Strategy and Competitive Advantages


Health Care Plans

Our health care plans in the individual/family and corporate categories are sold in all states of Brazil. We prefer to sell our health care service in cities in which we have our own service network.

We seek new clients that are large regional and/or nationwide companies that have at least 70% of their employees located in cities in which we have our own service infrastructure. We believe that only by operating under this model we can succeed in providing quality services at low costs.

Our clients are divided in two major categories: retail and corporate. Our retail category has a team of sales managers in charge of the relationship with our sales representatives operating in the retail segment. These sales representatives have sales targets for individual/family plans, adhesion group plans and corporate plans for companies with up to 99 beneficiaries. Our experience shows that retail clients have similar profiles, especially clients of individual, adhesion group and small company plans. The corporate category focuses on large companies with at least 100 employees and that already have a more structured human resources department, including an in-depth analysis of companies of the sector.

Our sales network consists of brokers who focus on medium and large corporate clients, and sales representatives who focus on small corporate clients and individual clients. In order to motivate and direct them, their compensation is calculated as follows: (i) brokers who work for large brokerage and sales companies, receive a variable percentage on the total amount of executed agreements for their duration, as brokers add value and intelligence to the management of these clients; and (ii) sales representatives who operate in a less sophisticated market, receive fixed commissions based on the monthly fees of beneficiaries.

We also adopt a certification policy for our sales representatives. According to this policy, the greater the number of sales, the lower the number of cancelations (client loyalty) and the lower the level of default of beneficiaries, the better the rating of our representatives. Our certification has four ratings: Diamond, Gold, Silver and non-rated. Sales commissions range from 2.3 times to 3.2 times the amount of monthly fees, according to the rating of sales representatives.

Additionally, we have a sales team called Adesão. This team is focused on selling our plans to the relatives, neighbors and friends of the beneficiaries of our portfolio in order to expand our operations.

We aim to keep our clients satisfied and loyal to our brand. Accordingly, we have a client relations area that focus on post-sales operations, meeting the demands of our beneficiaries and acting as an interface between us and final beneficiaries.

Dental Plans

Unlike our health care plans, considering the lower complexity of dental procedures and the availability of dentists in Brazil, our dental plans provide services exclusively through our accredited network, as we believe that this is better for our beneficiaries and generates more value for our shareholders. Our dental plans already cover all states in Brazil. As we obtain new clients, we seek to accredit more partner dentists to build a value chain among us, beneficiaries and dentists.

As of December 31, 2017, we had 1.7 million beneficiaries of exclusively dental plans and a network of more than 5,000 dentists located in Brazil. Through our technology and systems, we seek to foster the relationship between Hapvida, dentists and beneficiaries, always offering service options that are close to our clients and fit in the schedules of our dentists. Our beneficiaries can schedule appointments through our app, website or telephone. Dentists can access our system and check their schedules for the following days, organizing appointments and controlling their financial flow.

Similarly to our health care plans, we sell our dental plans through sales teams focused on the retail and corporate areas, independent brokers, sales representatives and alternative sales channels, called Affinity. Affinity sales are made through partners, including benefit clubs and/or mileage programs, such as KM de Vantagens of Rede Ipiranga.

The accreditation of dentists of our accredited network is based on the sufficiency of our network. We have a georeferencing software that identifies the number of dentist appointments of our Hapvida beneficiaries. When our network requires more dentists, we resort to our on-site team and call center operators to accredit service providers. We review our dentist data base and the recommendations of our accredited dentists. Then, we contact the relevant dentists by phone or pay them a visit to collect the documents required for accreditation. When we complete the accreditation process, the accredited dentist receives the training required to operate our systems and protocols. Finally, the dentist becomes available through our accredited network and beneficiaries can schedule their appointments through our app, website or call center.

Competitive Advantages

Our Exclusive Service Network

We believe that our units are equipped with state-of-the-art technology to provide quality services and ensure productivity. We seek to distribute our units in central areas with easy access to public transport in the cities in which we operate, facilitating the access to our services. In larger capital cities, we also prioritize units located in non-central areas, so that our beneficiaries do not have to travel long distances to be serviced. For example, in the city of Fortaleza, we have four hospitals, two emergency units, 14 clinics, 13 diagnostic imaging units and 12 collection units. In addition to high complexity hospitals, we have two specialty hospitals: Hospital Luis França, which is an exclusive pediatric hospital, and Hospital e Maternidade Eugênia Pinheiro, the first private hospital in the state of Ceará that is exclusively focused on women. Our clinics, diagnostic imaging units, emergency units and collection units are distributed in the city to provide quality and efficient services to our beneficiaries.


We innovate by offering an app to our doctors, which is a platform that allows them to review all laboratory and/or imaging results, increasing efficiency in their daily routine. We also have a dedicated team to review the surgical standards of our units through an analytics platform, with high speed data processing capability to identify any shortcomings in the main surgical procedures of our hospitals. We developed this platform internally to review treatment standards and related costs.

Unlike our competitors, we are the only health care company that has a fully electronic patient’s chart. We obtain information of each beneficiary of our own network, as every procedure requires biometric confirmation. Additionally, we already have IT platforms in place that obtain information of procedures performed at our accredited network for each beneficiary, which effectively allow us to have the patient’s history recorded in our systems. This innovation is a competitive advantage, as we are able to decrease the number of unnecessary test requests. It also assists us in making the right diagnosis and selecting the best treatment for our clients.

Our beneficiaries will also be able to interact with health care providers and have their follow-up appointment fully online through an app which is being tested in one of our hospitals. The initial appointment is made at the doctor’s office and, if a follow-up appointment is required, it can be made exclusively through our app.

Also, it is worth mentioning that our Board of Directors has two internal technical working groups focused exclusively on process optimization and the quality of our services, namely, the Preventive Medicine Committee and Protocols and the Hospital Quality and Supplies Commission.

 Other Products and Services

Our service units are primarily directed to the care of our beneficiaries. However, in some of our hospitals, we also offer services to other health plans or private clients which are served with the same quality of care as Hapvida’s beneficiaries.



Last updated at December 20, 2021.