Saúde Prime

What Saúde Prime does

Saúde Prime is a Portuguese health plan and health insurance intermediary operating under the legal entity UNLIMITEDCARE – Serviços de Saúde e Assistência, S.A., a private company belonging to the Future Healthcare Group. Founded in 2003 and headquartered in Lisbon, the company pioneered the commercialization of health plans (Planos de Saúde) in Portugal and serves both individual consumers and SMEs (Empresas segment). Its portfolio comprises three core product lines: the Plano Saúde Prime (Base from €6.75/month and Ideal from €11.25/month), the Plano Saúde Prime Oral (dental, from €5.67/month), and the Seguro Saúde Prime (health insurance underwritten by Victoria Seguros and ADVENT INSURANCE, from €12.13/month). All products route members into the Future Healthcare medical network of 50,000+ providers, supplemented by 4,800+ wellness providers and approximately 1,000 dental providers, with national coverage including Portugal's mainland, Madeira, and Azores.

The underlying technology stack includes a fully online subscription and simulation platform, the MySaúdePrime customer portal (web and mobile) for virtual health card, appointment booking, and reimbursement submission, and an integrated telemedicine infrastructure offering 24/7 priority video-consultation and scheduled specialty video-consultation. A differentiated capability is the Observação Médica Remota (OMR) service using TytoCare devices, enabling physician-guided remote physical examinations (auscultation, otoscopy, skin imaging) during video-consultations. The home doctor service (Médico ao Domicílio) operates 24/7/365 at €15/consultation, with medication delivery and ambulance transport to public hospitals for validated emergencies.

Saúde Prime generates revenue through recurring monthly subscriptions on the three product lines, with health plans operating as discounted-access arrangements (no copayments within the network) and insurance products carrying copayments and reimbursement options. Distribution is primarily direct-to-consumer via a 100% online adhesion funnel (no medical questionnaire or waiting periods on plans), supplemented by phone-based inside sales, a single physical agency in Lisbon, a referral program (€20 Gift Card per referred friend), and its ASF-licensed insurance intermediary status (registration no. 413382027, Vida and Não Vida). The Future Healthcare Group parent holds ISO 9001:2015 certification (since 2018), and Saúde Prime carries PME Líder status as a high-performing Portuguese SME. The company has 51-100 employees and no disclosed external funding or M&A activity.

Name

Saúde Prime

Legal name

UNLIMITEDCARE – Serviços de Saúde e Assistência, S.A.

Website

https://saudeprime.pt

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

51–100 employees

Short description

Saúde Prime is a Lisbon-based health plan and health insurance intermediary, owned by UNLIMITEDCARE/Future Healthcare Group, that distributes subscription-based plans and insurance products to Portuguese individuals and SMEs through a 50,000+ provider network and a 100% online subscription platform.

Ownership category

akta.pro rank

Product category

Health Insurance and Health Plans

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Administrative Services Only (ASO) for Employers (HLAEAAAD)

akta.pro secondary industry

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

Keywords

• Health insurance
• Health plans
• Dental insurance
• Telemedicine services
• Medical provider network

Headquarters

HQ city

Lisboa

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Plano Saúde Prime (Health Plan Subscriptions): Monthly recurring subscription fees for health plans (Base and Ideal tiers). Fees are priced per person within an aggregate (minimum shown for 4-person family). Plans provide discounted access to the Future Healthcare medical network with no copayments — members pay reduced rates directly to providers at point of service.
2. Seguro Saúde Prime (Health Insurance Premiums): Monthly insurance premiums for health insurance products (Options 1, 2, 3 with varying hospitalization and ambulatory caps). Premiums vary by age, number of insured persons, and selected coverages. Revenue is collected by UNLIMITEDCARE as a licensed insurance agent (Agente de Seguros) acting on behalf of insurers Victoria Seguros and ADVENT INSURANCE PCC LIMITED.
3. Plano Saúde Prime Oral (Dental Health Plan): Monthly subscription fees for a dental-specific health plan offering free consultations and 30 free dental acts, plus discounted treatments. Priced per person within an aggregate.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Saúde Prime is a Portuguese health plan and health insurance provider offering subscription-based Plano Saúde Prime (with Base and Ideal tiers), Plano Saúde Prime Oral dental coverage, and the Seguro Saúde Prime insurance product, distributed directly to individuals/families (Particular) and to companies (Empresas). Customers also access included add-on services — Video-Consulta, Médico ao Domicílio, Observação Médica Remota, and 2ª Opinião Médica — through the MySaúdePrime digital client area on mysaudeprime.pt, with care delivered via the Future Healthcare Group's contracted provider network.

Product overview

Saúde Prime operates as a multi-product health services platform offering three core products: the Plano Saúde Prime (health savings plan with Base and Ideal tiers), Plano Saúde Prime Oral (dental health plan), and Seguro Saúde Prime (health insurance). All products access the Future Healthcare medical network of 50,000+ providers. The portfolio is complemented by integrated service modules including video-consultation, home doctor visits, remote medical observation, and second medical opinion, all accessible through the MySaúdePrime client portal. Founded in 2003, the company pioneered health plans in Portugal and continues to expand its digital health services.

Differentiator

Problem solved

Functional benefit

Brands

• Plano Saúde Prime: A health plan offering access to medical services at reduced prices, with no waiting periods or exclusions for pre-existing conditions. Includes Base and Ideal variants.
• Plano Saúde Prime Oral
• Seguro Saúde Prime
• MySaúdePrime

Products and services

• Plano Saúde Prime Subscription-based private health plan offered in two tiers — Base and Ideal — covering access to the contracted medical provider network for individuals, families (Particular), and corporate groups (Empresas).
• Plano Saúde Prime Oral Dental health plan variant of Plano Saúde Prime, providing dental coverage as part of the company's broader health plan portfolio.
• Seguro Saúde Prime Health insurance product from Saúde Prime designed to provide insurance-based coverage as an alternative or complement to subscription plans.
• Video-Consulta Teleconsultation service enabling subscribers to consult healthcare providers remotely, included as an ancillary service with Saúde Prime plans.
• Médico ao Domicílio Home doctor service allowing plan subscribers to request an in-person physician visit at their residence, included as an ancillary service with Saúde Prime plans.
• Observação Médica Remota (OMR) Remote medical monitoring service that allows healthcare providers to track and observe patients' health parameters from a distance, included as an ancillary service with Saúde Prime plans.
• 2ª Opinião Médica Second medical opinion service providing subscribers with access to an additional expert clinical opinion on diagnoses or treatment plans, included as an ancillary service with Saúde Prime plans.

Quantifiable outcome

• Average ~40% savings on all medical acts of prevention, diagnosis, and treatment with Plano Saúde Prime
• +3 more outcomes

Named customers9 records

Segments2 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

Eleven partnerships are on record, tiered minor and core.

• MovSaúde – Associação Pela Prevenção da Doença OncológicaminorStrategic or Co-development Partner · 1 March 2024MovSaúde is a non-profit association founded in March 2024 focused on health promotion and cancer prevention, particularly digestive cancers. Saúde Prime supports this initiative as part of its commitment to health literacy and prevention.
• Corrida Corre JamorminorGTM or Marketing Partner · 1 November 2021Saúde Prime was the naming sponsor of the 'Corrida Corre Jamor' event (November 2021), a 10km race and 3km walk. The event included a charitable component with donations to ADPD – Associação Protetora dos Diabéticos de Portugal. Held on World Diabetes Day (November 14).
• Operação Nariz VermelhominorStrategic or Co-development Partner · 1 April 2021Partnership with Operação Nariz Vermelho (Operation Red Nose), known for its Doctor Clowns who bring joy to hospitalized children. Since April 2021, Saúde Prime donates €1 per product adhesion to this organization, as part of its 'Saúde Prime Solidária' social responsibility program.
• Associação Abrigo para a VidaminorStrategic or Co-development Partner · 1 January 2019Based in Vila Nova de Gaia, this association supports children and adults with severe disabilities through equipment purchases and fundraisers. Saúde Prime has been contributing to their campaigns since 2019.
• OH GUI – Rugby Para TodosminorStrategic or Co-development Partner · 1 January 2017OH GUI is an adapted rugby project by Cascais Rugby for people aged 20–60 with physical and mental disabilities, promoting loyalty, teamwork, self-esteem, concentration, and discipline. Saúde Prime Solidária has supported this project since 2017.
• Raríssimas – Associação Nacional de Deficiências Mentais e RarasminorStrategic or Co-development Partner · 1 January 2015Raríssimas is a national private social solidarity institution supporting patients, families, and friends affected by rare diseases. Since 2015, when it signed a sponsorship protocol with the 'Casa dos Marcos' in Moita, Saúde Prime has supported this cause.
• Vela Sem LimitesminorStrategic or Co-development Partner · 1 January 2014Vela Sem Limites ('Sailing Without Limits') is a project run by Clube Naval de Cascais, Câmara Municipal de Cascais, and Cercica, providing free adapted sailing for people with disabilities in Cascais. Saúde Prime has supported this initiative since 2014.
• Future Healthcare (Rede Médica FH)coreTechnology or IntegrationFuture Healthcare operates the medical provider network (Rede Médica Future Healthcare) with 50,000+ healthcare providers that underpins all Saúde Prime products. Both Plano and Seguro Saúde Prime products use this network. Saúde Prime is a brand within the Future Healthcare Group.
• Victoria Seguros S.A.coreTechnology or IntegrationVictoria Seguros S.A. (NIPC 506 333 027, headquartered at Av. Liberdade nº 198/200, Lisbon) is the underwriter for the Seguro Saúde Prime insurance product. UNLIMITEDCARE acts as licensed insurance agent on behalf of Victoria Seguros.
• ADVENT INSURANCE PCC LIMITED – UNLIMITEDCARE CELLcoreTechnology or IntegrationADVENT INSURANCE PCC LIMITED (registered in Malta, NIPC 980590086) underwrites the Plan Saúde Prime insurance component. UNLIMITEDCARE has been conferred powers to enter into insurance contracts and receive premiums on behalf of this insurer.
• Associação Terra dos SonhosminorStrategic or Co-development PartnerSaúde Prime financed the 'WeGuide' project developed by Associação Terra dos Sonhos — a 12-month health guide to support oncology patients and their families, humanizing the disease journey.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Multicare: Multicare is Portugal's largest dedicated health insurer, a subsidiary of Fidelidade. It sells individual and corporate health plans with national provider network access, directly competing with Saúde Prime's Plano and Seguro offerings for the same consumer and SME segments.
• Médis: Médis is one of Portugal's leading health insurers, owned by Ageas Portugal. It offers individual and corporate health plans with broad provider networks, directly comparable to Saúde Prime's multi-tier plan and insurance portfolio targeting families and SMEs.
• AdvanceCare: AdvanceCare is a Portuguese specialist in health-insurance management and third-party administration, working with insurers and corporates. It is comparable to Saúde Prime in the health-plan administration, claims management, and provider-network brokerage layers of the value chain.
• CUF Saúde: CUF Saúde is the health-insurance and health-plan arm of the CUF hospital group (also a network partner of Saúde Prime). It sells its own subscription health plans and insurance, making it both a partner and a direct competitor in Portugal's discount-network and insurance segments.

Broad incumbents

• Fidelidade: Fidelidade is Portugal's largest insurance group and parent of Multicare. It offers a broad portfolio including health alongside life, auto, and property, and competes with Saúde Prime across consumer and corporate segments with much greater scale and capital depth.
• Generali Seguros: Generali Seguros is a large Portuguese general insurer with health-insurance offerings. It is comparable as a broad-incumbent competitor offering health alongside other insurance lines, but does not specialise in Saúde Prime's discount-network plan niche.
• Tranquilidade: Tranquilidade is a long-established Portuguese multi-line insurer with health products in its portfolio. It competes with Saúde Prime for the same consumer base while operating as a much broader insurance franchise.
• Ageas Portugal: Ageas Portugal is a major multi-line insurer and parent of Médis. It competes with Saúde Prime in health insurance while also offering a wide portfolio of non-health products, positioning it as a larger, broader incumbent rather than a focused specialist.

Emerging players

• knok: knok is a Portuguese digital-health startup offering video-consultation and home-visit telemedicine services. It overlaps with Saúde Prime's telemedicine and home-doctor modules but focuses on a tech-enabled, on-demand care model rather than full health-plan administration.

Regional players

• Sanitas: Sanitas is a Spanish health-insurance and health-services provider (part of Bupa) that operates in Iberia but outside Portugal. It is a useful regional comparable for the combined health-plan-plus-services model that Saúde Prime operates in Portugal.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@SaudePrime
• Facebookfacebook.com/saude.prime.2003
• LinkedInlinkedin.com/company/saudeprime
• Instagraminstagram.com/saude.prime

Compliance2 records

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 Saúde Prime