Saúde Bliss

Saúde Bliss operates an AI-powered platform designed to streamline the sale of health insurance plans to small and medium-sized enterprises (SMEs) in Brazil. Founded in 2021 by CEO Fernando Gonçalves and Co-founder Lina Horiguchi, the company is headquartered in Sao Paulo. Gonçalves has a background that includes roles at Bain & Company, Nubank, and Loft, where he was involved in structuring LoftCred, a mortgage brokerage platform. The company's business model targets B2B insurance brokers and carriers, aiming to enhance their sales efficiency and operational capacity. Saúde Bliss reached breakeven at the end of 2025, reporting over R$300 million in annualized premiums, a threefold increase from the previous year. The company has secured a total of $15 million in funding. A pre-seed round of R$10 million in 2022 was led by Canary, followed by an undisclosed seed round from SpeedInvest. In March 2026, the company raised $11 million in a Series A round co-led by Kfund and Grupo Bradesco, with participation from Actyus, Clocktower Ventures, Canary, and Speedinvest. This capital is intended to fund expansion from São Paulo to other Brazilian capitals like Rio de Janeiro and Brasília and to grow its technology and product teams. The core of Saúde Bliss's offering is its AI Sales Co-Pilot and an automated back-office system. The Sales Co-Pilot, featuring an AI agent named Fátima, integrates with WhatsApp to provide instant quotes by interpreting text, audio, and image messages from brokers. This system automates bureaucratic tasks such as processing documentation, generating policy applications with insurers, and providing real-time status updates. The platform is designed to reduce the sales cycle from days to minutes and claims it can increase a broker's sales volume by four to five times. For insurers, Saúde Bliss provides a distribution channel and a risk management tool that monitors for fraud and claims ratios to help maintain a sustainable portfolio. Keywords: AI health insurance, SME insurance Brazil, insurtech, sales automation, insurance brokerage platform, B2B insurance, policy issuance automation, risk management insurance, AI sales co-pilot, health plan simulation, WhatsApp insurance quotes, Fernando Gonçalves, broker efficiency tools, insurance back-office automation, Brazilian health insurance market, venture capital, Series A, SME benefits, claims ratio monitoring, insurance fraud detection