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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 nine months of 2017 recorded a growth of 2.0% compared with the same period of previous year, primarily due to: (i) the increase of 9.8% in revenue; (ii) the improvement of 0.3 p.p. in claims ratio; (iii) the improvement of 0.6 p.p. in expense ratio, (iv) the improvement in the administrative efficiency ratio, partially offset by: (v) decrease in the financial income, due to the behavior of the economicfinancial indices in the period; and (vi) decrease in equity results.

In September 2017, technical provisions for Bradesco Vida e Previdência, stood at R$217.1 billion, made up of R$206.7 billion from "Pension Plans and VGBL" and R$10.4 billion from "Life, Personal Accidents and other lines", resulting in an increase of 13.6% in September 2016.

Bradesco Saúde and Mediservice

These two companies have a combined total of more than 3.7 million customers. The reduction observed throughout the periods is mainly due to the current economic scenario. The large share of corporate insurance in this portfolio (95.9% in September 2017) is proof of its high level of specialization and customization in providing group coverage plans.

In September 2017, Bradesco Saúde and Mediservice maintained a strong market position in the corporate sector (source: ANS).

Approximately 141 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,” 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.