Insurance in Brazil, explained
Straight answers to the questions foreign companies and expats ask us every day — written by a licensed Brazilian broker, since 1998.
How to Choose the Right Health Insurer in Brazil
The best health insurer in Brazil is not the most famous one — it is the one with a strong network where your team lives and works. Here are the criteria that actually matter.
Health insuranceFamily Health Plans in Brazil: What to Check Before You Buy
Network near home, segmentation, room type, waiting periods and ANS-capped adjustments. Here is what to check before buying a family health plan in Brazil.
Health insuranceHealth Plan Copayment in Brazil: Is It Worth It?
Copayment lowers your monthly premium but you pay a share each time you use the plan. Here is how it works in Brazil, the ANS rules, and when it actually pays off.
Property insuranceUnderinsurance in Brazil: The Mistake That Cuts Your Payout
Underinsurance is when the insured amount is lower than the real value of the asset. Understand Brazil's proportional rule and how to avoid receiving less at claim time.
Health insuranceCompany or Individual Health Plan in Brazil: Which One Makes Sense?
In Brazil, a company health plan is contracted through a CNPJ and generally costs less per person; individual plans have adjustments capped by the regulator. Here is how to choose — explained for foreign companies and expats.
Dental planIs a Company Dental Plan in Brazil Worth It?
For most companies operating in Brazil, yes: a corporate dental plan is the benefit with the widest reach at the lowest cost, with minimum coverage regulated by ANS. Here is what it covers and how to contract it.
Engineering insuranceEngineering Risk Insurance in Brazil: What It Covers and When Your Project Needs It
Engineering risk insurance is the all-risks policy that protects construction and installation projects in Brazil — from material delivery to handover. Here is what it covers and when contracts require it.
Health insuranceHow Much Does a Company Health Plan Cost in Brazil? What Actually Drives the Price
There is no single price for a company health plan in Brazil. The cost depends on how many people are covered, their ages, the hospital network, the region and the plan design. Here is how each factor works — explained for foreign companies and expats.
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