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Every week, at least one patient of cardiovascular surgeon Marcus Vinicius Gimenes asked him the same request. "Doctor, I do not have any health insurance, can you afford me a discount on the appointment at an individual?" Listening to this sentence, Gimenes used his entrepreneurial spirit to create the Good Consultation. The startup, based on the concept of shared economy, offers consultations, exams, vaccinations and even surgeries at affordable prices for those who do not have health insurance.
The company was purchased about a month ago by BenCorp, responsible for health benefits for the corporate sector. Gimenes however has not been the only one exploring the vein: several startups have focused on those who do not have health insurance. Since 2014, the total number of Brazilian customers active in this sector has decreased by 6% to less than a quarter of the population.
Like other examples of shared economy, the secret of the Consultation of the Well, it is necessary to use underutilized resources – in this case, of vague hours of doctors in their offices.With the support of technology, it is possible to take advantage of the network effect to occupy these spaces.On average, says Gimenes, this time of year. stop is half of the work period of professionals.
When using the start-up service, the patient makes an appointment with one of the 3,000 professionals registered on the platform, to from the hours previously proposed by the doctor.Payment is made on time, over the internet – and each session leaves for $ 100, one-third of the price of $ 30. do normal consultation. "Because the payment is made before the consultation, the absences collapse.The patient manages to pay less and the doctor uses his time better," says the founder of Consulta do Bem.
For patients, the company has a system similar to that of Dr. Consulta, pioneer of the sector, established in 2011. Through the site or the application of the business, it is possible to schedule visits to the doctor or dentist, to make appointments and minor surgeries. The difference is that Dr. Consulta's professionals do not attend their own offices, but in more than 60 startup clinics currently distributed between São Paulo and Rio de Janeiro.
Club. Technology is also what allowed the birth of Dandelin in April 2018. It is a kind of health club: the user accesses the application of society and, if necessary , marks its procedure with one of the more than 400 registered doctors At the end of the month, the startup adds the number of inquiries from its customers and spreads the costs among the "partners".
The user therefore pays a variable cost subscription, such as the water bill of a condominium, for example. There may be months during which the user has taken five appointments and pays the equivalent of one, as well as the month in which he does not show up at the doctor and will have to pay. "Invariably, it's much less than the monthly plan fee.Today, the maximum amount you pay is $ 100 per month," said Mara Redigolo, co-founder and director of operations for Dandelin.
Trend For specialists, services for those who do not have a health care system tend to develop because it seems that medical conventions are even more expensive. is aging, increasing the incidence of chronic diseases and the complexity of treatments, as well as the cost of monthly payments, "said Leonardo Nunes, health expert at Cedar Consultoria.
In addition, the number of professionals has surpbaded that of contract workers recruited for the first time in five years in 2017 – a situation that has not yet been reversed.Today, individual health plans cost It's 58% more expensive than group plans, depending on the country's regions, making alliances inaccessible to more people – data from the National Health Agency (ANS).
Integration. After graduating from Harvard University and working for two years in Quora, the social network of Silicon Valley issues, the engineer Deborah Alves returned to Brazil in May 2018 to broadcast Cuidas, a family health service. . With a business goal, the company has already earned five businesses as customers, each paying $ 70 per month for every registered employee who can utilize health care services. In addition to appointments, Cuidas also allows the user to ask questions in real time, on his cell phone, solving common problems or expert guidance.
"For companies that have a plan, it's something that reduces the loss ratio and the shortage of employees who go to the doctor," says Deborah. "For companies that do not have one, it's a benefit that can help attract talent." Despite his age, Cuidas has already received investments from Kaszek Ventures and Canary funds. In addition to the monthly fees paid by the companies, Cuidas also bills at the consultation – receives an average of $ 20 per scheduled session.
The Health Center, founded in 2011 by entrepreneur Bruno Peres, also aims to contribute to health plans. The company takes phono-audiologists, physiotherapists and other professionals to the homes of patients – often these treatments are not covered by health insurance plans. With a thousand professional partners, who perform an average of 5,000 procedures per month, the company closed the year 2018 with a business turnover of R $ 4 million.
Prevention is also becoming a business for startups
The doctor saves, but it's the physiotherapist who makes life to the patient, N2B users can prevent diseases such as sinusitis and migraine
The administrator, Luísa Cusnir, was working in the health division of an insurance brokerage firm and decided to investigate why the number of claims was so high. He found that most diseases, including those treated with urgency, such as migraine and sinusitis, could be prevented through prevention based on an adequate diet. With this data in hand, he founded N2B in 2016, a company that helps people eat better.
After receiving an investment of R $ 150,000 from the Ace startups accelerator two years ago, in addition to a recent, undisclosed contribution from the Israelite company Albert Einstein, the company adds 700 new records a day;
Clients can send N2B as many times as they wish and a team of nutritionists help them remotely understand how they feed according to their health needs. "The mere fact of sending us pictures of the food already allows us to become aware of her health, so we are less likely to go to the doctor or the hospital," explains Luísa. (N) = n.callMethod? N.callMethod.apply (n) = n.callMethod (n), arguments): n.queue.push (arguments)}; if (! f._fbq) f._fbq = n; n.push = n; n.loaded =! 0; n.version = 2.0 & # 39 ;; not. tail = []; t = b.createElement (e); t.async =! 0; t.src = v; s = b.getElementsByTagName (e) [0]; s.parentNode.insertBefore (t, s)} [documentwindow'script'//connectfacebooknet/en_US/fbeventsjs';fbq('init';1659995760901982');FBQ('track''PageView'(Nnnnn)n(n)n(n)narguments)nqueuepush(arguments)};if(f_fbq)f_fbq!=n;npush=n;nloaded=!0;nversion=#20;nqueue=[] t = b.createElement (e); t.async =! 0; t.src = v; s = b.getElementsByTagName (e) [0]; s.parentNode.insertBefore (t, s)} (window, document, & quot; script & quot; // connect.facebook.net/en_US/fbevents.js'); fbq (& # 39 ;, & # 39; 1659995760901982 & # 39;); fbq ('track', 'Pageview');
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