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B1 noun 10분 분량

convênio

연습하기 예시 노트와 팁 convênio 30초 만에

설명 convênio in your Level:

At the A1 level, you should learn 'convênio' primarily in the context of health. In Brazil, when you go to the doctor, you need to know if you are paying 'particular' (with your own money) or using a 'convênio' (health insurance). Think of it as a 'medical card'. You can say simple sentences like 'Eu tenho convênio' (I have insurance) or 'Qual é o seu convênio?' (What is your insurance?). It is a masculine noun, so use 'o' or 'um'. Don't worry about the legal or academic meanings yet; just focus on the doctor's office. It's a very useful word for basic survival in a Brazilian city. If you see a sign at a pharmacy that says 'Convênios', it means you might get a discount if you have a health plan. Just remember: it's not 'convenience'!

무료 가입하고 전체 설명 읽기

At the A2 level, you can start using 'convênio' to talk about work benefits. In job descriptions, you will see 'convênio médico' and 'convênio odontológico'. You should learn the verb 'atender' in this context: 'O médico atende pelo meu convênio?' (Does the doctor accept my insurance?). You can also understand the idea of an agreement between two places, like a gym and your company. 'A minha empresa tem convênio com a academia'. This means you get a discount. You are expanding from just 'health' to 'discounts and benefits'. Notice that the word usually involves an institution (like a company or a bank) helping you pay for something. It's a formal way of saying 'partnership' for services.

무료 가입하고 전체 설명 읽기

At the B1 level, you should understand the distinction between a 'convênio' and a 'contrato'. A 'convênio' is often an agreement for cooperation where both sides want the same thing, like two universities exchanging students. You will encounter this in more professional or academic settings. You should be able to use verbs like 'firmar' (to establish/sign) and 'renovar' (to renew). For example: 'As duas instituições firmaram um convênio de cooperação'. You should also be comfortable using it in the plural and with different adjectives. At this level, you should also be aware that in Portugal, 'seguro de saúde' is more common for medical contexts, while 'convênio' is very Brazilian. You can now handle more complex bureaucratic situations using this word.

At the B2 level, you are expected to use 'convênio' in administrative and semi-legal contexts. You should understand phrases like 'convênio de repasse de verbas' (an agreement for the transfer of funds). This is common in news about the government. You should also understand the nuances of 'atendimento pelo convênio' versus 'reembolso'. You can discuss the pros and cons of different 'convênios' in the Brazilian market. Your vocabulary should include related terms like 'credenciamento' (the process of a doctor joining a convênio). You can use the word to describe complex institutional relationships, such as those between a public hospital and a private health management organization. You are moving beyond simple usage into understanding the systems the word represents.

무료 가입하고 전체 설명 읽기

At the C1 level, you should be familiar with the legal definition of 'convênio' in Brazilian Administrative Law. It is a 'negócio jurídico' (legal act) where public entities or private non-profits collaborate toward a common public interest goal, without the profit-seeking nature of a commercial contract. You should be able to read and summarize news articles about 'irregularidades em convênios' (irregularities in government agreements). You can use the word in formal writing, such as emails proposing a partnership between companies. Your understanding of the word should be deep enough to recognize when it is being used metaphorically or in highly specialized fields like international diplomacy (though 'tratado' is more common there). You understand the social implications of 'ter convênio' in Brazilian society.

무료 가입하고 전체 설명 읽기

At the C2 level, you have a masterly grasp of 'convênio', including its etymological roots and its evolution in Lusophone legal systems. You can engage in high-level debates about the 'judicialização da saúde' and how 'convênios médicos' interact with the public system (SUS). You understand the subtle differences in usage across all Lusophone countries, noting that while it's a staple in Brazil, it might be used more restrictively in legal contexts in Portugal or Mozambique. You can draft formal 'Termos de Convênio' with precise legal terminology. You recognize the word in historical texts and can explain how the concept of institutional cooperation has changed over time. Your use of the word is indistinguishable from that of a highly educated native speaker, including correct usage in complex grammatical structures.

무료 가입하고 전체 설명 읽기

연습하기 예시 노트와 팁

convênio 30초 만에

A formal agreement or partnership between institutions.
The standard Brazilian term for private health insurance.
Used in academic settings for exchange and internship programs.
A legal administrative tool for public-private cooperation.

The Portuguese word convênio is a multifaceted noun that primarily translates to 'agreement', 'covenant', or 'pact' in a general sense, but it carries a very specific and culturally significant weight in Brazil. When an English speaker hears 'agreement', they might think of a simple handshake deal or a contract. However, in the Lusophone world, particularly in Brazil, convênio is the standard term used to refer to private health insurance plans. This is the most common way you will encounter the word in daily life. If someone asks, 'Você tem convênio?', they aren't asking if you've signed a treaty; they are asking if you have a private medical plan that allows you to bypass the public healthcare system (SUS). Beyond the medical field, the term is used in academic and corporate settings to describe formal partnerships between institutions. For instance, a university might have a convênio with a foreign institution to facilitate student exchanges. The essence of the word lies in a collaborative arrangement where two or more parties agree to provide mutual benefits or services under specific terms. It implies a degree of formality and institutional backing that a simple 'acordo' (agreement) might lack. In legal terms, a convênio is distinguished from a contrato (contract) because, in a convênio, the parties usually share a common goal, whereas in a contract, the parties often have opposing interests (like a buyer and a seller). Understanding this word is crucial for navigating Brazilian bureaucracy, healthcare, and professional networking.

Medical Context: Refers to health insurance. Example: 'O meu convênio cobre exames de sangue?' (Does my health plan cover blood tests?)

Institutional Context: Refers to partnerships between companies or schools. Example: 'A empresa firmou um convênio com a academia local.'

Legal Context: A formal administrative agreement between public entities or between a public entity and a private non-profit.

Para marcar a consulta, preciso saber se o médico aceita o seu convênio.

O convênio entre as universidades permitiu o intercâmbio de pesquisadores.

Infelizmente, o hospital cancelou o convênio com a nossa seguradora.

Este convênio de cooperação técnica vai durar cinco anos.

Muitos funcionários preferem o convênio odontológico ao plano de saúde padrão.

In summary, while the dictionary might suggest 'agreement', your brain should immediately think 'Health Plan' or 'Institutional Partnership' depending on the setting. It is a word that bridges the gap between private benefits and public administration, making it a staple of the Brazilian social and economic landscape.

Using convênio correctly requires understanding the verbs and prepositions that typically accompany it. In the context of health insurance, the most common verb is atender (to serve/to see a patient). You will often hear 'Este médico atende pelo convênio?' which means 'Does this doctor take [my] insurance?'. The preposition pelo (por + o) is standard here. When you are the one who has the insurance, you use the verb ter (to have). For example, 'Eu tenho um convênio excelente'. If you are talking about the act of creating an agreement between two entities, you use verbs like firmar (to sign/establish), celebrar (to formalize), or renovar (to renew). These are more formal and appear frequently in business news or academic bulletins. Another important aspect is the type of convênio. You can have a convênio médico (health), convênio odontológico (dental), convênio de estágio (internship agreement), or convênio de cooperação (cooperation agreement). Each of these specifies the nature of the partnership. In a sentence, the word functions as a standard masculine noun. It can be modified by adjectives like particular (private), público (public), internacional (international), or vencido (expired). For example, 'O convênio internacional entre a USP e a Harvard foi um sucesso'. Notice how the word anchors the sentence, providing the legal or administrative context for the action described. When discussing the benefits of a job, you might say, 'A empresa oferece convênio médico e vale-refeição'. Here, convênio functions as a shorthand for the entire health insurance benefit package. It's also worth noting that in Portugal, the word is used but perhaps less frequently in the specific 'health insurance' sense compared to Brazil, where 'seguro de saúde' is also common but 'convênio' remains the king of colloquial medical talk.

Common Verb Pairings: Firmar, celebrar, atender, cobrir, cancelar, renovar.

Prepositional Use: Atender 'pelo' convênio; Ter um convênio 'com' uma empresa; Estar 'no' convênio.

O paciente perguntou se o hospital tinha convênio com o Bradesco Saúde.

Nós precisamos renovar o convênio de estágio antes do próximo semestre.

O governo estadual assinou um convênio para a construção de novas moradias.

If you are living in or visiting Brazil, you will hear convênio almost every time you deal with health issues. At the reception desk of a clinic, the first question after 'Boa tarde' is often 'É pelo convênio ou particular?' (Is it through insurance or a private out-of-pocket payment?). This binary choice defines the Brazilian healthcare experience for the middle and upper classes. You will also hear it in the workplace. During a job interview, the HR manager might list the benefits: 'Oferecemos salário competitivo, vale-transporte e convênio médico Bradesco'. In the academic world, professors often talk about convênios de pesquisa (research agreements) when discussing funding or collaboration with industry partners. If you listen to the news, particularly concerning public administration, you'll hear about convênios federais where the federal government provides funds to municipalities for specific projects like paving roads or building schools. In these cases, the word carries a bureaucratic weight, implying a set of rules, audits, and specific outcomes. It is also common in the world of sports; a small club might have a convênio with a larger one to share training facilities or scout players. Essentially, anywhere there is a formal, mutually beneficial partnership that isn't a simple transactional sale, the word convênio is likely to appear. It's a word of 'middle-ground' legalities—more formal than a promise, but often less rigid than a commercial contract. You might even see it on signs outside pharmacies: 'Aceitamos convênios' (We accept insurance plans), meaning you can get discounts on medication through your health provider. This ubiquity makes it one of the most essential 'functional' words in the Portuguese language for anyone looking to navigate the system effectively.

At the Doctor: 'Qual é o seu convênio?' (Which insurance do you have?)

At Work: 'O convênio da empresa mudou para a Unimed.'

In News: 'A prefeitura assinou um convênio com o Ministério da Saúde.'

Na farmácia, apresentei a carteirinha do convênio para obter o desconto.

One of the most frequent mistakes English speakers make is assuming convênio is a direct translation for 'convenience'. While they sound similar (phonetic false friends), they are completely unrelated. 'Convenience' in Portuguese is conveniência. If you say 'Isso é um convênio para mim', you are saying 'This is a health plan for me' or 'This is a formal agreement for me', which makes no sense if you meant 'This is convenient for me'. Another mistake is using convênio for casual, interpersonal agreements. If you and a friend agree to meet at 5 PM, that is an acordo or a combinado, not a convênio. Using the word in this context sounds overly bureaucratic and strange. Furthermore, learners often confuse convênio with contrato. While both are legal documents, a convênio usually involves entities working together for a common purpose (like two governments building a bridge), whereas a contrato is a transaction where one party provides a service/good and the other pays (like buying a car). In the medical world, don't confuse convênio with consulta. A consulta is the actual appointment with the doctor; the convênio is what pays for it. Finally, pay attention to the gender. It is o convênio (masculine). Saying 'a convênio' is a common error for beginners. Lastly, when talking about international treaties, the word tratado is usually more appropriate than convênio, which is more localized or administrative.

False Friend: Convênio ≠ Convenience. Convenience = Conveniência.

Over-formality: Don't use it for lunch plans. Use 'acordo' or 'combinado'.

Errado: 'Fiz um convênio com meu irmão de lavar a louça.' (Incorrect/Strange)

Correto: 'Fiz um acordo com meu irmão de lavar a louça.'

To truly master convênio, you should know its synonyms and how they differ in nuance. The most common alternative is acordo. While acordo is a general term for any agreement, convênio is more formal and usually institutional. Use acordo for verbal deals, settlements, or general consensus. Another similar word is pacto. A pacto suggests a more solemn or serious commitment, often with moral or political overtones (e.g., 'pacto de não agressão'). Contrato (contract) is strictly legal and involves an exchange of values, whereas convênio is often about mutual cooperation. In the medical field, plano de saúde is the most frequent synonym for convênio. While plano de saúde refers to the service itself, convênio can refer to the provider or the agreement between the provider and a clinic. Parceria (partnership) is a softer, more modern term often used in business to describe collaboration without the rigid bureaucratic structure of a convênio. Finally, ajuste is a technical term used in legal or accounting contexts to describe a settlement or fine-tuning of an agreement. Understanding these distinctions will help you choose the right level of formality. For example, you 'firmam um convênio' (sign an agreement) but you 'fazem um trato' (make a deal). The choice of word signals your professional level and your familiarity with Portuguese social norms.

Convênio vs. Acordo: Convênio is institutional/formal; Acordo is general/flexible.

Convênio vs. Plano de Saúde: Interchangeable in medical contexts, but 'Plano' is more technical while 'Convênio' is common in clinics.

Convênio vs. Contrato: Convênio = shared goals; Contrato = exchange of services/money.

Eles têm uma parceria informal, mas nenhum convênio assinado.

How Formal Is It?

격식체

중립

비격식체

Child friendly

속어

재미있는 사실

The word share the same root as 'convent' (a place where people come together) and 'convention'.

발음 가이드

UK /kɒn.ˈveɪ.ni.u/

US /kɑn.ˈveɪ.ni.u/

The stress is on the second syllable 'vê' (penultimate).

라임이 맞는 단어

gênio biênio milênio armênio selênio decênio esplênio oxigênio

자주 하는 실수

Pronouncing it like 'convenience'.
Ignoring the nasal sound on the first 'o'.
Stress on the last syllable.
Treating 'io' as two distinct, long syllables instead of a quick glide.
Mispronouncing the 'ê' as an open 'é'.

난이도

독해 3/5

Easy to recognize in context, but legal usage can be dense.

쓰기 4/5

Requires knowledge of specific verb pairings like 'firmar'.

말하기 3/5

Pronunciation is straightforward once you master the nasal 'o'.

듣기 3/5

Commonly heard in clinics; easy to spot.

다음에 무엇을 배울까

선수 학습

acordo médico saúde empresa pagar

다음에 배울 것

seguro apólice cobertura carência reembolso

고급

licitação aditivo doutrina jurisprudência

알아야 할 문법

Contractions with 'por'

Atender 'pelo' (por + o) convênio.

Masculine Noun Endings

Words ending in -io are usually masculine (o convênio).

Subjunctive after 'permite que'

O convênio permite que ele 'faça' o estágio.

Preposition 'com' for partnerships

Convênio 'com' a universidade.

Compound Noun Adjectives

Convênio 'médico-hospitalar'.

무료 가입하고 전체 설명 읽기

수준별 예문

Eu tenho um convênio médico.

I have a health plan.

Masculine noun with 'um'.

Qual é o seu convênio?

What is your insurance?

Interrogative sentence.

O hospital aceita o meu convênio.

The hospital accepts my insurance.

Subject-Verb-Object structure.

Este convênio é bom?

Is this health plan good?

Adjective agreement (bom).

Eu não tenho convênio.

I don't have insurance.

Negative sentence.

O convênio paga a consulta.

The insurance pays for the appointment.

Present tense verb 'pagar'.

Onde está a carteirinha do convênio?

Where is the insurance card?

Diminutive 'carteirinha' is common.

O convênio é da empresa.

The health plan is from the company.

Possession with 'da'.

A empresa oferece um ótimo convênio odontológico.

The company offers a great dental plan.

Compound noun context.

Você sabe se esse médico atende pelo convênio?

Do you know if this doctor takes insurance?

Use of 'atender pelo'.

O convênio dá desconto na farmácia.

The insurance gives a discount at the pharmacy.

Verb 'dar' (to give).

Nós temos um convênio com a academia do bairro.

We have an agreement with the neighborhood gym.

Preposition 'com'.

O convênio médico é um benefício importante.

Health insurance is an important benefit.

Noun as a subject.

Vou ligar para o convênio agora.

I will call the insurance company now.

Future with 'vou'.

O convênio não cobre esse exame.

The insurance doesn't cover this exam.

Verb 'cobrir' (to cover).

Meu pai mudou de convênio mês passado.

My father changed insurance last month.

Verb 'mudar de'.

As universidades firmaram um convênio de intercâmbio.

The universities signed an exchange agreement.

Formal verb 'firmar'.

O convênio de cooperação técnica foi assinado ontem.

The technical cooperation agreement was signed yesterday.

Passive voice.

Precisamos verificar as cláusulas do convênio.

We need to check the clauses of the agreement.

Plural 'cláusulas'.

O convênio entre a prefeitura e a ONG foi renovado.

The agreement between the city hall and the NGO was renewed.

Preposition 'entre'.

O convênio permite que os alunos estagiem na empresa.

The agreement allows students to intern at the company.

Subjunctive 'estagiem'.

Houve um problema no repasse das verbas do convênio.

There was a problem with the transfer of funds from the agreement.

Formal noun 'repasse'.

O convênio internacional facilita a pesquisa científica.

The international agreement facilitates scientific research.

Adjective 'internacional'.

Eles estão discutindo os termos do novo convênio.

They are discussing the terms of the new agreement.

Present continuous.

O hospital cancelou o convênio devido à falta de pagamentos.

The hospital canceled the agreement due to lack of payments.

Causal phrase 'devido à'.

O credenciamento de novos médicos pelo convênio está suspenso.

The accreditation of new doctors by the insurance is suspended.

Noun 'credenciamento'.

O convênio de estágio deve seguir as normas do MEC.

The internship agreement must follow the MEC regulations.

Modal verb 'deve'.

A rescisão do convênio pegou todos de surpresa.

The termination of the agreement took everyone by surprise.

Noun 'rescisão'.

Este convênio visa promover o desenvolvimento regional.

This agreement aims to promote regional development.

Verb 'visar' (to aim at).

O convênio prevê a construção de três novas escolas.

The agreement provides for the construction of three new schools.

Verb 'prever' (to provide for/foresee).

A validade do convênio expira no final deste ano.

The validity of the agreement expires at the end of this year.

Noun 'validade'.

O convênio foi auditado pelo Tribunal de Contas.

The agreement was audited by the Court of Auditors.

Passive voice with agent.

A celebração do convênio administrativo exige dotação orçamentária prévia.

The formalization of the administrative agreement requires prior budget allocation.

High-level administrative vocabulary.

O convênio de mútua colaboração fortalece o ecossistema de inovação.

The mutual collaboration agreement strengthens the innovation ecosystem.

Abstract noun 'ecossistema'.

Houve questionamentos sobre a legalidade do convênio firmado sem licitação.

There were questions about the legality of the agreement signed without a tender.

Legal term 'licitação'.

O convênio estabelece metas claras de desempenho para ambas as partes.

The agreement establishes clear performance goals for both parties.

Precise verb 'estabelece'.

A prestação de contas do convênio deve ser minuciosa.

The accountability report for the agreement must be meticulous.

Term 'prestação de contas'.

O convênio guarda estreita relação com as políticas públicas de saúde.

The agreement is closely related to public health policies.

Idiomatic 'guarda estreita relação'.

A vigência do convênio foi prorrogada por meio de um aditivo.

The duration of the agreement was extended by means of an amendment.

Term 'aditivo'.

O convênio é o instrumento jurídico adequado para essa parceria.

The agreement is the appropriate legal instrument for this partnership.

Term 'instrumento jurídico'.

A natureza jurídica do convênio distingue-se da dos contratos bilaterais sinalagmáticos.

The legal nature of the 'convênio' differs from that of bilateral synallagmatic contracts.

Extremely formal legal terminology.

O convênio em tela padece de vício insanável em sua formação.

The agreement in question suffers from an incurable defect in its formation.

Archaic/Formal legal phrasing ('padece de vício').

A exequibilidade do convênio depende da anuência do órgão regulador.

The feasibility of the agreement depends on the consent of the regulatory body.

Noun 'exequibilidade'.

O convênio transcende a mera transferência de recursos, focando na sinergia institucional.

The agreement transcends mere transfer of resources, focusing on institutional synergy.

Abstract verb 'transcende'.

A doutrina clássica define o convênio como um ato administrativo complexo.

Classical doctrine defines the 'convênio' as a complex administrative act.

Academic 'doutrina'.

O descumprimento das cláusulas do convênio enseja a aplicação de sanções.

Failure to comply with the clauses of the agreement leads to the application of sanctions.

Formal verb 'enseja'.

O convênio foi instrumentalizado visando a convergência de esforços transversais.

The agreement was implemented aiming at the convergence of transversal efforts.

Bureaucratic jargon.

A capilaridade do convênio permitiu que a assistência chegasse aos rincões do país.

The reach of the agreement allowed assistance to reach the remotest corners of the country.

Metaphorical 'capilaridade'.

자주 쓰는 조합

Convênio médico

Firmar um convênio

Atender pelo convênio

Convênio de estágio

Convênio de cooperação

Carteirinha do convênio

Renovar o convênio

Pelo convênio

Convênio odontológico

Rescisão de convênio

자주 쓰는 구문

Aceita convênio?

— Commonly asked at clinics to see if they take insurance.

Boa tarde, vocês aceitam convênio?

É pelo convênio?

— Asked by receptionists to determine payment method.

A consulta de hoje é pelo convênio?

Convênio da empresa

— The health plan provided as a job benefit.

O convênio da empresa é muito bom.

Fazer um convênio

— To sign up for a plan or establish a partnership.

Quero fazer um convênio para minha família.

Tabela do convênio

— The list of prices the insurance pays to providers.

Os médicos reclamam da tabela do convênio.

Rede do convênio

— The network of hospitals/doctors included in the plan.

Esse hospital não está na rede do meu convênio.

Carência do convênio

— The waiting period before you can use certain services.

Ainda estou no período de carência do convênio.

Guia do convênio

— The authorization form for medical procedures.

Você já pegou a guia do convênio?

Convênio particular

— A health plan paid for individually, not through a job.

Ela paga um convênio particular caro.

Sem convênio

— Not having a health plan; relying on the public system.

Ficar sem convênio no Brasil é arriscado.

자주 혼동되는 단어

convênio vs Conveniência

Means 'convenience'. Convênio is an agreement.

convênio vs Contrato

A contract is usually transactional; a convênio is usually collaborative.

convênio vs Consulta

A consulta is the medical visit; the convênio is the insurance.

관용어 및 표현

"Estar no convênio"

— To be covered by a specific health plan.

Eu já estou no convênio do meu marido.

Informal

"Passar pelo convênio"

— To have a medical procedure paid for by insurance.

Consegui passar a cirurgia pelo convênio.

Colloquial

"Pelo convênio da vida"

— A humorous way to say 'by chance' or 'through some deal'.

Consegui esse ingresso pelo convênio da vida.

Slang (Rare)

"Ter convênio com o santo"

— To be very lucky or protected.

Ele escapou do acidente; tem convênio com o santo.

Humorous

"Cair do convênio"

— To lose one's health insurance coverage.

Ele foi demitido e caiu do convênio.

Colloquial

"Convênio de fachada"

— A fake or superficial agreement.

Aquilo é só um convênio de fachada para ganhar votos.

Informal

"Entrar no convênio"

— To join an institutional agreement or health plan.

Nossa escola quer entrar no convênio do governo.

Neutral

"Segurar o convênio"

— To struggle to keep paying for health insurance.

Com a crise, está difícil segurar o convênio.

Colloquial

"Dar o convênio"

— When a company provides the benefit.

A firma dá o convênio para os dependentes também.

Informal

"Sair pelo convênio"

— To be discharged from a hospital using insurance paperwork.

A alta dele já saiu pelo convênio.

Colloquial

혼동하기 쉬운

convênio vs Conveniência

Phonetic similarity.

Conveniência is the quality of being convenient. Convênio is a formal pact or health plan.

Para sua conveniência, aceitamos o convênio.

convênio vs Acordo

Both mean agreement.

Acordo is general. Convênio is institutional or medical.

Fizemos um acordo verbal, mas nada oficial como um convênio.

convênio vs Seguro

Both relate to protection/insurance.

Seguro is the broad term for insurance (car, life). Convênio is specific to health plans in Brazil.

Eu tenho seguro de carro e convênio médico.

convênio vs Pacto

Synonyms.

Pacto has a more serious, often political or social weight.

Eles fizeram um pacto de amizade, não um convênio.

convênio vs Tratado

Synonyms.

Tratado is for international relations or peace deals.

O Tratado de Versalhes não foi um convênio.

문장 패턴

Eu tenho [convênio].

Eu tenho convênio.

O médico atende pelo [convênio]?

O médico atende pelo convênio?

Firmamos um convênio de [Type].

Firmamos um convênio de intercâmbio.

O convênio prevê [Action/Benefit].

O convênio prevê o desconto.

A celebração do convênio exige [Requirement].

A celebração do convênio exige dotação.

O convênio padece de [Legal Issue].

O convênio padece de vício.

A empresa oferece [convênio].

A empresa oferece convênio médico.

Renovamos o convênio com a [Entity].

Renovamos o convênio com a escola.

어휘 가족

명사

동사

형용사

사용법

frequency

Extremely high in Brazil, particularly in urban areas and professional circles.

자주 하는 실수

Eu tenho uma convênio. → Eu tenho um convênio.
Convênio is a masculine noun.
Isso é um convênio para mim. → Isso é conveniente para mim.
Confusing 'convênio' with 'convenient'.
Eu fiz um convênio de encontrar você. → Eu combinei de encontrar você.
Using 'convênio' for casual social plans.
O médico atende para o convênio? → O médico atende pelo convênio?
The correct preposition is 'pelo' (por + o).
Nós assinamos o convênio de venda da casa. → Nós assinamos o contrato de venda da casa.
A sale is a transaction (contrato), not a collaborative partnership (convênio).

팁

Health Plan Hierarchy

In Brazil, knowing which 'convênio' someone has can sometimes be a subtle indicator of their job's prestige.

Verbs Matter

Use 'firmar' for the act of signing an agreement; it sounds much more professional than 'fazer'.

Don't say Convenience

Remember: 'Convênio' is an agreement. 'Conveniência' is convenience. They are NOT the same.

Check the Network

Always check the 'rede credenciada' (accredited network) of your convênio before going to a hospital.

Internships

If you are a student, you'll need a 'convênio de estágio' signed by your school to work legally in Brazil.

Travel Insurance

Travel insurance is usually called 'seguro viagem', but some high-end 'convênios' include international coverage.

Common Goals

Legally, a 'convênio' is for shared goals. If there's a conflict of interest or pure profit, it’s a 'contrato'.

Partnerships

A 'convênio' can be between a club and a store to give members a discount. Always ask: 'Tem convênio?'

Nasal 'O'

The 'con' in convênio is nasal. Imagine saying 'cone' but stopping the 'n' in your nose.

Pharmacy Discounts

Many pharmacies have 'convênios' with big companies. Give your CPF or show your card to save money.

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기억법

Think of 'CON-VEN-IO' as 'CONnecting VENues for an IO (Input/Output) agreement'.

시각적 연상

Imagine two large buildings (institutions) shaking hands, or a doctor holding a golden key (the convênio card).

Word Web

Saúde Acordo Hospital Empresa Intercâmbio Assinatura Benefício Parceria

챌린지

Write three sentences: one about a doctor, one about a university, and one about a job, all using the word 'convênio'.

어원

From the Latin 'convenium', derived from 'convenire', meaning 'to come together' or 'to agree'.

원래 의미: A meeting, assembly, or an agreement made during such a meeting.

Romance (Latin root).

문화적 맥락

Be aware that many Brazilians cannot afford a 'convênio', so bragging about a high-end plan can seem insensitive.

In the US, you say 'health insurance'. In the UK, you might say 'private medical cover'. 'Convênio' encompasses both but feels more like a 'partnership'.

Amil Bradesco Saúde Unimed (major Brazilian convênios)

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실제 사용 상황

Hospitals/Clinics

Aceita convênio?
Qual o seu convênio?
Pelo convênio ou particular?
Guia do convênio.

Job Interviews

Tem convênio médico?
O convênio é extensivo?
Qual a coparticipação?
Convênio odontológico.

Universities

Convênio de intercâmbio.
Convênio de estágio.
Firmar parceria.
Renovar o convênio.

Government/Law

Convênio administrativo.
Repasse de verbas.
Termo de convênio.
Prestação de contas.

Pharmacies

Tem convênio?
Desconto do convênio.
Apresentar a carteirinha.
Medicamento coberto.

대화 시작하기

"O seu convênio médico cobre consultas com especialistas?"

"Você acha que vale a pena pagar um convênio particular hoje em dia?"

"A sua empresa oferece um bom convênio odontológico para os funcionários?"

"Você já teve problemas para conseguir uma guia pelo seu convênio?"

"Qual convênio você recomendaria para quem acabou de chegar ao Brasil?"

일기 주제

Descreva como funciona o sistema de saúde no seu país comparado ao sistema de convênios no Brasil.

Escreva sobre uma experiência em que um convênio institucional facilitou seus estudos ou trabalho.

Quais são as vantagens e desvantagens de depender de um convênio médico privado?

Imagine que você é o dono de uma empresa. Quais convênios você ofereceria aos seus empregados?

Reflita sobre a importância dos convênios de intercâmbio para a educação global.

자주 묻는 질문

10 질문

SUS is the free public healthcare system in Brazil available to everyone. A convênio is a private health insurance plan that you pay for (or your employer pays for) to access private doctors and hospitals.

No, that would sound very strange. For casual plans with friends, use 'combinado' or 'acordo'. 'Convênio' is strictly for formal or institutional settings.

Yes, but it is much less common in the 'health insurance' sense. In Portugal, people prefer 'seguro de saúde'. In legal contexts, 'convênio' is used in both countries.

You should ask: 'Você atende pelo convênio [Name of your plan]?' or 'Quais convênios vocês aceitam?'

No. It is also used for university partnerships (intercâmbio), internship agreements (estágio), and government funding deals.

It is the physical or digital ID card provided by your health insurance company that you must show at the clinic.

It means you are a 'particular' patient and will have to pay the full price for the consultation or procedure out of pocket.

Yes, companies can switch providers or cancel the benefit, which is called 'rescisão de convênio'.

It is a formal agreement between two institutions to work together on a project, like a research study or a cultural event.

It is a masculine word: 'o convênio'.

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