Instituto Curitiba de Saúde - ICS

What Instituto Curitiba de Saúde - ICS does

Instituto Curitiba de Saúde (ICS) is a municipal self-managed health plan operator (autogestão) established in 1999 under Lei Municipal nº 9.626/1999, serving the public servants and dependents of the Prefeitura Municipal de Curitiba in Paraná, Brazil. The organization operates as an autarquia (autonomous public entity) under ANS (Agência Nacional de Saúde Suplementar) regulation, with UNIDAS certification and a mandate restricted to the municipal workforce of Curitiba. It is wholly owned and controlled by the Prefeitura, which subsidizes 50% of employee plan costs.

ICS offers six health plan products — Servidor Enfermaria 21, Servidor Apartamento 21, Agentes Enfermaria 21, Dependentes Enfermaria/Apartamento 21, and Plano Empresas — all structured around a 3.90%-of-gross-salary monthly contribution deducted via payroll, covering titular plus spouse and children under 18 at no incremental cost under standard plans. The pricing model combines this subscription contribution with 30% coparticipation on most outpatient services (consultations, exams, therapies, dental, ambulatory care), while hospitalizations, surgeries, and emergency consultations at reference hospitals carry 0% coparticipation. Service delivery is built around three layers: an owned Centro de Saúde do ICS primary care facility (Rebouças, Curitiba), a contracted credenciado network of 250+ providers including reference hospitals (Hospital Pilar, Santa Casa, Cruz Vermelha, Hospital Universitário Evangélico Mackenzie) and laboratories (LABAC, CIMED, Frischmann Aisengart), and a digital layer comprising the Aplicativo ICS mobile app (43,000+ users on iOS/Android), Portal do Beneficiário web portal, Teleatendimento phone service, and Carteirinha Digital identity.

The technology stack is operational rather than AI-driven: SISREG for scheduling, Token Digital for therapy authorization, LGPD-compliant data handling, and a Sistema de Localização feature for proximity-based facility discovery. Beyond core coverage, ICS runs wellness and chronic-disease management programs (Gestante Saudável, Bem Nascer, Boa Vida/3ª Idade, Mais Vida Menos Tabaco, Vivamente for mental health, Oncovida for oncology, Prevencor for cardiovascular risk, Tratamento da Obesidade) and the ICS+Vantagens discount ecosystem (70+ partner companies). The Plano Empresas line provides a narrow adjacent commercial channel for companies contractually linked to the Prefeitura. Total reported headcount is 174 employees, and ICS+Vantagens plus the DentalUni partnership (~800 dentists) extend member engagement beyond insurance into lifestyle and dental services.

Name

Instituto Curitiba de Saúde - ICS

Legal name

Instituto Curitiba de Saúde - ICS

Website

https://ics.curitiba.org.br

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Instituto Curitiba de Saúde (ICS) is a municipal self-managed health plan operator (autogestão) founded in 1999, serving public servants of the Prefeitura Municipal de Curitiba through six subsidized health plans, an owned primary care center, a 250+ provider network, and a digital app used by 43,000+ beneficiaries.

Ownership category

akta.pro rank

Product category

Supplemental Health Insurance

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000)

akta.pro primary industry

Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

akta.pro secondary industries

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Dental Insurance (FSAIAHAA)

Keywords

• Self-managed health plan
• Municipal health insurance
• Supplemental health coverage
• Public servant healthcare
• Health plan operator

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Employee Premium Contributions: Monthly premium contributions deducted directly from employee salaries. For Servidor Enfermaria 21 and Apartamento 21 plans, the contribution is 3.90% of the server's gross remuneration, covering the titular and dependents (spouse and children under 18) with no additional charge for number of dependents. For Dependentes plans, pricing is per person based on age bracket.
2. Coparticipation Fees: 30% coparticipation charged to beneficiaries for consultations, exams, therapeutic procedures, dental procedures, and outpatient/emergency care at the credenciado network. The remaining 70% is covered by the plan. No coparticipation for hospitalizations and surgeries.
3. Employer Subsidy: The Prefeitura Municipal de Curitiba subsidizes 50% of the plan cost for Servidor Enfermaria 21 and Agentes Enfermaria 21 plans, representing additional contribution to employee health benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Instituto Curitiba de Saúde (ICS) operates as a self-managed (autogestão) health plan operator providing medical, hospital, dental, and preventive healthcare coverage to municipal public servants of Curitiba and their dependents. The plan offers comprehensive coverage delivered through ICS's own Centro de Saúde facility, a network of 250+ contracted providers, and digital channels (mobile app and beneficiary portal), with premiums set at 3.90% of gross salary and 50% subsidized by the Prefeitura Municipal de Curitiba.

Product overview

Instituto Curitiba de Saúde (ICS) is a health insurance operator in the self-management (autogestão) modality serving municipal public servants of Curitiba, Brazil. The portfolio comprises six health insurance plans: Servidor Enfermaria 21, Servidor Apartamento 21, Agentes Enfermaria 21, Dependentes Enfermaria 21, Dependentes Apartamento 21, and Empresas Completo Enfermaria 21, all featuring 30% coparticipation and comprehensive coverage including medical, hospital, obstetric, and dental services. ICS delivers care through its owned Centro de Saúde do ICS primary care facility supplemented by a network of over 250 contracted providers. The digital ecosystem includes a mobile Aplicativo ICS (with over 43,000 users), Portal do Beneficiario web portal, Teleatendimento phone service, and Carteirinha Digital. Beyond core coverage, ICS operates wellness and disease management programs including Mais Vida Menos Tabaco, Gestante Saudavel, Boa Vida/3a Idade, Tratamento da Obesidade, Prevencor, Vivamente (mental health), Oncovida, and Bem Nascer.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Servidor Enfermaria 21 Health insurance plan for municipal public servants of Curitiba and their dependents (spouse and children under 18), with ward-type accommodation, offering comprehensive coverage including medical, hospital, obstetric, and dental services with 30% coparticipation. Premium is 3.90% of gross remuneration with no additional per-dependent charge.
• Plano Servidor Apartamento 21 Health insurance plan for municipal public servants with private room accommodation. Monthly fee is 3.90% of gross remuneration plus an age-based apartment upgrade fee per person. Covers titular and dependents (spouse and children under 18).
• Plano Agentes Enfermaria 21 Health insurance plan for community health workers and endemic disease combat agents and their dependents, with ward-type accommodation. Monthly premium is 3.90% of gross salary and the Prefeitura subsidizes 50% of costs.
• Plano Dependentes Enfermaria 21 Health plan for adult dependents of municipal servants aged 18-38 (children, sons/daughters-in-law), charged per person by age bracket, with 30% coparticipation. Includes ward-type accommodation.
• Plano Dependentes Apartamento 21 Health plan for adult dependents of municipal servants aged 18-38 with private room accommodation, charged per person by age bracket.
• Plano Empresas Completo Enfermaria 21 Corporate health plan with ward-type accommodation, pricing negotiated directly with companies linked to the Prefeitura Municipal de Curitiba that have contracts with ICS.
• Aplicativo ICS (Mobile App) Mobile application for beneficiaries to access health plan services including digital ID card, exam authorization management, appointment scheduling, provider directory, payment slips, and usage statements. Available for iOS and Android with 43,000+ users.
• Portal do Beneficiário Online web portal for beneficiaries providing 24/7 access to schedule appointments, view providers with contact information, check exam authorizations, generate payment receipts, consult usage statements, and access digital ID card.
• Teleatendimento Centralized phone and digital atendimento service for beneficiary inquiries about the provider network, appointment scheduling, exam authorization insertion, and general health plan usage questions, available daily 6am-10pm.
• Centro de Saúde do ICS Primary healthcare center operated by ICS providing direct medical services, vaccination, dental care, physiotherapy, and other outpatient services to beneficiaries. Located at Rua Santo Antônio, 400, Rebouças, Curitiba.
• Rede Credenciada Network of over 250 contracted healthcare providers including hospitals, clinics, laboratories, and specialists such as Cardiology, Orthopedics, Neurosurgery, and Otolaryngology as Reference Centers. Includes reference hospitals Hospital Pilar, Santa Casa, Cruz Vermelha, and Hospital Universitário Evangélico Mackenzie.
• Token Digital para Terapias Digital token system for therapy authorization that provides a secure digital password for streamlined service access and process security, primarily for physical therapy and other therapeutic procedures.
• Programa Oncovida Oncology patient support program providing comprehensive care, guidance, and follow-up for beneficiaries diagnosed with cancer.
• Programa Bem Nascer Maternal and newborn health program delivering maternity bags and providing orientation to mothers.

Quantifiable outcome

• 43,000+ active app users demonstrating digital adoption
• +1 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• DentalUni (Cooperativa Odontológica)coreTechnology or IntegrationPartnership provides dental coverage to ICS beneficiaries through a network of nearly 800 cooperating dentists. Beneficiaries access dental services via the DentalUni platform with digital ID card verification. The partnership includes the Odonto Móvel (mobile dental unit) for on-site services and the Sorriso em Ação campaign offering free cleanings and evaluations without coparticipation.
• Secretaria Municipal de Esporte, Lazer e Juventude (SMELJ)minorStrategic or Co-development PartnerJoint health promotion initiatives including the Dia Municipal de Mobilização pela Promoção da Saúde e Qualidade de Vida, featuring blood pressure and glucose screenings, nutrition workshops, sports activities, and healthy lifestyle programs.
• Secretaria Municipal de Segurança Alimentar e Nutricional (SMSAN)minorStrategic or Co-development PartnerCollaboration on nutrition and food security initiatives, contributing to holistic health promotion programs alongside ICS's preventive health services.
• Prefeitura Municipal de CuritibacoreOthersParent government entity that established ICS as the health plan operator for municipal employees. The Prefeitura subsidizes 50% of employee contributions and administers payroll deductions. ICS operates as an autarquia (autonomous entity) under the municipal government.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• GEAP Saúde: GEAP Autogestão em Saúde is a self-managed health plan operator serving federal public servants, regulated by ANS. Directly comparable to ICS in autogestão model, multi-employer structure, and provider-network-based care delivery.
• IPASGO: Instituto de Assistência dos Servidores do Estado de Goiás is a self-managed (autogestão) health plan operator for Goiás state public servants, structurally identical to ICS in model, regulatory framework (ANS), and employer-sponsor relationship. Directly comparable on funding mechanism, coparticipation structure, and captive municipal/state employee base.
• ASSEFAZ: Associação de Assistência e Defesa Social dos Funcionários da Caixa Econômica Federal is a self-managed health plan for Caixa Econômica Federal employees, providing medical and dental coverage through contracted networks. Comparable to ICS in autogestão model, employer-sponsorship structure, and ANS oversight.
• IPERGS: Instituto de Previdência do Estado do Rio Grande do Sul provides health coverage to state public servants under the same self-managed model as ICS, with own facilities and a credenciado network. Highly comparable in structure, regulatory positioning, and beneficiary profile.
• IPSEMG: Instituto de Previdência dos Servidores do Estado de Minas Gerais operates a self-managed health plan for state public servants, with its own provider network and health facilities. Closely comparable to ICS in autogestão model, ANS regulatory regime, and integrated care delivery.
• CAPESAUDE: Caixa de Previdência e Assistência dos Servidores da Fundação Nacional de Saúde operates a self-managed health plan for federal public servants. Comparable to ICS in regulatory regime, captive beneficiary base, and self-managed delivery model.

Broad incumbents

• Unimed: Unimed is the largest Brazilian healthcare cooperative network, operating health insurance plans through a federated model of 350+ medical cooperatives. Comparable to ICS as a Brazilian health insurance operator with strong provider network integration, though it operates as a private commercial insurer rather than a self-managed public entity.
• Hapvida: Hapvida é a vertically integrated Brazilian health plan operator with own hospitals, clinics, and provider networks. Comparable to ICS in integrated delivery model and ANS-regulated health insurance operations, though Hapvida is a publicly traded private operator with national footprint.
• Amil: Amil is one of Brazil's largest private health insurance operators, now part of UnitedHealth Group. Comparable to ICS as a Brazilian health insurance operator with provider network and ANS regulation, though Amil operates in the commercial market rather than the self-managed public-sector segment.
• SulAmérica: SulAmérica is a major Brazilian health, dental, and group insurance operator with broad commercial and corporate segments. Comparable to ICS in health insurance operations and ANS regulatory framework, but operates as a wide-portfolio private incumbent rather than a niche self-managed plan.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/icscuritiba
• YouTubeyoutube.com/channel/UCvJEegURhslvkH77oPP5T4Q
• Facebookfacebook.com/ICSCuritiba
• LinkedInlinkedin.com/company/icscuritiba
• Instagraminstagram.com/icscuritiba

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Instituto Curitiba de Saúde - ICS