Health coverage in Brazil

Although the Brazilian constitution provides for free and universal access to the public healthcare system, the unequal distribution of medical infrastructures and the saturation of hospitals lead nationals and expatriates to turn to the private sector. Keep in mind, though, that although the private sector offers a very high quality of care, its costs are also very high and require the purchase of additional health insurance.

Get a quote according to the length of your stay:

Health insurance for expats in Brazil

The health insurance system in Brazil
 

The Single Health System (Sistema Único de Saúde - SUS), established in 1988, guarantees all residents universal access, completely free of charge, to public health services and to private hospitals under agreement.

In order to benefit from this system, the insured person must follow a specific care pathway, always visiting a basic SUS unit (posto de saúde or clínica da família) as a first step, which may refer them to another doctor or hospital if necessary. Their health expenses will then be fully covered:

  • General practitioner and specialist consultations
  • Examinations and tests
  • Hospitalisation in an approved public or private sector centre
  • Medicines listed as essential and those supplied in hospital

Other health services provided by professionals or private establishments not covered by public-sector agreement, as well as most medicines, remain at the expense of the insured.

How to choose health insurance in Brazil: local or international?
 

In order to cover their remaining expenses and any care that is not reimbursed by the SUS, many Brazilians and foreign residents choose to obtain complementary solutions, including:

  • planos de saúde (health plans), which allow consultation within a local network of affiliated doctors and establishments;
  • cooperativas medicas (health co-ops), which allow members to access all care services provided by a single hospital in exchange for a contribution (or autogestão, when this solution is negotiated by a company for its employees).

Private health insurance plans, which cover the cost of care wherever it is provided, are less developed in the country. By opting for international insurance, however, residents in Brazil can benefit from extensive coverage and can be treated in the institution and health professional of their choice.

The cost of healthcare in Brazil

Liste exemple remboursements

GP CONSULTATION

A visit to a general practitioner will cost an average of R$600 (€110)

APRIL International up to 110 €*

Out-of-pocket expenses 0€**

SPECIALIST CONSULTATION

A visit to a specialist doctor will cost you about R$1,000 (€185)

APRIL International up to 185 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - MATERNITY

You'll need BRL 13,000 (€2,400) for a natural delivery with epidural (2 days in hospital)

APRIL International up to 2400 €*

Out-of-pocket expenses 0€**

Disclaimer

Reasonable costs of care in the private sector, APRIL International data 01/2022

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in Brazil

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Care in Brazil
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Choosing hospitals in Brazil
 

The SUS is tax-financed and implemented at the local level by each Brazilian municipality. This decentralisation leads to a strong inequality in the geographical distribution of the contracted institutions and their equipment.

In rural areas, some specialties are not even offered, and in the largest cities, where there is a high level of medical tourism, the waiting time for non-urgent hospitalisation can be several months.

To benefit from high-quality care and rapid treatment similar to European standards, Brazilians and expatriates in Brazil turn to the private sector as soon as they can. It is in these health facilities that they are also most likely to find professionals who speak their language.

Titre phone establishment list
Health facilities

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Emergency numbers in Brazil

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Medical emergencies
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Fire department
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Federal police
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A broad care network in South America

APRIL International has an extensive network of hospitals, clinics, and healthcare providers where you can benefit from direct billing services and high quality care in Brazil and across the world.

To find your nearest health professional or partner establishment in just a few clicks, go to your Easy Claim application.

Services group
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FLEXIBLE PROTECTION
Description
Reimbursement of health expenses from the first euro/dollar, including in private hospitals
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TRAVEL WITH PEACE OF MIND
Description
Coverage in Brazil, or even in other countries
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OPTICAL & DENTAL
Description
Reimbursement of optical and dental care (option)
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UNLIMITED TELEMEDICINE SERVICE
Description
A free medical telemedicine service available 24/7 anywhere in the world
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Title
MEDICAL TRANSPORT
Description
Repatriation assistance included in your benefits
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DIRECT BILLING
Description
In the event of hospitalisation, you pay nothing out of pocket

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