SNS Card Network

What SNS Card Network does

SNS Card Network is a Brazilian private healthcare discount card operator headquartered in Orleans, Santa Catarina, founded in December 2015. The company sells subscription-based access to a curated network of healthcare providers — including physicians, laboratories, imaging centers, hospitals, dental clinics, and pharmacies — at discounts of up to 70% off private-market prices. Subscription plans range from a R$29.90/month telemedicine-only tier to R$49.90 individual and R$79.90 family-complete tiers, plus custom-priced corporate plans for employer-sponsored benefits. Member-facing technology consists of a Wix-hosted website and a mobile app providing virtual card access, appointment scheduling, and telemedicine consultations, with WhatsApp serving as the primary sales and support channel. Distribution is hybrid: three company offices in Orleans, Braço do Norte, and Criciúma combined with a franchise program targeting cities of 20,000+ population at a R$25,000 entry fee and no ongoing royalties.

The business model rests on three revenue streams: (1) recurring individual and family subscriptions, (2) recurring corporate/enterprise plans with copay structure, and (3) one-time franchise fees plus unit setup costs. The supply side relies on a network of 300+ partners including national pharmacy chains (Droga Raia, Drogasil) and regional chains (Drogarias Catarinense), plus hospital partners such as Hospital São José in Criciúma, Hospital Sadalla in Joinville, and Hospital Nossa Senhora da Conceição. The company differentiates from traditional health insurance by offering no waiting periods, no age limits, and coverage of pre-existing and congenital conditions. SNS Card is privately held with no disclosed institutional investors or funding rounds, employs 11-50 people, and operates exclusively within Brazil.

Name

SNS Card Network

Legal name

SNS Card

Website

https://snscard.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

SNS Card Network is a Brazilian private healthcare discount card operator selling subscription plans (R$29.90-R$79.90/month) that grant members access to a 300+ partner network of physicians, labs, hospitals, and pharmacies across Santa Catarina at up to 70% discounts, supplemented by corporate plans and a franchise distribution program.

Ownership category

akta.pro rank

Product category

Healthcare Discount Plans

NAICS

Health Care and Social Assistance (62)

SIC

Services-Health Services (8000), Services-Home Health Care Services (8082), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Membership/Subscription Concierge Virtual Care (HLALAAAH)

Keywords

• Healthcare discount plans
• Medical network access
• Telemedicine subscription
• Corporate health benefits
• Franchise healthcare services

Headquarters

HQ city

Orleans

HQ country

Brazil

HQ region

Latin America

Offices3 records

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 and Family Memberships: Monthly subscription fees charged to individual and family members for access to discounted healthcare services through the network of partners. Plans range from R$29.90 to R$79.90 per month depending on coverage level.
2. Corporate/Enterprise Plans: B2B membership plans offered to companies as employee benefits, with simplified HR administration through single invoice or individual billing.
3. Franchise Fees: Initial franchise fee of R$25,000 for new franchisees plus unit setup costs starting from R$35,000. No monthly royalties charged.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

SNS Card Network sells a subscription-based healthcare discount card (Convênio de Saúde) that grants members access to a network of 300+ partnered healthcare providers across Santa Catarina, Brazil, with discounts up to 70% on medical consultations, laboratory and imaging exams, dental care, hospital services, telemedicine, home care, ambulance services, and medications. Plans are offered to individual consumers, families, and corporate clients at monthly fees ranging from R$29.90 to R$79.90, with customized enterprise pricing.

Product overview

SNS Card Network operates a healthcare discount card/benefit platform offering subscription-based health plans to individuals and corporations. The core product is the SNS Card providing access to a network of medical professionals including doctors, laboratories, imaging centers, hospitals, dental clinics, and pharmacies with discounts up to 70%. The product portfolio includes Individual (R$49.90/month), Familiar Completo (R$79.90/month), and Telemedicina (R$29.90/month) subscription plans, plus a corporate Convênio Empresarial plan. Additional offerings include a mobile app with virtual card and telemedicine access, and a franchise program for expanding the network. The company started operations in December 2015 in southern Santa Catarina, Brazil.

Differentiator

Problem solved

Functional benefit

Products and services

• SNS Card (Convênio de Saúde) Core healthcare discount card subscription offering access to 300+ network providers with up to 70% discount on medical consultations, 1,000+ lab and imaging exams, dental care, hospital services, telemedicine, home care, ambulance, medications, and personal accident insurance. Available in Individual (R$49.90/month), Familiar Completo (R$79.90/month), Telemedicina-only (R$29.90/month), and Rede Médica (R$49.90/month) tiers for individuals and families with no waiting period, no age limit, and pre-existing and congenital conditions covered.
• Convênio Empresarial Corporate healthcare benefit plan offered to companies for their employees, with simplified HR administration through single invoice (boleto único) or individual employee billing. Copayment is handled directly by the employee. Customized pricing based on company size and needs. Targets companies seeking affordable employee health benefits without the cost and complexity of traditional corporate health insurance.
• SNS Card App Mobile application for members providing virtual card access, appointment scheduling, and free telemedicine consultations (teleconsultations) exclusive to SNS Card holders. Includes digital seguro features.
• Franquia SNS Card Franchise opportunity enabling entrepreneurs to open an SNS Card-branded physical location with complete operational support including opening consulting, architectural projects, partner accreditation, and team training. Available in cities with 20,000+ population, requiring minimum 60m2 retail space. Franchise fee of R$25,000 plus unit setup costs starting at R$35,000, with no monthly royalties charged.

Quantifiable outcome

• Up to 70% savings on medical consultations compared to private healthcare
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• Droga RaiacoreChannel Partner/ Reseller/ DistributorMajor pharmacy chain partner providing medication discounts of up to 70% for SNS Card members. One of the key partner brands featured on the website.
• Drogarias CatarinensecoreChannel Partner/ Reseller/ DistributorRegional pharmacy chain partner in Santa Catarina offering medication discounts to SNS Card members.
• DrogasilcoreChannel Partner/ Reseller/ DistributorNational pharmacy chain partner providing medication discounts for SNS Card members across their network.
• Hospital São JosécoreChannel Partner/ Reseller/ DistributorEmergency and general hospital services provider in Criciúma, offering urgent care and hospital services to SNS Card members.
• Hospital SadallacoreChannel Partner/ Reseller/ DistributorHospital partner in Joinville recently added to the network, expanding coverage in the northern Santa Catarina region.
• Hospital Nossa Senhora da ConceiçãocoreChannel Partner/ Reseller/ DistributorHospital services partner offering general and specialized medical care to SNS Card members.
• FranchiseescoreChannel Partner/ Reseller/ DistributorIndependent franchise operators who open and operate SNS Card physical locations. Minimum city population requirement of 20,000 inhabitants. Franchise fee R$25,000 with unit setup starting at R$35,000. No monthly royalties.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Sami: Brazilian health plan startup with subscription model targeting SMEs and individuals. Directly comparable GTM (corporate + individual) and value proposition (affordable alternative to traditional health insurance), competing in the same low-cost segment as SNS Card.
• Alice: VC-backed Brazilian digital health plan startup offering subscription health plans with a primary-care focus. Comparable to SNS Card in targeting individuals and families seeking an alternative to traditional health insurance, though Alice serves higher-income segments and uses a tech-led model.
• Qsaúde: Brazilian digital health plan operator offering affordable subscription plans to individuals and corporate clients. Comparable subscription model and positioning in the affordable health plan segment, though with national ambition and tech-led approach.
• Dr. Consulta: Brazilian subscription-based healthcare platform offering affordable consultations, exams, and telemedicine. Directly comparable to SNS Card as a DTC subscription healthcare model targeting price-sensitive Brazilian consumers, though Dr. Consulta operates owned clinics rather than a partner network.

Broad incumbents

• Amil: One of Brazil's largest health insurance/plan operators, owned by UnitedHealth Group. Comparable as a health plan provider serving individuals, families, and corporate clients, though at a much larger scale and with a national provider network.
• Hapvida NotreDame Intermédica: Largest Brazilian health plan operator with vertically integrated network of hospitals, clinics, and providers. Comparable as a healthcare plan provider in Brazil, though vastly larger, nationally distributed, and operates owned facilities rather than a partner network model.
• Unimed: Brazil's largest cooperative health plan system with regional cooperatives across the country. Comparable to SNS Card in providing health plan access via provider networks, with strong regional presence (including Santa Catarina via Unimed Grande Florianópolis and others).

Emerging players

• Docway: Brazilian corporate health platform offering on-site and telemedicine services to employees. Comparable to SNS Card's corporate and telemedicine offerings, though focused on B2B with technology-led service delivery.
• Plural Saúde: Brazilian healthcare discount/benefit card model similar to SNS Card, offering access to medical networks at discounted prices via subscription. Closest analog in business model as a discount-card-style convênio rather than a regulated health plan.
• Vale Saúde: Brazilian employee benefit platform for healthcare vouchers and discounts. Comparable as a corporate-channel-driven health benefit product targeting HR teams, overlapping with SNS Card's corporate plan offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cardsns
• Instagraminstagram.com/cartaosns
• LinkedInlinkedin.com/company/snscard

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 SNS Card Network