Planicare
Planicare is a Portugal-based, 100% digital health insurance company serving individuals, families, and SMEs through a portfolio of subscription-based health plans distributed via its web platform and partner network.
- Company typePrivate
- Founded2019
- HeadquartersVila Nova De Gaia, Portugal
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Planicare does
Planicare is a Portuguese health insurance company operating as a 100% digital insurer, headquartered in Vila Nova de Gaia and regulated by the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) under registration number 1206. Founded in 2019, the company sells a portfolio of five subscription-based health insurance products — Planicare Family, Planicare Protection, Planicare Easy (EASYCARE), Planicare Saúde Dental, and SOFT — to individual consumers, families, and small-to-medium enterprises (PME) across continental Portugal and the Azores. Its core product design centers on accessibility: two products (Family and SOFT) waive the medical questionnaire and have no age limit, while Protection offers higher insured capitals up to €100,000 with standard underwriting.
The company's technology platform is built around a web-based online simulator that generates product and pricing recommendations from user-supplied data, a 24/7-accessible digital insurance card, and a self-service customer portal for policy management. Planicare does not operate mobile applications, public APIs, or third-party integrations, and its technical differentiation is concentrated in the ease-of-use implementation of the digital customer journey rather than in proprietary algorithms or data assets. The product range covers ambulatory care, hospitalization, dental (via an exclusive network arrangement with Trofa Saúde), optical benefits (via Institutoptico), and complementary health services including psychology, acupuncture, nutrition, and wellness.
Planicare's revenue model is recurring insurance premiums collected via direct debit on monthly, quarterly, semi-annual, or annual billing cycles, with pricing determined by quote rather than published rates. Distribution is primarily direct-to-consumer through the website and an in-house contact center (222 469 000, weekdays 9h-19h), supplemented by strategic partnerships with Institutoptico (optical discounts up to 25% across 150+ stores) and Trofa Saúde (dental network). The company employs between 11 and 50 people, has not disclosed funding rounds or external investors, and operates without a parent company or group affiliation beyond the regulatory framework of the Portuguese insurance market. Annual reports and Solvency and Financial Condition Reports are published for the years 2019 through 2025, indicating continuous operation.
Planicare firmographics
Firmographics- Name
- Planicare
- Legal name
- Planicare – Companhia de Seguros S.A.
- Website
- https://planicare.pt
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Planicare is a Portugal-based, 100% digital health insurance company serving individuals, families, and SMEs through a portfolio of subscription-based health plans distributed via its web platform and partner network.
- Ownership category
- akta.pro rank
Planicare industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
Keywords
Where Planicare is headquartered
LocationHeadquarters
- HQ city
- Vila Nova De Gaia
- HQ country
- Portugal
- HQ region
- Europe
Offices1 record
Markets served
Planicare business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Health Insurance Premiums: Collection of recurring insurance premiums from health insurance products including Planicare Family, Protection, Easycare, Soft, and Saúde Dental. Premiums are collected via direct debit with options for monthly, quarterly, semi-annual, or annual billing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Planicare Family - Three tiers (Silver, Gold, Platinum) with varying ambulatory coverage (€500-€1000), optional hospital coverage (€3000), and provider network access. |
| Subscription | Annual | Planicare Protection - Four tiers (Essential, Light, Plus, Prime) with hospital coverage ranging from €15,000 to €100,000, copayment options, and various waiting periods. |
| Subscription | Annual | EASYCare - Three tiers (1, 3, 5) with capital insured per family from €100 to €300, €50 daily hospital subsidy, and access to network providers. |
| Subscription | Annual | SOFT - Basic health insurance with daily hospital subsidy of €50, network access for ambulatory and wellness, optional hospital and dental coverage. |
| Subscription | Annual | Planicare Saúde Dental - Dental insurance for exclusive use at Trofa Saúde network. |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Planicare product offering
Product offeringCore offering
Planicare is a 100% digital health insurance company offering a portfolio of health insurance products through its website and customer portal. Its products include Planicare Family, Planicare Protection, EASYCARE, SOFT, and Saúde Dental, providing individuals, families, and small/medium businesses (PME) with access to a network of healthcare providers, hospital coverage, ambulatory care, and dental services.
Product overview
Planicare is a 100% digital health insurance company launched in 2019, offering a portfolio of health insurance products designed for individuals and businesses. The product lineup consists of five distinct offerings: Planicare Family (with Silver, Gold, and Platinum tiers) and SOFT for immediate enrollment without medical requirements; Planicare Protection for comprehensive coverage with higher insured capitals; Planicare Easy (EASYCARE) in tiered options (1, 3, 5); and Planicare Saúde Dental for dental coverage. All products provide access to a network of healthcare providers, with features including digital card access, online simulator tools, and policy management through a client portal.
Differentiator
Problem solved
Functional benefit
Brands
- Planicare Family: Health insurance product with immediate enrollment, no medical questionnaire, and no age limit for enrollment or permanence. Includes Silver, Gold, and Platinum tiers.
- Planicare Protection
- EASYCARE
- Planicare Saúde Dental
- SOFT
Products and services
- Planicare Family
- Planicare Protection Comprehensive health insurance with Essential, Light, Plus, and Prime coverage options providing access to a reference hospital network across Portugal, with insured capitals ranging from €15,000 to €100,000 and optional outpatient, dental, and oncology coverage. Requires medical questionnaire with maximum entry age of 60 years.
- Planicare Easy (EASYCARE) Health insurance available in EASYCARE 1, 3, and 5 tiers with insured capitals of €100, €200, and €300 per family respectively, offering daily hospitalization allowance (€50/day, max 30 days/year, 5-day deductible), outpatient coverage, clinical analyses, imaging, and access to complementary health and dental networks.
- Planicare Saúde Dental Dental health insurance for exclusive use within the Trofa Saúde provider network, covering dental care and oral health services. Campaign pricing offers 20% discount on first annual premium and 15% discount on renewal for annual payment.
- SOFT Basic health insurance providing immediate coverage with no medical questionnaire, pre-existing condition exclusions, or age limits. Includes daily hospitalization allowance of €50 (max 30 days/year, 5-day deductible), access to outpatient and complementary health networks, and optional hospital and dental network access.
Quantifiable outcome
- Digital-first experience with online simulator for instant product recommendations
- +1 more outcomes
Companies that use Planicare
Customer profileSegments2 records
Ideal customer profiles2 records
Planicare technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Planicare partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- InstitutopticominorStrategic partnership offering exclusive discounts to Planicare customers at Institutoptico's optical network. Customers and their families receive up to 25% discount on optical products and free eye exams. Institutoptico has 35 years of experience and over 150 stores across mainland Portugal and the Azores.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Planicare competitors and assessment
Company assessmentBroad incumbents
- Fidelidade: Fidelidade is Portugal's largest insurance group and the parent of Multicare, offering health, life, and non-life products with nationwide scale. It sets the competitive ceiling on brand, network, and capital that Planicare faces in the Portuguese health market.
- Generali Seguros Portugal: Generali's Portuguese subsidiary offers health and multi-line insurance to individuals and businesses, overlapping with Planicare's individual and PME segments but as part of a much broader European insurance portfolio.
- Zurich Portugal: Zurich's Portuguese operation provides individual, family, and group health insurance alongside other lines, competing with Planicare across consumer and SME channels as an established multi-line incumbent.
- Tranquilidade: Tranquilidade is a long-standing Portuguese general insurer offering health and other personal lines. It competes broadly with Planicare in individual and family health but as part of a wider multi-line portfolio rather than a specialist health focus.
Others
- Allianz Care: Allianz Care is the international health-insurance arm of Allianz, offering globally portable individual and group health plans — thematically adjacent to Planicare as a peer in health-insurance product design and digital customer experience, though not a direct competitor in the Portuguese retail market.
- Bupa: Bupa is a global health insurer and provider operating across multiple geographies with individual and corporate health products — comparable to Planicare in core activity (health underwriting) but operating at international scale and outside Planicare's domestic Portuguese market.
- Cigna Global Health: Cigna is a global health-services and insurance carrier selling individual and group health plans worldwide; relevant to Planicare as a benchmark for product, distribution, and digital-service design rather than as a Portuguese-market direct competitor.
Direct peers
- AdvanceCare: AdvanceCare is a Portuguese health management and insurance services provider that administers health plans and managed-care networks, overlapping with Planicare's health-insurance underwriting and provider-network coordination activities.
- Multicare: Multicare is one of Portugal's largest specialist health insurers (part of the Fidelidade group), offering individual, family, and SME health plans with a broad provider network — the closest direct competitor to Planicare's Portuguese individual and family health-insurance products.
- Médis: Médis is another major Portuguese specialist health insurer (backed by Ageas), with comparable individual, family, and corporate health plans — a direct peer in product scope, target customer, and national provider-network model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Planicare social profiles
Digital presencePlanicare financial estimates
Financial estimateRevenue estimate
Valuation estimate
Planicare leadership team
Management profileNumber of profiles
Profiles1 record
Planicare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Planicare 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 Planicare
What does Planicare do?
Planicare is a 100% digital health insurance company offering a portfolio of health insurance products through its website and customer portal. Its products include Planicare Family, Planicare Protection, EASYCARE, SOFT, and Saúde Dental, providing individuals, families, and small/medium businesses (PME) with access to a network of healthcare providers, hospital coverage, ambulatory care, and dental services.
Is Planicare a public or private company?
Planicare is a private company. It is classified as unknown and is currently operating.
When was Planicare founded?
Planicare was founded in 2019. It employs 11 to 50 people.
Where is Planicare based?
Planicare is headquartered in Vila Nova De Gaia, Portugal, in the Europe region.
How does Planicare make money?
One revenue line is on record: health Insurance Premiums.
Who are Planicare's main competitors?
Broad incumbents on record are Fidelidade, Generali Seguros Portugal, Zurich Portugal and Tranquilidade. Others are Allianz Care, Bupa and Cigna Global Health. Direct peers are AdvanceCare, Multicare and Médis.
Does Planicare have an API?
No public API is recorded for Planicare.
What industry is Planicare in?
Planicare's product category is Health Insurance. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524114 and its SIC code is 6321.