Amil

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.

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

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

• Health insurance plans
• Dental insurance plans
• Supplemental healthcare
• Emergency medical transport
• Telemedicine services

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices17 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. 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.
2. Dental Insurance Premiums: Monthly subscription premiums for dental plans with online contracting available, covering various dental specialties and procedures.
3. 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.
4. 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

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core 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

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Invisalign (via Amil Dental)coreStrategic or Co-development Partner · 1 March 2026Amil 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)minorOthersAmil has been an active member associate of the Brazilian Corporate Volunteering Council (CBVE) since 2013, participating in corporate volunteering initiatives and social responsibility programs.
• HapvidaminorOthersIn 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'OrminorOthersIn 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

Broad 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

• YouTubeyoutube.com/user/amilinstitucional
• Facebookfacebook.com/amil
• LinkedInlinkedin.com/company/amil
• Instagraminstagram.com/amilsaude
• TikToktiktok.com/@amil

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amil