, and preventive medicine programs. The core product suite includes four named health plan lines — Círculo 360 City, Círculo 360, Círculo Liberty, and Círculo Prime — and two dental plan lines — Odonto Família and Odonto Empresa — all administered through the VerteMed Odonto network. Supplementary offerings include occupational health (Saúde Ocupacional), work accident plans (PAT), executive health check-ups (Check-up), vaccination, 24-hour emergency/urgent care, and 24-hour telemedicine. The institutional infrastructure consists of Hospital do Círculo (ONA-accredited), the Centro de Diagnóstico por Imagem (CDI), five specialty centers (Cardiology, Mental Health, Physiotherapy, Traumatology, Oncology), preventive medicine programs, a Centro de Assistência à Saúde (charitable SUS center), a Centro de Autismo (autism care, SUS), and the Pró-Face cleft lip/palate program (in partnership with Smile Train). The ecosystem spans over 100 cities in Rio Grande do Sul.

Differentiator

Problem solved

Functional benefit

Brands

• Círculo 360: A new corporate health plan with multidisciplinary teams and intelligent systems offering integrated care focused on health promotion, disease prevention, diagnosis, treatment, and rehabilitation.
• Círculo 360 City
• Círculo Liberty
• Círculo Prime
• Odonto Família
• Odonto Empresa
• Centro de Diagnóstico por Imagem (CDI)

Products and services

• Círculo 360 City

Quantifiable outcome

• 145,000+ lives covered
• +3 more outcomes

Named customers18 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Ravi Saúde CorporativacoreStrategic or Co-development PartnerStrategic partnership for occupational health services (Saúde Ocupacional). Ravi brings expertise in worker health management, occupational exams, document management, and technology for process optimization. Combined with Círculo's tradition and credibility to deliver comprehensive corporate health solutions.
• VerteMed OdontocoreTechnology or IntegrationPartnership for dental plan services (Planos Odontológicos). VerteMed Odonto provides dental network, mobile app technology, and instant guide authorization system. Plans offer up to 264 covered procedures with no waiting period (for groups with 30+ lives).
• PanvelminorGTM or Marketing PartnerPharmacy partnership providing vaccine services and special discounts for Círculo beneficiaries at Panvel pharmacy chain locations. Part of expanded access to vaccination services.
• Dr. VacinaminorGTM or Marketing PartnerVaccination services partnership providing Círculo beneficiaries access to vaccine services at special rates through Dr. Vacina clinics in Caxias do Sul.
• Smile TraincoreStrategic or Co-development PartnerInternational charity partnership for Pró-Face program treating cleft lip and palate. Smile Train provides training and funding to enable local doctors to perform free cleft repair surgeries. Pró-Face is reference in Serra Gaúcha with 20+ years of operation.
• SerramedcoreChannel Partner/ Reseller/ DistributorEmergency services partnership for Litoral Norte region providing 24-hour urgency and emergency care including ambulances in Torres, Arroio do Sal, Capão da Canoa, and surrounding cities.

Scale indicators8 records

Recent moves21 records

Expansion highlights6 records

Direct peers

• Amil: Large Brazilian health plan operator (part of UnitedHealth Group) offering individual, family and corporate plans with extensive hospital network. Comparable product portfolio and tier structure (entry to premium plans).
• SulAmérica: Major Brazilian health, dental, life and auto insurer with strong corporate health plan presence. Comparable in targeting enterprise customers and offering corporate health/dental plans across multiple price tiers.
• Porto Seguro Saúde: Porto Seguro group's health, dental and occupational health insurance business. Comparable in corporate distribution, dental plan partnerships, and cross-sell of accident/occupational coverage.
• Bradesco Saúde: Health, dental and life insurance arm of Bradesco, with strong corporate plan distribution. Comparable in ANS-regulated health plan offerings and enterprise sales motion.
• Hapvida NotreDame Intermédica: Brazil's largest vertically integrated health plan operator combining insurance, hospitals and clinics. Directly comparable business model (insurer + owned provider network) and competitive overlap in mid-market and corporate plans.
• Unimed: Largest Brazilian health insurance cooperative system, with regional Unimed cooperatives operating similar owned-hospital-plus-insurance models across the country, including Serra Gaúcha. Comparable vertical structure, ANS regulation, and corporate/individual customer mix.
• Odontoprev: Brazil's largest dental plan operator. Directly comparable to Círculo's Odonto Família/Odonto Empresa dental product line, including app-based beneficiary access and network-provider model.

Regional players

• Hospital Mãe de Deus: Major private hospital in Porto Alegre, listed as a network partner for Círculo Liberty plans. Comparable regional hospital operator within the same Rio Grande do Sul provider ecosystem.
• Hospital Santa Casa de Misericórdia de Porto Alegre: Large tertiary hospital in Porto Alegre, also referenced as a Círculo Liberty network partner. Comparable as a regional high-complexity hospital within the RS provider network.

Emerging players

• Sami: Brazilian digital-first health plan operator focused on SME and corporate segments with vertically integrated care. Comparable target customer (corporate Brasil) and tech-enabled care model, though focused outside RS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/circulo-operario-caxiense

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 Circulo Operario Caxiense