Best health plans to hire in 2022. Every beginning of the year is marked by goals and objectives that seek to improve the quality of life and even change habits.
Among the most common, purchasing a health plan is at the top of the list.
According to a survey carried out in 2021 by the National Association of Benefit Administrators (ANAB). 17.7% of Brazilians consider the health plan as the most important achievement. Behind only the achievement of owning a home, with 43.4%.
In this sense, it is essential to know the main options available in the market and to know how they can serve you to guarantee excellent service coverage and access to health.
With that in mind, we’ve developed a list of the best health plans to hire in 2022.
So that you are not left out and can choose a quality health plan to have more medical care. We have prepared a list of the 7 best operators evaluated by the National Health Agency (ANS).
Table of Contents
What is the best health plan in 2022?
To choose or know the ideal agreement among the best health plans, it is always advisable to seek information.
To do this, you can look at the assessments of the Supplementary Health Performance Index (IDSS) developed by the National Supplementary Health Agency (ANS) or look for reviews from people who are already customers of Reclame Aqui.
In addition, having a health plan broker, such as Zelas Saúde. An example can help you understand which health plan is best for you. After all, your needs may differ from other people’s needs.
Below, we list the 7 best health plans according to the ANS and Reclame Aqui notes and the availability of extra services for beneficiaries. Are they:
- Unimed National Center;
- Bradesco Health;
- Amil;
- NotreDame Intermédica Group (GNDI);
- Porto Seguro Health;
- SulAmérica Health;
- Allianz Health
1. Unimed National Central
Central Nacional Unimed is certainly one of the best-known health operators on the national scene. When it comes to supplementary health and this makes its products among the best health plans on the market.
In addition, the company stands out for its wide referenced network and also for its own network. Which provides quality medical care to each beneficiary. In addition to the extra services it offers, such as pharmacy discounts, guidance during pregnancy, and cancer care, among others.
Unimed also stands out in terms of its flexibility in hiring and the wide variety of product offerings that fit any size of the company. Regardless of the number of employees, you will find a suitable plan to promote more health to your employees.
To meet the greatest variety and requirements of customers, Unimed sells premium health plans to basic plans. Which allows the potential beneficiary to choose a plan that includes more services or has more restrictions. Depending on their budget.
2. Bearded Saude
Bearded Saude is certainly one of the operators best evaluated by the ANS and stands out for the quality of its products. One of the factors that make Bradesco offer the best health plans on the market is ensuring broad access to hospitals. Reference laboratories in its accredited network.
It allows its beneficiaries to be treated by the best professionals in the country.
See more: Check out the 7 best health plans in 2023
To meet the greatest possible number of customer profiles, the operator offers six types of agreements. Ranging from the most basic to the most advanced plans. Covering greater coverage and service at reference centers.
Bearded Saude Efectivo
Bearded Saude is certainly one of the operators best evaluated by the ANS and stands out for the quality of its products. One of the factors that make Bradesco offer the best health plans on the market is ensuring broad access to hospitals. Reference laboratories in its accredited network.
It allows its beneficiaries to be treated by the best professionals in the country.
To meet the greatest possible number of customer profiles. The operator offers six types of agreements. Ranging from the most basic to the most advanced plans. Covering greater coverage and service at reference centers.
Bearded Saude Efectivo
Even though it is the most basic option in the health insurance portfolio. Bearded Saude Efetivo has outpatient and hospital coverage with obstetrics, covering complex exams, therapies, and clinical and surgical hospitalizations.
The Effective plan is serviced throughout the national territory and offers excellent reimbursement options.
3. Factor
The Amil health plan has been operating in the supplementary health market for over 28 years. It stands out for offering several categories of agreements and lines of plans that strategically meet each profile for each region.
Amil stands out for offering cost-effective corporate health plans, as well as easy hiring because its products are flexible and fit the most varied user profiles. Check the operator’s agreements below:
Amil Selected Line
In the intermediate category, Amil Linha Selected offers health plans with national coverage and several extra services included, such as telemedicine, pharmacy discounts, and others.
The coverage of assisted procedures is also broader and goes beyond the list of procedures established by the ANS.
Amil One
In the premium segment, the operator’s medical plans are sold through Amil One. Which has full coverage, with extra-role procedures services and various benefits, such as international assistance.
In addition, Amil One offers care in the main hospitals in the country and high reimbursements with uncomplicated processes.
4 . GNDI (Notre Dame Intermedica Group)
In fourth place among the operators that offer the best health plans is GNDI, Grupo NotreDame Intermédica. It is among the five largest supplementary health companies in Brazil. Stands out for the quality of its products, in addition to its longevity.
A great positive highlight of GNDI is the wide variety of lines of business health plans for any size of company that the operator sells. Guaranteeing differentiated coverage for premium category plans and also the option of choice for its customers.
Check out Notre-Dame health plans below:
GNDI Smart
In the most basic category, GNDI has Smart plans. The GNDI Smart 200, for example. Is a cost-effective option for those who cannot make large investments in private healthcare.
Despite being an entry-level medical plan. The Smart category has outpatient. Hospital coverage with or without obstetrics allows hiring with or without co-payment.
GNDI Advance
At a more advanced level, in the GNDI Advance 600 plan, patients can choose between ward or apartment accommodation. Have access to extra benefits.
Customers in this category also enjoy larger refunds. Which gives them more peace of mind when consulting outside the accredited network.
South America Saudi
Although the SulAmérica health plan occupies the sixth position in our ranking. The operator is one of the oldest in the country and is among the five largest in the country in terms of the number of beneficiaries, being the largest independent health operator, the one that has no connection with Financial institutions.
The great advantage of this operator in relation to the others is that all the health plans sold have national coverage. The beneficiary can enjoy a wide accredited network, in addition to differentiated services.
7. Allianz Health
Allianz is an insurance company that has been operating in the market for 125 years. She is a great solution for small businesses and their health plans can be hired from 3 lives.
The operator’s focus is to sell business agreements. Offer regional and national medical assistance. In addition to developing programs that encourage its beneficiaries to have a healthy lifestyle. Promoting physical and mental well-being.
Allianz health plans are ideal for small and medium-sized companies that want to offer benefits to their employees.
The agreements range from premium categories. Which offer greater coverage and services, to more economical categories, which offer fewer services, but still excellent coverage.
Check out the operator’s plans below:
Allianz Essential
Even though it is the operator’s simplest option, Allianz Essential is one of the most complete entry plans on the market in terms of coverage of procedures.
One of its biggest advantages is the coverage of bariatric surgery. Which in some cases is not even found in the most complete options of the operators, in addition to other benefits.
Allianz Complete
Coming close to a premium plan, Allianz Completo also offers full coverage of procedures and reimbursements of up to BRL 270.00 for consultations.
In addition, this category also serves surgical procedures and other extra-role services. Such as sending a medical team and ambulance for care or removal.
Exclusive Allianz
As a premium option, the operator offers the Allianz Exclusivo plan. Which guarantees medical care and backup at the Albert Einstein and Sírio-Libanês hospitals.
Benefits such as international travel insurance, refunds within 2 business days, executive checkups, and others are also available to plan beneficiaries.
Allianz Health Rating
Another relevant factor is the assessment by the ANS, which attests to the quality of services provided by Allianz. Which makes its products the best health plans to hire in 2022.
According to the agency, the operator’s average is 0.73 out of 1, which means a good grade.
In turn, in Reclame Aqui, Allianz was rated at 6.8, a grade considered regular by the platform. Despite the regular rating, the operator responded to 99.9% of complaints. Being the operator with the highest percentage of responses on this list and resolving 72.2% of them.
After all, how to hire the ideal health plan?
Knowing which is the best health plan can be somewhat relative. But one of the biggest indicators is the coverage and services it includes.
Therefore, the more complete it is and offers good value for money. The greater the accreditation and recognition that the operator has. The better your experience with the agreement.
Generally, good health plans have a wide accredited network and highly trained professionals. Because the idea of hiring a health plan is to have more security and agility when having medical assistance.
Now that you know the 7 best operators and the best health plans for 2022. It’s time to do a free simulation and find the ideal health plan for you, your family, and your employees.
To do so, simply access our website and request a quote. One of our health plan specialists will contact you through an exclusive and personalized service.
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