Health insurance · Brazil
Premium health insurance in Brazil, explained in English
Brazil has world-class private healthcare, if you pick the right plan. These are the three premium insurers our international clients choose, compared honestly by a licensed local broker.
Get my health plan quoteOmint
- ✓Access to Brazil's reference hospitals, including Hospital Israelita Albert Einstein and Sirio-Libanes, on its top lines.
- ✓High reimbursement standards for free choice of doctors, including physicians who do not take insurance directly.
- ✓International coverage options available on premium lines, useful if you split your time between countries.
- ✓Concierge-style member service, recognized among the most exclusive plans in the country.
Care Plus
- ✓The Brazilian arm of Bupa, which serves millions of members worldwide: a familiar standard if you come from Europe or Asia.
- ✓Premium corporate and family plans with access to top-tier hospitals and diagnostic centers.
- ✓Strong preventive care and wellbeing programs, in line with international group practices.
- ✓A natural fit for executives whose employers already work with Bupa in other countries.
Amil Black
- ✓Amil is one of the largest health insurers in Brazil; Black is its unified premium line since 2026.
- ✓Access to reference hospitals and, according to the insurer, international emergency coverage on top plans.
- ✓Exclusive member spaces inside partner hospitals and premium telemedicine services.
- ✓Often the strongest cost-benefit inside the premium segment, especially through a company contract.
Coverage, hospital access and eligibility depend on the specific line, city and contract type. Everything above is confirmed in writing in your personalized quote. Prices are always individual: premium plans in Brazil are quoted case by case.
Same price as going direct, with a broker included
In Brazil, insurers pay the broker, so our comparison, paperwork and lifetime support in English cost you nothing extra. You pay the same premium and gain someone on your side for claims, reimbursements and renewals.
FAQ
Health insurance questions from expats
Which health plan gives access to Hospital Albert Einstein?+
In the premium segment, lines from Omint, Care Plus and Amil Black offer access to Einstein and other reference hospitals, always depending on the specific plan and contract. We confirm hospital-by-hospital access in your quote, in writing, before you sign.
Do I need a CPF to sign up?+
In most cases, yes. The CPF is the Brazilian tax ID and insurers use it for registration. Getting one is usually straightforward for residents, and we guide you through it as part of the process.
Individual contract or through my company?+
If you have a Brazilian company (CNPJ) or your employer contracts locally, group plans usually unlock better pricing and acceptance rules than individual contracts. We compare both paths for you.
Are pre-existing conditions covered?+
Brazilian regulation allows insurers to apply temporary partial coverage (CPT) of up to 24 months for declared pre-existing conditions, and group contracts above certain sizes may waive waiting periods. We explain exactly how the rules apply to your case before you commit.
How long do waiting periods last?+
By law (ANS rules), the maximum waiting periods are 24 hours for emergencies, up to 180 days for most procedures and up to 300 days for childbirth. Many premium and corporate contracts reduce or waive these; we negotiate this in your quote.
Compare the premium plans for your profile
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