What Medicard does

Medicard Limited is a private company headquartered in Laventille, Trinidad and Tobago, founded in 2014 that operates a discount card membership program for consumers and corporate clients. The company's core product is a membership card that grants holders access to discounted prices at a network of 500+ merchant partners across Trinidad and Tobago. Medicard serves 200,000+ members through six tiered consumer offerings (Student, Individual, Family 1-year, Family 2-year, Family 3-year, and a single-tier student variant) priced between $120 and $1,170, plus a separate Corporate membership channel for B2B distribution.

The underlying technology is a standard web commerce platform with no disclosed mobile app, API, or proprietary AI/ML capability. Payment processing is delegated to First Atlantic Commerce. The platform's value derives from the curated merchant network and the negotiated discount terms rather than from software or data infrastructure. Member signup is facilitated through four channels: phone, online, in-person at the Laventille headquarters, and a distributor network.

Medicard's business model is a subscription-based discount aggregator. Revenue is generated through upfront membership fees across tiered consumer plans and corporate contracts, with multi-year options (1, 2, and 3 years for the Family tier) designed to lock in retention and improve cash collection. Member acquisition is multi-channel, and the merchant partnership network is the primary asset underwriting the value proposition. The company operates as a two-sided marketplace, monetizing consumer access while merchants receive foot traffic in exchange for discounts. No funding rounds, M&A activity, or major leadership changes are disclosed.

Name

Medicard

Legal name

Medicard Limited

Website

https://medicardlimited.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Medicard Limited is a Trinidad and Tobago-based discount card membership company founded in 2014, serving 200,000+ consumers and corporate clients through a network of 500+ merchant partners across six tiered membership offerings.

Ownership category

akta.pro rank

Headquarters

HQ city

Laventille

HQ country

Trinidad & Tobago

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Individual Membership Subscriptions: Annual subscription fees for individual membership tiers (Student, Standard, Standard Plus One, Family, Senior, Senior Plus One) ranging from $120 to $1,170 per year depending on membership type and term length.
2. Corporate Membership Subscriptions: Volume-based corporate membership packages offered to employers as employee benefits. Pricing is volume related and handled by dedicated account executives.
3. Card Replacement Services: Damaged or lost card replacement at $50.00 plus VAT during membership term.
4. Delivery Fees: Shipping and delivery fees for next day delivery (TT$35.00/US$5.15) generate additional revenue. Pick up at office is free.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Medicard Limited operates a discount card membership program in Trinidad and Tobago, providing members with access to discounts of up to 50% at over 500 merchant locations spanning healthcare, retail, dining, optical, dental, pharmacy, and automotive categories. The company sells six consumer tiers (Student, Standard, Standard Plus One, Family, Senior, Senior Plus One) plus a Corporate Membership package offered to employers as an employee benefit with volume-based pricing.

Product overview

Medicard is a premier discount card program operating as a single, unified membership product with multiple tiered plans rather than a modular platform. The portfolio consists of six consumer membership tiers—Student, Standard, Standard Plus One, Family, Senior, and Senior Plus One—plus a Corporate Membership add-on. All tiers provide access to discounts of up to 50% at over 500 merchant locations across Trinidad and Tobago covering healthcare, retail, dining, and automotive categories. The tiered structure differentiates by coverage (individual, couple, or family), age eligibility (standard vs. senior), and card quantity, with terms available in 1, 2, or 3-year durations. The Corporate Membership functions as a volume-based employer package using the same underlying discount network.

Differentiator

Problem solved

Functional benefit

Products and services

• Student Membership Discount card membership for students aged 18-49 enrolled in tertiary education, requiring proof of attendance. Provides access to discounts nationwide at over 500 merchant locations spanning healthcare, retail, restaurants, optical, dental, and pharmacy.
• Standard Membership Individual discount card membership issuing one card to the primary cardholder. Provides access to discounts nationwide at over 500 merchant locations covering healthcare, retail, dining, and auto care.
• Standard Plus One Membership Discount card membership covering the primary cardholder plus one additional individual such as a child, spouse, or friend. Includes two cards and provides access to discounts at over 500 merchant locations nationwide.
• Family Membership Discount card membership for individuals aged 18-49, issuing two cards covering the primary cardholder, spouse/partner, and up to five dependents (children under 18). Provides access to discounts at over 500 merchant locations nationwide.
• Senior Membership Discount card membership for individuals aged 50 and over. Includes one card issued to the primary cardholder with access to healthcare, optical, auto care, retail, and other discounts at over 500 merchant locations.
• Senior Plus One Membership Discount card membership for two individuals aged 50 and over, covering the primary cardholder plus another individual such as a spouse or friend (also aged 50+). Two cards are issued and provide access to discounts at over 500 merchant locations nationwide.
• Corporate Membership Volume-based corporate membership package offered to employers as an employee benefit, available in Standard (employee only), Standard Plus One (employee plus spouse or child under 20), and Family (employee plus up to 6 dependents) tiers. Sold through dedicated account executives with volume-based pricing, providing staff with access to the same 500+ merchant discount network used by individual members.

Quantifiable outcome

• Discounts up to 50% at 500+ merchant locations
• +2 more outcomes

Named customers5 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

Integration1 record

Partnerships

Eleven partnerships are on record, tiered minor and core.

• A A Laquis LimitedminorOthersDiscount partner offering 5% off selected items. Located at Corner Churchill Roosevelt Highway and Tissue Drive, Trinicity. Part of 500+ merchant network.
• A & L PharmacycoreOthersHealthcare discount partner offering 10% off prescription drugs (excluding sale items). Located at 1 David Ben Gurion Avenue, Morne Coco Rd, Petit Valley. Featured in customer testimonials.
• A & N Drug MartminorOthersHealthcare discount partner offering 10% on prescription drugs and 5% on over the counter drugs. Located at #19 Bonne Aventure Road, Gasparillo.
• Abel Building SolutionsminorOthersHome improvement partner offering 7% on air conditioning equipment only (excluding sale items). Multiple locations across Trinidad and Tobago including Mount Hope, Longdenville, Arouca, Port of Spain, San Fernando, and Scarborough.
• Absolute VisionminorOthersOptical partner offering 10% off on frames. Located at 81 Eastern Main Road Saint Augustine.
• Ace Dental ClinicminorOthersDental partner offering 10% off dental exams and x-rays. Located at 23 Todd Street, San Fernando.
• Acropolis Medical CentreminorOthersMedical services partner offering 10% off all services (excluding services on special). Located at 99B Circular Rd, San Fernando.
• Active Rehab and Sports Injury Centre LtdminorOthersHealthcare partner offering 10% off initial assessment and 10% off all treatment packages including complimentary 30-minute massage. Located at 17A Centre of Excellence, Macoya.
• Adam Smith Square Medical Clinic & Lab ServicescoreOthersHealthcare partner offering 50% off medical consultation fee for new patients only (excluding specials). Located at #1 Adam Smith Square, Woodbrook, Port-Of-Spain.
• 500+ Merchant PartnerscoreOthersNationwide network of over 500 discount partner merchants including hospitals, optical, laboratory services, dental, pharmacy, restaurants, retail, supermarkets, and more across Trinidad and Tobago.
• Corporate EmployerscoreGTM or Marketing PartnerCorporate membership program targeting employers as B2B channel partners. Aligns brand with 200,000+ active cardholders and trusted merchant network. Employers offer Medicard as employee benefit with volume-based pricing.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Careington International Corporation: US-based operator of discount dental, vision, prescription, and wellness membership plans sold to individuals and employer groups via a network of participating providers. Directly comparable to Medicard's model of subscription-funded access to discounted healthcare and retail services through a contracted merchant/provider network.
• New Benefits: Provider of non-insurance discount benefit programs (formerly AmeriPlan) marketed through employers, associations, and directly to consumers, including dental, vision, pharmacy, and medical discount cards. Highly comparable to Medicard's discount-card membership and corporate employer sales motion.
• DentalSave: Subscription-based dental savings plan offering members reduced fees at a network of dentists for an annual fee. Compares to Medicard on the same subscription-discount-network mechanic, though narrower in scope to dental only.

Others

• Rakuten: Cashback and coupon platform offering consumers automatic discounts and rebates at online merchants. Adjacent rather than direct competitor to Medicard's card-based in-store discount model, but represents the digital-native threat to traditional discount-card propositions.
• Groupon: Marketplace for discounted local merchant vouchers across dining, services, and retail. Comparable to Medicard's local-merchant discount aggregation model, but operates as a transactional voucher platform rather than an annual subscription membership.
• Honey (PayPal): Browser extension and app that automatically applies coupon codes and cashback offers at online checkout. Adjacent competitor demonstrating the consumer shift toward app/digital-first discount experiences that Medicard's physical-card model does not address.

Broad incumbents

• Aetna Discount Programs: Major US health insurer offering value-added discount programs (vision, fitness, hearing) as add-ons to insurance products. Comparable to Medicard in offering discount access to healthcare-adjacent merchants, but bundled inside a broader insurance portfolio rather than as a standalone subscription.
• Sam's Club Membership: Annual-fee membership warehouse club that bundles consumer savings across retail and select services. Compares to Medicard on the subscription-funded consumer-savings mechanic and tiered pricing, though operating at vastly larger scale and with broader retail fulfillment.
• Costco Membership: Annual paid membership program delivering discounts on retail goods and selected services (optical, pharmacy, travel). Shares the membership-discount mechanic with Medicard, but operates a closed-loop warehouse model rather than a third-party merchant network.
• UnitedHealthcare Discount Programs: Large US health insurer offering member discounts on wellness, vision, and consumer products as ancillary benefits. Overlaps with Medicard on the healthcare-discount value proposition, but operates at insurer scale and as a complement to insured products rather than a standalone discount subscription.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/medicardtt
• Xx.com/medicardtt
• LinkedInlinkedin.com/company/medicard-limited

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 Medicard