SulAmérica
- Company typePrivate
- Founded1895
- HeadquartersBrasil, Brazil
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
SulAmérica firmographics
Firmographics- Name
- SulAmérica
- Legal name
- SulAmérica Seguros de Pessoas e Previdência S.A.
- Website
- https://portal.sulamericaseguros.com.br
- Company type
- Private
- Founded year
- 1895
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
SulAmérica industry classification
Industry- Product category
- Health and Life Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)
- akta.pro secondary industry
- Mortality (Life) Reinsurance (FSAOAAAA)
Keywords
Where SulAmérica is headquartered
LocationHeadquarters
- HQ city
- Brasil
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
SulAmérica business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain, Infrastructure
Revenue model
- Health Insurance Premiums: Recurring premium payments from corporate and individual health insurance policies, representing the core revenue stream. Premiums are collected on a monthly or annual basis depending on the policy terms.
- Dental Insurance Premiums: Recurring premium revenue from dental insurance plans offered to both individual and corporate clients, with individual plans starting around R$50/month.
- Life Insurance Premiums: Revenue from life insurance products providing coverage and financial protection to policyholders and their beneficiaries.
- Pension and Investment Products: Revenue from pension plans and investment-related insurance products, generating fees and recurring revenue from managed client assets.
- Travel Insurance Premiums: One-time and short-term travel insurance policies providing coverage for trip cancellations, medical emergencies, and travel-related risks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual and Family Health Plans |
| Per seat | Monthly | Corporate Health Insurance |
| Subscription | Monthly | Individual Dental Plans |
| Per seat | Monthly | Corporate Dental Plans |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
SulAmérica product offering
Product offeringCore offering
SulAmérica is a diversified Brazilian insurance company selling health, dental, life, travel, pension, and investment products to both corporate employers and individual consumers. Core revenue is generated from recurring insurance premiums and asset-based fees, with the company covering over 7 million lives through a network of 14,000+ hospitals, 22,000+ dentists, and 50,000+ insurance brokers. The company is owned by Rede D'Or São Luiz, Latin America's largest hospital operator.
Product overview
SulAmérica operates as a diversified insurance and healthcare company offering an integrated portfolio across health, dental, life, travel, pension, and investment products. The company架构 comprises multiple product lines: Health insurance is offered through three lines (Linha SulAmérica as the flagship, Linha Vital for optimized cost-benefit, and Linha Profissões for regulated professionals); Dental insurance through SulAmérica Odonto with individual and enterprise plans; Life insurance with individual products (Vida Flex, Acidentes Pessoais Flex/Estagiários) and group products (Você Empresa, Capital Global, Prestamista); plus Travel insurance, Pension, and Investment products. Supporting digital infrastructure includes mobile apps (SulAmérica Saúde and Odonto), digital health services (Saúde na Tela telemedicine, LabIN home collection), and online customer portals. The company serves over 7 million clients through a network of 14,000+ healthcare facilities, 22,000+ dentists, and partnerships with over 50,000 insurance brokers.
Differentiator
Problem solved
Functional benefit
Brands
- SulAmérica Saúde: Planos de saúde empresariais e individuais com rede credenciada de hospitais, clínicas e laboratórios
- SulAmérica Odonto
- SulAmérica Vida
- SulAmérica Investimentos
- Linha SulAmérica
- Linha Vital
- Linha Profissões
- Vida Flex
- Capital Global
- Você Empresa
- Prestamista
- Acidentes Pessoais Flex
- Acidentes Pessoais Estagiários
- Saúde na Tela
- SulAmérica LabIN
Products and services
- Linha SulAmérica (Health Insurance) Flagship health insurance line offering personalized plans for corporate groups (starting at 3 lives) and individuals, with flexible accommodation choices and access to SulAmérica's largest provider network of hospitals, clinics, and laboratories with national coverage.
- Linha Vital (Health Insurance) Health insurance line providing access to a curated network of reference hospitals and specialists at optimized cost-benefit, available from 3 lives with national coverage and flexible accommodation choices.
- Linha Profissões (Professionals Health & Life Insurance) Specialized combined health (hospital including maternity) and life insurance for regulated professionals including physicians, dentists, lawyers, engineers, pharmacists, architects, and real estate agents. Includes bundled life insurance with death coverage between R$100k and R$500k.
- SulAmérica Odonto (Dental Insurance) Dental insurance offering individual and enterprise plans with network of 22,000+ affiliated dentists across 1,100 municipalities, serving 3 million beneficiaries. Features digital ID card, reimbursement options, and pharmacy discounts; individual plans start at approximately R$50/month.
- Seguro Viagem (Travel Insurance) Travel insurance for domestic and international travel covering medical expenses, 24h telemedicine in Portuguese, flight delays, and baggage loss. Plans available for Schengen visa requirements (30,000 euro minimum coverage) and US travel.
- Vida Flex (Customizable Life Insurance) Fully customizable individual life insurance with modular coverage and assistance services covering death (natural or accidental), permanent disability, and serious illnesses. Includes integral care benefits such as psychological support, nutritionist, personal fitness, and funeral services.
- Acidentes Pessoais Flex (Personal Accident Insurance) Individual accident insurance providing indemnification for accidental death or permanent disability, with flexible payment options and assistance services including Médico na Tela Familiar telemedicine.
- Acidentes Pessoais Estagiários (Intern Personal Accident Insurance) Accident insurance designed for early-career professionals balancing study and work, providing coverage for accidental death and permanent disability with individual funeral assistance.
- Você Empresa (Group Life Insurance) Flexible group life insurance for enterprises starting at 3 lives, offering customizable coverage for death, disability, serious illness, and exclusive assistance including Médico na Tela (24/7 telemedicine), residential assistance, and family funeral services.
- Capital Global (SME Group Life Insurance) Simplified group life insurance ideal for SMEs with global capital model, starting at 5 lives, eliminating monthly life movement reports through a single global capital calculation at time of claim.
- Prestamista (Creditor Life Insurance) Creditor life and disability insurance protecting installment commitments by guaranteeing debt repayment in case of borrower's death or permanent disability, with flexible capital modalities (fixed, variable, or linked).
- Previdência Privada (Private Pension) Private pension products including PGBL and VGBL plans for retirement savings and investment, available through SulAmérica Investimentos.
- SulAmérica Investimentos (Investment Products) Investment products including fixed income funds, private credit, and multimarket funds offered through SulAmérica Investimentos DTVM, a wholly-owned investment subsidiary.
- Cuidado 360º (Integrated Care Bundle) Integrated offering launched in December 2025 that combines Saúde (Health), Odonto (Dental), and Vida (Life) insurance products under a single umbrella, expanding from individual product lines into unified care solutions for corporate and individual customers.
Quantifiable outcome
- Over 7 million lives covered across Brazil
- +2 more outcomes
Companies that use SulAmérica
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
SulAmérica technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
SulAmérica partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights4 records
SulAmérica competitors and assessment
Company assessmentDirect peers
- Hapvida NotreDame Intermedica: Largest vertically-integrated health insurer and hospital operator in Brazil, offering health plans to millions of beneficiaries. Direct competitor in the group and individual health insurance market where SulAmérica competes most heavily.
- Amil: Major Brazilian health insurance carrier owned by UnitedHealth Group. Direct competitor across individual, corporate, and SME health plans with overlapping provider networks and similar product structure to SulAmérica's Saúde line.
- Unimed: Largest Brazilian cooperative health insurance system, offering health plans nationwide through regional Unimed operators. Competes head-to-head with SulAmérica across individual, SME, and corporate group health segments.
Broad incumbents
- Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest banks. Offers group health, dental, life, and pension products that compete with SulAmérica's employer-sponsored portfolio, leveraging captive bank distribution.
- Porto Seguro: Diversified Brazilian insurance group with health, dental, life, and auto lines. Competes with SulAmérica in health and dental group benefits and uses similar broker-driven distribution.
- BB Seguros: Insurance arm of Banco do Brasil with broad life, health, dental, and pension offerings. Competes for corporate and individual customers through bank channels and brokers across Brazil.
- Itaú Seguros: Insurance and pension arm of Itaú Unibanco offering life, health, and pension products with similar employer-sponsored positioning to SulAmérica, distributed through bank's corporate and retail channels.
Regional players
- MAPFRE Brasil: Brazilian subsidiary of Spanish global insurer MAPFRE. Offers life, health, dental, and other personal lines that overlap with SulAmérica's portfolio, primarily serving the Brazilian market.
- Tokio Marine Brasil: Brazilian subsidiary of Japanese global insurer Tokio Marine. Offers life, accident, and group benefits products that compete with SulAmérica's life and group insurance lines in Brazil.
- Zurich Brasil: Brazilian subsidiary of Swiss global insurer Zurich. Offers life, accident, and group insurance products competing with SulAmérica in corporate group benefits and individual life segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
SulAmérica social profiles
Digital presenceSulAmérica compliance and trust
Trust signalCompliance2 records
SulAmérica financial estimates
Financial estimateRevenue estimate
Valuation estimate
SulAmérica leadership team
Management profileNumber of profiles
Profiles5 records
SulAmérica subsidiaries and ownership
Company hierarchySubsidiaries4 records
SulAmérica funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SulAmérica M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SulAmérica
What does SulAmérica do?
SulAmérica is a diversified Brazilian insurance company selling health, dental, life, travel, pension, and investment products to both corporate employers and individual consumers. Core revenue is generated from recurring insurance premiums and asset-based fees, with the company covering over 7 million lives through a network of 14,000+ hospitals, 22,000+ dentists, and 50,000+ insurance brokers. The company is owned by Rede D'Or São Luiz, Latin America's largest hospital operator.
Is SulAmérica a public or private company?
SulAmérica is a private company. It is classified as corporate owned and is currently operating.
When was SulAmérica founded?
SulAmérica was founded in 1895. It employs 1,001 to 5,000 people.
Where is SulAmérica based?
SulAmérica is headquartered in Brasil, Brazil, in the Latin America region.
How does SulAmérica make money?
Five revenue lines are on record. Health Insurance Premiums are the primary driver. The others are dental Insurance Premiums, life Insurance Premiums, pension and Investment Products and travel Insurance Premiums.
Who are SulAmérica's main competitors?
Direct peers on record are Hapvida NotreDame Intermedica, Amil and Unimed. Broad incumbents are Bradesco Seguros, Porto Seguro, BB Seguros and Itaú Seguros. Regional players are MAPFRE Brasil, Tokio Marine Brasil and Zurich Brasil.
Does SulAmérica have an API?
No public API is recorded for SulAmérica.
What industry is SulAmérica in?
SulAmérica's product category is Health and Life Insurance. Its primary akta.pro industry code is FSAIAFAB, Self-Funded (ASO) Group Health Plans & Stop-Loss, with a secondary code of FSAOAAAA, Mortality (Life) Reinsurance. Its NAICS code is 52411 and its SIC code is 6311.