Memori

What Memori does

Memori is a Brazilian healthtech/lifecare company (legal entity Memori S.A., headquartered in Fortaleza, Ceará) that aggregates nine-plus corporate employee benefits into a single mobile and web application as an affordable alternative to traditional private health insurance for small and medium-sized enterprises (SMEs). Its product surface spans 24/7 telemedicine with general practitioners plus scheduled nutrition and psychology consultations; in-person medical consultations at a fixed R$25 price via the RS SAÚDE clinic network with up to 100% cashback on exams; a national dental service through accredited clinics; gym access to 15,000 facilities via the TotalPass partnership; pharmacy discounts of up to 60% on 3,000+ medications across the Pague Menos and Extrafarma chains; a discount club featuring 30+ national brands (Magalu, Renner, Domino's, Estácio, Movida, Marisa, Descomplica); an accidental death/disability life-insurance product up to R$10,000; 24-hour funeral assistance; and a pet health insurance product (Plano Pet) from R$19.90/month. Four subscription tiers (M0, M1, M2, M3) bundle these benefits for corporate buyers under typical 24-month contracts with automatic renewal.

The underlying technology is an orchestration/integration platform, not a vertically owned service stack: Memori does not own telemedicine infrastructure, clinics, gym facilities, or pharmacy inventory, but rather integrates third-party providers into a unified app (com.memori.app on iOS and Android, app.memori.digital on web) and applies waiting-period (carência) rules across benefits. The company is led by CEO Tavinho Brígido; operating status is active with the website, blog, and apps in production, though no patents, certifications, or external funding rounds are disclosed.

Memori's go-to-market is sales-led with a multi-motion overlay: direct corporate sales via a dedicated plans portal (planos.memori.digital), a partner/reseller program (parcerias), content marketing through an HR/corporate wellness blog, organic social on Instagram, LinkedIn and YouTube, and offline consumer reach through a Libercard bus-terminal partnership in Fortaleza. Reported scale is 50,000+ lives covered nationally; pricing for the M0–M3 corporate tiers is not publicly disclosed and requires sales contact, while the standalone Pet Plan is publicly listed from R$19.90/month and in-person consultations are charged at a transparent R$25 flat fee.

Name

Memori

Legal name

Memori S.A.

Website

https://memori.digital

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Memori is a Brazilian lifecare aggregator that bundles telemedicine, dental, in-person consultations, gym access, pharmacy discounts, life insurance, funeral assistance, pet insurance, and a discount club into one mobile app, sold as tiered monthly subscriptions (M0–M3) to SMEs as a lower-cost alternative to traditional health plans.

Ownership category

akta.pro rank

Product category

Corporate Benefits Platform

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (52512)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro industry

PRIMARYHLAEALAK

Flexible Benefits Administration (FSA/HSA/HRA)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

SECONDARYHLAEAIAJ

Dental Benefit Administration (DBA) & ASO/TPA for Dental

Healthcare & Life Sciences/Health Insurance & Managed Care/Dental Insurance Plans

Keywords

• Corporate benefits platform
• Employee wellness programs
• Telemedicine services
• Health benefits aggregation
• Life insurance assistance

Headquarters

HQ city

Ceará

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Monthly Subscription (Corporate Plans M0, M1, M2, M3): Companies subscribe to Memori's bundled benefits packages (M0 through M3 tiers) on a monthly basis. Pricing is not publicly disclosed on the website; prospective clients are directed to contact sales or use the online partner portal. The subscription model provides recurring revenue with contracts typically running 24 months with automatic renewal.
2. Fee-for-Service Add-ons: Certain services such as in-person specialist consultations (Nutrition, Psychology) are charged separately via a payment guide sent by Memori, based on the price practiced on the day of consultation. In-person medical consultations are charged at a fixed price of R$25.00 paid in advance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Memori is a Brazilian lifecare platform that aggregates multiple corporate employee benefits — including 24/7 telemedicine, in-person medical consultations, dental coverage, gym access, pharmacy discounts, an advantage club, pet insurance, accidental death/disability insurance, and funeral assistance — into a single mobile and web application. Companies subscribe to tiered monthly plans (M0–M3) to provide their employees with consolidated access to these benefits as a cost-effective alternative to traditional private health insurance.

Product overview

Memori is a corporate benefits (lifecare) platform that aggregates multiple employee wellness and protection benefits into a single mobile and web application. The core offering consists of ten integrated products: (1) Telemedicina — 24/7 general practitioner teleconsultations plus scheduled psychology and nutrition appointments via a partner telemedicine app; (2) Consultas Presenciais — in-person medical consultations through the RS SAÚDE clinic network across Brazil at a fixed R$25 price with up to 100% exam cashback; (3) Serviço Odontológico — national dental coverage including cleanings, X-rays, extractions, and restorations; (4) Academias com TotalPass — gym access across 15,000 gyms and 250+ modalities; (5) Descontos em Farmácias — up to 60% off 3,000+ medications at Pague Menos and Extrafarma; (6) Clube de Vantagens — daily discount coupons from 30+ national brands; (7) Plano Pet — pet health insurance starting at R$19.90/month with 24/7 vet teleconsultation; (8) Seguro de Vida AP — accidental death/disability coverage up to R$10,000; (9) Assistência Funeral 24h — complete funeral service assistance; and (10) the Aplicativo Memori — the unifying mobile/web platform through which all benefits are accessed. Four subscription tiers (M0 through M3) scale access to these products, from a basic discount club to a full suite including telemedicine, dental, and in-person consultations. The platform is positioned as a cost-effective alternative to traditional private health insurance for small and medium-sized enterprises.

Differentiator

Problem solved

Functional benefit

Products and services

• Telemedicine (Online Medical Consultation) Unlimited 24/7 general practitioner teleconsultations plus scheduled appointments with nutrition and psychology specialists, delivered via a partner telemedicine application integrated into the Memori platform. For corporate employees via their employer-subscribed Memori plan.
• In-Person Medical Consultations (RS SAÚDE Network) In-person medical consultations at accredited clinics across Brazil with fixed R$25.00 pricing per consultation and up to 100% cashback on examinations, covering 20 specialties including cardiology, dermatology, gynecology, neurology, ophthalmology, orthopedics, pediatrics, and psychiatry.
• Dental Service National dental coverage including dental cleaning, evaluation, prevention, restoration, simple extractions, dental X-rays, pediatric odontology, and amalgam fillings, delivered through accredited partner clinics across Brazil.
• Gym Network Access (TotalPass) Gym access through a partnership with TotalPass, providing access to 15,000 gyms with 250+ exercise modalities across Brazil for Memori plan members.
• Pharmacy Discount Program (Pague Menos & Extrafarma) Pharmacy discount program offering up to 60% off on more than 3,000 over-the-counter medications across the Pague Menos and Extrafarma pharmacy chains in Brazil, integrated with Pague Menos's loyalty program.
• Advantage Club (Discount Club) Discount club providing daily discount coupons from over 30 national brands including Magalu, Estácio, Renner, Domino's, Marisa, Descomplica, and Movida, accessible to Memori plan members.
• Pet Plan (Pet Health Insurance) Pet health insurance plans starting at R$19.90/month with 24/7 veterinary teleconsultation, coverage at any clinic in Brazil via reimbursement or direct release, with reimbursement processed within 7 business days.
• Accidental Death & Disability Insurance Personal accident insurance providing coverage up to R$10,000 in cases of accidental death or total and permanent disability, subject to policy terms and conditions.
• 24-Hour Funeral Assistance Complete 24-hour funeral assistance including urn with visor, floral ornamentation, thanatopraxy, clothing, funeral parlor room, ground/road transfer up to 100 km, and bus transport for up to 20 people, with a per-service limit of R$4,000.

Quantifiable outcome

• Up to 60% discount on medications
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered core, secondary and minor.

• LibercardcoreChannel Partner/ Reseller/ Distributor · 1 August 2022Libercard is a strategic distribution partner that enables Memori to reach consumers through physical touchpoints. The partnership involves promotional activities at Libercard's bus terminal locations in Fortaleza (700,000 daily commuters), allowing Memori to explain and sell its services in person. Both companies share a mission of democratizing access to essential services.
• TotalPasscoreStrategic or Co-development PartnerTotalPass is the gym/fitness network partner that enables Memori to offer employees access to 15,000 gyms and 250+ workout modalities across Brazil. This partnership is a core component of Memori's wellness offering.
• Pague MenoscoreStrategic or Co-development PartnerPague Menos is the primary pharmacy discount partner, providing Memori members with up to 60% discount on more than 3,000 medications through Pague Menos' national store network and its loyalty program. Memori also integrates with Pague Menos' loyalty program for additional savings.
• ExtrafarmasecondaryStrategic or Co-development PartnerExtrafarma is a secondary pharmacy partner alongside Pague Menos, extending the pharmacy discount network across more locations in Brazil.
• RS SAÚDEcoreTechnology or IntegrationRS SAÚDE is the medical clinic network partner for in-person consultations under the M3 plan. Members access a network of accredited clinics across Brazil with fixed R$25 consultation pricing and up to 100% cashback on exams. RS SAÚDE manages scheduling and clinic relationships.
• MagaluminorGTM or Marketing PartnerMagalu (Magazine Luiza) is a partner brand featured in Memori's Clube de Vantagens (Advantage Club), offering employees discount coupons across multiple categories.
• RennerminorGTM or Marketing PartnerRenner is a fashion retail partner in Memori's Clube de Vantagens, offering discount coupons to Memori members.
• Domino'sminorGTM or Marketing PartnerDomino's is a food service partner in Memori's Clube de Vantagens, providing discount coupons to Memori members.
• EstáciominorGTM or Marketing PartnerEstácio is an education partner in Memori's Clube de Vantagens, offering discount coupons to Memori members for educational services.
• Movida (Rent a Car)minorGTM or Marketing PartnerMovida is a mobility partner in Memori's Clube de Vantagens, offering discount coupons to Memori members.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Sami Saúde: Brazilian healthtech offering SME-focused corporate health plans and virtual care bundles. Adjacent offering to Memori with overlap in telemedicine and SME health access, but focused on full health-plan rather than benefits-aggregator model.
• TotalPass: Brazilian corporate wellness/gym benefit network accessed by Memori through partnership. Comparable corporate-wellness distribution model and adjacent SME HR proposition; could evolve into a more direct competitor in benefits aggregation.

Broad incumbents

• VR Benefícios: Major Brazilian benefits and corporate card provider (food, meal, culture, health) serving thousands of corporate clients. Comparable benefits aggregation for SMEs and large enterprises, established player.
• Alelo: Brazilian corporate benefits card and platform providing multi-category benefits (food, meal, gift, education, health). Incumbent alternative to newer aggregators like Memori.
• iFood Benefícios: Corporate benefits arm of iFood delivering food, meal and broader flexible benefits to Brazilian employers. Comparable SME-targeted benefits aggregation, with the iFood distribution footprint.
• Sodexo Brasil: Large global benefits and food services incumbent operating meal cards, quality-of-life and benefit programs for Brazilian employers. Overlaps with Memori on multi-category benefits, but at much larger scale and via legacy card rather than app-centric model.

Direct peers

• Caju Benefícios: Brazilian flexible-benefits platform that delivers multi-category corporate benefits (food, health, mobility, culture) to employees through a card and app. Direct competitor to Memori in the SME benefits aggregation space in Brazil.
• Flash Benefícios: Brazilian corporate benefits app offering a multi-category flexible benefits card (food, meal, health, culture) to SMEs and enterprises. Closely comparable B2B2C benefits aggregation model.
• Vee Benefícios: Brazilian HR-tech focused on flexible corporate benefits cards and platform for SMEs. Targets a similar SME segment with bundled, app-based benefits administration.
• Z1 Benefícios / Z1card: Brazilian benefits card and platform serving SMEs with multi-category benefits and a self-serve digital experience. Closely comparable SME benefits aggregation model in Brazil.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@memoribr
• LinkedInlinkedin.com/company/memoribr
• Instagraminstagram.com/memoribr
• Facebookfacebook.com/memoribr

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 Memori