Tempo Med | Operadora de Planos de Saúde

Name

Tempo Med | Operadora de Planos de Saúde

Legal name

Tempo Med Ltda.

Website

https://tempomed.com.br

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Plan Premiums (Mensalidades): Recurring monthly premiums from enterprise (PME, grandes empresas), individual/family, and collective adhesion health plans. Plans include coparticipation components where beneficiaries pay a percentage (typically 30% or 50%) of procedure costs
2. Coparticipation Fees: Variable coparticipation charges collected from beneficiaries when they use services (consultations, exams, procedures). Model incentivizes rational use while keeping base premiums lower
3. Pharmacy Discounts Partnership: Partnership with Panvel, Drogarias Catarinense, and Farmácia Preço Popular offering medication discounts to beneficiaries

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Tempo Med sells health insurance plans (Plano Exclusivo) to businesses (PME, MEI, large enterprises) and to individuals/families, providing medical-hospital coverage with coparticipation (30% or 50%). The offering is delivered through a vertically integrated own network that includes Ilha Hospital, specialty clinics, and 24/7 telemedicine (Pronto Atendimento Virtual), with family medicine as the primary care coordinator and a proprietary app for scheduling, digital card, and service access.

Product overview

Tempo Med is a health insurance operator (operadora de planos de saúde) offering the Plano Exclusivo product line for businesses (PME, MEI, medium and large companies) and individuals/families. The company's differentiated model combines a verticalized own network (including Hospital Ilha and specialty clinics) with 24/7 telemedicine services, family medicine as the primary care coordinator, and a mobile application. The Plano Exclusivo is offered with coparticipation (30% or 50%) with clear and predictable costs, where family doctor consultations and virtual emergency care are provided at zero coparticipation. The operator serves approximately 30,000 lives across Florianopolis, São José, Palhoça, and Litoral (PR), maintaining about 80% of services in its own network.

Differentiator

Problem solved

Functional benefit

Brands

• Plano Exclusivo: A streamlined, affordable health insurance product targeting individuals and businesses, based on a verticalized own-network model with coparticipation, launched June 2024.
• Pronto Atendimento Virtual
• Programa Tempo Saudável
• Centro de Tratamento de Cálculo Urinário

Products and services

• Plano Exclusivo Empresarial Health insurance plan for businesses (PME, MEI, medium and large companies) starting from R$121/month for dependents aged 0-18 in enfermaria accommodation with 50% coparticipation. Offers adult pricing tiers, 30% or 50% coparticipation options with defined caps for financial predictability, and includes family doctor consultations and virtual urgent care exempt from coparticipation. Coverage delivered through Tempo Med's own hospital and clinics plus the credentialed network.
• Plano Exclusivo Individual e Familiar Health insurance plan for individuals and families starting from R$139/month for ages 0-18 with 50% coparticipation. Available with enfermaria or apartamento accommodation options, with 30% or 50% coparticipation and clear caps for financial predictability. Includes family medicine coordination and access to the Pronto Atendimento Virtual 24-hour telemedicine service at no coparticipation cost.
• Coletivo por Adesão Plans Collective adhesion health plans offered through professional associations, unions, and affinity groups, providing group purchasing power for individuals in formal or informal work groups as an accessible entry point to Tempo Med coverage.

Quantifiable outcome

• NPS 86 (Net Promoter Score) from beneficiary satisfaction research
• +6 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Hospital Baía Sul MulhercoreOthers · 17 January 2026Women's health network partner since January 2026 offering 24h gynecological/obstetric emergency care, maternity services, and NICU. Located at Rod. José Carlos Daux, 3780 - Saco Grande, Florianópolis.
• Hospital de Olhos de Florianópolis (HOF)coreOthers · 1 July 2025Ophthalmology network partner since July 2025, replacing Hospital Vista Medicina dos Olhos. Offers emergency care, consultations, exams, and ophthalmologic procedures. Four locations: Centro, Square Corporate (SC-401), Campeche (Florianópolis), and Biguaçu. Reference in retina/vitreous, cornea/cataract procedures since 2011.
• Clínica e Maternidade Santa HelenacoreOthers · 6 June 2025Maternal-infant health network partner since June 2025, providing reference maternity, obstetric emergency, and NICU services. Added as replacement during Ilha Hospital renovation.
• Imperial Hospital de CaridadecoreOthers · 6 June 2025Pediatric care network partner since June 2025, providing 24h pediatric emergency and inpatient services. Added as replacement during Ilha Hospital renovation.
• Mobile Saúde (TC Sistemas e Aplicações Ltda)coreTechnology or IntegrationTechnology partner providing the proprietary mobile application (app Tempo Med) and digital platform infrastructure (mosiaomnichannel.com.br domain). The app enables appointment scheduling, telemedicine, digital card, and coparticipation tracking for beneficiaries. Data sharing governed by LGPD compliance requirements.
• Panvel FarmáciasminorOthersPharmacy discount partnership offering up to 35% discount on generic medications and 20% on other medications to Tempo Med beneficiaries.
• Drogarias CatarinenseminorOthersPharmacy discount partnership offering 30% discount on generic medications and 15% on other medications to Tempo Med beneficiaries.
• Farmácia Preço PopularminorOthersPharmacy discount partnership offering 30% discount on generic medications and 15% on other medications to Tempo Med beneficiaries.
• Felizmed (São José)coreOthersNetwork partner in São José offering orthopedics and general medical services at Rua Dr Constâncio Krummel, 1083 - Praia Comprida. Open Monday-Friday 8h-19h.
• CTS ConsultoriaminorOthersConsulting firm engaged to conduct the annual Beneficiary Satisfaction Survey following ANS (health regulator) guidelines.
• FJB Gestão Estratégica e AuditoriaminorOthersIndependent audit firm providing audit opinion on the Beneficiary Satisfaction Survey results per ANS requirements.

Scale indicators9 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Hapvida NotreDame Intermédica: Largest vertically integrated Brazilian health plan operator. Directly comparable to Tempo Med for the owned-network + managed-care model; Tempo Med acquired lives from Hapvida in May 2023 to enter the Grande Florianópolis market.
• Prevent Senior: São Paulo-based vertically integrated health plan operator with owned hospital/clinic network and tight cost management. Comparable in owning the full care stack and operating on a lean cost structure.
• Unimed Florianópolis: Local Unimed cooperative serving the same Grande Florianópolis market as Tempo Med. The most direct head-to-head competitor for PME and family health plan segments in Tempo Med's home territory.
• Unimed: Brazilian cooperative system of regional health plan operators with owned provider networks. Closest structural analog to Tempo Med's regional, vertically integrated operator model.
• Amil: Major Brazilian health plan operator owned by UnitedHealth Group with strong corporate/PME book. Comparable in product structure (corporate, family plans) and digital-first positioning; broader geographic reach.

Regional players

• São Francisco Saúde: Regional Brazilian health plan operator with presence in multiple states. Comparable in mid-sized regional operator profile and target segments.

Broad incumbents

• SulAmérica: Major Brazilian health insurer with national corporate and individual offerings. Competes for the same PME and family segments in southern Brazil.
• Bradesco Saúde: One of Brazil's largest health insurers, part of Bradesco group, serving national corporate and individual segments. Competitor for PME contracts in Grande Florianópolis; broader portfolio and balance sheet.
• Porto Seguro Saúde: Porto Seguro group's health insurance arm, offering individual/family and SME plans. Competes with Tempo Med for cost-conscious Brazilian consumers.
• Hapvida: Predecessor entity to Hapvida NotreDame Intermédica and the source of the lives Tempo Med incorporated in May 2023. Provides a benchmark for Tempo Med's likely acquisition-and-integration growth path.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tempomedplano
• LinkedInlinkedin.com/company/tempomedplanos
• Instagraminstagram.com/planotempomed

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Tempo Med | Operadora de Planos de Saúde