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Insurance Group

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Bradesco Vida e Previdência

Bradesco Seguros provides a wide range of insurance products to individuals and corporate clients in Brazil, and also offers insurance products not only on an individual basis, but also under corporate agreements, according to which companies’ employees are insured. Bradesco Seguros’ products include health, life, personal accident, automobile insurance and other assets, with health insurance comprising the largest portion of its insurance area.Net income of the first six-month period of 2017 recorded a growth of 3.9% compared with the same period of previous year, primarily due to: (i) the increase of 12.4% in revenues; (ii) the downslide of the expense ratio; (iii) the increase in equity results; (iv) the improvement of the
administrative efficiency ratio; and partially offset by: (v) the increase of 0.6 p.p. in the claims ratio in the "Health" segment; and (vi) decrease in the financial income, due to the behavior of the economic–financial indices in the period.

In June 2017, technical provisions for Bradesco Life and Pension Plans, stood at R$210.8 billion, made up of R$200.7 billion from "Pension Plans and VGBL" and R$10.1 billion from "Life, Personal Accidents and other lines", resulting in an increase of 24.1% in June 2016.

Bradesco Saúde and Mediservice

These two companies have a combined total of more than 3.8 million clients. The large share of corporate insurance in this portfolio (95.9% in June 2017) is proof of its high level of specialization and customization in providing group coverage plans.

Approximately 140 thousand companies in Brazil have Bradesco Saúde insurance and Mediservice plans.

Of the 100 largest companies in Brazil in terms of billing, 43 are Bradesco Saúde and Mediservice customers (source: Exame magazine – "Melhores e Maiores" ranking, July 2016).

Bradesco Capitalização

Concerned with providing products that better fit the most varied profiles and budgets of its clients, Bradesco Capitalização has a product portfolio, which ranges in payment method (lump or monthly), contribution term, periodicity and value of premiums that meet the requirements and expectations of the clients.

By combining a pioneering spirit and a strategic vision of the business, Bradesco Capitalização launched products geared toward social and environmental causes, where a portion of the funds raised is earmarked for projects having this purpose. In addition to making it possible for the client to establish a financial reserve, the Capitalization Bonds with a social and environmental profile seek to make clients aware of the importance of this issue and allow them to participate on behalf of this noble and beneficial cause to society.

Currently, Bradesco Capitalização maintains a partnership with the SOS Mata Atlântica Foundation, which promotes conservation of the biological and cultural diversity of the Atlantic Forest Biome, stimulating social and environmental civic awareness and actions.

Bradesco Auto/RE
Bradesco Auto/ P&C is present in 40 of the 100 largest groups in the country, as the insurer of its equities. And, to ensure the retention of clients, the company has invested in the revision of its internal processes, mainly, in the areas dedicated to customer service and the analysis and regulation of claims, in search of greater efficiency and quality in the provision of services.