Select

Supplementary Health Insuranceselectoperadora.com.br

Select Operadora de Planos de Saúde is a Brazilian ANS-regulated health insurance operator serving 50,000+ individuals, families, SMEs, and corporations across all 27 Brazilian states through individual, family, corporate, and collective adhesion plans distributed via digital, broker, and professional association channels.

Company typePrivate
Founded1991
HeadquartersCuritiba, Brazil
Headcount51–100
GTM typeB2B and B2C
OfferingServices

What Select does

Select Operadora de Planos de Saúde Ltda. is a Brazilian ANS-regulated health insurance operator (ANS Registration 35805-3) selling individual, family, SME, corporate, and collective adhesion health plans to Brazilian consumers and employers. The company was founded as Planmed in 1991 in Goiânia, Goiás, focused on preventive medicine and health insurance, and was rebranded to Select before launching a multi-state expansion starting in 2024 that achieved national coverage across all 27 Brazilian states and all capitals by 2025. As of 2025, Select serves over 50,000 clients through a network of 3,200 hospitals, clinics, and laboratories.

The company's core platform combines a digital beneficiary portal and mobile app (offering the Carteirinha Digital, segunda via boleto, and network search), telemedicine infrastructure, and ANS-mandated TISS electronic data exchange for interoperability with providers. Product portfolio spans Plano Individual, Plano Familiar, Plano Empresarial/PME (2+ lives), Plano Coletivo por Adesão (distributed through OAB, CREA, CRM, and union partnerships), and Plano Corporate (100+ lives with sinistralidade management and wellness programs). Add-on services include Telemedicina remote consultations and a 24/7 Concierge/scheduling service, with a specialized autism spectrum (TEA) care network addressing an underserved cohort.

Select operates a recurring subscription revenue model with monthly premiums (starting from R$279.75/month for individual plans) plus optional coparticipacao (cost-sharing on consultations, exams, and therapies). Distribution is multi-channel: direct digital sales through the website, WhatsApp, and SAC contact center; licensed broker/corretor partner network; professional association partnerships; and a dedicated corporate sales team for 100+ life accounts. The company is privately held, has no parent company or external investor ownership disclosed, and operates from a 64-person team supporting the national footprint.

Select firmographics

Firmographics

Name: Select
Legal name: SELECT Operadora de Plano de Saúde Ltda.
Website: https://selectoperadora.com.br
Company type: Private
Founded year: 1991
Operating status: Operating
Headcount range: 51–100 employees
Short description: Select Operadora de Planos de Saúde is a Brazilian ANS-regulated health insurance operator serving 50,000+ individuals, families, SMEs, and corporations across all 27 Brazilian states through individual, family, corporate, and collective adhesion plans distributed via digital, broker, and professional association channels.
Ownership category
akta.pro rank

Select industry classification

Industry

Product category: Supplementary Health Insurance
NAICS: Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)
SIC: Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)
akta.pro primary industry: Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)
akta.pro secondary industries: Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Care Management & Population Health Program Administration (HLAEALAG)

Keywords

Health insurance plans
Supplementary health operator
Corporate health benefits
Telemedicine services
Medical provider network

Where Select is headquartered

Location

Headquarters

HQ city: Curitiba
HQ country: Brazil
HQ region: Latin America

Offices2 records

Markets served

Select business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

Health Insurance Premiums (Mensalidades): Select generates revenue through recurring monthly premiums paid by beneficiaries across individual, family, collective adhesion, SME, and corporate plan modalities. Premiums vary by plan type, accommodation (ward vs. private room), geographic coverage, and copay structure. Annual ANS-regulated adjustments apply to individual/family plans.
Coparticipacao (Cost-Sharing): For plans with coparticipation, beneficiaries share a percentage or fixed fee for certain services (consultations, exams, therapies), generating incremental per-transaction revenue on top of base premiums.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Individual/Family plans starting from R$279.75/month (Aracaju reference)
Subscription	Monthly	SME/PME plans from 2 lives, Corporate plans from 100 lives
Subscription	Monthly	Collective by Adhesion plans

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Select product offering

Product offering

Core offering

Select Operadora de Planos de Saúde Ltda. is a Brazilian ANS-regulated health insurance operator offering Individual, Family, Corporate/SME (2+ lives), Collective by Adhesion, and large Corporate (100+ lives) health plans. Beneficiaries access a curated network of 3,200+ hospitals, clinics, and laboratories across all 27 Brazilian states, supported by telemedicine, concierge scheduling, digital ID card, and a beneficiary portal. The company serves over 50,000 clients and is registered with ANS under number 35805-3.

Product overview

Select Operadora de Planos de Saúde is a Brazilian health insurance company offering a comprehensive portfolio of health plans. Originally founded as Planmed in 1991 in Goiânia, the company rebranded to Select and achieved national coverage by 2025. The core product lineup includes Individual, Family, Corporate/PME, Collective Membership, and Corporate (100+ lives) health plans, all supported by an extensive network of 3,200+ hospitals, clinics, and laboratories. Supplementary services include telemedicine, concierge scheduling, and digital ID cards. The company operates under ANS registration 35805-3 and is regulated by Brazilian health insurance standards including TISS information exchange protocols.

Differentiator

Problem solved

Functional benefit

Products and services

Plano Individual (Individual Plan) Direct contracted health plan between an individual (CPF) and Select offering ANS-regulated annual adjustment limits and lifelong contract protection against unilateral cancellation. Designed for individuals seeking private health coverage with predictable premiums and access to the national network of 3,200+ providers.
Plano Familiar (Family Plan) Unified health plan contract covering the entire family (spouse, children, and extended family members) under one management with ANS-controlled adjustments and anti-cancellation protection. Includes RN protocol for newborn inclusion with no waiting periods.
Plano Empresarial/PME (Corporate/SME Plan) Health plan for companies (CNPJs) ranging from small and medium enterprises (2+ lives) to large corporations, with cost-per-life optimization based on group claims experience (sinistrality). Groups of 30+ lives qualify for full waiting period exemption.
Plano Coletivo por Adesão (Collective Membership Plan) Health plan for professionals affiliated with class entities (OAB, CREA, CRM, unions) through partnerships between Select, class entities, and benefit administrators. Offers premium portfolio access at reduced collective costs through group purchasing power.
Plano Corporate (Corporate 100+ lives) Enterprise plan for companies with 100+ employees featuring sinistrality management, preventive consultations, wellness lectures, and focused health monitoring to improve workforce quality of life.
Telemedicina (Telemedicine) Remote medical consultation service allowing beneficiaries to access healthcare professionals via digital channels. Enhances healthcare accessibility and convenience, particularly in regions with limited specialty provider availability.
Serviço de Concierge (Concierge Service) Assistance service that helps beneficiaries schedule consultations, exams, and navigate the Select healthcare network efficiently. Provides a white-glove service layer on top of network access.
Rede Credenciada (Provider Network) Network of 3,200+ hospitals, clinics, and laboratories across Brazil providing beneficiaries access to healthcare services nationwide. Network is selectively curated for clinical excellence, high resolution capacity, and humanized service.
Carteirinha Digital (Digital ID Card) Digital version of the health plan identification card accessible via the beneficiary mobile app and portal for easy verification and access to healthcare services at network providers.

Quantifiable outcome

50,000+ clients served across Brazil as of 2025
+2 more outcomes

Companies that use Select

Customer profile

Named customers15 records

Segments5 records

Ideal customer profiles4 records

Select technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature4 records

Select partnerships and signals

Strategic signal

Partnerships

15 partnerships are on record, tiered minor and core.

Martins, Robledo & Bernardon Sociedade de AdvogadosminorOthersExternal law firm serving as the appointed DPO (Encarregado pelo Tratamento de Dados Pessoais / Data Protection Officer) for Select, as required under Brazil's LGPD. Located at CNPJ 19.232.473/0001-42, handling data subject requests and ANS-related privacy matters via [email protected].
ANS (Agência Nacional de Saúde Suplementar)coreOthersBrazil's national supplementary health agency that regulates all health insurance operators. Select operates under ANS Registro 35805-3 and is subject to ANS oversight including the TISS data standard, IDSS quality index, annual price adjustments, and consumer protection regulations.
Hospital Primavera (Aracaju)coreImplementation/ SI/ Consulting PartnerFlagship hospital partner in Sergipe offering high-complexity care including modern surgical centers, cutting-edge ICUs, and specialized units in cardiology, neurology, orthopedics, and oncology.
Hospital São Lucas (Aracaju)coreImplementation/ SI/ Consulting PartnerMajor hospital partner in the Select network in Sergipe, providing high-complexity inpatient and surgical services.
Hospital do Coração / HCor-SE (Aracaju)coreImplementation/ SI/ Consulting PartnerSpecialized cardiology hospital in the Select network in Sergipe, providing cardiac care and cardiovascular procedures.
Hospital Marcelino Champagnat (Curitiba)coreImplementation/ SI/ Consulting PartnerReferral hospital in the Select network in Paraná state.
Hospital Pequeno Príncipe (Curitiba)coreImplementation/ SI/ Consulting PartnerReferral pediatric hospital in the Select network in Paraná state, recognized as a center of excellence in child health.
Hospital Costantini (Curitiba)coreImplementation/ SI/ Consulting PartnerReferral hospital in the Select network in Paraná state.
Laboratório Clinradi (Aracaju)minorImplementation/ SI/ Consulting PartnerDiagnostic laboratory partner in Aracaju, providing clinical analysis and diagnostic testing services.
Laboratório Solim (Aracaju)minorImplementation/ SI/ Consulting PartnerDiagnostic laboratory partner in Aracaju.
Laboratório Semed (Aracaju)minorImplementation/ SI/ Consulting PartnerDiagnostic laboratory partner in Aracaju.
Clínica Cemise (Aracaju)minorImplementation/ SI/ Consulting PartnerSpecialized clinic partner in Aracaju.
Clínica Homo (Aracaju)minorImplementation/ SI/ Consulting PartnerSpecialized clinic partner in Aracaju.
Clínica Climedi (Aracaju)minorImplementation/ SI/ Consulting PartnerSpecialized clinic partner in Aracaju.
Clínica Tear, Humaniza TEA, Clínica Reintegrar, Clínica Dasam (and others)minorImplementation/ SI/ Consulting PartnerSpecialized autism spectrum (TEA) care providers in Select's network, offering behavioral therapy, multidisciplinary assessments, and developmental care. Clinics include Tear, Humaniza TEA, Clínica Reintegrar, and Clínica Dasam, serving beneficiaries across Brazil.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Select competitors and assessment

Company assessment

Direct peers

Sami: Sami is a Brazilian health plan operator serving individuals and SMEs with a digital-first model, telemedicine, and curated provider networks. Directly comparable to Select in product offering, target segments (PF and PME) and tech-enabled service model.
Unimed: Unimed is a nationwide cooperative system of medical cooperatives operating health plans across Brazil; local Unimed franchises (e.g., Unimed Curitiba, Unimed Goiânia) directly compete with Select in the same geographies and serve similar PF, PME and corporate segments.
Assim Saúde: Assim Saúde is a Brazilian health plan operator active in Rio de Janeiro serving individual, family and corporate accounts. Directly comparable to Select as a regionally focused ANS-regulated operadora with similar product mix.
Golden Cross: Golden Cross is a long-established Brazilian health plan operator offering individual, family and corporate plans. Comparable to Select as a similarly sized and historically positioned ANS-regulated operadora competing for the same PF and PME segments.

Broad incumbents

Amil: Amil is a major Brazilian health insurer owned by UnitedHealth Group, offering individual, family, SME and corporate plans nationally. Comparable to Select in product mix and regulatory model, with substantially greater scale and brand recognition.
SulAmérica Saúde: SulAmérica operates one of Brazil's largest health insurance lines serving individuals and corporate accounts nationwide. Comparable to Select across all customer segments and ANS-regulated carrier model, with much larger scale.
Hapvida NotreDame Intermédicas: Hapvida NDI is the largest Brazilian health insurance operator with a vertically integrated provider network and national footprint. Comparable to Select as a national-scale operadora de planos de saúde, but with much larger member base and capital resources.
Bradesco Saúde: Bradesco Saúde is a major Brazilian health insurer affiliated with Bradesco bank, focused on corporate and SME plans. Comparable to Select in product model (operadora) with particular overlap on the PME and corporate segments.
Porto Seguro Saúde: Porto Seguro Saúde is the health insurance arm of Porto Seguro, selling individual, family and SME plans nationally. Comparable to Select as a mid-sized Brazilian operadora competing for similar customer segments.

Regional players

Prevent Senior: Prevent Senior is a São Paulo-based health plan operator with vertically integrated provider services, primarily serving the São Paulo metropolitan region. Comparable to Select as an operadora model, though concentrated in a single region and focused on the senior segment.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Select compliance and trust

Trust signal

Compliance4 records

Select financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Select leadership team

Management profile

Number of profiles

Select funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Select M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Select

What does Select do?

Is Select a public or private company?

Select is a private company. It is classified as unknown and is currently operating.

When was Select founded?

Select was founded in 1991. It employs 51 to 100 people.

Where is Select based?

Select is headquartered in Curitiba, Brazil, in the Latin America region.

How does Select make money?

Two revenue lines are on record. Health Insurance Premiums (Mensalidades) is the primary driver. The others are coparticipacao (Cost-Sharing).

Who are Select's main competitors?

Direct peers on record are Sami, Unimed, Assim Saúde and Golden Cross. Broad incumbents are Amil, SulAmérica Saúde, Hapvida NotreDame Intermédicas, Bradesco Saúde and Porto Seguro Saúde. Prevent Senior is listed as a regional player.

Does Select have an API?

No public API is recorded for Select.

What industry is Select in?

Select's product category is Supplementary Health Insurance. Its primary akta.pro industry code is FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts), with a secondary code of FSAIAFAH, Association & PEO Group Health Plans (AHP/PEO-Sponsored). Its NAICS code is 524114 and its SIC code is 6324.