Marítima Seguros

What Marítima Seguros does

Marítima Seguros is a Brazilian health insurance provider originally founded in 1943 in Santos, São Paulo, initially focused on maritime and fire insurance for the port of Santos. Following a 2013 merger with Yasuda Seguros, the company operates as part of Yasuda Marítima Seguros, a subsidiary of the Japanese multinational Sompo Japan Nipponkoa Insurance Inc. The combined entity's Brazilian health insurance business offers a tiered portfolio of planos de saúde (Acesso, Clássico, Estilo, Absoluto, Supremo A/B/C) plus PME/Empresarial, PJ (>99 vidas), Pessoa Física, and MEI variants, with optional ambulatory, hospital (with/without obstetrics), and dental modules and a PASDP HR-assistance program. Pricing is subscription-based and varies by age band, accommodation type (enfermaria shared vs. apartamento private), and plan tier, ranging roughly from R$209 to R$6,831 per beneficiary per month as of September 2018.

The company monetizes through recurring monthly premiums collected from individuals, families, micro-entrepreneurs, and corporate clients, with PME (2-99 employees) as the primary segment and PJ corporate, Individual/Family, MEI, and Senior segments as additional targets. Distribution is primarily via an authorized broker (corretores credenciados) network, supported by direct phone (0800), WhatsApp Business, email, and an online quote portal operated by authorized reseller Carmel Seguros. Underlying technology consists of a networked healthcare provider infrastructure spanning the São Paulo Metropolitan Region (Central, Sul, Leste, Norte, Oeste, ABCDM) and Southeast Brazil, including premium hospital partners such as Hospital Sírio Libanês and Hospital Albert Einstein on higher tiers.

Operationally, the company holds LGPD (Lei Geral de Proteção de Dados, Law 13.709/2018) compliance and runs an active sales website (maritimasa.com.br) but does not publish headcount, revenue, or financial filings. The platform stack described in the data shows no proprietary AI/ML or API capabilities; customer engagement relies on standard CRM, toll-free, and WhatsApp channels. Geographic reach is concentrated in São Paulo and Southeast Brazil rather than national.

Name

Marítima Seguros

Legal name

Marítima Seguros

Website

https://maritimasa.com.br

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

11–50 employees

Short description

Marítima Seguros is a Brazilian health insurer offering tiered planos de saúde (Acesso to Supremo) to individuals, families, MEI micro-entrepreneurs, and corporate clients across the São Paulo metropolitan region, distributed via authorized brokers, phone, and WhatsApp under the Yasuda Marítima Seguros group, a subsidiary of Sompo Japan Nipponkoa Insurance Inc.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Health insurance plans
• Group health coverage
• Corporate health plans
• Dental insurance coverage
• Individual health insurance

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

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

Revenue model

1. Health Insurance Premiums: Monthly subscription-based health insurance premiums collected from individuals, families, and corporate clients. Pricing varies by age tier, coverage type (enfermaria/apartment), and plan tier (Acesso, Clássico, Estilo, Absoluto, Supremo A/B/C).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Marítima Seguros sells multi-tiered health insurance plans (ACESSO, CLÁSSICO, ESTILO, ABSOLUTO, SUPREMO A/B/C) to individuals, families, MEI micro-entrepreneurs, and corporate clients ranging from PME (2-99 lives) to large enterprises (>99 lives). Plans are differentiated by accommodation type (enfermaria shared room vs. apartamento private room) and provider network quality, with optional add-on modules for ambulatory care, hospital care with or without obstetrics, and dental coverage.

Product overview

Marítima Seguros is a health insurance company offering a multi-tiered product portfolio of health plans (planos de saúde) for businesses of all sizes, from MEI micro-entrepreneurs to large enterprises with 99+ employees, as well as individual and family plans. The core offerings are organized into plan tiers (ACESSO, CLÁSSICO, ESTILO, ABSOLUTO, SUPREMO) differentiated by provider network quality and accommodation type (enfermaria shared rooms or apartamento private rooms). Additional coverage modules include ambulatory care, hospital care with optional maternity, dental coverage, and the PASDP assistance program for HR departments. Plans are available in enfermaria (shared accommodation) and apartamento (private room) variants, with pricing structured by age band. The company operates as part of Yasuda Marítima Seguros, a subsidiary of Sompo Japan Nipponkoa Insurance Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• ACESSO Entry-level health insurance plan offering basic coverage for companies with 2-99 beneficiaries. Includes hospital and laboratory access within an exclusive provider network. Available in enfermaria (R$ 243.96-R$ 1,463.58) and apartamento (R$ 271.26-R$ 1,627.38) variants based on age.
• CLÁSSICO Mid-tier health insurance plan available in both enfermaria (R$ 256.16-R$ 1,536.76) and apartamento (R$ 311.50-R$ 1,868.77) accommodations. Offers broader network coverage than Acesso plans.
• ESTILO Premium health insurance plan with private room accommodation (apartamento only, R$ 386.45-R$ 2,318.42) and access to high-end hospitals including Hospital 9 de Julho, Hospital A.C. Camargo, Hospital Alemão Oswaldo Cruz, and Hospital Samaritano.
• ABSOLUTO High-end health insurance plan with private room coverage (apartamento only, R$ 707.59-R$ 4,245.00) and access to premium hospital network including Hospital Sírio Libanês and Hospital Albert Einstein.
• SUPREMO A/B/C Top-tier health insurance plans with comprehensive coverage. SUPREMO A (R$ 768.56-R$ 4,610.86) provides access to Hospital Sírio Libanês and Hospital Albert Einstein. SUPREMO B (R$ 858.84-R$ 5,152.44) and SUPREMO C (R$ 1,138.57-R$ 6,830.57) offer progressively enhanced coverage tiers.
• Plano PME/Empresarial

Quantifiable outcome

• Reduced occupational health costs through preventive care access
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and flagship.

• Yasuda SeguroscoreStrategic or Co-development Partner · 1 January 2013In 2013, Yasuda Seguros (with strong corporate segment presence) merged with Marítima Seguros (focused on mass market insurance) to form Yasuda Marítima Seguros. This union combined competencies and experiences of both companies to execute operational actions more efficiently with focus on business growth and market share increase.
• Sompo Japan Nipponkoa Insurance Inc. (SJNK)flagshipStrategic or Co-development Partner · 1 January 1973Sompo Japan Nipponkoa Insurance Inc is the parent company of Yasuda Marítima Seguros. Originally, Sompo Japan became Yasuda's main shareholder in 1973. The company is the oldest fire insurance insurer in Japan, founded in 1888, and is among the world's largest insurers in elementary branches. It operates globally with over 18,000 employees.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Prevent Senior: São Paulo-based health insurer specializing in the 50+ senior segment — directly overlapping Marítima's Sênior product line. Operates its own hospital network and competes for the same premium-tier senior cohort in São Paulo.
• SulAmérica: Major Brazilian insurer offering health, dental, life, and auto products. Competes directly with Marítima in multi-tier health plans including premium tiers with access to Sírio Libanês and Albert Einstein — directly overlapping Marítima's SUPREMO positioning.
• NotreDame Intermédica: Vertically integrated Brazilian health plan operator (now part of Hapvida) with strong São Paulo presence. Competes across corporate, SME, and individual segments with owned-provider model that mirrors Marítima's network-driven positioning.
• Amil: One of the largest health insurance carriers in Brazil, offering individual, family, and corporate plans across multiple tiers with an extensive hospital network. Direct competitor to Marítima in São Paulo and nationally, with similar PME and individual segments.
• Hapvida: Largest vertically integrated health plan operator in Brazil post-merger with NotreDame Intermédica. Competes directly with Marítima across corporate, SME, and individual segments with broad hospital network and growing São Paulo presence.
• Bradesco Saúde: Health insurance arm of Bradesco, one of Brazil's largest financial groups. Competes head-on with Marítima across PME, corporate, and individual segments, leveraging parent-group distribution and a national hospital network.
• Porto Seguro Saúde: Health insurance vertical of Porto Seguro, a major Brazilian insurance group. Offers multi-tier individual and corporate plans with bundled benefits, competing in the same PME and individual segments as Marítima.

Emerging players

• Alice: Tech-forward Brazilian health plan startup with vertically integrated provider teams and digital-first experience. Competes with Marítima's mid and premium tiers (CLÁSSICO, ESTILO) for digitally-engaged individual, family, and SME buyers.

Broad incumbents

• Unimed: Brazil's largest cooperative health system, with hundreds of regional Unimed units providing national coverage. Competes broadly with Marítima across all tiers and segments, with particularly strong cooperative-driven physician network.

Others

• Sompo Seguros (Sompo Holdings): Brazilian operating entity of Marítima's parent company, Sompo Japan Nipponkoa / Sompo Holdings. Not a direct competitor in health but adjacent — provides property & casualty, auto, and other lines, and serves as the strategic parent of Marítima Seguros.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubebit.ly/3A1mOqr
• LinkedInlinkedin.com/company/mar%C3%ADtima-seguros

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Marítima Seguros