Amil
Amil is Brazil's largest healthcare organization, providing medical and dental health insurance to over 6 million individual, family, and corporate beneficiaries through an integrated ecosystem of provider networks, proprietary hospitals, emergency transport, and digital health platforms, operating as a UnitedHealth Group subsidiary.
- Company typePrivate
- Founded1978
- HeadquartersRio De Janeiro, Brazil
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Amil does
Amil is the largest healthcare organization in Brazil, providing medical and dental health insurance to over 6 million beneficiaries across individual, family, and corporate segments. Founded in 1978 in Rio de Janeiro, Amil operates a vertically integrated ecosystem spanning its core insurance products (Amil, Amil One, Amil Fácil, Amil Black), Amil Dental, ambulatory care units (Amil Espaço Saúde), emergency medical transport (Amil Resgate), care programs (Cuidadosmil), and telemedicine services. The company serves 480,000+ corporate clients and maintains a provider network of 25,000+ medical and 14,000+ dental practitioners.
Underlying the insurance operations is a digital health platform comprising mobile applications (Amil Clientes), WhatsApp service channels, telemedicine capabilities, facial recognition-based identity verification for reimbursement processing, and a six-digit token security system implemented since August 2017. Amil's emergency transport fleet was completely renewed in 2024 with multimedia systems, real-time navigation, backup cameras, and high-wattage inverters for continuous medical equipment power.
Amil's business model combines recurring monthly subscription premiums for medical and dental coverage with transaction-based revenue from coparticipation fees (e.g., 30% of procedure costs) and out-of-network reimbursement services priced in URA units. Distribution occurs through direct digital self-service, an extensive insurance broker (corretor) network, exclusive on-site agencies at premium hospitals (Einstein, Sírio-Libanês), physical service agencies, and dedicated corporate sales teams. Since 2012, Amil has operated as a wholly-owned subsidiary of UnitedHealth Group.
Amil firmographics
Firmographics- Name
- Amil
- Legal name
- Amil Assistência Médica Internacional S.A.
- Website
- https://amil.com.br
- Company type
- Private
- Founded year
- 1978
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Amil is Brazil's largest healthcare organization, providing medical and dental health insurance to over 6 million individual, family, and corporate beneficiaries through an integrated ecosystem of provider networks, proprietary hospitals, emergency transport, and digital health platforms, operating as a UnitedHealth Group subsidiary.
- Ownership category
- akta.pro rank
Amil industry classification
Industry- Product category
- Supplemental Health Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Health Care and Social Assistance (62)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Skilled Nursing Care Facilities (8051), Services-Health Services (8000)
- akta.pro primary industry
- Dental Insurance (FSAIAHAA)
Keywords
Where Amil is headquartered
LocationHeadquarters
- HQ city
- Rio De Janeiro
- HQ country
- Brazil
- HQ region
- Latin America
Offices17 records
Markets served
Amil business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Medical Health Insurance Premiums: Monthly subscription premiums for health insurance plans with national or regional coverage, including coparticipation options where beneficiaries share a percentage of procedure costs.
- Dental Insurance Premiums: Monthly subscription premiums for dental plans with online contracting available, covering various dental specialties and procedures.
- Coparticipation Fees: Copayment collected from beneficiaries based on percentage of procedure costs (e.g., 30% of consultation fees), applied to consultations, therapies, exams, and hospitalizations.
- Reimbursement Services: Reimbursement of medical expenses for services covered by plans but performed outside the provider network, calculated using URA units multiplied by contractual multiples.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | Coparticipation plans offer reduced monthly premiums with beneficiary cost-sharing |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Amil product offering
Product offeringCore offering
Amil provides medical and dental health insurance plans to individuals, families and corporate clients in Brazil, supported by an integrated care ecosystem of proprietary outpatient clinics (Amil Espaço Saúde), emergency medical transport (Amil Resgate), telemedicine services, and digital self-service portals and mobile apps. The company earns revenue primarily through monthly insurance premiums and coparticipation fees, serving over 6 million beneficiaries across a network of more than 39,000 medical and dental providers.
Product overview
Amil operates as a comprehensive health insurance company offering a multi-brand portfolio of medical and dental health plans. The core product line includes Amil (main medical and dental plans), Amil One and Amil Fácil (accessibility-focused sub-brands), Amil Black (premium segment), and Amil Dental (dental-specific coverage). These are complemented by proprietary care services including Amil Espaço Saúde (ambulatory care units), Amil Resgate (emergency medical transport), Cuidadosmil (health programs), and Telemedicina Amil (digital healthcare). The company serves over 6 million beneficiaries through a network of medical providers, corporate clients, and digital channels.
Differentiator
Problem solved
Functional benefit
Brands
- Amil One: Health plan sub-brand under the new brand architecture launched in 2016.
- Amil Fácil
- Amil Black
- Amil Dental
Products and services
- Amil (Medical Health Insurance Plans) Core Amil-branded medical health insurance plans with national or regional coverage, optional coparticipation, and reimbursement for out-of-network care, serving individuals, families and corporate clients across Brazil.
- Amil Dental Standalone dental insurance plans with online contracting, access to a 14,000+ dental provider network across Brazil, covering dental specialties and procedures including Invisalign orthodontic treatments.
- Amil Black Premium-tier medical health plan offering concierge-style services, priority access, and exclusive coverage, positioned as Amil's flagship high-end product.
- Amil One Premium health insurance sub-brand within the Amil portfolio targeting higher-tier individual and family customers.
- Amil Fácil Health insurance sub-brand focused on accessibility and ease of use within the Amil portfolio.
- Amil Resgate Emergency medical transport service for clinical complex cases, polytraumas, cardiological and neurological emergencies, with land ambulances and helicopters completing 18,000+ patient transfers annually.
- Amil Espaço Saúde Proprietary network of ambulatory care units offering emergency care, complementary exams, multidisciplinary consultations, exclusive care programs and integrated patient history for Amil beneficiaries.
- Cuidadosmil Care programs and care lines covering mental health, weight loss, back pain, smoking cessation, family planning, autism spectrum disorders and other specialized health needs for Amil beneficiaries.
- Telemedicina Amil Telemedicine service providing remote medical consultations and urgent care through digital channels, with coparticipation rules applied equally to virtual and in-person visits.
Quantifiable outcome
- 6+ million beneficiaries served (as of March 2026)
- +4 more outcomes
Companies that use Amil
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Amil technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Amil partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Invisalign (via Amil Dental)coreAmil Dental has a partnership with Invisalign for orthodontic treatments, offering customers access to Invisalign clear aligners through the Amil Dental network with special contracting conditions.
- Conselho Brasileiro de Voluntariado Empresarial (CBVE)minorAmil has been an active member associate of the Brazilian Corporate Volunteering Council (CBVE) since 2013, participating in corporate volunteering initiatives and social responsibility programs.
- HapvidaminorIn a Bank of America investor survey of Brazilian healthcare sector, Amil was cited as a competitive pressure against Hapvida's operating performance, indicating market rivalry in the Brazilian health insurance sector.
- Rede D'OrminorIn a Bank of America investor survey, Rede D'Or was mentioned as being favored by investors while Amil was noted as a competitive pressure, indicating both compete in the Brazilian healthcare market.
Scale indicators13 records
Recent moves7 records
Expansion highlights6 records
Amil competitors and assessment
Company assessmentBroad incumbents
- Humana: Humana is a top US health insurer with a major focus on Medicare Advantage and integrated care delivery. Comparable to Amil in its heavy reliance on government/employer-sponsored health coverage and investments in primary care and pharmacy services.
- Elevance Health (Anthem): Elevance Health is one of the largest US Blue Cross Blue Shield-affiliated health insurers, offering commercial, Medicare, and Medicaid plans. Comparable to Amil in scale, employer-sponsored model, and growing focus on integrated care services through Carelon.
- CVS Health (Aetna): CVS Health, with its Aetna health insurance arm, combines a major payer with retail health clinics, pharmacy benefits management, and primary care (Oak Street, Signify). Like Amil, it is pursuing an integrated retail + insurance + provider model at scale.
- UnitedHealth Group: UnitedHealth Group is Amil's parent company and the largest health insurer in the United States. While operating at far broader scale across commercial, Medicare, and Medicaid insurance plus Optum services, it shares Amil's integrated payer-provider philosophy and provides the strategic and operational backbone for Amil's Brazil operations.
- Cigna Group: Cigna is a global health services company offering commercial health insurance, supplemental benefits, and international health coverage. Comparable to Amil in combining health insurance with supplementary health services and a global footprint, though more focused on employer-sponsored US and expat coverage.
Regional players
- Allianz Care: Allianz Care is the international health insurance arm of Allianz Partners, serving expatriates, corporate clients, and individuals worldwide with comprehensive medical and dental plans. Comparable to Amil in multi-line coverage (medical, dental) and broker-driven distribution, though focused on cross-border rather than domestic Brazilian customers.
- Bupa: Bupa is a leading international health insurance provider with a focus on expatriate, corporate, and individual health plans across multiple geographies including Latin America. Comparable to Amil in offering international health coverage and operating owned clinics, though primarily outside Brazil.
Direct peers
- Bradesco Saúde: Bradesco Saúde is one of Brazil's largest health insurance operators, distributed through Bradesco's banking network and corporate channels. It competes directly with Amil for corporate/PME clients and individual beneficiaries, with comparable plan structures and a strong broker-driven distribution model.
- SulAmérica (Rede D'Or): SulAmérica is a major Brazilian health and dental insurer now controlled by Rede D'Or São Luiz. The combination creates a hospital-anchored insurer directly competing with Amil's integrated insurance + provider model, particularly in the corporate segment.
- Hapvida NotreDame Intermédica: Hapvida is Brazil's largest vertically-integrated health insurer-operator, formed through the merger of Hapvida and NotreDame Intermédica. It directly competes with Amil across health plans, owned hospitals, and outpatient clinics, with comparable scale and a similar strategy of integrating insurance with provider networks.
Market position
Strengths1 record
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Amil social profiles
Digital presenceAmil compliance and trust
Trust signalCompliance3 records
Amil financial estimates
Financial estimateRevenue estimate
Valuation estimate
Amil leadership team
Management profileNumber of profiles
Profiles3 records
Amil subsidiaries and ownership
Company hierarchySubsidiaries14 records
Amil funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Amil 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 Amil
What does Amil do?
Amil provides medical and dental health insurance plans to individuals, families and corporate clients in Brazil, supported by an integrated care ecosystem of proprietary outpatient clinics (Amil Espaço Saúde), emergency medical transport (Amil Resgate), telemedicine services, and digital self-service portals and mobile apps. The company earns revenue primarily through monthly insurance premiums and coparticipation fees, serving over 6 million beneficiaries across a network of more than 39,000 medical and dental providers.
Is Amil a public or private company?
Amil is a private company. It is classified as corporate owned and is currently operating.
When was Amil founded?
Amil was founded in 1978. It employs 5,001 to 10,000 people.
Where is Amil based?
Amil is headquartered in Rio De Janeiro, Brazil, in the Latin America region.
How does Amil make money?
Four revenue lines are on record. Medical Health Insurance Premiums are the primary driver. The others are dental Insurance Premiums, coparticipation Fees and reimbursement Services.
Who are Amil's main competitors?
Broad incumbents on record are Humana, Elevance Health (Anthem), CVS Health (Aetna), UnitedHealth Group and Cigna Group. Regional players are Allianz Care and Bupa. Direct peers are Bradesco Saúde, SulAmérica (Rede D'Or) and Hapvida NotreDame Intermédica.
Does Amil have an API?
No public API is recorded for Amil.
What industry is Amil in?
Amil's product category is Supplemental Health Insurance. Its primary akta.pro industry code is FSAIAHAA, Dental Insurance. Its NAICS code is 524210 and its SIC code is 6411.