Unimed Rio Preto

What Unimed Rio Preto does

Unimed São José do Rio Preto, doing business as Unimed Rio Preto, is a medical cooperative (Cooperativa de Trabalho Médico) regulated by ANS (Agência Nacional de Saúde Suplementar) under registration 335100. As part of the broader Unimed Sistema Nacional cooperative network, it operates as a physician-owned health plan provider serving individuals, families, and businesses in the São José do Rio Preto region and broader São Paulo state of Brazil. The company sells four core health plan tiers — Unimed Família (individual/family), Unimed Business (4+ employees), Unimed Empreendedor (1-29 employees), and Unimed Corporativo (30+ employees) — with monthly subscription premiums, coparticipation options (30% or 50%), and procedure-level spending caps.

Revenue is generated through recurring monthly premiums and ancillary subscriptions for supplementary services including SOS Unimed (mobile emergency), Unimed Air (air ambulance), Plano Odontológico (dental), Garantia Funeral (funeral assistance), Acessórios Ortopédicos (orthopedic accessories), and Saúde na Linha (24-hour health hotline). The cooperative supplements its health insurance revenue by operating its own healthcare facilities across multiple cities, including adult and pediatric emergency care, chemotherapy centers, oncology centers, infusion centers, laboratories, vaccination units, home care services, and specialized therapy programs such as MultiTEA and Clínica Lar.

Distribution runs through a multi-channel motion: physical sales offices in regional cities, authorized brokers (corretoras), benefit administrators (administradoras), an online sales portal (vendas.unimedriopreto.com.br) backed by the Planium platform, a corporate sales team for larger accounts, and a digital channel stack comprising the website, mobile application (iOS/Android), Blip.ai-powered Clara chatbot, and WhatsApp for 24/7 service. Pricing is quote-based with ANS-regulated annual adjustment caps (5.11% for individual/family in 2026) and uses the Planium platform for sales simulation. The company maintains a wholly-owned subsidiary, Instituto Unimed Rio Preto, focused on social responsibility and community health initiatives.

Name

Unimed Rio Preto

Legal name

Unimed São José do Rio Preto Cooperativa de Trabalho Médico

Website

https://unimedriopreto.com.br

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Unimed Rio Preto is a physician-owned medical cooperative offering health insurance plans (individual, family, SMB, corporate) and supplementary health services across São José do Rio Preto and São Paulo state, operating owned clinics and emergency facilities with a 1,400+ physician network.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Health Care and Social Assistance (62)

SIC

Services-Health Services (8000)

akta.pro primary industry

CO-OP / Nonprofit Individual Market Plans (HLAEABAH)

akta.pro secondary industry

Event Medical Services & Standby Coverage (HLAFANAG)

Keywords

• Health insurance plans
• Medical cooperative
• Supplementary health services
• Corporate health coverage
• Healthcare provider network

Headquarters

HQ city

São José do Rio Prêto

HQ country

Brazil

HQ region

Latin America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly premium payments from individual, family, and corporate health insurance plans with various coparticipation options
2. Supplementary Health Services: Additional services including dental plans, orthopaedic accessories, funeral guarantee, SOS emergency services, and air ambulance services

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Unimed Rio Preto is a regional medical cooperative health insurance operator offering four health plan tiers (Unimed Família, Unimed Corporativo, Unimed Business, Unimed Empreendedor) with 30% or 50% coparticipation models and monthly spending caps. Supplementary services include SOS Unimed emergency response, Unimed Air ambulance, Saúde na Linha health hotline, Plano Odontológico dental coverage, orthopedic accessories, and Garantia Funeral, delivered through a network of more than 1,400 affiliated physicians and own healthcare facilities across São José do Rio Preto and surrounding regions.

Product overview

Unimed Rio Preto operates as a health insurance cooperative (operadora de plano de saúde) offering a coordinated portfolio of health insurance products and supplementary services. The core offering consists of four health plan tiers (Unimed Família, Unimed Corporativo, Unimed Business, Unimed Empreendedor) designed for different market segments from individuals to large enterprises. Supplementary services include emergency response (SOS Unimed, Unimed Air), dental coverage, a health advice hotline, orthopedic equipment access, and funeral guarantees. The company also provides digital services through a customer portal and mobile app, along with a network of own healthcare facilities including emergency care, laboratories, vaccination centers, chemotherapy, and oncology services. The platform is enhanced by an AI chatbot (Clara) for customer service.

Differentiator

Problem solved

Functional benefit

Products and services

• Unimed Família Individual and family health insurance plan with flexible copayment options (30% or 50%) and monthly spending caps for financial protection, sold directly to consumers with regional and national coverage scope.
• Unimed Corporativo Corporate health insurance plan for companies with 30 or more employees, offering copayment options of 30% or 50% with cost ceilings per procedure.
• Unimed Business Business health plan for companies with 4 or more employees, with 30% or 50% copayment options and state or national coverage scope.
• Unimed Empreendedor Entrepreneur health insurance plan for companies with 1-29 employees, offering copayment options of 30% or 50% with monthly spending limits for cost control.
• SOS Unimed 24-hour emergency mobile service with trained professionals, ICU-equipped ambulances, and telephone health guidance, available as a separately enrolled add-on.
• Unimed Air Air ambulance service for ICU patient transport when local medical facilities are insufficient, with national coverage and adult, pediatric, and neonatal ICU aircraft.
• Saúde na Linha 24-hour health hotline staffed by doctors and nurses offering medical guidance, symptom assessment, specialist referrals, and COVID-19 support.
• Plano Odontológico Dental plan providing access to qualified professionals for diagnostics, radiology, pediatric dentistry, endodontics, minor surgery, emergency care, prevention, general dentistry, periodontics, and prosthetics.
• Acessórios Ortopédicos Service providing access to over 350 orthopedic accessories and prosthetics for physical rehabilitation, including wheelchairs, walkers, crutches, cervical collars, and bath chairs.
• Garantia Funeral 24-hour funeral assistance service covering urn/coffin, hearse, death certificate, burial or cremation fees, body removal, chapel rental, floral arrangements, and grave site.
• Pronto Atendimento Virtual Virtual urgent care service providing remote medical consultations as an alternative to in-person emergency room visits.
• Instituto Unimed Rio Preto Corporate institute wholly owned by Unimed Rio Preto focused on community health initiatives, sustainability projects, cultural programs, and social responsibility programs.

Quantifiable outcome

• 95% of procedures authorized online for faster service
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature3 records

Partnerships

One partnership is on record.

• Droga Raia and DrogasilcoreStrategic or Co-development Partner · 27 September 2018Partnership with two of the largest pharmacy chains in Brazil providing Unimed Rio Preto clients and affiliated physicians with 30% discount on generic medications and 20% discount on branded medications.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Amil: Major Brazilian health insurer owned by UnitedHealth Group operating nationally. Competes in the same regional and corporate market segments, though Amil serves a much broader geography and benefits from parent company capital and infrastructure.
• Bradesco Saúde: Health insurance arm of Bradesco, one of Brazil's largest private banks. Offers group and individual plans competing for the same enterprise customers, with distribution advantages from the bank's branch network.
• Porto Seguro Saúde: Health insurance arm of Porto Seguro Group, a major Brazilian insurance conglomerate. Overlaps with Unimed Rio Preto in São Paulo state enterprise and individual segments, leveraging cross-sell with auto and home insurance.
• SulAmérica Saúde: National health insurer offering individual, family, and corporate plans. Competitor in São Paulo state enterprise segment with broader geographic reach and established brand in group health benefits.

Direct peers

• Unimed Campinas: Regional Unimed medical cooperative serving Campinas and surrounding São Paulo state municipalities. Highly comparable as a single-state Unimed operator offering individual, family, and corporate plans with own provider network and care delivery infrastructure.
• Unimed Belo Horizonte: Regional Unimed cooperative covering Belo Horizonte metropolitan area in Minas Gerais. Directly comparable cooperative structure with similar plan tiers, supplementary services, and vertically integrated care delivery model.
• Hapvida NotreDame Intermedica: Largest vertically integrated health insurance operator in Brazil following the 2022 merger. Comparable business model combining health plans with owned hospitals, clinics, and diagnostic centers, though at national scale.
• NotreDame Intermedica (pre-merger): Prior to its merger with Hapvida, NotreDame Intermedica operated a comparable vertically integrated health plan + provider network model concentrated in São Paulo state, directly overlapping Unimed Rio Preto's geographic market.
• Unimed São Paulo: Largest Unimed cooperative in Brazil, headquartered in São Paulo capital. Same cooperative model, plan tiers, and supplementary services, though at substantially greater scale and member base.

Others

• Unimed Federação do Estado de São Paulo: State-level federation coordinating Unimed cooperatives across São Paulo. Not a direct competitor but a key ecosystem partner, providing brand standards, inter-cooperative exchange, and regulatory representation that affects Unimed Rio Preto's operating environment.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/unimedriopreto
• YouTubeyoutube.com/user/unimedsjriopreto
• Facebookfacebook.com/unimedriopreto
• LinkedInlinkedin.com/company/unimed-rio-preto
• Instagraminstagram.com/unimedsaojosedoriopreto

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

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 Rio Preto