What Unimed bh does

Unimed Belo Horizonte (Unimed-BH) is a Brazilian health insurance cooperative founded in 1970 and headquartered in Belo Horizonte, Minas Gerais. Owned by 5,400 member physicians (médicos cooperados), the cooperative serves individuals, families, micro-entrepreneurs, small businesses (up to 29 lives), and large enterprises (30+ lives) through a tiered plan portfolio: entry-level Unifácil, mid-tier Unimed Pleno, flexible Unipart Flex, digital-first Bem Digital, MEI/SMB Unifácil Flex, and premium Unimax. Complementary products include dental plans (via Unimed Odonto and Odontoprev partnerships), 24-hour ambulance service, aeromedical transport, Unibaby maternal-infant program, family protection insurance, and Unimed Seguros products. The company is registered with Brazil's national supplementary health regulator ANS under number 34.388-9 and has maintained maximum IDSS (Índice de Desempenho da Saúde Suplementar) ratings for multiple consecutive years.

The operating model combines an owned provider network—hospitals, maternities, emergency care, health promotion centers, laboratories, and diagnostic centers (Rede Própria)—with national reach through Sistema Unimed covering 2,500+ hospitals and 200+ emergency care points. Technology infrastructure centers on a mobile application (Aplicativo Unimed-BH) with facial biometric authentication, 24/7 online consultations (Consultas On-line), and a customer portal, supported by the Horizontes Hub. Distribution operates through a hybrid model: insurance brokers (corretores), own retail stores, telephone sales (4020-4020), WhatsApp, mobile app, and an e-commerce portal for online plan contracting.

Revenue is generated primarily through recurring monthly subscription premiums for health and dental plans, supplemented by optional service fees. Pricing is not publicly disclosed and varies by segment, tier, and number of lives. The company employs 10,000+ people, has received 31-time Top of Mind recognition in health plans, and reports 80% customer satisfaction (8 of 10 members rating their plan as very good or good). Subsidiaries include the wholly-owned nonprofit Instituto Unimed-BH (social and cultural programs) and Unimed Sete Lagoas (regional operations).

Name

Unimed bh

Legal name

Unimed Belo Horizonte

Website

https://portal.unimedbh.com.br

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Unimed Belo Horizonte is a Brazilian health insurance cooperative serving individuals, families, and businesses across Minas Gerais with tiered health and dental plans, a network of 5,400 cooperative physicians, and 310+ owned provider facilities.

Ownership category

akta.pro rank

Headquarters

HQ city

Uberlândia

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Planos de Saúde (Health Insurance Premiums): Monthly subscription-based health insurance premiums from individual, family, MEI/small business, and corporate plans. Multiple plan tiers including Unifácil, Unimed Pleno, Unipart Flex, Bem Digital, and Unimax.
2. Planos Odontológicos: Dental insurance plans offered as standalone or add-on services through Unimed Odonto and partnerships with Odontoprev.
3. Serviços Opcionais: Optional services including aeromedical transport, family protection insurance (temporary coverage maintenance), and Unimed Seguros products.
4. Serviços de Ambulância 24h: Emergency ambulance services with proprietary fleet available 24/7.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core offering

Unimed-BH is a health insurance cooperative that sells and administers a portfolio of medical and dental health plans (Unifácil, Unimed Pleno, Unipart Flex, Bem Digital, Unifácil Flex, Unimax) to individuals, families, micro-entrepreneurs, and corporate clients in Minas Gerais, Brazil, providing access to a network of 5,400 cooperative doctors and 310+ hospitals, clinics, and laboratories. The offering is delivered through owned hospitals, diagnostic centers, and emergency care units, supported by a mobile app, 24/7 telemedicine, ambulance services, and aeromedical transport. Additional services include the Unibaby maternal program, health promotion groups, dental plans via Unimed Odonto and Odontoprev, and family protection coverage.

Product overview

Unimed-BH operates as a comprehensive health insurance operator offering a portfolio of health and dental insurance plans for individuals, families, and businesses. The core product portfolio includes Unifácil, Unimed Pleno, Unipart Flex, Bem Digital, Unifácil Flex, and Unimax plans. These are complemented by a mobile app platform enabling appointment scheduling, online consultations, and service access. Optional add-on services include 24-hour ambulance, aeromedical transport, Unibaby maternal program, dental plans (Unimed Odonto and Odontoprev partnerships), and family protection insurance. The company also maintains an extensive owned provider network including hospitals, maternities, emergency care, and diagnostic centers, with access to the national Unimed system covering 2,500+ hospitals. The Instituto Unimed-BH manages social responsibility initiatives.

Differentiator

Problem solved

Functional benefit

Brands

• Unifácil: Health insurance plan brand for individuals and families
• Unimed Pleno
• Unipart Flex
• Unimax
• Bem Digital
• Unibaby
• Unimed Odonto
• Mude1Hábito

Products and services

• Unifácil Entry-level individual and family health insurance plan offering essential medical coverage with access to the Unimed-BH provider network in Minas Gerais, billed monthly.
• Unimed Pleno Mid-tier health insurance plan with broader coverage and benefits for individuals, families, and small businesses, billed monthly.
• Unipart Flex Flexible health insurance plan with customizable coverage options for individuals and corporate groups, billed monthly.
• Bem Digital Digital-first health insurance plan emphasizing online medical consultations and digital health management tools for individuals and families.
• Unifácil Flex Flexible health insurance plan designed for micro-entrepreneurs (MEI) and small companies with up to 29 employees.
• Unimax Comprehensive health insurance plan for MEI and small businesses (up to 29 lives) with extensive coverage options and broader network access.
• App Unimed-BH Mobile application (iOS and Android) for Unimed-BH customers enabling online and in-person appointment scheduling and cancellation, specialist agenda viewing, credentialed network search, exam results access, invoice payments, authorization requests, online consultations, and facial biometric login.
• Consultas On-line (Online Consultations) 24/7 telemedicine service providing online medical consultations with board-certified physicians, available nationwide via the Unimed-BH app or web platform.
• Unibaby Specialized maternal and infant health program offering guidance and support for expectant mothers and newborns enrolled in Unimed-BH plans.
• Serviço de Ambulância 24h 24-hour ambulance service with specialized teams for pre-hospital emergency care, available throughout the Unimed-BH coverage area.
• Grupos de Promoção da Saúde Health promotion groups offering special programs for chronic conditions, pregnant women, and wellness management from birth through senior years for Unimed-BH beneficiaries.
• Transporte Aeromédico National aeromedical transport service for emergency cases requiring hospital transfers, offering different resource capabilities as an optional add-on.
• Plano Odontológico Unimed-BH Dental insurance plan with access to a nationwide network of dentists and oral health coverage options, available as a standalone or add-on to health plans.
• Proteção Familiar Family protection benefit functioning as insurance that maintains temporary health plan coverage for up to 5 monthly payments in case of the primary subscriber's income loss.
• Rede Própria Unimed-BH Owned provider network of hospitals, maternities, emergency care units, health promotion centers, laboratories, and diagnostic centers delivering exclusive healthcare services to Unimed-BH beneficiaries.
• Espaço do Cliente (Customer Portal) Online customer portal providing access to medical guides, invoice payments, authorization requests, exam results, payment statements, and service requests for Unimed-BH beneficiaries.
• Instituto Unimed-BH Wholly-owned social responsibility institute promoting social development, cultural projects, arts education, and community citizenship initiatives linked to Unimed-BH.
• Unimed Odonto Dental plan brand offered by Unimed-BH in partnership with the Unimed system, providing oral health coverage with national network access and a dedicated mobile app.
• Odontoprev (Partner Dental Plan) Partner dental plan brand offering additional dental coverage with access to a national network of dental providers, distributed through Unimed-BH.

Quantifiable outcome

• 80% customer satisfaction rate - 8 in 10 customers rate their plan as very good or good
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• System Unimed (National Network)coreOthersNational network of Unimed cooperatives providing coverage across 2500+ hospitals and 200+ emergency care points throughout Brazil for urgency and emergency services.
• Farmácias Pague MenosminorGTM or Marketing PartnerPharmacy partnership offering exclusive flu vaccine discounts to Unimed-BH customers at Pague Menos pharmacy chain locations.
• Unimed OdontocoreChannel Partner/ Reseller/ DistributorDental plan partnership offering standalone or add-on dental coverage with nationwide dentist network accessible through dedicated mobile app.
• OdontoprevminorChannel Partner/ Reseller/ DistributorAlternative dental plan partnership providing additional options for dental coverage with nationwide access through dedicated app.
• Unimed SegurosminorGTM or Marketing PartnerInsurance products partnership offering Unimed-branded insurance solutions including life and protection insurance.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hapvida NotreDame Intermedica: Brazil's largest vertically-integrated health insurance operator with owned hospitals and clinics. Directly comparable to Unimed-BH as a health insurer with provider network assets serving individuals, families, and corporate clients across Brazil.
• Omint: Premium-positioned Brazilian health insurer serving high-end individual, family, and corporate clients. Comparable in ANS-regulated product structure, network-based service model, and emphasis on quality-of-care credentials.
• Amil: Major Brazilian health insurance operator owned by UnitedHealth Group, offering individual, family, and corporate plans with broad provider networks nationwide. Comparable in product breadth, customer segments, and regulatory exposure to Unimed-BH.
• SulAmérica: One of Brazil's largest independent health insurers with diversified portfolio across health, dental, and group life. Comparable corporate, SME, and individual segments plus cross-sell of ancillary products, similar to Unimed-BH's positioning.
• Bradesco Saúde: Bradesco group's health insurance arm, strong in corporate and SME segments with wide provider networks. Direct competitor to Unimed-BH in the Brazilian supplementary health market with comparable plan tiering and distribution.
• Porto Seguro Saúde: Porto Seguro group's health insurance line offering individual, family, and corporate plans with broker-led distribution. Comparable in distribution model (heavy broker reliance) and product segmentation to Unimed-BH.

Regional players

• Unimed São Paulo: Another large Unimed cooperative serving São Paulo state. Operates the same cooperative model and product tiers as Unimed-BH but in a different geography, providing a structural reference for cooperative-system economics.
• Unimed Rio: Regional Unimed cooperative serving Rio de Janeiro state. Same cooperative structure, ANS-regulated product set, and brand as Unimed-BH but geographically distinct, useful for benchmarking regional cooperative performance.

Others

• Unimed Seguros: Insurance arm of the Unimed system offering life and other protection products. Operates within the same cooperative ecosystem and partners with Unimed-BH on optional services like family protection, making it a related ecosystem participant.
• Unimed Central Nacional: National coordinating body of the Unimed cooperative system of which Unimed-BH is a member. Provides shared brand, technology, and national emergency network — not a commercial competitor but a strategic enabler and structural peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/unimedbh
• YouTubeyoutube.com/unimedbh
• Facebookfacebook.com/unimedbh
• LinkedInlinkedin.com/company/unimedbh/?originalSubdomain=br
• Instagraminstagram.com/unimedbh/?hl=en

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Unimed bh