Klini
Klini (Klini Saúde) is a Rio de Janeiro-based, ANS-licensed health insurance operator founded in 2020 that sells tiered health plans to individuals, families, and corporate clients across Rio de Janeiro state, supported by 15 own medical centers, a Rede Casa Hospitalar partnership, and a digital platform with app, teleconsulta, and pharmacy discounts.
- Company typePrivate
- Founded2020
- HeadquartersRio De Janeiro, Brazil
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Klini does
Klini (legal entity: Klini Planos de Saúde Ltda.) is a Brazilian supplementary health insurance operator (operadora de saúde suplementar) headquartered in Rio de Janeiro, founded in 2020 and licensed by ANS under registration 422.029. The company sells a portfolio of seven health plans — Ambulatorial, Hospitalar, Klini 200/350/400/600, and Senior — to individual consumers, families, and corporate clients across the state of Rio de Janeiro. Pricing is quote-based and billed as recurring monthly premiums, with co-participation applied on certain services.
The business is vertically integrated around 15 proprietary medical centers spanning Rio de Janeiro city, Baixada Fluminense, and Costa Verde, complemented by physiotherapy and Integra+ specialized therapy centers. A strategic partnership with Rede Casa Hospitalar extends Klini's care continuum into hospitalizations, complex surgeries, and emergency care. The technology layer consists of a mobile app (iOS/Android/web), an 8-digit digital token system (renewed every 60 seconds) for service authorization, a credenciado network search tool, 24/7 teleconsulta delivered via third-party telemedicine partners Conexa and Medex, a pharmacy discount program across 7 national chains, and a beneficiary self-service portal.
Klini acquires customers through digital self-serve channels (website quote forms, WhatsApp, phone/SAC, mobile app), supplemented by a broker (corretor) channel and corporate sales outreach. The company also runs a preventive medicine nucleus (MAISVIDA) and Linha de Cuidados Assistenciais (LCA) care management programs. The company is privately held, with no disclosed external funding, no parent company, and 501-1000 employees; financials are published in a Portal da Transparência section but were not accessible in the source material.
Klini firmographics
Firmographics- Name
- Klini
- Legal name
- Klini Planos de Saúde Ltda.
- Website
- https://klinisaude.com.br
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Klini (Klini Saúde) is a Rio de Janeiro-based, ANS-licensed health insurance operator founded in 2020 that sells tiered health plans to individuals, families, and corporate clients across Rio de Janeiro state, supported by 15 own medical centers, a Rede Casa Hospitalar partnership, and a digital platform with app, teleconsulta, and pharmacy discounts.
- Ownership category
- akta.pro rank
Klini industry classification
Industry- Product category
- Supplementary Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), General Medical and Surgical Hospitals (622110), General Medical and Surgical Hospitals (6221)
- SIC
- Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Services-Hospitals (8060)
- akta.pro primary industry
- Private/For-Profit Hospital Systems (HLAFAAAF)
- akta.pro secondary industries
- Group HMO Plans (FSAIAFAK), Provider Network, Credentialing & Contracting Support (BPAAAFAI)
Keywords
Where Klini is headquartered
LocationHeadquarters
- HQ city
- Rio De Janeiro
- HQ country
- Brazil
- HQ region
- Latin America
Offices17 records
Markets served
Klini business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Health Insurance Premiums: Klini operates as a supplementary health insurance operator (operadora de saúde suplementar) registered with ANS (registration 422.029). Revenue is generated through recurring monthly insurance premiums collected from individual, family, and corporate plan holders across multiple plan tiers (Ambulatorial, Hospitalar, Klini 200, 350, 400, 600, Senior). Premiums vary by plan level and coverage scope, with co-participation (coparticipação) potentially applied for certain services.
- Teleconsulta Services: Telemedicine consultations included as a benefit across all plans, with 24/7 urgent care and scheduled specialist appointments available via video. Revenue is embedded within plan premiums; the service adds subscriber value and reduces unnecessary in-person visits.
- Pharmacy Discount Program: Beneficiaries receive discounts at partner pharmacy chains (Drogasil, Drogaraia, Pacheco, São Paulo, Venancio, Drogasmil, Farmalife) by presenting their CPF or member card. No separate charge; discounts are negotiated with partner pharmacies, potentially generating referral or volume-based arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Entry-level plan covering consultations and exams only |
| Subscription | Monthly | Hospital coverage plan for emergencies and planned procedures |
| Subscription | Monthly | Essential plan with regional network and obstetrics |
| Subscription | Monthly | Mid-tier plan with expanded hospital and lab network |
| Subscription | Monthly | Premium plan with expanded network and care management |
| Subscription | Monthly | Top-tier plan with maximum coverage and highest reimbursement |
| Subscription | Monthly | Senior plan designed for beneficiaries aged 60+ |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels8 records
Klini product offering
Product offeringCore offering
Klini is a Brazilian supplementary health insurance operator (operadora de saúde suplementar) that sells tiered health plans (Ambulatorial, Hospitalar, Klini 200, 350, 400, 600, and Senior) to individuals, families, corporates, and seniors in the state of Rio de Janeiro. Its offering is supported by 15 proprietary medical centers, a hospital partnership with Rede Casa Hospitalar, a 24/7 teleconsulta service, a mobile app with digital member ID and rotating security token, a credenciado provider network, and a national pharmacy discount program. The company is regulated by ANS (registration 422.029).
Product overview
Klini is a Brazilian health insurance operator (operadora de saúde suplementar) based in Rio de Janeiro, regulated by ANS (registration 422.029). The company offers a portfolio of health plans spanning from basic ambulatory coverage (Klini Ambulatorial) to comprehensive premium plans (Klini 600), along with a range of digital services and physical care infrastructure. The core product line includes Klini Ambulatorial (consultations and exams), Klini Hospitalar (hospitalizations and surgeries), and tiered complete plans: Klini 200, Klini 350, Klini 400, and Klini 600. Digital services include the Klini App (mobile application with digital ID card, teleconsulta scheduling, and token generation), Token Digital (60-second rotating security token), Teleconsulta (24/7 video consultations), Desconto em Farmácias (pharmacy discount program with 7 partner chains), and Rede Credenciada (in-network provider search). The company operates 15 proprietary medical centers across Rio de Janeiro, Baixada Fluminense, and Costa Verde, supported by a partnership with Rede Casa Hospitalar for complex hospitalizations and surgeries. Preventive care is delivered through the Núcleo de Medicina Preventiva and Linha de Cuidados Assistenciais (LCA) programs. Klini serves beneficiaries through the Portal do Beneficiary, Portal da Transparência, and maintains a provider credentialing process for network expansion.
Differentiator
Problem solved
Functional benefit
Brands
- Klini Ambulatorial: Outpatient health plan covering consultations and exams with complete ambulatory coverage.
- Klini Hospitalar
- Klini 200
- Klini 350
- Klini 400
- Klini 600
- Klini Senior
- Klini Rede Casa
Products and services
- Klini Ambulatorial Entry-level health plan covering consultations and exams with complete ambulatory coverage, including 24/7 teleconsulta and pharmacy discounts. Designed for individual consumers and families in Rio de Janeiro seeking basic coverage.
- Klini Hospitalar Hospital-focused health plan covering hospitalizations, surgical procedures, and 24-hour emergency/urgent care. Targeted at individual consumers and families in Rio de Janeiro seeking hospital coverage with security.
- Klini 200 Entry to the complete line of Klini health plans, offering ambulatory + hospital coverage with obstetrics and a regional network. Marketed as comprehensive protection at an equilibrated cost for individuals and families.
- Klini 350 Family-oriented health plan with a broader hospital and laboratory network, structured to grow with the family. Includes complete obstetric coverage and specialized teleconsulta.
- Klini 400 Mid-tier health plan with expanded premium network and Care Lines (Linha de Cuidados Assistenciais - LCA) for comprehensive health monitoring. Marketed as the best cost-benefit option for protection.
- Klini 600 Premium health plan offering total coverage, access to the most renowned medical network, excellence hospitals, and high reimbursement values. The most complete Klini plan.
- Klini Senior Health plan designed for beneficiaries aged 60 and above, with a dedicated customer service line and a tailored, humanized care approach including chronic disease management support.
- Klini Saúde App Standalone mobile and web application for Klini beneficiaries, providing digital member ID (Carteirinha Digital), Token Digital generation, 24/7 teleconsulta scheduling, credenciado network search, co-participation tracking, and access to Portal do Beneficiário services. Available on the App Store, Google Play, and web browser.
- Teleconsulta 24h 24/7 video-based telemedicine service for Klini beneficiaries, offering urgent care and scheduled specialist consultations across multiple specialties, with digitally signed prescriptions, referrals, and medical orders of full legal validity. Delivered via the Klini app using telemedicine partners Conexa and Medex.
Quantifiable outcome
- 24/7 teleconsulta available across all plans with digital prescriptions and referrals
- +2 more outcomes
Companies that use Klini
Customer profileSegments4 records
Ideal customer profiles3 records
Klini technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Klini partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Rede Casa HospitalarcoreKlini is supported by Rede Casa Hospitalar, one of the main hospital networks in Rio de Janeiro, which provides beneficiaries access to hospitalization, complex surgeries, and emergencies with full infrastructure. This ambulatory-to-hospital integration is a key differentiator for Klini, providing end-to-end care continuity that Klini cannot fully deliver through its own facilities alone.
- Grupo BaiãominorGrupo Baião is a specialized asset recovery, extrajudicial and judicial collection, and credit management company. It partners with Klini to provide personalized debt negotiation and credit recovery services for beneficiaries in arrears, operating with ethics and transparency in alignment with Klini's values. Contact: [email protected] / (21) 2221-3330.
- DrogasilminorDrogasil is one of Brazil's largest pharmacy chains, participating in Klini's pharmacy discount program. Klini beneficiaries present their CPF or member card at Drogasil to receive automatic discounts on medications.
- DrogaraiaminorDrogaraia is a major Brazilian pharmacy chain participating in Klini's pharmacy discount program, enabling beneficiaries to receive medication discounts nationwide.
- PachecominorPacheco pharmacy chain is a partner in Klini's discount pharmacy program, offering beneficiaries reduced prices on medications upon presentation of their CPF or member card.
- DrogasmilminorDrogasmil is a national pharmacy chain participating in Klini's pharmacy discount program, available to all Klini beneficiaries across its store locations.
- FarmalifeminorFarmalife pharmacy chain participates in Klini's discount pharmacy program, providing beneficiaries with medication discounts at its retail locations.
- VenanciominorVenancio pharmacy chain is a partner in Klini's discount pharmacy program, enabling beneficiaries to access discounted medications at Venancio stores.
- São Paulo (Drogaria São Paulo)minorDrogaria São Paulo is a major pharmacy chain participating in Klini's discount pharmacy program, offering beneficiaries medication discounts nationwide.
- ConexacoreConexa is a telemedicine platform used by Klini to deliver telehealth consultations. It accesses patient health data to enable remote medical appointments, supporting Klini's 24/7 teleconsulta service.
- MedexcoreMedex is a telemedicine technology provider integrated with Klini's services, enabling remote medical consultations and accessing patient health data for telehealth delivery.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Klini competitors and assessment
Company assessmentBroad incumbents
- Hapvida: Largest vertically integrated health plan operator in Brazil with own hospitals, clinics, and diagnostic centers. Directly comparable to Klini's model of combining insurance with owned care delivery, but at national scale.
- Amil: Major Brazilian health plan operator with strong presence in Rio de Janeiro and a mixed model of own and partner providers. Comparable in product structure (tiered individual, family, and corporate plans) and broker distribution.
- SulAmérica: One of Brazil's largest health insurance carriers, offering individual, family, and corporate plans nationwide. Comparable in plan tiering, ANS regulation, and broker-channel distribution, though much larger and more established.
- NotreDame Intermédica: Vertically integrated health plan operator with own hospitals and clinics, particularly strong in São Paulo. Closest comparable in business model to Klini — combining health plans with owned care delivery infrastructure.
- Bradesco Saúde: Large Brazilian group health plan carrier, dominant in employer-sponsored segment. Comparable to Klini's corporate/group plan offerings and ANS-regulated framework, though national in scale.
- Unimed: Brazil's largest cooperative health plan system, with strong regional footprint including Rio de Janeiro (Unimed Rio). Comparable in selling tiered individual and corporate plans via a mixed own/network provider model.
Emerging players
- Alice: Brazilian digitally native health plan operator focused on employer-sponsored plans with a tech-first member experience. Comparable to Klini in targeting digital-first experience and corporate segment, but startup-stage and tech-led.
- Sami: Brazilian health plan startup offering plans with own medical centers and digital-first care, similar to Klini's vertical integration thesis. Comparable in model and target segments but operating in São Paulo.
Others
- Conexa Saúde: Telemedicine platform used by Klini (and many other Brazilian insurers) for 24/7 teleconsulta delivery. Comparable as a technology/infrastructure provider that enables Klini's digital care offering.
- Medex: Telemedicine and remote care platform integrated with Klini for teleconsulta services. Comparable as an enabling technology partner supporting Klini's digital care delivery model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Klini social profiles
Digital presenceKlini compliance and trust
Trust signalCompliance3 records
Klini financial estimates
Financial estimateRevenue estimate
Valuation estimate
Klini leadership team
Management profileNumber of profiles
Klini funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Klini M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Klini
What does Klini do?
Klini is a Brazilian supplementary health insurance operator (operadora de saúde suplementar) that sells tiered health plans (Ambulatorial, Hospitalar, Klini 200, 350, 400, 600, and Senior) to individuals, families, corporates, and seniors in the state of Rio de Janeiro. Its offering is supported by 15 proprietary medical centers, a hospital partnership with Rede Casa Hospitalar, a 24/7 teleconsulta service, a mobile app with digital member ID and rotating security token, a credenciado provider network, and a national pharmacy discount program. The company is regulated by ANS (registration 422.029).
Is Klini a public or private company?
Klini is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Klini founded?
Klini was founded in 2020. It employs 501 to 1,000 people.
Where is Klini based?
Klini is headquartered in Rio De Janeiro, Brazil, in the Latin America region.
How does Klini make money?
Three revenue lines are on record. Health Insurance Premiums are the primary driver. The others are teleconsulta Services and pharmacy Discount Program.
Who are Klini's main competitors?
Broad incumbents on record are Hapvida, Amil, SulAmérica, NotreDame Intermédica, Bradesco Saúde and Unimed. Emerging players are Alice and Sami. Others are Conexa Saúde and Medex.
Does Klini have an API?
No public API is recorded for Klini.
What industry is Klini in?
Klini's product category is Supplementary Health Insurance. Its primary akta.pro industry code is HLAFAAAF, Private/For-Profit Hospital Systems, with a secondary code of FSAIAFAK, Group HMO Plans. Its NAICS code is 52411 and its SIC code is 6324.