Risk Management

GRI 102-11, 416-2

Key risks deriving from the Company’s businesses are managed by different departments and envisage policies and strategies that allocate resources deemed as appropriated by Management. Policies and strategies are monitored by the Audit Committee, as per the decision of the Board of Directors and in compliance with OdontoPrev’s Bylaws. Among the key risk factors mapped are amendments to the Brazilian laws and ANS rules, besides economic and market conditions.

The Company has a Risk Management Policy, which aims to establish guidelines related to corporate governance practices, risk management and internal controls, adopted under the terms of the applicable legislation and regulations, current corporate documents and good practices in these matters.

OdontoPrev’s capacity of implementing its business strategy relies on several factors, among them: attract new clients, maintain the quality and the efficiency of its accredited network, and potentialize its brands. Factors, such as competition and changes in governmental rules may result in costs not being fully covered by fees effective at that time. Thus, the Company endeavors its efforts to define fees based on accurate estimates of its future costs of dental assistance, aiming at mitigating such risk.

Any amendments to the Brazilian tax laws may also impact OdontoPrev’s businesses. The Company is subject to federal, state, municipal laws, and regulations of several governmental agencies relating to the protection of the environment, human health, and safety, especially, the ANS regulations, which enact rules, inclusive on dental plans. Should the effectiveness of these laws result in higher tax rates or new taxes relating to businesses, the financial condition and the Company’s operational results may be adversely affected, to the extent that increases are not passed on to clients.

Political, economic and social events and the perception of risks in other countries, particularly in emerging economies, may adversely affect the Brazilian economy, OdontoPrev’s businesses and the market cap of Brazilian securities, including shares issued by the Company, besides the power of restricting its access to the international markets. Crises in other emerging economies may inhibit investors’ interest in securities issued by Brazilian companies, including OdontoPrev, which would adversely affect the Company’s share price.

Balões de depoimentos


The support we receive from OdontoPrev is very important for our institution, as it qualifies the social protection we offer to our employees, their dependents and institution’s users, without its support, it would be difficult to guarantee their right to dental health.

Crislaine Lima, Socio-Educational Program Coordinator, Gol de Letra Foundation

OdontoPrev has been a partner of the Ronald McDonald Institute, since the foundation of this Institute in 1999 and has been contributing to transform the lives of thousands of children and adolescents with cancer in Brazil. With a 21-year history, the Institute already supported 1,500 projects of 100 institutions throughout the country, qualifying 26,000 health professionals in the early diagnosis of cancer.

Francisco Neves, Founder, and Superintendent of Ronald McDonald Institute

Over 500 people are benefited from OdontoPrev’s dental plans in its partnership with Tide Setubal Foundation. Taking into account that we assist socially vulnerable people, perhaps some of them never experienced something like that, as they made other choices in life.

Thiago Cassimiro, Tide Setubal Foundation’s Project Assistant, talking about the donation of dental plans in the “Black Friday do Bem” campaign.

Since I was a child, I had contact with Dentistry, my uncle was a dentist. I loved to see him working. Today, I am proud to be a dentist, strong-willed to serve patients. OdontoPrev not only takes care of the patient, but it also takes care of services through satisfaction surveys, which check service provided by the dentist, thus, everyone wins, patients, and dentists.

Rodrigo Villagra, OdontoPrev’s accredited dentist

I can see a digital future in dentistry and OdontoPrev’s competitive advantage is innovation and agility. The company offers a loyalty program to dentists, which allows accumulating points that I can exchange with dental materials.

Priscilla Ronchetti, OdontoPrev’s accredited dentist

We have been maintaining a long-standing partnership with OdontoPrev, approximately 15 years. OdontoPrev knows our routine and our demands concerning quality. We realize how OdontoPrev has been changing over the years, pursuing new technologies, improving its website and platform. This makes us look at our partnership in the long run.

Luciana Ezequiel, DHL’s HR Officer

The Young Entrepreneurs Program allowed me to grow as a professional and as a person, made me rediscover myself as a marketing professional and grow more and more. Every day I feel I contribute to the Company’s evolution and I have the opportunity of taking part in strategic projects.

Victoria Carnieri, OdontoPrev’s Marketing

I was well-received, with kindness and without discrimination. All the opportunities I receive at the company are fairly offered to me. OdontoPrev’s opportunities are offered to anyone pursuing professional and personal growth.

Paulo Ferreira, OdontoPrev’s Sustainability assistant

OdontoPrev’s Trainee Program offers lots of labor market opportunities, it includes trainees in different projects that contribute to his/her personal and professional development and presents adverse corporate scenarios for professional growth.

Mariana Lupianhas, OdontoPrev’s internship

I feel challenged by strategic projects I receive and I feel responsible for sustaining the company as a leader in the market. My 30-year experience in OdontoPrev makes me feel comfortable to innovate. OdontoPrev combines the strength of a publicly-held company and its capacity and desire for innovation. The employee is stimulated to devise new solutions at all hierarchical levels and play a leading role.

Diego Lyra, OdontoPrev’s Controller

OdontoPrev changed my life and received me with open arms. I am a disabled person, due to a traffic accident occurred 21 years ago. Every environment is prepared to receive any type of disability and fully accessible. The Company allowed me to develop myself intellectually and take up courses to improve my work.

Raquel Naressi, OdontoPrev’s Clinical Audit Supervisor