What Cartao de TODOS does

Cartao de TODOS (legal entity TODOS Empreendimentos LTDA, CNPJ 04.644.515/0001-85) is a privately held Brazilian subscription-based discount card service headquartered in Ipatinga, Minas Gerais. The company sells a R$33.40/month membership card that grants Brazilian families access to a curated network of discounted healthcare services — including medical consultations (R$30 general practice, R$40 most specialties), exams (up to 70% off across 4,000+ exam types), dental care (350 dental clinics), and medications (up to 35% off at Droga Raia and Drogasil). The core distribution is the AmorSaude partner clinic network with 500+ units across 53 medical specialties, supplemented by 12,000+ partner establishments for cashback and lifestyle discounts (pharmacies, optical stores, gas stations, restaurants, supermarkets).

The technology layer is centered on a mobile application (iOS and Android, 4.6/4.9 app store ratings) that enables appointment booking with CEP-based clinic search, teleconsultation routing through AmorSaude clinics, cashback accrual via invoice scanning, Ultragaz gas cylinder ordering with free delivery, and Energia de TODOS utility bill processing. Distribution is primarily direct-to-consumer via the website (adesao.cartaodetodos.com.br), mobile app, 0800 phone lines, and WhatsApp, with a separate corporate B2B channel for employer-sponsored benefits. Sports fans are reached through Cartao de TODOS Esportes, a dedicated sub-brand with 16 football club partnerships including Flamengo, Corinthians, Sao Paulo, Vasco, and Cruzeiro.

Revenue is generated through two primary streams: (1) recurring monthly subscription fees of R$33.40 per cardholder, and (2) transaction-based co-pays and partner referral fees from consultations, exams, and dental services. The business has expanded through wholly-owned subsidiaries into adjacent verticals: Refuturiza (employment and education), Energia de TODOS (renewable energy with 12% cashback), TODOS Esportes (sports fan benefits), and IPS Cartao de TODOS (international expansion into Colombia). The company is reported to serve 18+ million members across 7+ million families in Latin America with 5,001-10,000 employees, operating without disclosed external institutional investment.

Name

Cartao de TODOS

Legal name

TODOS Empreendimentos LTDA

Website

https://cartaodetodos.com.br

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Cartao de TODOS is a Brazilian subscription discount card (R$33.40/month) serving 18+ million members across 7+ million families, providing access to discounted healthcare (consultations, exams, dental, medications) through 500+ AmorSaude clinics and 12,000+ partner establishments nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Ipatinga

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Subscription: Customers pay a recurring monthly fee of R$33.40 for the Cartão de TODOS membership card, which grants access to discounted healthcare, education, leisure, and cashback benefits across the partner network.
2. Healthcare Consultations & Exams: Members pay reduced out-of-pocket fees for consultations (R$30–R$40) and exams (up to 70% discount) at partner clinics, with Cartão de TODOS receiving a share from partner clinics for referral volume.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Cartao de TODOS is a subscription-based discount membership card priced at R$33.40/month that gives Brazilian families access to discounted medical consultations (from R$30), exams (up to 70% off), dental care, and medications (up to 35% off at Droga Raia and Drogasil) through a network of 500+ AmorSaúde partner clinics and 12,000+ partner establishments. Members also receive cashback, sports ticket discounts, energy bill savings, and funeral assistance benefits, with the mobile app serving as the primary interface for booking, cashback tracking, and partner purchases.

Product overview

Cartão de TODOS is a subscription-based discount membership platform offering Brazilian families access to affordable healthcare and lifestyle benefits. The core product is the physical/digital discount card providing up to 75% off medical consultations (starting at R$30), dental care, laboratory exams (4,000+ types), and medications at partnered pharmacy chains. The platform operates through a mobile app that enables appointment scheduling, cashback management, and partner transactions. The ecosystem includes specialized modules for sports fan benefits (Cartão de TODOS Esportes with 15+ football club partnerships), renewable energy discounts (Energia de TODOS), and an education/employment platform (Refuturiza). A companion clinic network called AmorSaúde provides over 500 partner facilities across 53 medical specialties. The service is expanding internationally through the IPS de TODOS initiative in Colombia.

Differentiator

Problem solved

Functional benefit

Brands

• Cartão de TODOS Sonhos: Capitalisation-title based savings and lottery promotion product issued in partnership with VIA Capitalização S.A.
• Cartão de TODOS Esportes
• Energia de TODOS
• Refuturiza
• IPS Cartão de TODOS

Products and services

• Cartão de TODOS Membership Discount Card
• Cartão de TODOS Mobile App
• Teleconsulta (Teleconsultation Service)
• AmorSaúde Clinic Network
• Cartão de TODOS Esportes (Sports Fan Membership)
• Refuturiza (Employment & Education Platform)
• Energia de TODOS (Energy Cashback Benefit)

Quantifiable outcome

• Members save up to 75% on healthcare services
• +5 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• AmorSaúdecoreStrategic or Co-development PartnerAmorSaúde is the flagship clinic partner network providing 500+ medical and dental clinic units across Brazil. Cartão de TODOS members access consultations from R$30–R$40, 4,000 types of exams, 53 specialty areas, and 350 dental clinics through the AmorSaúde network. The partnership is central to the company's healthcare value proposition.
• Droga RaiacoreGTM or Marketing PartnerDroga Raia pharmacy chain offers Cartão de TODOS members up to 35% discount on medications plus cashback on purchases. One of two primary pharmacy partners (alongside Drogasil).
• DrogasilcoreGTM or Marketing PartnerDrogasil pharmacy chain offers Cartão de TODOS members up to 35% discount on medications plus cashback on purchases. One of two primary pharmacy partners (alongside Droga Raia).
• UltragazminorGTM or Marketing PartnerUltragaz LP gas cylinder provider offers Cartão de TODOS members 12% cashback on gas cylinder purchases ordered through the app, plus free delivery.
• RefuturizaminorStrategic or Co-development PartnerRefuturiza is an online employment and education platform (refuturiza.com.br) integrated into the Cartão de TODOS ecosystem, offering language courses, job listings, personal development, animation, and design courses to members.
• Energia de TODOSminorGTM or Marketing PartnerEnergy utility partner offering Cartão de TODOS members 12% cashback on electricity bills and access to 100% renewable/clean energy, available in select regions.
• Football Clubs (16 clubs)minorGTM or Marketing PartnerCartão TODOS Esportes partners with 16 Brazilian football clubs — Atlético, Bahia, Corinthians, Coritiba, Cruzeiro, Flamengo, Fluminense, Náutico, Remo, Sampaio Corrêa, Santa Cruz, São Paulo, Sport, Vasco da Gama, Vitória, and ABC — offering fans discounts on tickets, merchandise, and exclusive fan experiences through dedicated sub-sites.
• IPS de TODOS (Colombia)minorStrategic or Co-development PartnerIPS de TODOS is the international expansion of the Cartão de TODOS model to Colombia, applying the same discount card concept to bring healthcare, education, and leisure services to neighboring Latin American countries.
• Via Capitalização S.A. (VIACAP)minorStrategic or Co-development PartnerVia Capitalização S.A. is the capitalization society that issues the capital titles (títulos de capitalização) backing the Cartão de TODOS Sonhos promotional sweepstakes, approved by SUSEP (process 15414.652565/2025-49).

Scale indicators11 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• SulAmérica Saúde: Major Brazilian health insurance provider offering individual, family, and corporate plans with growing outpatient focus. Comparable incumbent competing for Brazilian consumers seeking affordable private healthcare access.
• OdontoPrev: Brazilian dental plan leader offering subscription-based dental coverage through partner networks. Comparable subscription model with clinic-network aggregation, focused on the dental vertical that Cartão de TODOS covers via 350 dental clinics.
• Bradesco Saúde: Brazilian health insurance arm of Banco Bradesco, offering individual, family, and corporate plans. Larger regulated incumbent whose popular-tier plans could encroach on Cartão de TODOS' addressable market.
• Hapvida NotreDame Intermedica: Largest Brazilian health plan operator with vertical integration across clinics, hospitals, and outpatient services. Larger, regulated incumbent that competes for the same popular-segment outpatient demand as Cartão de TODOS, particularly in outpatient consultations and exams.
• Amil: Major Brazilian health plan operator with broad individual, family, and corporate plans. Competes indirectly for the same consumer wallets as Cartão de TODOS, particularly in the lower-tier outpatient coverage segment.

Direct peers

• Blink Health: US digital health company offering discounted prescription medications through a partner-pharmacy network and online platform. Comparable to Cartão de TODOS' pharmacy discount partnership with Droga Raia and Drogasil.
• Brasil Convênios: Brazilian healthcare plan and discount provider with broad individual and corporate coverage. Competes in the affordable healthcare access segment in Brazil with similar emphasis on consultations, exams, and partner-clinic networks.
• SingleCare: US healthcare discount card offering reduced prices on prescriptions, dental, vision, and medical visits via partner network. Operates a similar partner-aggregator model targeting uninsured and underinsured consumers with no underwriting requirements.
• Allcare: Brazilian healthcare discount and benefits operator offering medical, dental, and wellness discounts to individual and corporate clients. Direct domestic competitor in the same discount-card niche targeting Brazilian consumers seeking affordable healthcare.
• GoodRx: US-based subscription and free healthcare discount platform offering reduced prices on prescriptions and medical services. Closest international analog to Cartão de TODOS' subscription discount model, with a paid membership tier (GoodRx Gold) that mirrors the R$33.40/month value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cartaodetodosbrasil
• LinkedInlinkedin.com/company/cartao-de-todos
• Instagraminstagram.com/cartaodetodosbrasil
• Xx.com/cartaotodos

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cartao de TODOS