Amep Freguesia Operadora De Plano De Saude

What Amep Freguesia Operadora De Plano De Saude does

AMEP Freguesia Operadora de Plano de Saude Ltda (AMEP Saude) is a private Brazilian health insurance operator regulated by ANS (Agencia Nacional de Saude Suplementar), founded in 2003 as part of Grupo AMEP. The company specializes in ambulatory-only (outpatient) health insurance plans, deliberately excluding inpatient/hospital admission coverage, and serves approximately 20,000 beneficiaries across two customer segments: individuals and families (Pessoa Fisica) and small-to-medium businesses (Pessoa Juridica) in the Rio de Janeiro metropolitan region, with a concentration in the western and northern zones.

The company operates a vertically integrated care model combining an own-provider network of five facilities — Freguesia, Madureira, Pechincha (CIM), CHAJ Jacarepagua (the flagship hospital), and Taquara — with an extended credentialed network of laboratories (Rio Labor), diagnostic imaging (SOS Scan, Dimagem), rehabilitation (URMI), and other specialty providers. Plan tiers range from Smart (starting R$64.71/month corporate, R$115.32/month individual) through Light and Ideal to Premium (R$95.00/month corporate), differentiated by geographic coverage scope and benefit richness. The technology stack includes a proprietary iOS/Android mobile application with biometric login, digital ID card, and token-based authorization, a web-based beneficiary portal, a lead-capture landing page, and TISS (Troca de Informacoes em Saude Suplementar) webservice integration compliant with ANS regulatory standards.

AMEP generates revenue through recurring monthly premiums across individual and corporate contracts, supplemented by coparticipation on certain services and commercial pharmacy partnerships (FARMEP at 15% discount, Drogarias Pacheco up to 30% discount) that extend the value proposition. Distribution is multi-channel: dedicated sales/administrative branches in Pechincha and Taquara, phone sales, WhatsApp Business, insurance brokers (corretores), and digital advertising (Google Ads, Facebook/Instagram pixels). The company is privately held with no venture capital, private equity, or public ownership disclosed, and publishes annual financial statements and IDSS performance scores for transparency under ANS oversight.

Name

Amep Freguesia Operadora De Plano De Saude

Legal name

AMEP Freguesia Operadora de Plano de Saúde Ltda

Website

https://amepsaude.com.br

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

AMEP Saude is a private Brazilian ANS-regulated health plan operator offering ambulatory-only outpatient insurance to individuals and SMBs across Rio de Janeiro, serving 20,000+ beneficiaries through its own integrated clinic and hospital network.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Insurance Agencies and Brokerages (524210), Other Ambulatory Health Care Services (6219)

SIC

Hospital & Medical Service Plans (6324), Services-Offices & Clinics Of Doctors Of Medicine (8011)

akta.pro industry

PRIMARYFSAIAEAD

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

SECONDARYHLAFABAA

Ambulatory Specialty Clinics (Multi-Specialty & Single-Specialty)

Healthcare & Life Sciences/Healthcare Providers & Systems/Ambulatory & Outpatient Care Centers

Keywords

• Outpatient health insurance
• Ambulatory health plans
• Corporate health insurance
• Individual health plans
• Healthcare provider network

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums (Planos de Saude): AMEP Saude generates revenue primarily through recurring monthly premiums paid by individual (pessoa fisica) and corporate/business (pessoa juridica) beneficiaries for outpatient (ambulatorial) health insurance plans. Plans are available in multiple tiers (Smart, Light, Ideal, Premium) with geographic coverage varying by plan level. The company also earns co-payment (coparticipacao) on certain services as defined per contract.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

AMEP Saúde operates as an ANS-regulated ambulatory (outpatient-only) health insurance provider serving the Rio de Janeiro metropolitan region. The company sells tiered individual and corporate health plans (Smart, Light, Ideal, Premium) and delivers care through an integrated network of five own facilities—including the CHAJ hospital, multi-therapeutic CIM centers, and diagnostic clinics—augmented by credentialed partners and supported by digital tools (mobile app, virtual ID card, token authorization).

Product overview

AMEP Saúde operates as an ambulatory (non-hospitalization) health insurance operator offering individual and business health plans. The product portfolio consists of three main plan tiers (Smart, Light/Ideal, Premium) for both individual (Pessoa Física) and business (Pessoa Jurídica) segments, differentiated by geographic coverage areas and included benefits. The company differentiates through its extensive own care network including hospitals, clinics, laboratories, and medical offices in the West Zone and North Zone of Rio de Janeiro. Complementary offerings include a mobile application with digital services (biometric login, virtual ID card, token authorization), pharmacy discount programs (FARMEP at 15% and Drogarias Pacheco at up to 30%), and a benefits club. All plans operate under the TISS (Troca de Informações em Saúde Suplementar) standard for healthcare information exchange.

Differentiator

Problem solved

Functional benefit

Products and services

• AMEP Saúde Smart (Individual) Ambulatory (outpatient-only) health insurance plan for individuals and families, with coverage in the West and North zones of Rio de Janeiro. Includes virtual ID card, online access to lab reports, broad contracted network, humanized service, and benefits club access.
• AMEP Saúde Light (Individual) Ambulatory health insurance plan for individuals with broader geographic coverage across Rio de Janeiro and Grande Rio compared to the Smart plan. Provides access to consultations across various specialties and examinations through the own, referenced, and contracted care network.
• AMEP Saúde Ideal (Business/Empresarial) Ambulatory health insurance plan for businesses (pessoa jurídica) with coverage in Rio de Janeiro and Grande Rio. Provides access to consultations across various specialties and examinations through AMEP's broad contracted network, with lower per-beneficiary pricing than individual plans.
• AMEP Saúde Premium (Business/Empresarial) Ambulatory health insurance plan for businesses with the broadest geographic coverage across Rio de Janeiro and Grande Rio. Offers access to consultations across all specialties, low/medium/high-complexity exams and procedures through the broad contracted network, and includes pharmacy discounts.
• AMEP Saúde Smart (Business/Empresarial) Ambulatory health insurance plan for businesses (pessoa jurídica), covering the West and North zones of Rio de Janeiro. Lowest price point in the corporate portfolio for subscribers aged 0-18 years.
• AMEP Saúde Mobile App Proprietary mobile application for AMEP Saúde beneficiaries available on iOS (App Store) and Android (Google Play). Features biometric login, digital ID card, simplified registration, cadastral updates, health monitoring, immediate invoice generation, care network search with filters, and token-based secure authorization for health service approvals.
• FARMEP Pharmacy Discount Program Pharmacy benefit providing AMEP Saúde beneficiaries a 15% discount on compounded (manipulated) medications at FARMEP, a compounding pharmacy partner.
• Drogarias Pacheco Pharmacy Discount Program Pharmacy benefit offering AMEP Saúde beneficiaries discounts of up to 30% on medications at Drogarias Pacheco, a national Brazilian pharmacy chain.

Quantifiable outcome

• 20,000+ satisfied clients served
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered minor and core.

• FARMEP - Farmacia de ManipulacaominorOthersFARMEP is a compounding pharmacy (farmacia de manipulacao) offering AMEP Saude beneficiaries a 15% discount on manipulated medications. The partnership provides an exclusive pharmacy benefit enhancing the health plan offering.
• Drogarias PachecominorOthersNational pharmacy chain Drogarias Pacheco offers AMEP Saude beneficiaries discounts of up to 30% on medications. This partnership extends the value of AMEP health plans beyond clinical care.
• URMI (Unidade de Reabilitacao e Medicina Integrada)coreTechnology or IntegrationURMI is listed as a key excellence partner in AMEP Saude's Premium plan materials, providing integrated rehabilitation and medical services within the AMEP provider network. Located in Madureira, Rio de Janeiro.
• CHAJ - Centro Hospitalar AMEP JacarepaguacoreStrategic or Co-development PartnerCHAJ is AMEP Saude's flagship own hospital facility in the Jacarepagua/Taquara region, serving as a core pillar of the proprietary care network. It features emergency, diagnostic, and outpatient services.
• Rio LaborcoreTechnology or IntegrationRio Labor is a laboratory services partner referenced in AMEP Saude's Premium plan network, providing diagnostic laboratory testing across the provider network.
• SOS ScancoreTechnology or IntegrationSOS Scan is an imaging/diagnostics partner of AMEP Saude, providing diagnostic imaging services (radiology, ultrasound, etc.) as part of the provider network.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• SulAmérica: Major national health insurer with comprehensive plans (outpatient + hospitalization) serving individual, corporate, and SME segments. Competes in Rio's mid-to-upper tier market with broader provider networks and stronger brand.
• Bradesco Saúde: Bradesco's health insurance arm offering individual, family, and corporate plans nationally with strong financial backing and brand recognition. Competes with AMEP for corporate clients in Rio's SMB segment via bank-channel distribution.
• Hapvida NotreDame Intermedica: Major Brazilian health plan operator with vertically integrated provider network model similar to AMEP's owned-network approach. Brazil's largest health insurance group competing for corporate and individual members nationally with rapidly expanding Rio presence.
• Amil: One of Brazil's largest health plan operators (UnitedHealth Group subsidiary) with strong Rio de Janeiro presence and full hospitalization + outpatient coverage. Competes directly with AMEP for individual and corporate customers across all tiers.

Direct peers

• Unimed Rio: Regional cooperative health plan operator serving Rio de Janeiro with similar product portfolio (individual and corporate plans) and own/credentialed provider network model. Direct head-to-head competitor in the same geography serving SMBs and individuals.
• Assim Saúde: Regional Rio de Janeiro health plan operator referenced in AMEP's network service notices. Direct competitor in the same metropolitan market with similar product offerings, ambulatory coverage focus, and provider network approach.
• Memorial Saúde / Salutar: Related regional health operator in Rio de Janeiro ([email protected] appears in AMEP's official contacts). Likely part of broader Memorial/Salutar group with similar Rio regional focus and integrated provider network approach.

Regional players

• Prevent Senior: Regional health plan operator focused on senior segment in São Paulo with vertically integrated owned provider network. Comparable business model (operator + owned network) but different geography and demographic focus.
• Assimed: Brazilian ambulatory-only health plan operator offering individual and corporate plans similar to AMEP's product model. Comparable outpatient-focused approach though operating primarily in São Paulo rather than Rio.

Emerging players

• Sami: Brazilian health plan startup offering affordable individual and corporate plans with digital-first experience. Competes for SMB and individual segments where AMEP also plays, though Sami operates nationally with a lower-cost digital-native model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/amep-freguesia-operadora-de-plano-de-saude

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Amep Freguesia Operadora De Plano De Saude