Filóo Saúde

What Filóo Saúde does

Filóo Saúde (legal entity: FILOO LICENCIAMENTO DE SOFTWARE S.A., CNPJ 13.509.469/0001-00) is a Brazilian healthtech founded in 2018 and headquartered in São Paulo. The company operates a subscription-based health discount platform that provides individuals and small/medium businesses an alternative to traditional private health insurance, addressing the segment of Brazilians who depend on the public SUS system. Its core offering consists of two card tiers — Essencial at R$14.90/month and Premium at R$39.90/month — granting up to 80% discounts on in-person and teleconsultations, lab tests, imaging, medications, and vaccines, with Premium adding unlimited free 24/7 urgent-care teleconsultations and lower-priced specialist teleconsultations starting at R$59.

The underlying platform is a proprietary health-technology stack that supports booking and coordination of healthcare services (in-person appointments, teleconsultations, diagnostics), a geolocated digital provider network ("Rede Credenciada") covering 180+ Brazilian cities, a virtual health-card credit system ("Cartão Filóo") loadable by users or third parties, and an integrated telemedicina module. Filóo's most strategically important technology component is its white-label platform, which licenses the full stack to enterprise partners such as DASA and Hapvida so they can operate their own branded health-card products. Complementary modules include Plano Odontológico (dental, via Hapvida, ANS reg. 471474141), Programa NR1 – Saúde Emocional (psychosocial risk management aligned to Brazilian NR-1 workplace regulation), an insurance package (funeral, life, accidental disability, residential), a pet plan, a discount club, and the preventive-medicine sub-brand Saudii Medicina Preventiva.

Filóo monetizes through recurring individual/family/corporate subscriptions, usage-based fees on specialist teleconsultations and in-network services, recurring white-label licensing to enterprise partners, commissions from the affiliate program ("Programa Parceiro Filóo"), and intermediation on add-on products. Its go-to-market combines a product-led self-serve consumer funnel (website/app checkout) with an enterprise sales motion targeting SMEs (Filóo Saúde Empresarial) and large corporates, plus channel distribution through associations, cooperatives, unions (e.g., CIEE, Fenacon, Sport Clube Recife, Exército Brasileiro, União Brasil), and a white-label B2B2C channel. The company holds B Corp and Great Place to Work certifications and operates a non-profit affiliate, Instituto Horas da Vida, that has served over 2 million people through free health benefits and provides ESG/social-impact credentials for B2B sales.

Name

Filóo Saúde

Legal name

FILOO LICENCIAMENTO DE SOFTWARE S.A.

Website

https://filoo.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Filóo Saúde is a São Paulo-based Brazilian healthtech operating a subscription health-card platform (R$14.90–R$39.90/month) that gives individuals and SMEs up to 80% discounts on consultations, exams, medications, and telemedicine, with white-label licensing to enterprise partners including DASA and Hapvida.

Ownership category

akta.pro rank

Product category

Healthcare Discount Platform

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Telephone Call Centers (56142)

SIC

Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324)

akta.pro industry

PRIMARYHLALAAAH

Membership/Subscription Concierge Virtual Care

Healthcare & Life Sciences/Telehealth Platforms/Direct-to-Consumer Virtual Care Platforms

SECONDARYHLAEALAJ

Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

Keywords

• Health discount cards
• Telemedicine platform
• Corporate health benefits
• Healthcare marketplace Brazil
• White label healthtech

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Subscription Plans (Essencial & Premium): Monthly/annual subscription fees for individual health card plans. Essencial plan at R$14.90/month and Premium plan at R$39.90/month for individuals, with optional family add-ons and corporate plans with custom pricing. Minimum contract period of 12 months with cancellation penalties.
2. Telemedicina / Specialist Consultations: Per-consultation revenue from scheduled specialist teleconsultations. Filóo charges a platform licensing fee (markup) applied as an additional amount on the consultation value, which is passed to the health professional. Specialist teleconsultations start at R$68.00 (Essencial) and R$59.00 (Premium). Cancellation fees apply for no-shows and late cancellations.
3. White Label Licensing: Revenue from licensing the proprietary health platform to enterprise partners (health operators, pharmacy chains, clinics, hospitals, labs) who offer health card products under their own brand. Partners include DASA and Hapvida. The company maintains brand, controls commercial strategy, and generates recurring revenue.
4. Plano Odontológico (Dental Plan Commission): Revenue from intermediating dental insurance plans with national coverage (ANS registration 471474141), including consultations, preventive exams, emergency care, and additional dental procedures. Offered as an add-on to health card plans. The dental plan is operated through Hapvida.
5. Partner Affiliate Program: Revenue shared with affiliate partners who connect opportunities with their networks, generate business, and earn commissions or markup on each sale. Partners include associations, cooperatives, and individual influencers.
6. Add-on Products (Insurance, Pet Plans, Discount Club): Optional add-on products including funeral assistance, life insurance, accidental disability insurance, residential insurance, pet health plans, discount clubs, and emotional health services, all sold at individual rates on top of base subscriptions.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Filóo Saúde operates a subscription-based health discount card platform that gives Brazilian consumers and corporate clients immediate access to up to 80% discounts on medical consultations, lab tests, imaging exams, medications, and vaccines, plus integrated telemedicine services. The platform supports individual plans (Essencial and Premium), family add-ons, corporate plans, and white-label deployments to healthcare operators like DASA and Hapvida, backed by a proprietary technology stack and a national credentialed provider network.

Product overview

Filóo Saúde is a health technology platform offering subscription-based health discount cards as an alternative to traditional health insurance. The core portfolio consists of two subscription tiers—Essencial (R$14.90/month) and Premium (R$39.90/month)—providing up to 80% discounts on consultations, exams, medications, and vaccines, plus telemedicine access. These are complemented by optional add-on modules including dental plans, pet insurance, emotional health programs, insurance packages, and discount clubs. The platform also operates a White Label program enabling partners (such as DASA and Hapvida) to deploy branded health solutions, and offers a corporate channel (Filóo Saúde Empresarial) for employee benefit programs. A subsidiary brand, Saudii Medicina Preventiva, provides preventive medicine plans.

Differentiator

Problem solved

Functional benefit

Brands

• Saudii Medicina Preventiva: White label health platform operated by Filóo technology for Saudii brand, offering preventive medicine plans.
• Filoo (alternative spelling)

Products and services

• Filóo Essencial Entry-level health subscription card priced at R$14.90/month providing up to 80% discounts on medications, in-person and online consultations, lab tests, imaging exams, and vaccines; includes scheduled specialist teleconsultations starting at R$68 per session. No waiting period.
• Filóo Premium Premium health subscription card priced at R$39.90/month including all Essencial benefits plus unlimited free 24/7 online urgent care consultations with general practitioners and pediatricians, with specialist teleconsultations starting at R$59.
• Cartão Familiar Filóo (1+3) Family add-on plan extending an individual card to up to 1+3 dependents starting at R$29.80/month additional, allowing inclusion without proof of family relationship.
• Filóo Saúde Empresarial Customizable corporate health benefit solution offering team-tailored health cards to reduce absenteeism, increase productivity, and improve organizational climate, with custom pricing based on team size and selected benefits.
• Filóo White Label Platform White-label technology licensing enabling businesses (health operators, pharmacy chains, clinics, hospitals, labs) to launch their own branded health card products using Filóo's complete platform infrastructure, provider network, and operations. Customers include DASA, Hapvida, and ACS.
• Telemedicina Filóo Integrated telemedicine service enabling online consultations with doctors, psychologists, nutritionists, physiotherapists, and speech therapists via video; includes free 24/7 urgent care teleconsultations on the Premium plan.
• Rede Credenciada Filóo National network of credentialed healthcare providers, clinics, laboratories, and pharmacies offering services to Filóo subscribers with discounts; spans over 180 cities across Brazil with 100% digital credenciamento.
• Programa NR1 – Saúde Emocional Customizable emotional health program for employees aligned with Brazilian NR-1 workplace safety regulations, providing psychological support and mental health care for corporate clients.
• Plano Odontológico Optional dental plan add-on offering emergency and preventive care with national coverage through partner operator Hapvida (ANS registration 471474141), including consultations, preventive exams, and urgency services.
• Pacote de Seguros Optional insurance bundle add-on including funeral assistance, life insurance, accidental disability, and residential insurance with additional transportation and lodging support services.
• Saudii Medicina Preventiva Preventive medicine sub-brand operated via Filóo's white-label technology for Saudii, offering plans including Saudii Essencial (R$120/month), Saudii Mulher Essencial (R$140/month), and Saudii Mulher Essencial Plus (R$180/month).
• Programa Parceiro Filóo (Affiliate Program) Affiliate partner program enabling individuals, influencers, and businesses to refer customers and earn commissions or markup on each sale; partners include associations, cooperatives, and individual resellers.

Quantifiable outcome

• Over 2 million people served with free health benefits through Instituto Horas da Vida
• +3 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Sebrae ConectacoreGTM or Marketing PartnerFilóo is a featured partner in Sebrae's Conecta program, which connects small businesses with digital tools. Filóo offers health card solutions to Sebrae's SME clients with a 10% discount. The partnership provides Filóo access to Sebrae's extensive network of small business owners and entrepreneurs, while enabling Sebrae's clients to offer health benefits to employees. Dedicated landing pages exist on both platforms.
• Hapvida OdontocoreOEM/ Whitelabel/ Licensing PartnerHapvida operates the dental plan (ANS registration 471474141) offered as an add-on to Filóo's health cards. Filóo acts as distributor for Hapvida's dental products while also using Hapvida's network for dental services. Hapvida additionally uses Filóo's white label technology to offer health products under its own brand.
• DASAcoreOEM/ Whitelabel/ Licensing PartnerDASA uses Filóo's white label platform technology to offer its own health card product, expanding its portfolio and generating new revenue streams. DASA appears in Filóo's customer logos and is cited in the white label landing page as a flagship partner.
• Instituto Horas da VidacoreStrategic or Co-development PartnerInstituto Horas da Vida is the social arm of Filóo, dedicated to ESG impact and social programs. Founded over 10 years ago, it has provided free health benefits to over 2 million people. The institute operates independently but is closely affiliated, contributing to corporate ESG narratives and enabling Filóo to offer ESG-positive outcomes to enterprise clients.
• ACS (Assistência à Saúde)minorOEM/ Whitelabel/ Licensing PartnerACS (Assistência à Saúde) partners with Filóo for white label health solutions. ACS is shown in Filóo's partner logo section on the white label page.
• SalaryFitsminorGTM or Marketing PartnerSalaryFits appears in Filóo's customer logo section. SalaryFits is a fintech providing salary advances and benefits, likely partnering on cross-selling or data insights. Data from SalaryFits/Serasa cited showing 80%+ of professionals desire health benefits.
• SERASAminorGTM or Marketing PartnerSERASA appears in Filóo's customer logo section. Serasa is a major Brazilian credit bureau. Partnership likely involves corporate employee benefits or data/marketing collaboration.
• ParafuzominorGTM or Marketing PartnerParafuzo appears in Filóo's customer logo section. Parafuzo is a fintech/home services platform, likely a corporate client or cross-promotion partner.
• JeittominorGTM or Marketing PartnerJeitto appears in Filóo's customer logo section. Jeitto is a digital financial services company, likely a corporate client offering health benefits to customers/employees.
• TrizyminorGTM or Marketing PartnerTrizy appears in Filóo's customer logo section. Trizy is a technology/consumer platform, likely a corporate client or partnership for health benefit offerings.
• RappiminorOthersRappi (rappibank) appears in Filóo's customer logo section. Rappi Bank is a digital bank, likely a corporate client offering Filóo health benefits to its customers or employees.

Scale indicators6 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Dr. Consulta: Dr. Consulta is a Brazilian healthtech operating a network of clinics plus a digital platform offering consultations, exams, and telemedicine at discounted prices to consumers and employers. It is the closest direct competitor to Filóo's discount-health-card-plus-telemedicine model with similar target segments and GTM.
• Sami: Sami is a Brazilian healthtech offering affordable corporate health plans via a digital-first model with provider networks and telemedicine. It directly competes with Filóo's B2B health benefits offering for SMB employers seeking alternatives to traditional health insurance.
• Conexa Saúde: Conexa is a leading Brazilian telemedicine and integrated corporate health platform serving employers with online consultations, mental health, and wellness programs. Strong overlap with Filóo's telemedicine and NR-1 compliance offerings, especially in B2B.

Emerging players

• Vitta: Vitta is a Brazilian digital health benefits management platform focused on corporate clients, centralizing employee health benefits, telemedicine, and wellness in one app. Comparable in addressing SMB/corporate health benefits via a digital subscription model.
• Memed: Memed is a Brazilian digital health platform offering electronic prescriptions, telemedicine, and patient management for doctors and pharmacies. Partial overlap with Filóo's provider-side digital tooling and clinical workflow integration.
• Zenklub: Zenklub is a Brazilian B2B mental health platform providing corporate emotional wellness programs, therapy sessions, and NR-1-aligned services. Directly comparable to Filóo's Programa NR1 Saúde Emocional offering for corporate clients.

Broad incumbents

• Hapvida NotreDame Intermédica: Hapvida is one of Brazil's largest health plan operators with vertically integrated clinics, hospitals, and dental coverage (via Hapvida Odonto). It is both a Filóo white-label partner and a broad incumbent against which Filóo positions its discount-card alternative for price-sensitive consumers and SMEs.
• Omint: Omint is a major Brazilian health plan operator offering premium corporate and individual health insurance with integrated provider networks. It represents the traditional insurance incumbent benchmark against which Filóo's affordable, no-waiting-period alternative is positioned.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCjvNhHpW7JaKFCPE2PIuKDA
• Facebookfacebook.com/filoosaude
• LinkedInlinkedin.com/company/filoo
• Instagraminstagram.com/filoosaude/?hl=pt-br

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

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 Filóo Saúde