What São Francisco Saúde does

Grupo São Francisco Saúde is one of the largest healthcare operators in Brazil, with over 70 years of operating history and its regional headquarters in Ribeirão Preto, São Paulo. Since 2019, it has operated as part of the Hapvida system, making it the 4th largest group medicine operator in the country and the largest health operator in the Ribeirão Preto market. The company commercializes subscription-based health and dental insurance plans across three primary segments — Individual/Family, Coletivo por Adesão (adhesion via class entities), and Empresarial (enterprise from 02 lives) — through multi-channel distribution including the Administradora de Benefícios Alter benefit administrator, broker partner Rota Seguros (11 branches across MG, ES, PR, RS), direct sales, and self-serve online quotation.

The company's core technology is a vertically integrated healthcare delivery network comprising 7 owned hospitals with 550+ beds and 76 consultories, 25+ laboratory units performing 300,000+ exams per month with 90%+ delivered within 24 hours, and the São Francisco Resgate emergency transport subsidiary operating 274 ambulances and 150+ support bases across 6,000+ km of Brazilian highways in 7 states. The proprietary infrastructure provides high-complexity care in cardiology, neurology, orthopedics, oncology, and general surgery, alongside specialized centers in psychology, ophthalmology, physiotherapy, hemodialysis, and hemotherapy. The broader accredited network extends to 280 hospitals, 600 clinics, and 4,000 affiliated doctors across 6 Brazilian states.

São Francisco Saúde generates revenue through recurring monthly premiums on health and dental insurance plans (including the São Francisco Odonto brand), with additional revenue from proprietary healthcare service delivery through owned hospitals, laboratories, and São Francisco Resgate emergency transport. The company serves 6,000+ enterprise clients plus individual and family subscribers, holds the ANS Gold Category Accreditation Seal, and maintains ISO 9001:21, DSC 10000, and PNCQ quality certifications. Innovation initiatives include the SF Health Up laboratory supporting healthcare technology startups and the expanded video teleconsultation service for remote primary care delivery.

Name

São Francisco Saúde

Legal name

Grupo São Francisco Saúde

Website

https://planosaofrancisco.com.br

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

11–50 employees

Short description

São Francisco Saúde is a Brazilian health and dental insurance operator and integrated healthcare delivery provider, the 4th largest group medicine operator in Brazil since joining the Hapvida system in 2019, serving individual, adhesion, and enterprise customers across 6 states with 7 owned hospitals and 100+ proprietary units.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

General Medical and Surgical Hospitals (622110)

SIC

Services-Health Services (8000), Services-Hospitals (8060)

akta.pro primary industry

Hospital Shared Services, GPOs & System Support Organizations (HLAFAAAO)

Keywords

• Health insurance plans
• Dental insurance plans
• Hospital services
• Emergency medical transport
• Clinical laboratory services

Headquarters

HQ city

Ribeirão Preto

HQ country

Brazil

HQ region

Latin America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Plans (Individual/Family, Adhesion, Enterprise): Subscription-based monthly health insurance plans sold to individuals, adhesion groups (professional associations, public servants, students), and enterprises (starting at 02 lives). Revenue is recurring, based on monthly premiums paid by beneficiaries. Plans include access to owned hospitals, clinics, and an extensive accredited network.
2. Dental Insurance Plans (Odonto): Dental insurance plans offered in individual/personal (Pessoa Física) and enterprise (Empresarial) modalities. Monthly subscription plans focused on prevention and maintenance of oral health with extensive accredited network.
3. Healthcare Services (Hospital, Laboratory, Emergency Transport): Revenue generated from proprietary healthcare delivery through owned hospitals, laboratories, and emergency transport services (São Francisco Resgate). Services are rendered to plan beneficiaries and, potentially, external patients.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

São Francisco Saúde is a Brazilian health insurance and integrated healthcare delivery operator (part of the Hapvida system since 2019) that sells health and dental insurance plans to individuals, families, class-entity members, and enterprises, and delivers care through its owned network of 7 hospitals, 25+ laboratories, São Francisco Resgate emergency transport (274 ambulances), and over 100 proprietary units supported by an accredited network of 280 hospitals, 600 clinics, and 4,000+ affiliated doctors.

Product overview

São Francisco Saúde operates as a health insurance and healthcare services provider within the Hapvida system, offering a portfolio of health insurance plans (Coletivo por Adesão and Empresarial), dental plans (Odonto), and supplementary healthcare services. The company differentiates through its owned hospital and clinic network (100+ units including 7 hospitals with 550+ beds), clinical laboratory services, emergency rescue transport, and an innovation lab (SF Health Up). Recent additions include expanded video teleconsultation capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• São Francisco Odonto: Dental health insurance plans offering preventive and restorative dental care with extensive provider network.
• São Francisco Resgate
• Laboratório São Francisco
• SF Health Up

Products and services

• São Francisco Saúde Hapvida Coletivo por Adesão Group health insurance plan for individuals affiliated with partner class entities, providing access to owned clinics, specialists, and the broader accredited network with monthly subscription billing.
• São Francisco Saúde Hapvida Empresarial Corporate health insurance plan for companies starting at 02 employees, providing access to owned clinics, specialists, and the accredited network for employees and dependents under monthly subscription billing.
• São Francisco Odonto Hapvida — Plano Odonto Pessoa Física Individual dental insurance plan offering preventive, maintenance, and restorative dental care through an extensive accredited network on a monthly subscription basis.
• São Francisco Odonto Hapvida — Plano Odonto Empresarial Corporate dental insurance plan providing comprehensive dental coverage for employees with a preventive-care focus, billed monthly.
• São Francisco Resgate National-leader emergency medical transport and road rescue service providing patient transport across Brazilian highways via a fleet of 274 ambulances and 150+ support bases, certified to ISO 9001:21 and DSC 10000 standards.
• Laboratório São Francisco Clinical laboratory diagnostic service operating 25+ units, offering home collection, corporate collection, pediatric-friendly spaces, and over 300,000 exams monthly with PNCQ quality certification.

Quantifiable outcome

• 4th largest group health operator in Brazil
• +8 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• HapvidacoreStrategic or Co-development PartnerSão Francisco Saúde has been part of the Hapvida system since 2019. Hapvida is one of Brazil's largest health insurance groups, and the integration with São Francisco Saúde creates the 4th largest group health operator in the country. The partnership enables broader geographic coverage, shared network resources, and combined scale across both brands.
• Administradora de Benefícios AltercoreChannel Partner/ Reseller/ DistributorAdministradora de Benefícios Alter is the benefit administrator that commercializes and administers São Francisco Saúde Hapvida health plans (Coletivo por Adesão and Empresarial). It distributes plans through partnerships with professional associations, public servant groups, student organizations, and other class entities, enabling individual plan sales based on class affiliation.
• Rota SeguroscoreChannel Partner/ Reseller/ DistributorRota Seguros is an insurance broker and partner of São Francisco Saúde Hapvida, commercializing health and dental plans in Minas Gerais and São Paulo. Founded in 2001, it operates 11 branches (4 in MG, 2 in ES, 4 in PR, 1 in RS) and has become a national reference in health plan distribution.

Scale indicators13 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• NotreDame Intermédica: Vertically-integrated health operator with owned hospitals, clinics, and labs in Brazil, now merged into Hapvida; highly comparable on integrated care delivery model.
• Amil: One of Brazil's largest health plan operators with owned hospital network, serving individual, family, and enterprise segments with integrated care delivery; directly comparable business model and target customers.
• Prevent Senior: Brazilian health operator focused on elderly and chronic-care segments with owned hospital network; comparable subscription plan + provider model in a defined segment.
• SulAmérica Saúde: Large Brazilian health and dental insurance operator serving individual, family, SME, and enterprise segments with a broad accredited network; comparable subscription model and enterprise customer base.
• Bradesco Saúde: Major Brazilian health plan operator (part of Bradesco Seguros) focused on corporate and individual health and dental plans; comparable subscription model and target enterprise customers.
• Unimed: Largest cooperative medical system in Brazil, operating health plans with affiliated hospital and doctor networks across the country; comparable subscription-based plan + provider model and customer segments.
• Hapvida NotreDame Intermédica: Parent company since 2019 and Brazil's largest vertically-integrated health operator with a similar hospital + plan + lab model; directly comparable on business model, customer base, and footprint.

Broad incumbents

• Dasa: Largest medical diagnostics company in Brazil with extensive laboratory and imaging network; comparable to São Francisco's laboratory vertical at much larger scale.
• Rede D'Or São Luiz: Brazil's largest private hospital network operating across multiple states; comparable on hospital infrastructure and provider services to São Francisco's owned hospital network, though more provider-focused than plan-focused.

Emerging players

• Kora Saúde: Brazilian hospital operator with a regional network focused on high-complexity care; comparable to São Francisco's owned-hospital strategy, though more provider-focused without an integrated health plan arm.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/s%C3%A3o-francisco-sa%C3%BAde

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 São Francisco Saúde