Welcome to Care Plus Medicina Assistencial Ltda.

June 2025

Brazil provides universal healthcare through its public system, the Unified Health System (SUS). While urban areas generally offer adequate care, rural regions often face limitations. Nationwide, long wait times for non-emergency treatments and routine exams remain a significant challenge.

Consequently, employers in Brazil commonly offer private health and dental insurance as essential employee benefits. These supplemental plans are governed by the National Regulatory Agency for Private Health Insurance and Plans (ANS), which enforces a standard minimum level of coverage across all insurers. Although this ensures a baseline level of care, providers differentiate themselves through the quality and scope of their medical networks, including hospitals, clinics, and specialists, as well as the level of service and innovation they deliver to enhance the employee experience.

Private health insurance coverage has grown to cover approximately 25.8% of the Brazilian population in 2024. This increase is driven by demographic shifts, healthcare reforms, and growing demand for higher-quality care—particularly among the urban middle class. ¹

With global medical costs rising in double digits for three consecutive years, the 2025 Aon, MMB, and WTW medical trend rate reports project a gross medical trend rate increase in Brazil of between 12.2% and 12.9%, aligning with the global trend. As a result, also in Brazil, insurers are focusing on cost containment strategies, including preventive care programs and health management programs. ^{2, 3, 4}

We are excited to announce our partnership with Care Plus Medicina Assistencial Ltda. (Care Plus), the new IGP Network Partner for group health coverage in Brazil effective July 1, 2025. 

Care Plus is a premium healthcare provider in Brazil, offering a wide range of health and dental plans, medical and dental clinics, and occupational health services. With over 30 years of experience, Care Plus is known for its personalized and humanized approach to healthcare, serving more than 1,500 companies and over 600,000 beneficiaries across its various business lines. The company is committed to quality, innovation, and well-being, delivering tailored solutions that emphasize preventive care and a high standard of customer service.

Since 2016, Care Plus has been part of Bupa, a global healthcare group headquartered in the UK, which serves over 50 million beneficiaries in more than 190 countries. Bupa reinvests all its profits into its operations to continuously improve the quality of care for current and future customers.

Financial Highlights (2024)

• Revenue: BRR 2.588 billion (24% growth from 2023)
• Net Income: BRR 133 million (2% decrease from 2023)
• Claims Ratio: 75% (down from 78% in 2023)
• Net Promotor Score (NPS): 72 (Quality zone)

As global organizations continue to prioritize employee health and well-being, Care Plus stands out as a strategic partner for companies seeking high-quality, personalized care solutions in Brazil. Care Plus continues to advance its role as a trusted health partner by investing in innovation, sustainable practices, and personalized care—enhancing access, improving service delivery, and supporting the well-being of employees and their families.

A key milestone in 2024 was the launch of Blua, Care Plus’s exclusive digital health platform. Integrated into the company’s mobile app, Blua offers a suite of services including teleconsultations, wellness assessments, home exam scheduling, and access to personalized care programs. The platform quickly gained traction, with 29% of beneficiaries actively using it and satisfaction scores (NPS) reaching 92% among chronic patients.⁵

This digital leap was part of a broader investment in technology and data privacy, with Care Plus establishing a dedicated AI Governance & Ethics unit to ensure responsible use of artificial intelligence in healthcare. The company also adopted agile development practices to streamline operations and improve user experience across its digital channels.

To meet the growing demand for integrated care, Care Plus expanded its service portfolio through key acquisitions. In 2023, it acquired INPAO, a dental plan provider with nearly 60 years of experience, and Vacinar, a clinic specializing in human immunization. These strategic acquisitions significantly increased Care Plus’s scale and strengthened its pioneering position in health and well-being, enabling the company to triple in size and enhance its service capacity while remaining focused on its mission to help people live longer, healthier, and happier lives.

Care Plus aligns with Bupa’s global goal of achieving net-zero carbon emissions by 2040. Locally, the company has already reduced 150,000 kg of CO₂ emissions and conserved over 186,000 liters of water since 2020. Its LEED-certified headquarters in Barueri is one of the most sustainable office spaces in Brazil.

The company also led the Healthy Cities Challenge, a global wellness initiative that saw a 366% increase in participation in 2024. More than 1,600 employees, clients, and guests joined the challenge, collectively walking over 247 million steps.⁵

Care Plus continues to support a wide range of social initiatives, including breast cancer treatment for low-income women, cultural education programs in underserved communities, and emergency relief efforts in response to natural disasters.

Care Plus offers a growing portfolio of preventive and personalized care programs designed to support employees and their families at every stage of life:

• Personal System: Chronic disease management
• Mental Health: 24/7 psychological support
• Mommy Care: Pregnancy and maternity support
• Family Care: Guidance for families with special needs
• Teleconsultations, wellness check-ups, and nutrition services

These programs are designed to improve health outcomes, reduce absenteeism, and enhance the overall employee experience.

In 2024, Care Plus strengthened its governance framework with a focus on fraud prevention and compliance. The company launched the “Faça Pelo Mundo” campaign to raise awareness about fraud in the healthcare sector and continued its educational efforts through the “Trago Verdades” portal, which has received over 11,000 reports since its launch.

With a Net Promoter Score (NPS) of 72, Care Plus remains committed to delivering high-quality, humanized care while maintaining financial sustainability and ethical integrity.⁵

• Care Plus Soho: 10 to 29 life plans

  Care Plus SoHo presents plans for small businesses, from 10 to 29 lives and is suitable for those who work from home or with leaner operations.

  • Special III plan:
    • Complete coverage for medical consultations, exams, hospitalizations, among others.
    • Accredited network with health professionals, laboratories and referenced hospitals.
    • Refund with total agility and practicality through our website and app.
    • Cardiovascular Disease Prevention Program with a multidisciplinary health team.
  • Master I plan:
    • Health at Home: Home consultations with a general practitioner and paediatrician
    • Overseas travel assistance with coverage of up to $300,000 for the beneficiary and family.
    • Concierge: Team with personalized service that schedules appointments, exams, vaccinations, among others.
    • Telemedicine: Virtual consultations with the Albert Einstein Hospital team.
  • Care Plus Dental Plan
    • Coverage in all plans: Diagnosis, urgency, prevention, paediatric dentistry, dentistry, periodontics, endodontics, surgery, radiology, prosthesis (minimum list of procedures by ANS(National Regulatory Agency for Private Health Insurance and Plans)
    • Additional contractable coverages: orthodontics, complete prosthesis and implant
    • Different reimbursement multiples
    • Special dental network, Executive Dentistry and Master Dentistry
    • National coverage
    
    
• Clube Care Plus: plans from 30 to 200 lives

This product provides coverage at prestigious hospitals, laboratories, and clinics, and offers unique services that prioritize hospitality, efficiency, and a human-centered approach for both beneficiaries and HR managers. While some benefits mirror those of the Care Plus SoHo line, there are additional optional coverages available to further enhance the plan.

• Care Plus Empresarial: plans for more than 200 lives

  For companies with over 200 employees seeking a health plan with unique features and a management partner to ensure a healthy benefits package, Care Plus Empresarial is an excellent choice. This product offers numerous advantages focused on convenience, practicality, quality, and, most importantly, safety. Care Plus Empresarial beneficiaries experience a journey characterized by a high level of support and care. While some benefits are similar to those offered by Clube Care Plus, there is also the option to include additional coverages. Groups with more than 200 lives are eligible for inclusion in IGP. 

According to the 2025 medical trend rate reports from Aon, Mercer Marsh Benefits (MMB), and WTW, Brazil is expected to see a gross medical trend rate increase of between 12.2% and 12.9% in 2025, closely aligning with global projections. In this context, a strong focus on preventive care, cost containment strategies, and proactive health management is essential for employers seeking to manage rising healthcare costs while maintaining quality of care.

Care Plus stands out with a claim ratio of 75% in 2024, supported by a robust and integrated Health Management program that helps control medical inflation and improve employee well-being.⁵

Care Plus offers a comprehensive Health Management approach designed to enhance the well-being of employees and their families, and support companies in promoting a healthier workforce. The program includes:

• Preventive health programs: Initiatives focused on early detection and prevention of chronic conditions, encouraging healthier lifestyles.
• On-site corporate services: Access to doctors, nutritionists, nurses, and psychologists who provide care directly within the workplace.
• Online services: Remote access to health services with the same quality and care Care Plus is known for.
• Cardiovascular disease prevention program: Consultations with multidisciplinary teams—including physicians, nutritionists, and psychologists—at Care Plus clinics.
• Exclusive benefits: Discounts on healthy food services and sports consulting, tailored to support long-term wellness.
• Humanized care: A strong emphasis on empathy, personalized attention, and building close relationships with beneficiaries and corporate partners.

• Trusted expertise in the Brazilian market
  With over three decades of experience and a portfolio serving more than 1,500 companies and 600,000 beneficiaries, Care Plus is a recognized leader in the premium healthcare segment in Brazil. Its deep understanding of local healthcare dynamics makes it a reliable partner for multinational organizations operating in the region.
• Global standards, local expertise
  As part of the Bupa Group—serving over 50 million people in more than 190 countries—Care Plus brings global healthcare standards to the Brazilian market.
• Comprehensive and flexible plan options
  Care Plus offers a wide range of health and dental plans tailored to companies of all sizes—from startups to large enterprises. Plans include optional coverages such as reproductive health, aesthetic dermatology, and advanced dental care, allowing HR teams to customize benefits that meet diverse employee needs.
• Innovative digital health ecosystem
  The Blua digital platform empowers employees to manage their health with ease—offering teleconsultations, wellness assessments, home exam scheduling, and access to care programs. Backed by strong data privacy and AI governance, Blua enhances the employee experience while supporting organizational health goals.
• Proactive health management programs
  Care Plus goes beyond traditional insurance by offering integrated health management services. These include on-site and virtual care, chronic disease prevention, mental health support, and wellness coaching—helping reduce absenteeism and improve workforce productivity.
• Commitment to ESG and social responsibility
  Aligned with Bupa’s global sustainability goals, Care Plus is actively reducing its environmental footprint and investing in community health initiatives. From carbon reduction to social impact programs, the company supports employers’ broader ESG commitments.
• Commitment to exceptional service and satisfaction
  With a Net Promoter Score of 72 and a strong focus on humanized, high-touch service, Care Plus delivers a consistently positive experience for both HR teams and employees. Dedicated concierge services, personalized support, and a culture of empathy set Care Plus apart in the market.