Case Study: ~R$50,000/Year Saved on Corporate Health Insurance
A real, verifiable 2026 migration for a ~100-employee company in Guarulhos, São Paulo — with zero coverage gap.
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In 2026, a fragrance retail franchise in Guarulhos, São Paulo, with approximately 100 employees, was paying around R$48,000 per month for its corporate health plan and wanted a cost review to check whether that price was in line with the market. Kingdom structured a comparative analysis, and the company migrated from NotreDame Intermédica to Amil — cutting its cost by roughly R$50,000 per year, adding free dental coverage for all employees and dependents, and completing the transition with zero coverage gap.
The Situation
The company wasn't necessarily unhappy with its existing operator — it wanted a cost review to check whether the price it was paying was aligned with the market. That's a distinct and common starting point: not "our plan is bad," but "are we sure this is a fair price."
How the Migration Happened
Kingdom structured a comparative analysis against the company's existing terms with NotreDame Intermédica. The resulting proposal from Amil came in with a lower cost and an added free dental benefit for employees and dependents. The company migrated with the transition process built to avoid any period without coverage. No cancellation penalty applied, but the company chose to honor the contractual notice period with its previous operator rather than cancel immediately.
What This Case Shows in Practice
- A cost review doesn't require the company to be unhappy with its current plan — it's a legitimate check on its own.
- Migrating operators does not have to mean a gap in coverage for employees.
- A lower price and better terms (in this case, added dental coverage) can happen in the same move.
- Honoring a contractual notice period, even without a penalty for skipping it, is a reasonable choice some companies make.
Questions to Ask About Your Own Plan
- Has your plan's price been reviewed against the current market recently?
- What is your claims ratio, and how has it moved over the last renewal cycles?
- What would a migration actually look like for your group size and complexity?
- What notice-period terms apply to your current contract?
About Kingdom Broker Brazil
Kingdom Broker Brazil is a licensed insurance brokerage (SUSEP 222136795, CNPJ 18.951.638/0001-73) based in São Paulo, specializing in corporate health insurance for companies with 100 or more employees in Brazil.
Frequently Asked Questions
How much did the company save?
Roughly R$50,000 per year, after previously paying about R$48,000 per month.
Was there a cancellation penalty?
No, but the company chose to honor its contractual notice period regardless.
Is free dental coverage standard in a migration?
No — it depended on the specific terms negotiated in this case, not a guaranteed outcome.