What Tem Saúde does

Tem Saúde is a Brazilian finhealthtech founded in 2015 that operates a prepaid healthcare account platform under the legal entity TEM Administradora de Cartões SA (CNPJ 09.216.007/0001-10). The core product, Conta Saúde, is a card-based prepaid system that grants users access to medical consultations, dental services, and diagnostic exams at negotiated prices through a national network of clinics, laboratories, and dental offices across Brazil. Users pay a small recurring monthly subscription fee and are charged only when services are used, with consultations and exams parcelable in up to 12 installments (minimum R$ 20.00) and no waiting period upon enrollment. The platform extends the core card into a broader health-and-wellness ecosystem through additional modules including TEM Familiar (family coverage for the subscriber plus up to 4 additional members), pharmacy discounts (minimum 20%), Consulta Online (video telemedicine), Orientação em Saúde (telephone-based health guidance), Cuidados Adicionais (nutritionists, psychologists, speech therapists), Coleta Domiciliar (at-home specimen collection for clinical analysis and imaging), and Assistência Funeral (funeral assistance). In May 2023, Tem Saúde announced a merger with healthtech Bella&Materna to add specialized women's health services across life stages, positioning the company as a comprehensive health ecosystem.

The company runs a hybrid B2B2C and direct-to-consumer go-to-market. On the B2B2C side, Tem Saúde partners with corporate buyers including retailers, banks, and insurers that distribute the program as an employee benefit or customer perk. On the B2C side, customers self-serve through the website (meutem.com.br), e-commerce account platform (loja.meutem.com.br), and a phone-based contact center (11 4000 1640 for capitals and metropolitan regions; 0800 836 88 36 for other regions). Marketing channels include a content blog, LinkedIn, Facebook, and Instagram presence, with the contact center as the primary bottom-of-funnel conversion mechanism. Tem Saúde is headquartered at Av. Pres. Juscelino Kubitschek, 1830, Torre 4, 14º andar, Vila Nova Conceição, São Paulo, operates nationally across Brazil with 101-250 employees, is LGPD compliant with a designated Data Protection Officer, and is privately held. The only disclosed funding round is a 2015 seed investment of approximately $1.13M led by Vox Capital, with no subsequent institutional rounds captured in the available data.

Name

Tem Saúde

Legal name

TEM Administradora de Cartões SA

Website

https://meutem.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Tem Saúde is a Brazilian finhealthtech operating the Conta Saúde prepaid healthcare card, which gives individuals and corporate partners access to medical consultations, dental care, and diagnostic exams at negotiated prices through a national provider network in Brazil.

Ownership category

akta.pro rank

Product category

Prepaid Healthcare Services

NAICS

Telemarketing Bureaus and Other Contact Centers (561422)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Member Services & Contact Center Operations (TPA) (HLAEALAI)

Keywords

• Prepaid healthcare
• Health benefit programs
• Corporate wellness solutions
• Healthcare network access
• Healthcare subscription services

Headquarters

HQ city

Brasil

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Subscription Fee: Recurring monthly subscription fee providing access to the healthcare account system, national provider network, and all included benefits. Users pay a small monthly fee and then only pay for consultations and exams when they use them.
2. Healthcare Transaction Fees: Revenue generated from negotiated pricing on medical consultations, dental appointments, and diagnostic exams within the provider network. The company negotiates rates and earns a margin on transactions processed through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Tem Saúde operates a prepaid healthcare card program called Conta Saúde that gives users access to medical consultations, dental services, and laboratory exams at negotiated prices through a national network of providers in Brazil. Subscribers pay a small monthly fee and only pay for services when used, with family coverage options, pharmacy discounts, telemedicine, home collection, and additional wellness benefits included. The company distributes via direct-to-consumer digital channels and B2B partnerships with retailers, banks, and insurers who offer Tem Saúde as an employee or customer benefit.

Product overview

TEM Saúde operates as a finhealthtech offering a prepaid healthcare card program called 'Conta Saúde' as its core product. The platform provides access to medical consultations, dental services, and laboratory exams at negotiated prices through a national provider network. Users pay a small monthly fee and only pay for services when used, with additional features including the TEM Familiar family coverage program, pharmacy discounts (minimum 20%), telemedicine consultations, telephone-based health guidance, additional care with nutritionists/psychologists/speech therapists, home collection services, and funeral assistance. In May 2023, TEM Saúde merged with Bella&Materna to expand into specialized women's health services, positioning the company as a comprehensive health ecosystem targeting B2B channels with corporate partners including retailers, banks, and insurers.

Differentiator

Problem solved

Functional benefit

Brands

• TEM Familiar: Family program valid for the subscriber and up to 4 additional family members.
• Conta Saúde

Products and services

• Conta Saúde (Conta Saúde TEM)
• TEM Familiar
• Farmácia (Pharmacy Discount)
• Consulta Online (Telemedicina)
• Coleta Domiciliar (Home Collection)
• Bella&Materna Women's Health Services

Quantifiable outcome

• Pharmacy discounts of at least 20% on medications
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Bella&MaternacoreStrategic or Co-development Partner · 22 May 2023Merger with healthtech Bella&Materna to expand services to include specialized care for women throughout their lives. The strategic combination aims to position TEM Saúde as a comprehensive health ecosystem offering personalized health solutions and preventive care routines for women. The operation aligns with TEM Saúde's B2B channel focus to serve partners like retailers, banks, and insurers with tailored health products.

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Direct peers

• Sami: Brazilian healthtech offering a subscription-based health plan with its own provider network and B2B2C distribution through employers and partners — directly comparable to Tem Saúde's prepaid-network model.
• Alice: Brazilian healthtech operating a managed health plan with curated provider networks and employer-focused distribution, comparable to Tem Saúde's prepaid-network approach serving corporate partners.
• Pipo Saúde: Brazilian employee-benefits health platform with a B2B2C go-to-market, distributing health benefits through employer partnerships — same channel architecture as Tem Saúde.
• Memed: Brazilian healthtech operating a B2B2C digital prescription and provider network platform, comparable to Tem Saúde in its intermediation of healthcare transactions and partner-led distribution.
• Dr. Consulta: Brazilian healthcare chain with own clinics offering affordable consultations and exams via subscription and pay-per-use — directly comparable to Tem Saúde's prepaid healthcare access model.

Emerging players

• Conexa Saúde: Brazilian telehealth and integrated care platform serving B2B clients with virtual consultations and care programs — overlaps with Tem Saúde's telemedicine and broader care-coordination offerings.
• Beep Saúde: Brazilian home-based healthcare services platform offering on-demand nursing, exams, and consultations — comparable to Tem Saúde's at-home collection and digital health access features.

Broad incumbents

• Amil: One of Brazil's largest health insurers (owned by UnitedHealth Group), providing regulated health plans with extensive provider networks — the incumbent alternative to Tem Saúde's prepaid model.
• Hapvida NotreDame Intermédica: Vertically integrated Brazilian health insurer with owned hospitals, clinics, and provider networks — incumbent competitor that competes on breadth of provider access similar to Tem Saúde's national network.
• SulAmérica: Established Brazilian health insurer offering regulated health and dental plans through employer and individual channels — incumbent competitor with corporate-benefit distribution similar to Tem Saúde's B2B partnerships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/meutem
• LinkedInlinkedin.com/company/meutem
• Instagraminstagram.com/temsaude

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A1 record

Investments

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

Frequently asked questions about Tem Saúde