SISBEN

What SISBEN does

SISBEN Sistema de Benefícios is a Brazilian private benefits aggregator headquartered in Londrina, Paraná, operating as a subsidiary of GESTAR - Gestão em Saúde. Founded in 2013 (with 2021 copyright marking brand material), the company sells subscription-based benefit bundles to individual members and families across Brazil, covering health assistance, dental, life and funeral insurance, occupational medicine, home care, pharmacy discounts, a multi-purpose benefits card, and an e-learning platform. The core offering is built around a recurring monthly subscription with co-participative pricing, in which a titular member can extend coverage to a spouse, children up to 18, and legal dependents.

The company's product portfolio is organized through multiple sub-brands targeting distinct use cases: SISBEN ODONTO for dental coverage, SISCLIN MEDWORK for occupational medicine sold to corporate clients, SISCLIN HOME for residential and corporate home emergency and transport services, SISBEN CARD (including FOOD, MEAL, and FUEL sub-products) for retail and mobility discounts, and SISBEN EDU providing access to over 1,350 distance-learning courses. Insurance modalities — natural death, accidental death, salary protection, disability, and chronic disease advance — are delivered through a strategic partnership with Porto Seguro. The pharmaceutical discount benefit is delivered through an accredited network of more than 9,500 pharmacies nationally.

Go-to-market combines a direct sales force of consultants (prospective customers reach them through website contact forms, phone lines, and social channels Facebook and Instagram) with two scaled distribution mechanisms: a national accredited provider network (clinics, hospitals, laboratories, dental offices, retail partners) and the SisbenMulti entrepreneur program, which recruits independent agents paid through an innovative compensation system. The company operates with 51–100 employees and does not publicly disclose pricing, member counts, or financials. There is no evidence of proprietary technology, mobile applications, or AI/ML capabilities in the available data; the value proposition rests on bundle breadth and distribution scale rather than technology differentiation.

Name

SISBEN

Legal name

SISBEN Sistema de Benefícios

Website

https://sisbencomvc.com.br

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

SISBEN is a Brazilian private benefits aggregator offering subscription-based bundles of health assistance, dental, life and funeral insurance, occupational medicine, home care, pharmacy discounts, a multi-purpose benefits card, and e-learning to individual members and families across Brazil.

Ownership category

akta.pro rank

Product category

Health Benefits Administration

NAICS

Finance and Insurance (52), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Dental Insurance (FSAIAEAE)

Keywords

• Health assistance plans
• Funeral assistance services
• Life insurance packages
• Occupational medicine programs
• Benefit loyalty cards

Headquarters

HQ city

Londrina, Paraná

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Assistance Plans: Monthly subscription-based health assistance plans with co-participative pricing covering ambulatory care, surgeries, physiotherapy, dental, psychological services, imaging exams, and clinical laboratory analyses. Plans cover titular member, spouse, children up to 18 years, and legal dependents.
2. Life and Funeral Insurance Packages: Insurance products offered in partnership with Porto Seguro including natural death insurance, accidental death insurance, salary insurance for 3-month work absence, total or partial disability insurance, and chronic disease advance payment. Also includes funeral assistance with cremation and thanatopraxy services.
3. SISBEN Card Benefit Program: A benefits card providing access to a network of affiliated providers including stores, convenience stores, optical shops, shopping centers, supermarkets, pharmacies, and gas stations. Includes food, meal, and fuel card benefits.
4. SisbenMulti Business Plan: An innovative compensation system for entrepreneurs who partner with SISBEN, allowing independent agents to earn income by promoting and selling SISBEN plans.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

SISBEN sells a multi-product subscription benefits system for individuals, families, and businesses in Brazil, bundling health assistance plans, life and funeral insurance, dental coverage, a benefit/loyalty card, pharmacy discounts and an e-learning platform. Plans are delivered through a national accredited network of clinics, hospitals, laboratories, dental offices and more than 9,500 pharmacies, and are sold directly by consultants and entrepreneur partners under the SisbenMulti program.

Product overview

SISBEN (Sistema de Benefícios) is a comprehensive benefits system offering multiple complementary products under a unified platform. The portfolio includes: health assistance plans (Assistência Saúde) with national coverage, dental plans (SISBEN ODONTO), occupational medicine services (SISCLIN MEDWORK), home emergency care (SISCLIN HOME), five insurance modalities, funeral assistance, benefit cards with shopping and fuel discounts (SISBEN CARD with food, meal, and fuel sub-products), pharmacy discounts across 9,500+ locations nationwide, and an e-learning platform (SISBEN EDU) with 1,350+ courses. Additional services include home care (DOM), monthly prize drawings, and basic food baskets. The system operates in partnership with GESTAR – Gestão em Saúde and Porto Seguro, and is managed through the SisbenMulti business plan.

Differentiator

Problem solved

Functional benefit

Brands

• SisbenMulti: Innovative business and remuneration system for entrepreneurs partnering with SISBEN.
• SISBEN ODONTO
• SISCLIN HOME
• SISCLIN MEDWORK
• SISBEN CARD
• SISBEN EDU
• GESTAR
• Sisclin

Products and services

• Assistência Saúde (Health Assistance Plan) Comprehensive co-participative health assistance plan providing ambulatory care with generalist and specialist physicians, surgical procedures, physiotherapy, psychological care, imaging exams, clinical laboratory analyses and home care (DOM) services for the policyholder, spouse, children up to 18 years, and legal dependents, delivered through SISBEN's accredited provider network.
• SISBEN ODONTO (Dental Plan) Dental health plan providing full coverage of procedures required by ANS (Brazilian National Health Agency), with national coverage for dental services accessed through SISBEN's accredited dental office network.
• SISCLIN HOME (Home Care and Removal) Home care and patient removal service providing emergency services including mobile ICU transport for residences and businesses, with home care (DOM) coverage explicitly available in Londrina, Cambé, and Ibiporã.
• SISCLIN MEDWORK (Occupational Medicine) Occupational medicine service offering business plans with occupational health exams and Ministry of Labor required reports (laudos) for ASO/PCMSO compliance, with national coverage and differentiated corporate pricing.
• Planos de Seguros (Life and Insurance Packages) Five insurance modalities with national coverage offered in partnership with Porto Seguro: Natural Death Insurance, Accidental Death Insurance, Salary Insurance for 3 months of work absence, Total or Partial Disability Insurance, and Chronic Disease Insurance Advance.
• Assistência Funeral (Funeral Assistance) Complete funeral assistance including cremation and thanatopraxy services for the policyholder and legal dependents, delivered through partnerships with multiple insurers, plus a one-year basic food basket (Cesta Básica) for surviving family members in the event of the policyholder's death.
• SISBEN CARD (Benefits Card) Benefit and loyalty card with an extensive affiliated network providing discounts at stores, convenience stores, optical shops, shopping malls, major supermarket chains, pharmacies, and gas stations nationwide, with additional FOOD, MEAL, and FUEL card sub-products.
• SISBEN EDU (E-learning Platform) E-learning platform providing members with access to over 1,350 online (EAD) courses for professional development and continuing education.

Quantifiable outcome

• Discounts on medications at 9,500+ pharmacies nationwide
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• GESTAR - Gestão em SaúdecoreStrategic or Co-development PartnerGESTAR is the parent company and healthcare management organization that owns and operates the SISBEN Sistema de Benefícios. Located in Londrina, GESTAR administers assistance plans and a benefits system, offering family and individual plans with competitive pricing. GESTAR partners with Porto Seguro for insurance packages.
• Porto SegurocoreStrategic or Co-development PartnerPorto Seguro, one of Brazil's largest insurance companies, partners with GESTAR to offer insurance packages including natural death, accidental death, salary protection, disability, and chronic disease advance insurance to SISBEN members.
• Pharmacy Network PartnerscoreChannel Partner/ Reseller/ DistributorOver 9,500 affiliated pharmacies across Brazil offering discounted medications to SISBEN members with national coverage through the pharmacy benefit program.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Care Plus: Brazilian premium health plan operator offering individual and corporate plans with benefits bundling. Comparable in multi-product subscription model targeting quality-conscious consumers, though positioned at higher price tier than SISBEN.
• Prevent Senior: Brazilian health plan operator focused on affordable individual/family coverage with proprietary hospital network. Comparable in targeting price-sensitive individual/family subscribers, though operates at much larger scale and primarily in São Paulo.
• Odontoprev: Brazil's largest independent dental plan operator with national accredited dentist network. Directly comparable to SISBEN ODONTO on dental subscription model, network structure, and ANS-regulated individual dental coverage — and operates at much larger scale.

Broad incumbents

• Unimed: Brazil's largest cooperative medical system with national coverage via regional Unimed franchises. Offers individual/family health plans and supplementary benefits, directly overlapping SISBEN's core subscription model and accredited provider distribution model.
• Amil: UnitedHealth Group-owned Brazilian health plan operator offering individual/family, corporate, and SME health plans plus Amil Dental. Comparable in product breadth (health + dental + network), and competes for the same middle-market subscription customer SISBEN targets.
• SulAmérica Saúde: One of Brazil's largest independent insurers offering health, dental, life, and funeral insurance products through multi-channel distribution. Highly comparable in product mix to SISBEN, including life and funeral lines similar to SISBEN's Porto Seguro-backed offerings.
• Porto Seguro Saúde: Porto Seguro's health and dental insurance division — and SISBEN's primary insurance underwriting partner. Comparable in product mix (health, dental, life, funeral), but operates as the licensed carrier rather than as SISBEN's broker/distributor model.
• Bradesco Seguros: Insurance arm of Banco Bradesco offering health plans, dental, life, and funeral products distributed through Brazil's largest bank branch network. Comparable bundle of products to SISBEN with vastly superior brand recognition and capital base.
• Hapvida NotreDame Intermedica: Brazil's largest vertically integrated health plan operator post-Hapvida/NDI merger, offering health plans, dental, and hospital services across the country. Directly comparable to SISBEN in health plan + dental bundle but operates at vastly greater scale with proprietary hospital infrastructure.

Regional players

• Assim Saúde: Regional health plan operator with presence in multiple Brazilian states. Comparable in mid-market individual/family subscription model, but smaller national footprint than SISBEN aspires to cover.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sisbencomvoce
• Instagraminstagram.com/sisbencomvoce
• LinkedInlinkedin.com/company/lab-lon-laborat%C3%B3rio

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 SISBEN