What CH Salud does

CH Salud is a Murcia-headquartered Spanish company that sells annual membership cards granting individuals and families access to a nationwide network of contracted private healthcare providers at pre-negotiated, transparent ('baremos') rates. Members pay a yearly fee (€35 Individual, €60 Duo, €149 Family, all VAT included) and then pay per-use for actual medical services on top of the card fee, rather than committing to a traditional health insurance premium. The company serves individuals and collectives across all 50 Spanish provinces — including the Canary Islands, Balearic Islands, Ceuta, and Melilla — who want to avoid long public-system wait times and the cost of conventional private insurance, with explicit no-exclusion, no-waiting-period underwriting.

The product portfolio centers on three subscription tiers (Individual, Duo, Familiar) and modular add-ons including CH Especialidades (specialty access via 20,000+ professionals), CH Odontología (dental), CH Diagnósticos y Tratamientos (diagnostics), and CH Legal (free legal consultations with predefined tariffs). The technology stack is a healthcare-aggregator architecture rather than a tech platform: a web property at chsalud.es with clinic search, specialty and province filtering, and appointment booking, plus a native mobile application (Tarjeta Virtual CH Salud) on iOS and Android that delivers the digital membership card and on-the-go directory access. The provider network is anchored by major Spanish hospital groups including Quirónsalud (30+ facilities), IMED Hospitales, Centro Médico Virgen de la Caridad, Clinic Balear, and Clínica Baviera (70+ ophthalmology locations).

Revenue is generated primarily through recurring annual membership subscriptions, supplemented by network-affiliation fees paid by contracted clinics to access CH Salud's subscriber base. Distribution is direct-to-consumer via website self-serve and phone sales, layered with an independent mediator/affiliate channel and a direct collective/group sales motion targeting associations and organizations. No disclosed revenue, headcount, subscriber count, funding history, or acquisition activity exists in the source material; ownership is closely held private with no parent company, institutional backing, or public listing identified.

Name

CH Salud

Legal name

CH Salud

Website

https://chsalud.es

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

CH Salud is a Murcia, Spain-based healthcare membership card service selling annual subscriptions (€35–€149, VAT included) that give individuals and families across Spain access to a nationwide network of 20,000+ contracted private medical providers on a pay-per-use basis.

Ownership category

akta.pro rank

Headquarters

HQ city

Murcia

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Annual Membership Fees: CH Salud generates revenue primarily through annual membership fees charged to individual and family subscribers. Members pay a yearly fee to access their network of contracted private healthcare providers at pre-negotiated, reduced rates. The model is 'pay-per-use' meaning members only pay for services when they actually use them, on top of their annual card fee.
2. Network Affiliation Fees: Medical centers and clinics pay to be included in the CH Salud provider network, gaining access to CH Salud's customer base.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

CH Salud operates a healthcare membership card service in Spain that gives individual and family subscribers access to a nationwide network of contracted private clinics and over 20,000 medical professionals at pre-negotiated reduced tariffs. Members pay an annual subscription fee (tiered Individual, Duo, or Family) and a separate pay-per-use fee when they consume medical services, with no waiting periods, exclusions, or waiting lists. The company also offers specialty modules (dental, diagnostics, legal consultation) and a virtual card mobile application for access and identification.

Product overview

CH Salud is a private healthcare membership card service based on a pay-per-use model. The core offering consists of subscription tiers (Individual, Duo, and Familiar) providing access to a nationwide network of contracted private clinics and over 20,000 medical professionals. The product portfolio includes specialty modules for medical specialties (CH Especialidades), dental services (CH Odontología), diagnostics and treatments (CH Diagnósticos y Tratamientos), and legal services (CH Legal). Additionally, CH Salud provides a digital virtual card mobile application (Tarjeta Virtual) for iOS and Android that enables users to access their digital card and medical directory via smartphone.

Differentiator

Problem solved

Functional benefit

Brands

• CH Legal: Legal consulting services provided to CH Salud cardholders with pre-set tariffs and free initial consultations.
• CH Especialidades
• CH Odontología
• CH Diagnósticos y Tratamientos

Quantifiable outcome

• Access to over 20,000 healthcare professionals
• +1 more outcomes

Named customers5 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

Integration2 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core and regional.

• QuirónsaludcoreChannel Partner/ Reseller/ DistributorMajor hospital network partnership providing CH Salud members access to Quirónsalud hospitals across Spain. CH Salud members receive negotiated rates at over 30 Quirónsalud locations including Hospital Quirónsalud Barcelona, Hospital Quirónsalud Madrid, Hospital Quirónsalud Valencia, and numerous other facilities offering general and specialized medical services.
• IMED HospitalescoreChannel Partner/ Reseller/ DistributorIMED Hospitales partnership provides CH Salud members access to IMED facilities in Valencia and Alicante regions including Hospital Imed Valencia, Hospital Imed Elche, Hospital Imed Levante, and multiple IMED clinics offering comprehensive medical services.
• Centro Médico Virgen de la CaridadcoreChannel Partner/ Reseller/ DistributorMulti-location medical center group serving CH Salud members primarily in the Murcia region, including locations in Cartagena, Murcia city, Mazarrón, and other nearby municipalities.
• Clinic BalearregionalChannel Partner/ Reseller/ DistributorMedical clinic network partnership providing CH Salud members access to Clinic Balear facilities across the Balearic Islands including Hospital Clinic Balear in Palma and numerous clinic locations throughout Mallorca, Menorca, and Ibiza.
• Clínica BavieraregionalChannel Partner/ Reseller/ DistributorOphthalmology clinic chain partnership with over 70 Clínica Baviera locations across Spain, providing CH Salud members with eye care services including consultations, diagnostics, and surgical procedures.
• Centro Médico Tres RamblasregionalChannel Partner/ Reseller/ DistributorMedical center in Las Palmas de Gran Canaria serving CH Salud members in the Canary Islands with general and specialized medical services.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Asisa: Spanish mutual-style health insurer offering private healthcare plans with a national provider network, including dental coverage. Directly comparable to CH Salud as a Spanish healthcare access subscription product with multi-tier pricing and family coverage options.
• DKV Seguros Médicos: Spanish private health insurer offering modular insurance products including dental and specialty care, with a national provider network. Comparable to CH Salud in targeting Spanish consumers with affordable private healthcare access, though with a broader insurance portfolio.
• Vitaldent (Dentix group): Spanish dental clinic chain offering low-cost dental services and treatment plans nationwide, with a membership/discount-style access model. Comparable to CH Salud's CH Odontología sub-brand in providing affordable dental access through a contracted provider network in Spain.
• Adeslas (SegurCaixa Adeslas): Spain's largest health insurer by market share, providing private health insurance with access to a nationwide medical network. Directly comparable in serving Spanish consumers seeking private healthcare access, though Adeslas offers full insurance underwriting rather than a pure discount-card model.
• Sanitas (part of Bupa): Spain's leading private health insurer and clinic operator, offering health insurance plans with access to a large provider network including its own hospitals. Directly comparable to CH Salud as both sell subscription-based access to private healthcare providers in Spain, though Sanitas also provides full insurance coverage and owns clinical capacity.
• Sanitas Dental: Sanitas's dental-only subscription product offering affordable access to a network of dental clinics across Spain. Closely comparable to CH Salud's CH Odontología sub-brand in offering low-price subscription dental access through contracted providers in Spain.

Broad incumbents

• Cigna Spain: Global health services company offering health insurance and supplementary health services in Spain. Overlaps with CH Salud in selling subscription-based private healthcare access, but as part of an international portfolio rather than a Spain-specialist network.
• Mapfre Salud: Spanish insurance giant with a dedicated health division offering private medical insurance with a national provider network. Comparable as a Spanish healthcare access subscription product, though as part of a much larger multi-line insurer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/chsalud
• Facebookfacebook.com/chsalud

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 CH Salud