Unimed Nacional

What Unimed Nacional does

Unimed Nacional (legal name Unimed CNU — Central Nacional Unimed) is a Brazilian healthcare cooperative founded in 2000, operating as a licensed operadora de planos de saúde under the federal ANS regulator and as a regional affiliate of Sistema Unimed, the largest healthcare cooperative system in the country. The company sells health insurance plans to three core segments — large national corporations (primary), SMEs, and individuals/families — and reports more than two million lives covered, primarily corporate employees, across nine cities in São Paulo, the ABC region, Brasília, São Luís, and several Bahia municipalities.

Its product surface is anchored by the Aplicativo Unimed CNU mobile app, which delivers a medical guide with geolocation, reimbursement requests authenticated via facial recognition, coparticipation statements, authorization tracking, usage statements, and IRPF tax statements. A 24/7 Telemedicine module, accessible through the app and exempt from coparticipation, is layered on top of the core plan offering, alongside a confidential Canal de Denúncias for compliance reporting.

The business model is subscription-based monthly premiums with coparticipation for exams, consultations, and hospitalizations. Distribution is hybrid: partner insurance brokers (corretoras) handle the majority of enterprise and SME sales, while the company supports digital self-service via website, mobile app, and WhatsApp. National coverage outside the home regions is provided through the Intercâmbio Sistema Unimed exchange network. The company has achieved the IDSS 2025 quality rating from ANS and emphasizes its cooperative, member-owned governance model with 25 years of operating history.

Name

Unimed Nacional

Legal name

Unimed CNU

Website

https://unimednacional.coop.br

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Unimed Nacional (Unimed CNU) is a Brazilian healthcare cooperative, founded in 2000 and part of Sistema Unimed, selling individual, family, SME, and corporate health plans covering 2+ million lives across São Paulo, Brasília, Maranhão, and Bahia, supported by a mobile app with telemedicine and facial-recognition reimbursement.

Ownership category

akta.pro rank

Headquarters

HQ city

Echaporã

HQ country

Brazil

HQ region

Latin America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Unimed CNU operates as a health insurance cooperative (operadora de planos de saúde), generating revenue primarily through health plan premiums paid by beneficiaries. The plans include coparticipation requirements for exams, consultations, and hospitalizations, where beneficiaries share a portion of costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Unimed Nacional (Unimed CNU - Central Nacional Unimed) is a healthcare cooperative that sells and administers health insurance plans to individuals, families, small and medium enterprises, and large national corporations across Brazil. The offering is anchored by health plan subscriptions with coparticipation for exams, consultations, and hospitalizations, supported by a mobile application that bundles telemedicine (24/7 video consultations, copay-exempt), a geolocation-based medical guide, facial-recognition-enabled reimbursement, authorization tracking, and usage/IRPF statements. Members also gain access to the broader Sistema Unimed national interchange network for care across all Brazilian regions.

Product overview

Unimed CNU (Unimed Nacional) operates as a health insurance cooperative offering a portfolio of health plans for individuals, SMEs, and large corporate clients, supported by its core digital platform — the Aplicativo Unimed CNU mobile app. The product suite is anchored by the mobile application, which bundles health plan management (authorizations, coparticipation statements, reimbursement, usage and tax statements) alongside specialized modules such as Telemedicina (24/7 video consultation, copay-exempt), the Guia Médico with geolocation, and a confidential reporting channel. Plans are distributed nationally through partner brokers and backed by the Intercâmbio Unimed network for out-of-area coverage. The company has 25 years of operation and covers more than two million lives.

Differentiator

Problem solved

Functional benefit

Products and services

• Planos de Saúde Unimed CNU (Health Insurance Plans) Subscription-based health insurance plans (individuais/familiares, PME, and empresariais) with coparticipation for exams, consultations, and hospitalizations, regulated by ANS and supported by a nationwide Unimed interchange network. Telemedicine is included without coparticipation charges. Pricing is quote-based and varies by coverage level and geography.
• Aplicativo Unimed CNU (Unimed Nacional Mobile Application) Mobile application distributed via Google Play and Apple App Store that enables beneficiaries to access a medical guide with geolocation, request reimbursements using facial recognition, view coparticipation/usage/IRPF statements, track authorizations, and initiate 24/7 telemedicine video consultations, available at no additional coparticipation cost.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Insurance Brokers (Corretoras)coreChannel Partner/ Reseller/ DistributorUnimed CNU has a solid and integral partnership with the best insurance brokers in the country. These brokers handle sales to large national companies as well as small and medium enterprises and individuals in São Paulo, ABC, Brasília, São Luís, Salvador, and other cities. Specialized post-sale teams provide ongoing support for health management.
• Unimed System (Sistema Unimed)coreStrategic or Co-development PartnerUnimed CNU is part of the Unimed system, the largest health insurance cooperative in Brazil. Through this network, beneficiaries have access to healthcare services from affiliated Unimeds throughout the country, ensuring quality care in all regions of Brazil via the national exchange program.
• Google PlayminorChannel Partner/ Reseller/ DistributorUnimed CNU mobile application is distributed through Google Play Store.
• Apple App StoreminorChannel Partner/ Reseller/ DistributorUnimed CNU mobile application is distributed through Apple App Store.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Unimed Seguros: Sister entity within the Sistema Unimed federation offering health and life insurance products. Comparable as a fellow Unimed-system operator with similar cooperative principles and cross-affiliated beneficiary access.
• Care Plus: Premium-tier Brazilian health insurer focused on corporate clients and high-end individuals. Comparable as a corporate-focused health plan operator competing for the same enterprise segment, particularly premium corporate accounts in São Paulo.
• Porto Seguro Saúde: Brazilian health insurer offering individual/family and corporate plans with digital service capabilities. Comparable as a mid-to-large supplemental health operator serving SMEs and individuals with similar coparticipation and app-based service models.
• Omint: Brazilian health insurer offering premium corporate and individual plans. Comparable as a corporate-segment competitor with national coverage and similar coparticipation plan structures targeting large enterprises.

Regional players

• Assim Saúde: Regional Brazilian health insurer operating in selected states with corporate and SME focus. Comparable as a similarly structured regional player offering coparticipation plans with digital servicing — direct overlap in Unimed CNU's footprint.

Broad incumbents

• SulAmérica Saúde: Major Brazilian health insurer offering corporate and individual plans with national provider networks. Comparable as a scaled, established supplemental health operator competing with Unimed CNU in the corporate segment.
• Bradesco Saúde: Health insurance arm of Bradesco, one of Brazil's largest health insurers with strong corporate client base. Comparable as a major corporate-focused health plan operator leveraging a national banking distribution network.
• Allianz Saúde: Global insurer's Brazilian health arm offering corporate and individual plans. Comparable as a multinational-incumbent supplemental health operator with broad geographic reach competing for corporate clients.
• Amil: One of Brazil's largest health insurers, part of UnitedHealth Group. Directly comparable as a corporate and individual health plan provider with national reach and digital service platforms, competing against Unimed CNU for the same enterprise and consumer segments.
• Hapvida NotreDame Intermédica: Brazil's largest health insurance operator (publicly traded on B3), formed via Hapvida-NDI merger. Comparable as a major provider of corporate and individual health plans in Brazil, with vertically integrated provider networks — a broader, investor-owned incumbent versus Unimed CNU's cooperative model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@unimed-cnu
• Facebookfacebook.com/unimedcnuoficial
• LinkedInlinkedin.com/company/unimed-nacional
• Instagraminstagram.com/unimedcnu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Nacional