Plano de Saúde

What Plano de Saúde does

Plano de Saúde is a Brazilian health insurance brokerage and comparison platform operated by TJK Seguros under the KC Seguros group. The website (planodesaude.net.br) positions itself as a free, no-commitment quote-comparison service that aggregates health plans from more than 200 ANS-regulated operators, helping individual consumers and businesses navigate plan selection. The site categorizes coverage into six modalities — Individual, Familiar, Crianças, Idosos, Empresarial, and Por Adesão — and prominently features partners including Amil, Hapvida, MedSenior, Santa Helena Saúde, São Cristóvão Saúde, Trasmontano, and SulAmérica.

The business model is a standard SUSEP-regulated insurance broker model: the company does not charge customers and instead earns commissions from insurance operators on policies sold through its lead-generation funnel. Distribution is entirely digital and inside-sales driven, centered on the website for top-of-funnel SEO and education, with WhatsApp and telephone (Mon-Fri 8:00-22:00, Saturday 9:00-16:30) handling bottom-of-funnel quote requests. A specialized advisory team matches customer profiles to operator offerings, with extended coverage hours designed to capture consumer demand.

The company has 33 employees and operates from São Paulo, Brazil. It discloses no proprietary technology, no AI/automation capabilities, no funding rounds, and no executive team beyond contact details. Strategic emphasis appears to rest on educational content depth (3,200+ ANS-mandated coverage items), the parent company's 20-year operating history, and breadth of operator relationships rather than technology differentiation. The offering sits within a large and growing market — Brazil's supplementary health insurance sector surpassed 53 million beneficiaries in 2026 — but no revenue, transaction volume, or growth-rate figures are publicly disclosed.

Name

Plano de Saúde

Legal name

Plano de Saúde (operated by KC Seguros)

Website

https://planodesaude.net.br

Company type

Private

Operating status

Operating

Short description

Plano de Saúde is a Brazilian health insurance brokerage and comparison website operated by TJK Seguros under the KC Seguros group, serving individual, family, senior, and corporate consumers across Brazil. The free platform compares plans from over 200 ANS-regulated operators and earns broker commissions on policies sold through its digital and WhatsApp-assisted sales funnel.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Eligibility, Enrollment & Benefits Administration (HLAEALAH)

akta.pro secondary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Health insurance brokerage
• Insurance comparison platform
• Health plan advisory
• Supplemental health coverage
• Corporate health benefits

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

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

Revenue model

1. Insurance Brokerage Commissions: The company operates as a licensed insurance broker (corretora de planos de saúde) earning commissions from health insurance operators when policies are sold through their service. This is a standard broker model in the Brazilian insurance market where brokers are regulated by SUSEP.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Plano de Saúde is a licensed health insurance broker (corretora) operated by TJK Seguros under the KC Seguros group, comparing plans from over 200 Brazilian operators and matching customers with individual, family, children's, senior, corporate, or adhesion-based coverage. The service delivers free personalized quotes via website, WhatsApp, and phone, with specialist advisors guiding customers through plan selection. The platform does not underwrite insurance itself; it earns commissions from partner operators such as Amil, Hapvida, SulAmérica, MedSenior, Trasmontano, São Cristóvão Saúde, and Santa Helena Saúde.

Product overview

Plano de Saúde is a health insurance comparison and brokerage service operated by TJK Seguros (under KC Seguros group), with 20 years of experience helping customers find suitable health coverage. The company acts as an intermediary broker, comparing plans from over 200 health insurance operators including Amil, Hapvida, MedSenior, Santa Helena, São Cristóvão, Trasmontano, and SulAmérica. Rather than selling its own insurance products, the platform offers six distinct plan categories (Individual, Familiar, Children's, Senior, Corporate, and Adhesion) to match customer profiles with appropriate coverage. The service provides free quotes and specialist advisory to help customers navigate the Brazilian health insurance market.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano de Saúde Individual Personal health insurance coverage for individuals seeking ANS-regulated price adjustments and reduced waiting periods, brokered from 200+ Brazilian operators.
• Plano de Saúde Familiar Family health insurance plan covering multiple family members under a single contract with dependent inclusion discounts, brokered from 200+ Brazilian operators.
• Plano de Saúde para Crianças Child-focused health insurance plan with coverage for pediatrics, vaccinations, childcare (puericultura), and child development services.
• Plano de Saúde para Idosos Senior health insurance plan offering specialized protection for persons over 60, with coverage for chronic diseases and geriatric care, including through specialist operators like MedSenior.
• Plano de Saúde Empresarial Corporate health insurance benefit for employees, offered through a specialized team at competitive collective group pricing rates from partner operators.
• Plano de Saúde por Adesão Adhesion-based collective health insurance plan providing access to group contracts through professional associations, class councils, and guilds.

Named customers7 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• AmilcoreChannel Partner/ Reseller/ DistributorMajor Brazilian health insurance operator featured on the comparison platform. Amil is one of the largest health insurance companies in Brazil, part of the UnitedHealth Group. The partnership allows customers to compare and purchase Amil plans through the broker service.
• HapvidacoreChannel Partner/ Reseller/ DistributorOne of the largest health insurance operators in Brazil's Northeast region. Hapvida operates its own hospital network and is available for comparison on the platform, offering customers access to its extensive regional healthcare infrastructure.
• MedSeniorminorChannel Partner/ Reseller/ DistributorHealth insurance operator specializing in senior/elderly coverage. MedSenior focuses on the 60+ demographic with specialized plans for chronic disease management and geriatric care, aligned with the platform's elderly segment.
• Santa Helena SaúdeminorChannel Partner/ Reseller/ DistributorRegional health insurance operator available for comparison on the platform. Santa Helena Saúde operates in specific Brazilian regions offering hospital, medical, and dental plans.
• São Cristóvão SaúdeminorChannel Partner/ Reseller/ DistributorHealth insurance operator and healthcare provider with its own hospital network. São Cristóvão Saúde is available on the comparison platform offering plans with integrated care services.
• TrasmontanominorChannel Partner/ Reseller/ DistributorTraditional São Paulo-based health insurance operator. Trasmontano has a long history in the Brazilian health insurance market and is included in the platform's operator comparisons.
• SulAméricacoreChannel Partner/ Reseller/ DistributorOne of Brazil's largest supplementary health insurance companies. SulAmérica offers a wide range of health, dental, and life insurance products and is featured as a major partner on the comparison platform.

Scale indicators3 records

Recent moves3 records

Expansion highlights2 records

Direct peers

• ComparePlanodeSaude: Brazilian online health insurance comparison and brokerage service that lets consumers compare plans from multiple operators and request broker assistance. Directly competes with Plano de Saúde on the same corretora-de-planos-de-saude model in Brazil.
• Bidu Corretora: Digital-first Brazilian insurance broker (corretora) covering health, auto, life, and other lines with online comparison and assisted sales. Comparable to Plano de Saúde as a multi-carrier digital broker targeting Brazilian consumers.
• 180 Seguros: Brazilian insurance broker (corretora) offering online comparison and advisory across multiple lines including health. Comparable in business model (multi-carrier broker serving Brazilian consumers) and segment overlap.

Broad incumbents

• Wizs (Wiz Co): One of Brazil's largest insurance broker groups (corretora), offering multi-line distribution including health insurance with extensive carrier relationships and digital channels. Broader incumbent that competes across segments where Plano de Saúde operates.
• Allianz Partners Brazil: Large global insurance group with Brazil operations offering health and other insurance products directly and through brokers. Comparable as a counterparty carrier in the same market and as a distribution competitor for corporate health plans.
• Amil (UnitedHealth Group): One of Brazil's largest health insurance carriers and a Plano de Saúde partner, also selling direct-to-consumer. Comparable as both a partner and a direct-distribution competitor for the same end customers.
• Hapvida NotreDame Intermédica: Major Brazilian health insurance operator with its own hospital network, partnered with Plano de Saúde and also selling direct. Comparable as a partner and as a carrier-led competitor pushing direct distribution in the same market.

Emerging players

• Justos: Brazilian insurtech operating as a digitally native insurance company with broker-style distribution and app-based onboarding. Comparable as a tech-enabled, consumer-obsessed insurance intermediary pushing into the Brazilian market.
• Piki (formerly Bidu Saúde): Brazilian digital health insurance broker with online comparison and purchase flow, focused on simplifying plan selection for consumers. Comparable in target customer (Brazilian health insurance shoppers) and digital brokerage model.
• Doctoralia (Docplanner): Online healthcare marketplace that helps Brazilian patients find doctors and book appointments, increasingly adjacent to health-plan selection. Comparable as a digital entry point for Brazilian consumers navigating healthcare decisions.

Market position

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Plano de Saúde