
Nacional Plus Bradesco is a popular choice for companies looking for a comprehensive insurance solution.
This plan offers a wide range of coverage options, including liability, property damage, and workers' compensation.
With Nacional Plus Bradesco, you can choose from different coverage limits to suit your business needs, from R$ 50,000 to R$ 1 million.
The premium prices for Nacional Plus Bradesco vary depending on the coverage limits and the type of business.
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O Plano
The Plano Nacional Plus is designed for companies that want to offer healthcare services across all regions of Brazil. It includes exclusive services from Bradesco Saúde Concierge.
This plan offers reembolso de despesas, or reimbursement of expenses, for services used within the country or abroad. You and your employees can take advantage of this benefit.
The Bradesco Top Nacional Plus plan offers some unique features. For example, if you have more than 30 lives covered, you're exempt from paying for procedures, including pre-existing conditions.
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One of the key benefits of the Bradesco Top Nacional Plus plan is its high reembolso, or reimbursement rate. This allows beneficiaries to receive consultations and procedures at their preferred locations.
The plan's acomodação padrão, or standard accommodation, is an apartamento, or apartment. This provides a private and comfortable space for the insured.
Cobertura
The Bradesco Nacional Plus offers nationwide coverage, so you can get medical attention in any state in Brazil, within the credentialed network. This is perfect for frequent travelers or those who live in different regions throughout the year.
With Bradesco Top Premium, you get even more extensive coverage, including a larger network of top-notch hospitals and clinics.
In São Paulo, you can access renowned hospitals like the Hospital Israelita Albert Einstein, Hospital Sírio Libanês, and more.
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Cobertura
Cobertura is a crucial aspect to consider when choosing a health insurance plan. The Bradesco Saúde Nacional Plus offers national coverage, allowing you to be treated in any state of Brazil, within the credentialed network.

This is ideal for frequent travelers or those who live in different regions throughout the year. The Bradesco Top Premium goes even further, covering the entire national territory with a broader credentialed network, including top-notch hospitals and clinics.
The Bradesco Top Premium is also more robust in terms of international coverage, offering a wider range of assistance for medical treatment outside of Brazil. This includes reembolsos in foreign currencies and an international network of care.
In terms of the credentialed network, the Bradesco Top Nacional Plus boasts an excellent network of care across the entire national territory. In São Paulo, for example, you can access top hospitals like the Hospital Israelita Albert Einstein and the Hospital Sírio Libanês.
Beneficiaries of the Bradesco plan can also access various medical tests in reputable laboratories like Lavosier and Fleury.
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Programas de Saúde e Bem-estar
When looking at the health and wellness programs offered by these plans, it's clear that both options prioritize prevention and promotion of health through regular check-ups and wellness consultations.
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The Bradesco Top Premium plan takes it a step further by providing personalized programs focused on overall health, which includes access to nutritionists, personal trainers, and ongoing medical support.
Regular check-ups and wellness consultations are a common thread among these plans, helping to catch potential health issues early on and promote healthy habits.
The Bradesco Top Premium plan's focus on integral health sets it apart, offering a more comprehensive approach to wellness that goes beyond just regular check-ups.
By providing access to specialists like nutritionists and personal trainers, these plans empower individuals to take control of their health and make informed decisions about their well-being.
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Reembolso
Reembolso, or reimbursement, is a key feature of Nacional Plus Bradesco. It allows you to recover your expenses with a simple request.
To be eligible for reembolso, you must have a valid reason for the expense, such as a medical emergency or a business trip. The expense must also be within the limits set by Nacional Plus Bradesco.
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You can request reembolso through the Bradesco website or mobile app. You'll need to provide documentation to support your claim, such as receipts or invoices. The bank will review your request and process the reimbursement as soon as possible.
Reembolso is a convenient way to manage your expenses and get reimbursed quickly.
Preços e Descontos
The prices of the Bradesco Nacional Plus plan are surprisingly affordable, with a notable difference compared to the Bradesco Top Premium plan.
The Bradesco Top Premium plan comes with a higher price tag due to its exclusive hospital network, wider international coverage, and additional benefits.
Beneficiaries of Bradesco Saúde can enjoy exclusive discounts at pharmacies across the country, including those in the Pague Menos and Panvel networks.
15. Preços
The prices of the plans are quite different.
The Bradesco Nacional Plus offers high-quality coverage at a more affordable cost compared to the Bradesco Top Premium.
This is because the Bradesco Top Premium has a higher value due to its exclusive hospital network, greater international coverage, and additional benefits.
Descontos em Farmácia

If you're a Bradesco Saúde beneficiary, you're in luck - you can enjoy exclusive discounts at pharmacies across the country.
Beneficiários Bradesco Saúde can take advantage of discounts at pharmacies that are part of the Pague Menos and Panvel networks.
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Conclusão e Informações
Both plans of Bradesco Saúde offer significant benefits, but the differences between Bradesco Nacional Plus and Bradesco Top Premium can be decisive depending on your specific needs.
The Bradesco Nacional Plus is an excellent option for those seeking a plan with broad coverage and excellent cost-benefit.
For those who don't compromise on maximum comfort, exclusivity, and international coverage, the Top Premium is the ideal choice.
Carência e Contratação
The carência, or waiting period, of the Bradesco Top Nacional Plus plan varies depending on the number of lives insured under the contract. If you have between 3 and 9 lives, you'll have normal contractual waiting periods.
The waiting periods can be reduced if you already have a similar plan and switch to the Bradesco Top Nacional Plus. In this case, you'll only need to wait for partos and lesões preexistentes (pre-existing injuries).
Here's a breakdown of the waiting periods based on the number of lives insured:
- 03 a 09 vidas: Carências contratuais normais;
- 10 a 20 vidas: Carências apenas para partos, consultas e exames simples;
- 21 a 29 vidas: Isento para todos os procedimentos, exceto lesões preexistentes;
Como Funciona a Carência?

So, you're wondering how carência works? Well, it's actually quite straightforward. The carência of Bradesco Top Nacional Plus varies depending on the number of lives covered in the contract.
For 3 to 9 lives, the carências are normal, no surprises there. For 10 to 20 lives, the carência only applies to simple procedures like partos, consultas, and exames. And if you have 21 to 29 lives, you're lucky - you're exempt from most procedures, except for lesões preexistentes.
Here's a quick rundown of the carências for different contract sizes:
Como Reduzir a Carência?
You can reduce the waiting period of the Bradesco Top Nacional Plus by using a similar plan you already have.
Beneficiaries who already have a plan similar to the Bradesco Top Nacional Plus can apply for a reduction in the waiting period.
The reduction only applies to beneficiaries who have a similar plan, not to new customers.
Some insurance companies that offer plans that can reduce waiting periods for the Bradesco Preferencial Plus are Amil, SulAmérica, Porto Seguro, Allianz, and Sompo.
If you use a plan that allows for waiting period reduction, you'll only need to meet the waiting period for parturition and pre-existing injuries.
We can help you find the ideal health insurance plan for you.
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Frequently Asked Questions
Qual o plano de saúde mais top do Bradesco?
O plano mais completo da Bradesco Saúde é o Premium, que oferece coberturas exclusivas e serviços personalizados em todo o Brasil. Esse plano é ideal para quem busca uma proteção total e conforto em seus cuidados de saúde.
O que é Bradesco Plus?
Bradesco Plus é um plano de saúde para empresas que oferece atendimento nacional e serviços exclusivos em todo o Brasil e no exterior
Sources
- https://conveniomedicobradesco.com.br/plano-nacional-plus/
- https://www.bradescoseguros.com.br/clientes/produtos/plano-saude/saude-spg-plano-nacional-plus
- https://planosdesaudebrasil.com/15-diferencas-entre-bradesco-saude-nacional-plus-e-top-premium/
- https://busqueplanodesaude.com.br/plano-de-saude/bradesco/planos/top-nacional-plus
- https://academy.baeta.com.br/material/detalhes-plano-de-saude-empresarial-nacional-plus-bradesco-seguros
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