It is a benefit provided by the company to give employees access to medical, hospital, and lab services, promoting health and well-being.

Usually, you can contract a plan starting with 3 lives, but this may vary depending on the insurer and plan type.

Registered employees (CLT) and, in some cases, their dependents such as spouses and children.

In a co-pay plan, employees pay a small part of the services used. In a no co-pay plan, the company covers the full fixed cost of the plan.

Yes! Group health insurance covers urgent and emergency care throughout Brazil.

Yes! With plans that include reimbursement, you can consult doctors outside the network and get reimbursed according to policy terms.

It depends on the negotiation. Some insurers waive waiting periods for groups above a certain size; in other cases, waiting times apply to specific procedures.

No. The company may choose to cover the full amount, split the cost with employees, or offer the insurance as an optional benefit.

Adjustments are made annually and consider plan usage (claims ratio), changes in medical costs, and possible age group shifts among insured members.

Fill out the quote form, send in your company and employee information, and receive personalized proposals with support from our specialized team.