Setting Up Health Insurance When Opening a Brazil Office
A structured process, with zero coverage gap for employees — whether it's your first contract or a migration from an existing plan.
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Yes, it is possible to migrate corporate health insurance operators in Brazil without any period of missing coverage for employees. With proper planning, Kingdom synchronizes the end of the old contract with the start of the new one and issues new plan cards before the previous plan ends. The same structured process applies to a first-time contract for a newly opened Brazil office.
The Process, Step by Step
- Kingdom structures the proposal and confirms approval before any contract action is taken.
- A cutover date is set, synchronizing the end of the old contract with the start of the new one.
- Employees receive their new plan cards before the previous plan is terminated.
- Kingdom monitors the first months of the new plan to make sure the transition runs smoothly.
Timeline varies with company size and complexity, but typical planning involves several weeks before the cutover date.
When This Applies
This process is built for:
- Companies that have decided to migrate from a current operator
- A first structured contract for a newly opened office
- HR teams without prior experience running this kind of transition in Brazil
- Companies concerned about internal communication during the change
- Companies with employees currently under continuous medical treatment
This is not the right stage if your company has not yet decided whether to migrate — Kingdom can support that evaluation separately before committing to a timeline.
Pre-Migration Checklist
Information needed:
- Effective date of the current contract
- Notice-period clause in the current contract
- Employees currently under continuous treatment
- Deadline for internal communication to staff
Confirm before signing:
- Whether waiting periods already served will be credited
- Exact issue date for new plan cards
- Continuity of ongoing treatments
- Full transition timeline
Important: never cancel your current contract ahead of the planned cutover date.
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 implementation and migration for companies with 100 or more employees in Brazil.
Frequently Asked Questions
Can we migrate without a coverage gap?
Yes, with planning — Kingdom synchronizes the old contract's end date with the new one's start, and cards are issued before the old plan ends.
Do we lose waiting periods already served?
It's common to negotiate credit for time already served, but it depends on a specific agreement with the new operator — confirm it before signing.
How long does the process take?
It varies by size and complexity; typical planning runs several weeks before the cutover date.