Medicare

What Medicare does

Medicare is a Portuguese health plan subscription business operated by MED&CR - Serviços de Gestão de Cartões de Saúde, Unipessoal, Lda., a privately-held single-member limited liability company founded in 2006 and headquartered in Lisbon. The company sells subscription-based access to a national network of over 17,500 private healthcare providers, including hospitals, clinics, pharmacies, dental clinics, optics, and laboratories across mainland Portugal and the islands. Its flagship product, the Platinium Mais Vida plan, is priced at less than €9.99 per month per person for six-beneficiary families and offers immediate network access without age limits, medical exams, pre-existing condition exclusions, or waiting periods. Complementary subscription products include Vetecare Platinium (animal health), Medicare Auto (automobile), and Mais Sabor Plus (food/nutrition), with the free Silver Familiar plan serving as a top-of-funnel acquisition tool.

The platform is built around a membership management system with digital credential delivery, iOS and Android mobile applications, an online adhesion portal (aderir.medicare.pt), a customer self-service portal (balcao.medicare.pt), and a dedicated provider portal (prestador.medicare.pt) for the 17,500+ healthcare partners. Service delivery is augmented by 24/7 home doctor visits and telephone medical advice included with plans, alongside video consultations in general medicine, nutrition, and mental health. The Medicare Club loyalty program returns the full monthly subscription as redeemable points with brand partners including Nike, Samsung, LG, Pestana Resorts, and Sephora.

Medicare's go-to-market relies on direct-to-consumer online adhesion, inbound telephone sales (211 165 540), TV presence on SIC and TVI morning programs, and active social media on Facebook, Instagram, YouTube, and LinkedIn. The company reports 1.4M+ customers and is led by CEO David Legrant, with no disclosed external funding, parent company, or institutional investors, suggesting a bootstrapped, founder-controlled operating model. Revenue is generated entirely through recurring subscription fees across the health, animal, auto, and food verticals, with no disclosed financial metrics in the public source material.

Name

Medicare

Legal name

MED&CR - Serviços de Gestão de Cartões de Saúde, Unipessoal, Lda.

Website

https://medicare.pt

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Medicare is a Portuguese subscription-based health plan provider offering individuals and families access to a national network of 17,500+ private healthcare providers without age limits, medical exams, or waiting periods, alongside complementary pet, auto, and nutrition subscription plans.

Ownership category

akta.pro rank

Product category

Health Insurance Plans

NAICS

Health Care and Social Assistance (62), Direct Health and Medical Insurance Carriers (524114)

SIC

Services-Health Services (8000), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Medicare Advantage (MA) Plans (FSAIAGAA)

akta.pro secondary industry

Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)

Keywords

• Health insurance plans
• Pet health plans
• Automobile discount plans
• Loyalty rewards program
• Healthcare provider network

Headquarters

HQ city

Lisboa

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Plan Memberships: Monthly recurring subscription fees for health plans (Platinium, Platinium Mais Vida, Sénior). Fees are fixed regardless of age and provide access to a national network of 17,500+ healthcare providers with negotiated rates.
2. Animal Health Plans (Vetecare): Monthly subscription fees for pet health plans covering veterinary services, food, accessories, and wellness. Offered to both Medicare health plan members (with discounted rates) and standalone customers.
3. Auto Plans (Medicare Auto): Monthly subscription for automobile-related services including fuel discounts, mobility assistance, and workshop network access.
4. Food Plans (Mais Sabor Plus): Subscription for nutritional and food-related discounts through a partner network.
5. Medicare Gift Services: Complimentary services included with new memberships including home doctor visits, medical telephone advice, general clinic consultations at home, free dental treatments, hospital transport, and second medical opinions.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Medicare sells subscription-based health plans that give members access to a national network of over 17,500 private healthcare providers in Portugal at negotiated rates, with fixed monthly fees regardless of age, no medical exams, no waiting periods, and no exclusions for pre-existing conditions. The flagship Platinium Mais Vida plan is supplemented by corporate (Plano Empresas), food/nutrition (Mais Sabor Plus), pet health (Vetecare Platinium), and automobile (Medicare Auto) plans, plus a Medicare Club loyalty program that returns monthly fees as redeemable points.

Product overview

Medicare is a health plan provider operating in Portugal that offers multiple complementary plans built around a core health insurance product (Platinium Mais Vida) connected through a national provider network of over 17,500 partners. The product portfolio includes specialized add-on plans for businesses (Plano Empresas), food/nutrition (Mais Sabor Plus), animal health (Vetecare Platinium), and automotive (Medicare Auto), alongside a loyalty program (Medicare Club) that rewards members with points convertible to partner discounts. Core services include 24/7 house call doctors and telephone medical advice. The company serves over 1.4 million customers across Portugal.

Differentiator

Problem solved

Functional benefit

Brands

• Platinium: Health plan brand offering access to private healthcare providers with negotiated rates
• Platinium Mais
• Platinium Mais Vida
• Vetecare Platinium
• Medicare Auto
• Mais Sabor Plus
• Medicare Club
• Mastercare
• Medicare Gift
• Silver Familiar

Products and services

• Platinium Mais Vida Health Plan Flagship subscription health plan for individuals and families providing comprehensive access to over 17,500 private healthcare providers across Portugal at negotiated rates, with no age limits, no medical exams, no waiting periods, and fixed monthly pricing. Includes 24/7 home doctor visits, video consultations, dental treatments, and loyalty points.
• Plano Empresas (Corporate Health Plan) Health plan for businesses to provide employee health benefits with access to the Medicare provider network, with custom volume-based pricing for companies purchasing coverage for multiple employees.
• Mais Sabor Plus Food and Nutrition Plan Subscription plan offering discounts on food products, nutritional consultations, and healthy eating programs through a partner network of establishments in Portugal.
• Vetecare Platinium Animal Health Plan Monthly subscription pet health plan providing access to veterinary consultations, vaccinations, surgeries, diagnostic tests, pet food, accessories, and wellness services for companion animals including exotic pets, with no age or breed restrictions. Available standalone or as a discounted add-on for existing Medicare health plan customers.
• Medicare Auto Plan Monthly automobile subscription offering fuel discounts at partner stations, mobility assistance, roadside services, and access to a trusted vehicle maintenance workshop network across Portugal.
• Medicare Club Loyalty Program Points-based loyalty program bundled with Medicare subscriptions that returns the full monthly fee as redeemable points for experiences and discounts with partner brands including Nike, Samsung, LG, Pestana Resorts, and Sephora.
• Silver Familiar Free Plan Free basic health plan offering temporary access to the Medicare provider network and benefits without subscription fees, used as a lead generation tool to convert free users to paid Platinium Mais Vida plans.
• Medicare Provider Network (Rede de Prestadores) National network of over 17,500 healthcare and wellness providers in Portugal including hospitals, clinics, pharmacies, dental clinics, optical stores, and audio centers, where Medicare members access services at negotiated rates.
• Home Doctor Service (Médico ao Domicílio) 24/7 house call doctor service included free with Medicare health plan subscriptions for immediate medical attention at the member's home.
• Telephone Medical Advice (Aconselhamento Médico Telefónico) 24/7 telephone medical advice service included with Medicare health plan subscriptions for remote medical consultations and clinical guidance.
• Medicare Mobile App Mobile application available on iOS and Android for managing Medicare health plans, accessing digital membership cards, scheduling appointments, finding providers, and accessing plan services 24/7.

Quantifiable outcome

• Protect your family for less than €9.99/month per person in a 6-beneficiary plan
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Hospital da LuzcoreStrategic or Co-development PartnerMajor private hospital group partnership providing Medicare members with access to Hospital da Luz facilities in Torres de Lisboa and Coimbra. Part of the 17,500+ provider network.
• Lusiadas SaúdecoreStrategic or Co-development PartnerNational private hospital group partner offering Medicare members access to Lusiadas Saúde hospitals and clinics across Portugal.
• Joaquim Chaves SaúdecoreStrategic or Co-development PartnerEstablished healthcare group partner integrated into the Medicare provider network for diagnostic and treatment services.
• AffideacoreStrategic or Co-development PartnerDiagnostic imaging and healthcare services partner providing Medicare members with access to Affidea diagnostic centers.
• Germano de SousacoreStrategic or Co-development PartnerClinical analysis laboratory partner integrated into the Medicare provider network for laboratory testing services.
• SynlabcoreStrategic or Co-development PartnerMedical diagnostic laboratory partner providing Medicare members with access to clinical analysis and diagnostic testing services.
• NikeminorGTM or Marketing PartnerMedicare Club partner brand offering exclusive discounts and experiences to Medicare members through the loyalty points program.
• SamsungminorGTM or Marketing PartnerMedicare Club partner brand offering exclusive discounts and experiences to Medicare members through the loyalty points program.
• LGminorGTM or Marketing PartnerMedicare Club partner brand offering exclusive discounts and experiences to Medicare members through the loyalty points program.
• Pestana ResortsminorGTM or Marketing PartnerMedicare Club partner brand offering accommodation and leisure discounts to Medicare members through the loyalty points program.
• SephoraminorGTM or Marketing PartnerMedicare Club partner brand offering beauty and cosmetics discounts to Medicare members through the loyalty points program.
• OpticaliacoreStrategic or Co-development PartnerOptical retail partner providing Medicare members with access to eyewear products and optical services through the provider network.
• MastercareminorGTM or Marketing PartnerMental health and wellness workshop platform partner offering free access to Medicare members for health content and workshops by certified mentors.
• Galp EvologicminorGTM or Marketing PartnerFuel discount partner for Medicare Auto plan, providing promotional codes for fuel discounts at Galp stations.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Vitality: International health and wellness-incentive insurance provider whose model of integrating rewards/loyalty mechanics with healthcare access closely parallels Medicare's Medicare Club loyalty-driven approach to health plan engagement.
• Careington International: US-based healthcare discount plan company offering subscription-based access to dental, vision, telehealth, and wellness provider networks. Closest US analog to Medicare's discount-card business model, though operating at larger scale.
• Future Healthcare: Portuguese operator of dental and healthcare discount networks serving similar individual/family and corporate customers. Operates the same discount-card-style model as Medicare but concentrated in dental.
• AmeriPlan: US healthcare and lifestyle discount membership company providing subscription access to provider networks for dental, vision, chiropractic, and other services. Operates the same discount-card subscription model as Medicare.
• AdvanceCare: Portuguese health plan and managed-care services provider with a national provider network offering access to private healthcare — the closest direct competitor to Medicare's Platinium Mais Vida in the Portuguese market.

Broad incumbents

• Allianz Care: International health insurance arm of Allianz serving expatriates and globally mobile individuals with provider network-based health plans. Comparable as a broad incumbent in private healthcare access, with deeper capital but a different product structure.
• Bupa: Global health insurance and healthcare provider with a strong Iberian presence. Comparable as a broad incumbent in private health plan access, though Bupa underwrites risk rather than operating a discount-card model.
• Multicare: One of Portugal's largest private health insurers, part of the Fidelidade group, offering individual and corporate health plans with national provider networks. Operates at larger scale but with traditional insurance underwriting rather than a discount-card model.
• Médis: Major Portuguese private health insurer owned by CGD (Caixa Geral de Depósitos), offering individual, family, and corporate health plans with extensive provider networks. A scaled incumbent in the same Portuguese private healthcare access category.

Emerging players

• Docplanner (Doctoralia): European healthcare booking platform operating in Iberia (Doctoralia) connecting patients to providers via online appointment booking. Adjacent emerging player in digital healthcare access that could overlap with Medicare's provider-search and digital card functionality.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/medicare.portugal
• Instagraminstagram.com/medicare_pt
• YouTubeyoutube.com/channel/UCxPqT8T7G5HfU1gN5wU-q8Q
• LinkedInlinkedin.com/company/medicare-portugal

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Medicare