Oplan - Todos os direitos reservados.

What Oplan - Todos os direitos reservados. does

Oplan - Operadora de Saúde is a private Brazilian health insurance operator (operadora de planos de saúde) registered with the Agência Nacional de Saúde Suplementar (ANS) under Registro ANS 41822-6 in the Medicina de Grupo modality, legally constituted as OPLAN SAÚDE OPERADORA DE PLANO DE SAÚDE LTDA (CNPJ 13.816.250/0001-46). Headquartered at Estrada Ari Parreiras nº 399 in Itaguaí, Rio de Janeiro, the company sells corporate and adhesion health plans concentrated in the Costa Verde region and expanding into Greater Rio de Janeiro and Sul Fluminense. Its portfolio includes the Costa Verde adhesion/business plan, the Master Digital PME plan (for companies with 30+ lives), and the upcoming Vale do Café plan.

The offering combines an owned-and-operated care network — including Hospital Geral Itaguaí (HGI) and the Oplan Care Centro Médico da Família — with a credenciada network of 150+ clinical units delivering 2,000+ monthly attendances, and a digital layer comprising Hospital Digital 24/7 teleconsultation, a Portal do Beneficiário (member self-service, operated with technology partner Facil Informática), a Portal da Transparência publishing annual IDSS scores, and an online network search tool. The company holds ONA hospital accreditation and has participated consecutively in the ANS PQO/IDSS quality program since 2021.

The business operates a subscription/recurring monthly premium revenue model, selling primarily to corporate clients in the Costa Verde region through direct sales channels: dedicated WhatsApp lines, a phone/SAC central (21) 2391-9645, website contact, and field corporate representatives. Reported scale is 1,500+ corporate clients and 1,450 beneficiaries per ANS (IDSS 2022, ano-base 2021), suggesting a fragmented SMB-heavy book. Pricing is not publicly disclosed and is offered via quotation, with ANS-regulated annual readjustments (e.g., 9.63% for collective contracts under 30 lives for May 2024-April 2025).

Name

Oplan - Todos os direitos reservados.

Legal name

OPLAN SAÚDE OPERADORA DE PLANO DE SAÚDE LTDA

Website

https://oplan.com.br

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Oplan is a private Brazilian health insurance operator (ANS-registered, Medicina de Grupo) selling corporate and adhesion plans in the Costa Verde and Greater Rio de Janeiro regions, combining owned facilities, a 150+ unit credenciada network, and 24/7 teleconsultation.

Ownership category

akta.pro rank

Product category

Health Insurance

SIC

Hospital & Medical Service Plans (6324)

akta.pro industry

PRIMARYHLAEALAE

Provider Network Administration & Contracting (PPO Network Management)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

Keywords

• Health insurance plans
• Medical hospital operator
• Corporate health coverage
• Accredited care network
• Teleconsultation services

Headquarters

HQ city

Itaguaí

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Health Plan Premiums: Monthly premium payments from corporate clients (empresas) and adhesion plan members. Revenue is recurring and subscription-based, collected on a monthly or annual billing cycle per beneficiary.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Oplan operates as a Brazilian Operadora de Saúde (health plan operator) under ANS registration (Operator 41822-6), selling monthly health insurance plans to corporate clients, PME companies, and adhesion members in the Costa Verde and Rio de Janeiro regions. Its core offering combines subscription-based medical-hospital plans (Costa Verde Adesão Empresarial and Master Digital PME), backed by an owned Hospital Geral Itaguaí, the Oplan Care family medical center, and an accredited network of 150+ clinical units and pharmacies. Plans provide coverage for consultations, exams, hospitalization, and surgeries, with Hospital Digital teleconsultation available 24/7.

Product overview

Oplan is a health insurance operator (operadora de saúde) offering a portfolio of health insurance plans and medical services. The core offering consists of three named health plans: Costa Verde (adhesion/business plan), Master Digital (PME plan for 30+ employees), and Vale do Café (upcoming regional plan). These are supported by owned healthcare facilities including Hospital Geral Itaguaí (HGI) and Oplan Care (Family Medical Center), a Hospital Digital teleconsultation service, beneficiary and transparency web portals, and a provider network search tool. The plans provide coverage for consultations, exams, hospitalization, and surgeries across the Costa Verde and Greater Rio de Janeiro regions.

Differentiator

Problem solved

Functional benefit

Brands

• Costa Verde: Adesão Empresarial health plan with broad credentialed network covering Costa Verde and RJ, offering consultations, exams, hospitalization and surgeries without co-payment, with ward accommodation. Covers municipalities: Angra dos Reis, Mangaratiba, Seropédica, Itaguaí, RJ up to Sulacap.
• Master Digital
• Vale do Café

Products and services

• Costa Verde (Adesão Empresarial) Medical-hospital health insurance plan with broad provider network covering Costa Verde and Rio de Janeiro. Provides consultations, exams, hospitalization, and surgeries without co-payment. Accommodation in ward rooms. Coverage includes Angra dos Reis, Mangaratiba, Seropédica, Itaguaí, and Rio de Janeiro up to Sulacap.
• Master Digital Corporate medical-hospital health insurance plan for companies with more than 30 employees (PME). Provides broad provider network coverage across Angra dos Reis, Mangaratiba, Seropédica, Itaguaí, Rio de Janeiro, Queimados, Nova Iguaçu, Nilópolis, Mesquita, Duque de Caxias, and São João de Meriti.
• Hospital Geral Itaguaí (HGI) Owned, accredited hospital facility in the Costa Verde region of Rio de Janeiro state, providing hospital and inpatient services to Oplan beneficiaries and credenciado-network patients through qualified professionals and infrastructure.
• Oplan Care — Centro Médico da Família Family Medical Center operated by Oplan as part of its owned provider network, delivering outpatient medical services to plan beneficiaries in the Costa Verde region.

Quantifiable outcome

• 1500+ corporate clients served
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Drogarias PachecominorOthersPharmacy discount partnership providing exclusive discounts to Oplan beneficiaries. Customers present their CPF or plan card to receive discounts at Drogarias Pacheco stores.
• Drogaria Sao PaulominorOthersPharmacy discount partnership providing exclusive discounts to Oplan beneficiaries. Customers present their CPF or plan card to receive discounts at Drogaria Sao Paulo stores.
• Agencia Nacional de Saude Suplementar (ANS)coreOthersRegulatory partnership through the Programa de Qualificacao de Operadoras (PQO). Oplan participates in annual IDSS evaluation by ANS to demonstrate quality and compliance with healthcare operator standards.
• Facil InformaticacoreTechnology or IntegrationTechnology partner providing the network search tool (facgeooplan.facilinformatica.com.br) for beneficiaries to find doctors, laboratories, and hospitals in the credenciado network. Also provides beneficiary portal (novowebplanoplan.facilinformatica.com.br).

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SulAmérica: Long-standing Brazilian health insurer now owned by Rede D'Or, offering corporate and SME health plans. Directly comparable product mix and corporate distribution model to Oplan.
• Unimed: National cooperative system of regional health insurers (singulares), each operating as an Operadora de Saúde with its own provider network. Closely mirrors Oplan's regional operator model and competes in the same RJ geographies.
• Bradesco Saúde: Health insurance arm of Bradesco Seguros distributed via bancassurance to corporate clients nationwide. Represents the type of large-scale corporate plan competitor Oplan faces in the PME segment.
• Golden Cross: Brazilian health plan operator serving individual and corporate segments through owned and credenciado networks. Most analogous peer in size and product breadth to Oplan.
• Care Plus: Brazilian premium-segment health insurer owned by Bupa, targeting corporate and high-end SME accounts. Comparable operator-of-plans business model with differentiated positioning.
• Porto Seguro Saúde: Health insurance arm of Porto Seguro group, serving corporate and SME clients with similar plan products. Comparable distribution and target customer profile to Oplan's Master Digital and PME offering.
• Hapvida NotreDame Intermedica: Brazil's largest vertically integrated health plan operator with an extensive owned hospital network. Closely mirrors Oplan's operator-plus-hospital model at vastly greater scale, making it the most directly comparable peer.
• Amil: Major Brazilian health insurer owned by UnitedHealth Group, serving corporate and individual customers nationwide. Competes with Oplan for the same SME and corporate health plan segment.

Broad incumbents

• Rede D'Or São Luiz: Largest hospital network in Brazil and owner of SulAmérica. Provides hospital services across RJ and competes with Oplan at the infrastructure layer while also owning a major health plan competitor.

Regional players

• Unimed Costa Verde: Regional Unimed cooperative franchise serving Costa Verde and adjacent RJ municipalities. Direct competitor in Oplan's home geography with similar cooperative-style provider network model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 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 Oplan - Todos os direitos reservados.