Clincard

What Clincard does

Clincard (legal entity: CLINCARD FIDELIZAÇÃO DE CLIENTES LTDA, CNPJ 20.642.331/0001-32) is a Brazilian subscription-based healthcare and lifestyle benefits card company founded in 1998 and headquartered in Palhoça, Santa Catarina. The company sells monthly memberships across three consumer tiers — Individual at R$47.65, Duplo at R$58.65, and Family at R$66.65 — that grant access to discounted services through a network of 350+ credentialed partners spanning clinics, laboratories, imaging centers, pharmacies, gyms, pet shops, optical stores, fuel stations, and educational institutions. Clincard claims 28+ years of operating history, 50,000+ active clients, and primary market concentration in Santa Catarina with selective extension into other Brazilian states.

The technology stack consists of a digital benefits card platform composed of iOS/Android mobile applications, a 24/7 web-based telemedicine portal (telemedicina.clincard.com.br) with virtual nursing triage and automated SMS delivery of prescriptions and medical certificates, an enterprise administration portal (webclin.clincard.com.br/empresarial), and a partner network management system. Clincard integrates with Cotesa (utility bill savings), Pratique Fitness (39 gym units), and UNISUL (up to 40% scholarship), and bundles life insurance (up to R$5,000), funeral assistance (R$3,500-R$5,000), and accident disability coverage (IPA up to R$5,000) into subscription pricing. The company is LGPD-compliant with an externally appointed Data Protection Officer and operates with 51-100 employees.

The business model is recurring monthly subscription revenue, distributed through a self-service website checkout, mobile app, WhatsApp sales, call center, and a dedicated corporate field sales team for Plano Empresarial contracts (R$25.90 per life, or R$17.90 per life for groups of 20+). Clincard is privately held, founder/operator-owned with no disclosed institutional investors or funding rounds, and operates as a bootstrapped regional player rather than a venture-backed scale-up.

Name

Clincard

Legal name

CLINCARD FIDELIZAÇÃO DE CLIENTES LTDA

Website

https://clincard.com.br

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

Clincard is a Brazilian subscription-based benefits card company offering monthly memberships (R$47.65-R$66.65) granting discounts on healthcare, telemedicine, pet care, pharmacy, fitness, fuel, and education through a network of 350+ credentialed partners, serving 50,000+ active clients primarily in Santa Catarina.

Ownership category

akta.pro rank

Headquarters

HQ city

Palhoça

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Individual Subscription Plans: Monthly recurring subscription revenue from three plan tiers: Individual (R$47.65/month), Duplo (R$58.65/month for titular + 1 dependent), and Family (R$66.65/month for titular + up to 5 dependents). Payment via credit card, boleto, or recurring Pix. No enrollment fee or annual fee.
2. Corporate/Enterprise Plans: Monthly recurring subscription from empresarial plans at R$25.90/life (basic) or R$17.90/life (above 20 lives, 30% savings). Targets employee benefits for businesses.
3. Insurance Products: Bundled insurance products including life insurance (up to R$5,000 for natural or accidental death), funeral assistance (up to R$3,500-R$5,000 depending on plan), and IPA (up to R$5,000 for total or partial disability from accident). Premium included in monthly subscription.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels7 records

Core offering

Clincard operates a subscription-based benefits discount card that grants members access to negotiated price reductions on healthcare consultations (up to 70% off), laboratory and imaging exams (up to 50% off), pharmacies (up to 35%), pet shops (up to 40%), gyms, optical stores, fuel stations, utilities, and university programs through a network of 350+ credentialed partners in Santa Catarina, Brazil. Memberships are sold in individual tiers (R$47.65-R$66.65/month) and a separate corporate/enterprise tier (R$25.90-R$17.90 per life/month), and include bundled life, funeral, accident-disability, and medical-expense insurance benefits alongside a 24/7 telemedicine add-on and a concierge appointment-booking service (Busca pra Mim).

Product overview

Clincard is a discount benefits card platform operating primarily in Santa Catarina, Brazil, with three subscription tiers (Individual, Family, and Dual plans ranging from R$47.65-R$66.65/month). The core product provides up to 70% discounts on medical consultations and 50% on exams through a network of 350+ credentialed partners. The platform is architected around the core Clincard membership card supplemented by the Clincard Telemedicina 24/7 video consultation add-on, the Clincard App mobile application for digital card access and benefit management, the Busca pra Mim concierge scheduling service, and the Plano Empresarial corporate plan for employee benefits. Additional value-add modules include pet insurance (ClinPet Plus), life insurance, funeral assistance, accident disability coverage (IPA), and medical expense insurance (DMHO). The company also offers discounts on fuel (up to R$0.30/L), utilities (via Cotesa partnership), and education (via UNISUL partnership up to 40%).

Differentiator

Problem solved

Functional benefit

Products and services

• Clincard Benefits Card A monthly subscription benefits card that grants individual members and families discounted access to 350+ credentialed partners across medical consultations (up to 70% off), lab and imaging exams (up to 50% off), pharmacies (up to 35%), pet shops (up to 40%), gyms, optical stores, fuel stations (up to R$0.30/L), and educational institutions (up to 40% scholarship at UNISUL), with bundled life, funeral, accident-disability and medical-expense insurance benefits for the titular and dependents.
• Clincard Telemedicina A 24/7 online medical consultation service accessible via webapp, providing video consultations with general practitioners and specialists, virtual nursing triage, exam file upload, and automated SMS delivery of prescriptions and medical certificates. Marketed as a standalone add-on (R$25/month) for individual subscribers and bundled into the Family, Duplo and corporate plans.
• ClinPet Plus A pet insurance and veterinary-discount benefit included in Clincard memberships, providing discounted access to veterinary consultations, exams and procedures at credentialed pet shops and clinics, and giving members up to 40% savings at pet shops.
• Busca pra Mim Concierge Service A hands-on appointment scheduling service where Clincard staff contacts the credentialed network on behalf of the member to identify and book the most suitable clinic or specialist for the member's medical need, eliminating member-side search and coordination effort.
• Plano Empresarial (Corporate Plan) A B2B corporate benefits plan that provides employee access to the Clincard credentialed network, telemedicine, pet insurance (ClinPet Plus) and bundled insurance protections, priced per life per month (R$25.90 basic, R$17.90 for groups above 20 lives) and administered through a dedicated corporate self-service portal.

Quantifiable outcome

• Up to 70% savings on medical consultations (R$500 to R$350 average)
• +8 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• UNISUL (Universidade do Sul de Santa Catarina)minorStrategic or Co-development PartnerEducational partnership offering Clincard members up to 40% scholarship discounts on university programs at UNISUL.
• PratiqueminorStrategic or Co-development PartnerFitness partnership allowing Clincard members to activate Pratique fitness partnership directly through the Clincard app. Part of wellness benefits ecosystem.
• CotesaminorStrategic or Co-development PartnerEnergy utility partnership offering Clincard members electricity bill savings through the Clincard-Cotesa program.
• São Lucas (Partner Clinic)coreChannel Partner/ Reseller/ DistributorHealthcare partner where savings data is tracked. Sao Lucas clinic participates in Clincard's 24-hour emergency consultation service and is the source for savings tracking data in the app.
• Clinic Network (350+ Credentialed Partners)coreChannel Partner/ Reseller/ DistributorOver 350 healthcare providers, laboratories, imaging centers, pharmacies, pet shops, gyms, optical stores, fuel stations across Santa Catarina. Partners join via 'Seja Credenciado' onboarding. Categories include: Farmácia, Clínica, Laboratório, Clínica Médica, Academia, Ótica, Clínica de Imagem, Hospital, Clínica de Fisioterapia, Pet, Posto de Gasolina, Pet Shop, Clínica de Estética, Clínica Odontológica, Educação, and more.
• Data Guide Consultoria e Soluções em Proteção de Dados Ltda.minorOthersExternal DPO (Data Protection Officer) company contracted to handle LGPD compliance and act as communication channel with ANPD. Represented by Taynara Rodrigues Bernardo. Contact: [email protected].

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Memed: Brazilian digital health platform for prescriptions, telemedicine, and pharmacy-led benefits — comparable adjacent digital-health consumer engagement and partner-network monetization.

Broad incumbents

• Wellhub (formerly Gympass): Brazil-origin global corporate wellness platform with broad partner network of gyms and wellness providers — comparable benefits-membership architecture and corporate sales motion, though at much larger scale.
• Hapvida NDI: Major Brazilian health insurance and vertical provider offering affordable healthcare plans — competes for the same price-sensitive Brazilian consumers seeking reduced-cost medical access.
• Unimed: Large Brazilian cooperative health insurance and care delivery network — comparable in offering credentialed-network access to consultations and exams, though as a full-risk insurer rather than a discount card.
• Amil (UnitedHealth Group): Large Brazilian health insurer and care provider with broad provider network — comparable in offering network-driven care access, though through full insurance products rather than discount subscriptions.

Direct peers

• Dr. Consulta: Brazilian outpatient healthcare operator offering affordable consultations, exams, and procedures through its own clinics on a subscription/pay-per-use basis — directly comparable to Clincard's discounted healthcare access model in Brazil.
• Conexa Saúde: Brazilian telemedicine and integrated healthcare platform offering online consultations and corporate health plans — overlaps with Clincard's Telemedicina offering and corporate benefits plans.
• TotalPass: Brazilian corporate wellness benefits subscription giving employees access to gyms and wellness partners — comparable Plano Empresarial (B2B2C benefits) motion and recurring subscription model to Clincard.
• Vale Saúde: Brazilian health benefits/discount card product providing reductions on consultations, exams, and partner-network services — closest direct analogue to Clincard's discount membership model.

Regional players

• Beira-Mar Saúde: Regional Brazilian health-discount/benefits card operator in coastal Santa Catarina — closest competitor in Clincard's home geography with overlapping partner network and customer base.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/clincard
• LinkedInlinkedin.com/company/clincard

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Clincard