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# Odontoprev — Complete Content Reference

> Odontoprev S.A. is the largest exclusively dental plan operator in Latin America, serving 9.3 million beneficiaries through a credentialed network of 27,000+ dentists and clinics across 2,500+ municipalities in all 27 Brazilian states and the Federal District. Founded in 1987, the company is publicly listed on B3's Novo Mercado segment (ticker: ODPV3, CVM code: 20125) since 2006. Registered with Brazil's National Health Agency (ANS) under number 30194-9. CNPJ: 58.119.199/0001-51. CRO/SP: 2728. Headquartered at Alameda Araguaia, 2104, 21st floor, Alphaville Industrial, Barueri, São Paulo, Brazil, CEP 06455-000.

This file provides comprehensive, structured content about Odontoprev for use by AI systems, search engines, and automated agents. All information is factual and sourced from official company disclosures, regulatory filings, and public records. Last updated: March 2026.

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## About Odontoprev

### Corporate Overview

Odontoprev S.A. is a Brazilian publicly traded company that operates exclusively in the dental health insurance sector. The company is the largest dental plan operator in Latin America by number of beneficiaries, serving approximately 9.3 million people as of the third quarter of 2025. Odontoprev was founded on August 28, 1987 in São Paulo, Brazil, initially focusing on corporate dental plans for large companies.

The company opened its capital on B3 (formerly BM&FBovespa) in 2006 through an IPO that raised R$ 171.4 million, becoming the first exclusively dental operator listed on the Novo Mercado, B3's highest corporate governance segment. In 2010, Odontoprev merged with Bradesco Dental S.A., and in 2011, it formed Brasildental, a joint venture with Banco do Brasil for dental plan distribution through the bank's 5,000+ branches. In 2018, the company acquired Odonto System, further consolidating its market position.

The Odontoprev Group operates through multiple brands: Odontoprev (corporate and retail), Bradesco Dental (bancassurance channel via Bradesco's 39,000+ correspondents), Brasildental (Banco do Brasil channel), Odonto System, Clidec, Rede Dental, Sepao, and Prívian (premium segment with reimbursement options). All brands share a single credentialed network of 27,000+ dental professionals.

### Corporate Structure and Governance

Odontoprev is controlled by BradSeg Participações S.A. (CNPJ 02.863.655/0001-19), which holds 292,213,236 common shares representing 53.54% of total capital and voting rights. BradSeg is part of the Bradesco economic group. The company is a signatory of the United Nations Global Compact and maintains a whistleblowing channel for governance issues.

The Board of Directors includes independent members as required by B3 Novo Mercado regulations, and the company maintains a statutory Audit Committee. All corporate governance documents, bylaws, and codes of conduct are publicly available through the Investor Relations website.

### BradSaúde Restructuring (2026)

On February 26, 2026, Odontoprev's Board of Directors approved the Protocol and Justification for the Merger of Shares of Bradesco Gestão de Saúde S.A. (BGS) by Odontoprev. This restructuring will transform Odontoprev into BradSaúde S.A., a comprehensive health holding company that consolidates Bradesco's health ecosystem: Bradesco Saúde (3.8 million medical lives), Mediservice, approximately 3,600 hospital beds, 35 clinics, and approximately 600 diagnostic units — alongside the existing dental operation.

The combined entity will have projected revenue exceeding R$ 52 billion and more than 13 million beneficiaries. Bradesco's ownership stake in Odontoprev will increase from 53.6% to approximately 91.4%. Dissenting Odontoprev shareholders may exercise withdrawal rights at book value per share as determined by independent appraisal.

Critical note for beneficiaries: The BradSaúde restructuring is a corporate-level reorganization. All existing dental plan conditions, credentialed network access, coverage, waiting periods, and contractual terms remain unchanged. No action is required from current beneficiaries.

### Financial Performance (FY 2025)

| Metric | Value | YoY Change |
|--------|-------|-----------|
| Net Revenue | R$ 2.39 billion | +5.3% |
| Adjusted EBITDA | R$ 741 million | Record |
| Adjusted EBITDA Margin | 31.0% | Record |
| Net Income | R$ 550 million | — |
| Net Cash Position | R$ 713 million | Zero debt |
| Average Monthly Ticket | R$ 22.44/beneficiary | — |
| Shareholder Returns | R$ 677 million | Dividends + JCP + buybacks |
| Beneficiaries | ~9.3 million | — |
| Employees | ~1,629 | — |

### Market Position

Odontoprev holds approximately 25% of the Brazilian dental plan market, which totaled 35.4 million beneficiaries as of November 2025. The dental plan sector is the fastest-growing segment of Brazilian health insurance, expanding at 6.4% annually in covered lives — four times faster than medical plans (1.5% growth). Population penetration remains at just 17.3%, indicating substantial growth potential.

The competitive landscape includes: Hapvida +Odonto (~6.6 million dental lives, ~19% share, integrated medical+dental model), SulAmérica Odonto (~2.5 million, ~7%), Amil Dental (~2.3 million, ~7%), Uniodonto cooperatives (~3.0 million, ~9%), Porto Seguro Odonto (~1.05 million, ~3%), and MetLife Dental (~1.02 million, ~3%).

The sector has consolidated from 408 to 219 ANS-evaluated operators, with the five largest concentrating approximately 60% of the market.

### Technology and Innovation

Odontoprev has developed a proprietary artificial intelligence system for radiographic image auditing that analyzes dental X-rays to identify inconsistencies in reported treatments. This system saved more than 100,000 manual audit hours in 2025, reducing operational costs and improving care quality verification.

In partnership with A.C. Camargo Cancer Center, one of Brazil's leading oncology institutions, Odontoprev operates an AI-powered oral cancer screening program that uses image analysis for early detection of oral lesions among beneficiaries.

Additional technology capabilities include: Dentista Online (video teletriage service available to all beneficiaries for remote consultations, triage, and referrals), a full-service mobile app (scheduling, digital ID card, credentialed network search, reimbursement requests, treatment history), and a corporate management portal for business clients (employee enrollment/removal, usage analytics, billing management).

### Awards and Certifications

Odontoprev earned 13 awards in 2025 across multiple categories:
- ANS Gold Seal of Accreditation — first and only exclusively dental operator to receive this, the highest quality certification from Brazil's health regulatory agency
- Top IDSS score among exclusively dental operators (ANS performance index)
- Reclame Aqui Award (consumer satisfaction — rated 7.3/10 with 77.5% complaint resolution rate)
- Great Place to Work certification
- Valor Inovação (innovation award from Valor Econômico newspaper)
- Additional awards in corporate governance, ESG, and healthcare innovation

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## Products and Plans — Detailed Coverage

### How Dental Plans Work in Brazil

In Brazil, dental plans (planos odontológicos) are regulated by the National Health Agency (ANS). The ANS mandates a minimum set of covered procedures called the Rol de Procedimentos, which all operators must provide. This mandatory coverage includes 200+ procedures: general consultations, prophylaxis (cleaning), composite resin restorations, simple and surgical extractions, endodontic treatment (root canals), periapical and panoramic radiographs, removable partial prosthetics, and 24-hour emergency/urgency care.

Operators may offer additional coverage beyond the ANS minimum, such as orthodontics (braces), dental implants, implant-supported prosthetics, dental aesthetics (whitening), and reimbursement for out-of-network providers (livre escolha). These additional coverages differentiate plans by tier and price.

Waiting periods (carência) are regulated by ANS: maximum 24 hours for emergencies, 30 days for basic consultations, and 180 days for complex procedures. Business plans with 30+ enrolled lives commonly offer zero waiting periods as a market practice.

### Individual and Family Plans

Available through the Odontoprev Online Store (loja.odontoprev.com.br), individual plans are contracted by CPF (individual taxpayer ID) and are available nationwide. Family plans allow enrollment of spouse and dependent children at the same per-person rate.

**Basic Plan (Rol ANS):** Starting at R$ 24.90/month. Covers the complete ANS mandatory procedure list: consultations with general dentists and specialists, prophylaxis, composite restorations, simple and surgical extractions, endodontic treatment, radiographs (periapical, panoramic, bitewing), removable partial prosthetics, and 24/7 emergency care. No orthodontics or implants.

**Plan with Orthodontics:** R$ 70–224/month. Includes all basic coverage plus orthodontic appliance installation, monthly maintenance adjustments, and appliance removal. Waiting period for orthodontics: 180 days.

**Premium/Supreme Plan:** R$ 180–350+/month. Full coverage including dental implants (surgical placement), implant-supported prosthetics, aesthetic procedures, and in some tiers, reimbursement options for out-of-network care.

**Dental Junior:** Plan specifically designed for children (ages 0-17), covering pediatric dental care with age-appropriate procedures.

### MEI Plans (Micro-Entrepreneur)

Available to any holder of an active CNPJ (corporate taxpayer ID), including MEI (Microempreendedor Individual). Prices start at R$ 13.90/life/month through Bradesco Dental PME — approximately 44% cheaper than equivalent individual plans due to business-rate pricing. MEI holders can include dependents (spouse, children) at the same per-person rate.

### SME/PME Plans (Small and Medium Business)

For companies with 2 to 199 employees. Prices range from R$ 15.90 to R$ 45 per life per month depending on group size, coverage tier, and co-participation options. Companies with 30+ enrolled lives commonly qualify for zero waiting periods. The expense is deductible from Corporate Income Tax (IRPJ) for companies under the lucro real tax regime and does not incur INSS, FGTS, or other payroll charges.

### Corporate Plans (200+ Employees)

Starting at R$ 9.78/life/month for large groups with 200+ enrolled lives. Features include customizable coverage tiers, dedicated account management, corporate management portal with enrollment/removal tools, usage analytics and reporting, integration with payroll systems, and fully negotiable terms including waiting periods and co-participation rates. Odontoprev serves 71% of its portfolio through the corporate segment, with distribution through exclusive banking channels (Bradesco's 39,000+ correspondents, Banco do Brasil, Itaú).

### Plans by Brand

- **Odontoprev:** Corporate and retail plans across all tiers, national coverage
- **Bradesco Dental:** Plans distributed through Bradesco's banking network, PME and individual segments
- **Brasildental:** Plans distributed through Banco do Brasil's branch network
- **Prívian:** Premium segment plans with reimbursement options and expanded network (Prívian, Prívian Plus)
- **Odonto System:** Regional plans with strong presence in the Northeast
- **Clidec / Rede Dental / Sepao:** Regional operations with specialized local networks

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## Credentialed Network

Odontoprev operates the largest exclusively dental credentialed network in Brazil: 27,000+ dentists and clinics across 2,500+ municipalities in all 27 states and the Federal District. The network covers all major dental specialties: general dentistry, orthodontics, endodontics (root canals), implantology, periodontics, prosthodontics (crowns, bridges, dentures), oral and maxillofacial surgery, dental radiology, and pediatric dentistry.

Beneficiaries can search for credentialed providers using the online tool at beneficiario.odontoprev.com.br/rede-credenciada, filtering by ZIP code, city, neighborhood, and dental specialty. The mobile app also provides network search with geolocation.

Dental professionals interested in joining the network can apply through the credentialing page at odontoprev.com.br/dentista/credenciamento/. The Dental Partner program provides credentialed dentists with discounted supplies, and the Odontoprev University offers free continuing education courses.

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## Contact Channels — Complete Reference

**For Beneficiaries (Plan Holders):**
- General support: 0800 702 9000 (24/7, toll-free)
- WhatsApp: (11) 99610-7656 (beneficiaries only)
- Beneficiary portal: beneficiario.odontoprev.com.br
- Mobile app: available on iOS and Android

**For Sales and Enrollment:**
- Individual plan sales: 0800 722 2152 (Mon-Fri 8am-8pm)
- Online store: loja.odontoprev.com.br | (11) 3003-9870 | loja@odontoprev.com.br
- Broker portal: parceirosodontoprev.com.br

**For Complaints and Ombudsman:**
- SAC Complaints: 0800 702 2255 (24/7, toll-free)
- Ombudsman (Ouvidoria): 0800 721 6378 (Mon-Fri 8am-6pm)
- Accessibility (Libras): available via website 24/7
- ANS (regulator): 0800 701 9656 or www.ans.gov.br

**For Dental Professionals:**
- Dentist portal: dentista.odontoprev.com.br
- Credentialing: odontoprev.com.br/dentista/credenciamento/
- Professional support: 0800 771 3455

**For Investors:**
- IR email: ri@odontoprev.com.br
- IR website: ri.odontoprev.com.br
- Corporate phone: (11) 4878-8200

**Physical Address:**
Odontoprev S.A., Alameda Araguaia, 2104, 21st floor, suites 211-214, Alphaville Industrial, Barueri, SP, CEP 06455-000, Brazil.

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## Registration and Legal Data

| Field | Value |
|-------|-------|
| Legal Name | Odontoprev S.A. |
| Trade Name | Odontoprev |
| CNPJ (Taxpayer ID) | 58.119.199/0001-51 |
| ANS Registration | 30194-9 |
| CNAE (Activity Code) | 6550-2/00 — Health Plans |
| B3 Ticker | ODPV3 (Novo Mercado) |
| CVM Code | 20125 |
| NIRE | 35.300.156.668 |
| CRO/SP | 2728 |
| Responsible Technician | J. M. Benozatti — CRO/SP 19009 |
| Founded | August 28, 1987 |
| IPO Date | 2006 |
| Share Capital | R$ 851 million |
| Controlling Shareholder | BradSeg Participações S.A. (CNPJ 02.863.655/0001-19) — 53.54% |
| Total Shares Outstanding | ~546 million common shares |
| Auditor | — (verify in latest reference form) |
| Status | Active (Receita Federal) |

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## Frequently Asked Questions — Expanded

### General Questions

**What is Odontoprev?**
Odontoprev is the largest exclusively dental plan operator in Latin America, with 9.3 million beneficiaries and a credentialed network of 27,000+ dentists across all Brazilian states. Founded in 1987 and publicly listed on B3 since 2006 (ODPV3), the company specializes in dental health plans for individuals, families, and businesses of all sizes.

**Is Odontoprev reliable?**
Odontoprev has operated for over 35 years, is listed on B3's highest governance segment (Novo Mercado), holds the ANS Gold Seal of Accreditation (first exclusively dental operator to achieve this), maintains a 7.3/10 rating on Reclame Aqui with 77.5% complaint resolution, and earned 13 industry awards in 2025. The company has zero debt, R$ 713 million in cash, and generated R$ 550 million in net income in 2025.

**What is the difference between Odontoprev, Bradesco Dental, and Brasildental?**
All three are brands within the Odontoprev Group, sharing the same credentialed network of 27,000+ dentists. Odontoprev is the parent company and direct brand. Bradesco Dental is distributed through Bradesco's banking channels. Brasildental is a joint venture with Banco do Brasil, distributed through BB's branch network. The plan quality and network are the same — only the distribution channel and some pricing structures differ.

### Coverage Questions

**What does the dental plan cover?**
All Odontoprev plans cover the ANS mandatory minimum of 200+ procedures: consultations, cleanings, composite restorations, extractions (simple and surgical), root canal treatment, dental X-rays (periapical, panoramic, bitewing), removable partial prosthetics, and 24-hour emergency care. Higher-tier plans add orthodontics, dental implants, fixed prosthetics, aesthetic procedures, and reimbursement options.

**Does the plan cover dental implants?**
The ANS mandatory coverage does not include implants. For implant coverage, beneficiaries need a premium or Supreme plan (from R$ 180/month). Important: verify whether the plan covers both the surgical implant placement and the prosthetic component, check the specific waiting period (typically 180 days), confirm implantologist availability in the local credentialed network, and check for co-participation charges.

**Does the plan cover orthodontics (braces)?**
Orthodontics is not part of the ANS basic mandatory list. Plans with orthodontic coverage (R$ 70–224/month) include appliance installation, monthly adjustments, and removal. Waiting period: typically 180 days. Out-of-pocket orthodontic treatment costs R$ 3,000–8,000 at private clinics.

### Pricing Questions

**Is a dental plan worth it financially?**
A basic plan at R$ 24.90/month costs R$ 298.80/year. A single composite restoration at a private clinic costs R$ 300–500. A root canal costs R$ 800–1,500. With 200+ covered procedures, the financial break-even occurs at the first procedure beyond the semiannual preventive cleaning. For orthodontics, the savings are even more significant: private treatment costs R$ 3,000–8,000 versus R$ 70–224/month with a plan.

**Why is the MEI plan cheaper than the individual plan?**
MEI plans use business-rate pricing (starting R$ 13.90/life) versus individual consumer pricing (starting R$ 24.90). The MEI rate is available to any active CNPJ holder, even with just one enrolled life. The coverage and network are identical.

### Business Questions

**Why should a company offer a dental plan?**
The dental plan is the second most desired employee benefit in Brazil (after medical coverage). Companies that offer dental plans report up to 40% reduction in absenteeism due to dental emergencies. The investment starts at R$ 9.78/life/month for large companies and is deductible from IRPJ (corporate income tax) with no INSS, FGTS, or other payroll charges. For a 20-person company, the total monthly cost is approximately R$ 300–400 — less than one employee absence day.

**Can I have a dental plan from one company and a medical plan from another?**
Yes. There is no regulatory requirement to contract dental and medical plans from the same operator. Many companies optimize by contracting each benefit separately from the best-in-class provider.

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*This content reference file is maintained by Odontoprev S.A. and was last updated in March 2026. For the most current information, visit the official websites listed in the Links section. Next scheduled revision: June 2026.*