Unihosp

What Unihosp does

Unihosp, operating commercially as Humana Saúde, is a Brazilian health insurance operator (operadora de planos de saúde) and subsidiary of Grupo Athena. Founded in 1998 and headquartered in São Luís, Maranhão, the company sells multi-tiered health insurance plans to both individual/family (pessoa física) and corporate (pessoa jurídica / PME) customers across six Brazilian states: Piauí, Maranhão, Rio Grande do Norte, Paraná, Rio Grande do Sul, and São Paulo. Humana Saúde maintains a market leader position in Piauí and claims over 1.1 million beneficiaries served by a network of more than 2,900 credentialed doctors and 500+ service providers.

The company's product portfolio is organized into tiered plans (Vital, Superior, Premium, Platinum, Gold, Ideal, Ambulatorial, Infinity) that differ by coverage scope (ambulatory-only vs. ambulatory+hospital+obstetrics), accommodation type (shared enfermaria vs. private apartamento), and geographic reach (municipal, regional, or national). Plan pricing varies by state and tier, ranging from R$62.88 to R$437.44/month, with most plans structured on a monthly subscription model with coparticipation components. Add-on modules include telemedicine services (Telemedicina) with coparticipation exemption, dental plans (Humana Odonto, Sempre Vida Odonto) at approximately R$3.53/month, and pharmacy discount partnerships offering up to 50% on registered medications. All plans are registered with ANS (Agência Nacional de Saúde Suplementar), Brazil's national health agency.

The business operates through a regional sales-led and direct-to-consumer GTM model, with state-specific landing pages, dedicated 0800 phone lines, WhatsApp-based lead capture, and physical regional offices in São Paulo, Caxias do Sul, Natal, Teresina, Maringá, Marechal Cândido Rondon, and São José do Rio Preto. Revenue is generated through recurring monthly premiums with coparticipation adjustments. The company is privately held under Grupo Athena, with no public listing, venture capital, or PE investment disclosed. The group is managed internally through an analytics dashboard branded "Athena Saúde Analytics," and the corporate structure spans multiple regional entities with distinct CNPJs.

Name

Unihosp

Legal name

Humana Saúde

Website

https://unihosp-ma.com.br

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

Unihosp (operating as Humana Saúde) is a Brazilian health insurance operator under Grupo Athena, selling multi-tiered medical, dental, and telemedicine plans to individual and corporate customers across six Brazilian states, serving over 1.1 million beneficiaries.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industry

Dental Insurance (FSAIAHAA)

Keywords

• Health insurance plans
• Medical coverage
• Corporate health benefits
• Individual health plans
• Healthcare network

Headquarters

HQ city

São Luís

HQ country

Brazil

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly premium payments from individual/family (pessoa física) and enterprise (pessoa jurídica) health insurance plans. Plans include coparticipation components where beneficiaries pay percentage or fixed fees for consultations, exams, and procedures.
2. Dental Plan Add-ons: Optional dental plan add-ons (Humana Odonto) bundled with medical plans, adding R$3.53/month to monthly premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Unihosp, operating as Humana Saúde under the Athena group, is a Brazilian health insurance operator (operadora de planos de saúde) selling multi-tiered health insurance plans to individuals/families (pessoa física) and corporate clients (pessoa jurídica/PME) across multiple states. Plans vary by coverage level (ambulatory-only vs. ambulatory+hospital+obstetrics), accommodation type (shared vs. private apartment), and geographic scope (municipal, regional, or national), with options for copayment, telemedicine inclusion, dental add-ons, and pharmacy discount programs.

Product overview

Unihosp operates as Humana Saude, a health insurance operator under the Athena group offering a multi-tiered portfolio of health plans across multiple Brazilian states. The product portfolio consists of core health insurance tiers (Vital, Superior, Premium, Platinum, Gold, Ideal, Infinity, Ambulatorial) organized by regional markets including Sao Paulo, Rio Grande do Sul, Rio Grande do Norte, Piaui, Parana (Maringa/Londrina/Marechal), Maranhao (Sao Luis/Imperatriz), and Rio Preto. Plans are differentiated by coverage level (ambulatory-only vs. ambulatory+hospital+obstetrics), accommodation type (shared room vs. private apartment), copayment structure (complete vs. basic), and geographic scope (municipal, regional, or national). Add-on modules include telemedicine services, dental plans (Humana Odonto), and pharmacy discount programs. The company serves both individual/family (PF) and business/corporate (PJ/PME) segments with plans registered with ANS (Brazilian National Health Agency).

Differentiator

Problem solved

Functional benefit

Brands

• Humana Odonto: Dental health plan offered as an add-on to medical insurance plans, including Humana Odonto NE Essencial and Humana Odonto S Essencial.
• Sempre Vida Odonto
• Sempre Vida

Products and services

• Vital (São Paulo)
• Superior (São Paulo)
• Premium (São Paulo)
• Ideal RS
• Ambulatorial Caxias
• Superior RS
• CP Premium Nacional (RN)
• CP Vital Natal
• CP Superior (RN)
• Platinum (RN1)
• Gold (RN1)
• Vital Piauí
• Premium Nacional Piauí
• Platinum Piauí
• Gold Piauí
• Infinity Piauí
• Superior Maringá
• Ideal Maringá
• Ambulatorial Maringá
• Premium Nacional Paraná
• Superior Londrina
• CP Vital Maringá
• Vital Marechal
• Ideal Marechal
• Superior Oeste PR
• Vital MCR
• Ideal Rio Preto
• Superior R2 Rio Preto
• CP Premium II Plus São Luís
• CP Vital São Luís
• CP Premium II Plus Imperatriz
• Telemedicina (Telemedicine)
• Humana Odonto
• Farmácia Discount Program

Quantifiable outcome

• 2,900+ credited doctors and 500+ service providers in network
• +3 more outcomes

Named customers6 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

Feature2 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Farmácias PanvelminorOthersPharmacy discount partnership offering beneficiaries discounts on medications at Panvel pharmacy chain locations in Rio Grande do Sul.
• Athena Saúde (Grupo Athena)coreOthersParent company of Humana Saúde. Humana Saúde operates as a health insurance operator under the Athena group, consolidated in Northeast Brazil and expanding to other regions.

Scale indicators6 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Hapvida Saúde: Brazil's largest vertically-integrated health insurance operator with ~16% market share, combining its own hospital/clinic network with health plan products. Directly comparable to Humana as a multi-state carrier offering individual and corporate plans with owned provider infrastructure.
• Prevent Senior: São Paulo-focused health insurance operator known for verticalized care delivery and competitive pricing. Closely comparable to Humana's mid-tier positioning and a direct competitor in Humana's new Rio Preto / São Paulo expansion territory.
• Unimed: Brazil's largest cooperative health insurance system, with 350+ regional Unimed cooperatives offering individual and corporate plans. Highly comparable regional model with strong local brand recognition and direct provider networks, mirroring Humana's regional playbook.
• Porto Seguro Saúde: Mid-tier Brazilian health insurance carrier serving individuals and businesses across multiple states. Comparable to Humana in target customer segment, multi-state footprint, and product tier structure.

Broad incumbents

• Amil: Major Brazilian health insurance operator owned by UnitedHealth Group, offering nationwide individual, family, and corporate plans across all price tiers. Larger-scale incumbent with broader geographic reach and broader product portfolio than Humana.
• NotreDame Intermédica: Vertically-integrated health insurance operator with strong presence in São Paulo and the Southeast, combining own-network hospitals with health plan products. Direct competitor for Humana's expansion into São Paulo and Rio Preto markets.
• SulAmérica Saúde: One of Brazil's largest health insurance carriers, serving individual and corporate customers with national coverage including the South and Southeast. Comparable to Humana's Premium Nacional product line and competes in Rio Grande do Sul and São Paulo.
• Bradesco Saúde: Insurance arm of Bradesco Seguros, offering individual and corporate health plans across Brazil with strong brand recognition. Competes with Humana for mid-market corporate customers and offers comparable dental add-ons (Bradesco Dental).

Emerging players

• OdontoPrev: Brazil's largest dental insurance carrier, with nationwide coverage and strong corporate and individual dental plans. Directly comparable to Humana Odonto and a benchmark for Humana's dental add-on growth trajectory.

Regional players

• São Francisco Saúde: Regional health insurance operator focused on São Paulo and the Southeast, with owned hospital and clinic infrastructure. Comparable to Humana as a regional operator with verticalized care delivery and a competitor in Humana's new SP/Rio Preto territory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/unihospma
• Instagraminstagram.com/humanasaudesul
• LinkedInlinkedin.com/company/unihospma

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 Unihosp