Cardmil Assistência em Serviços e Consultoria

What Cardmil Assistência em Serviços e Consultoria does

Cardmil Assistência em Serviços e Consultoria is a privately-held Brazilian direct-to-consumer subscription benefits club founded in 2017 by Dra Layla Ali and her father, headquartered in Águas Lindas de Goiás. The company operates two core subscription tiers — Plano Nacional at R$49.90/month (or R$598.80/year) and Plano Águas Lindas at R$149.90/month (or R$1,798.80/year) — that bundle telemedicine, residential, pet, funeral, and automotive assistance, R$10,000 accidental death life insurance, monthly R$10,000 prize drawings, and discounts across a 10,000+ establishment pharmacy network and national retail and education partners.

The underlying technology centers on a Telemedicina 24h platform delivering unlimited free 24-hour medical consultations via videoconference across Brazil at a fixed R$50 price, complemented by a self-serve e-commerce storefront at cardmil.com.br/loja.html and a WhatsApp sales channel. National partners (Casas Bahia, Shein, Shopee, Gool, Udemy, Unyleya) and regional healthcare providers (Clínica Nova Saúde, Laboratório Staal, Oftalmed, Óticas Gabriel Lima, Odonto Center, Rapidão Gás) supply the discount and service backbone, with the premium Águas Lindas tier adding flagship perks (6 free consultations/exams annually at Clínica Nova Saúde, R$450 annual cash back from Laboratório STAAL).

The business model is a direct-to-consumer subscription club with no external funding, no institutional ownership, and a lean 8-person team. Revenue is generated entirely from recurring monthly and annual subscription fees across the two tiers, with no disclosed enterprise contracts, B2B customers, or capital raises. Marketing is conducted primarily through the company website, WhatsApp, social media, and testimonial-based content from named individual subscribers.

Name

Cardmil Assistência em Serviços e Consultoria

Legal name

Cardmil Assistência em Serviços e Consultoria

Website

https://cardmil.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Cardmil is a Brazilian direct-to-consumer subscription benefits club founded in 2017, bundling 24/7 telemedicine, medication discounts, and lifestyle assistance across two plan tiers (Plano Nacional and Plano Águas Lindas) for individuals and families throughout Brazil.

Ownership category

akta.pro rank

Product category

Subscription Health and Assistance Benefits

NAICS

Health and Welfare Funds (52512)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Membership/Subscription Concierge Virtual Care (HLALAAAH)

Keywords

• Membership benefits club
• Telemedicine subscription
• Pharmacy discount network
• Assistance services plans
• Consumer health benefits

Headquarters

HQ city

Águas Lindas de Goiás

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Subscription Plans: Monthly and annual subscription fees from two plan tiers (Nacional and Águas Lindas) providing access to health, safety, savings, and insurance benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Cardmil sells recurring subscription memberships (Plano Nacional and Plano Águas Lindas) that bundle health, safety, and savings benefits for Brazilian individuals and families. Subscriptions include unlimited 24-hour telemedicine, up to 70% pharmacy discounts across 10,000+ establishments, residential/pet/funeral/automotive assistance, R$10,000 accidental death life insurance, and entry into monthly R$10,000 prize drawings.

Product overview

Cardmil Assistência em Serviços e Consultoria operates as a membership-based benefits club offering two subscription plans: Plano Nacional (R$49.90/month) providing nationwide coverage and Plano Águas Lindas (R$149.90/month) offering regional advantages in Águas Lindas - GO. Both plans include core modules for telemedicine, residential assistance, pet assistance, funeral assistance, automotive assistance, life insurance, medication discounts, and monthly prize drawings. The Plano Águas Lindas additionally provides exclusive local access to Clínica Nova Saúde and Laboratório STAAL with annual payment option of R$1,798.80.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Nacional Monthly or annual subscription plan providing nationwide Brazilian coverage with unlimited 24-hour telemedicine (general practice, pediatrics, gynecology, cardiology, and more), medical consultations at a fixed R$50 price, up to 70% discounts and 30% cash back on medications across 10,000+ pharmacies, R$10,000 accidental death life insurance for titular and spouse, residential/pet/funeral/automotive assistance, and entry into monthly R$10,000 prize drawings. Priced at R$49.90/month or R$598.80/year and targeted at individual consumers and families seeking affordable health, safety, and savings benefits.
• Plano Águas Lindas Premium regional subscription plan for residents of Águas Lindas de Goiás that includes every benefit of Plano Nacional plus exclusive local advantages: 6 free consultations/exams per year at Clínica Nova Saúde, R$450 annual cash back from Laboratório Staal, dental treatments via Odonto Center, and discounts at Oftalmed, Óticas Gabriel Lima, and Rapidão Gás. Priced at R$149.90/month or R$1,798.80/year and targeted at local Águas Lindas consumers seeking enhanced regional healthcare access layered onto the national benefits package.

Quantifiable outcome

• Up to 70% discount on generic and brand medications
• +4 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Twelve partnerships are on record, tiered core, minor and flagship.

• Casas BahiacoreGTM or Marketing PartnerNational retail partner offering exclusive discounts to Cardmil subscribers across electronics, furniture, and household products.
• SheincoreGTM or Marketing PartnerNational e-commerce fashion retailer partner providing special offers and discounts for Cardmil members on clothing and accessories.
• ShopeecoreGTM or Marketing PartnerNational e-commerce marketplace partner offering promotional deals and discounts for Cardmil subscribers on various products.
• GoolminorGTM or Marketing PartnerRegional partner offering technology or services discounts to Cardmil members.
• UdemycoreGTM or Marketing PartnerOnline education platform partner offering educational course discounts and special pricing for Cardmil subscribers.
• UnyleyacoreGTM or Marketing PartnerHigher education and online learning partner providing educational discounts and exclusive offers for Cardmil members.
• Clínica Nova SaúdeflagshipStrategic or Co-development PartnerFounding healthcare partner established by Dra Layla Ali and her father. Offers 6 free consultations/exams per year for Plano Águas Lindas subscribers. Located in Águas Lindas de Goiás with full medical services.
• Laboratório StaalflagshipStrategic or Co-development PartnerRegional laboratory partner offering diagnostic services with R$ 450 annual cash back for Plano Águas Lindas subscribers. Located in Shopping Águas Lindas.
• OftalmedcoreStrategic or Co-development PartnerOphthalmology clinic partner providing eye care services and discounts to Cardmil subscribers in Águas Lindas de Goiás region.
• Óticas Gabriel LimacoreStrategic or Co-development PartnerOptical retail partner offering eyewear and vision care discounts to Cardmil subscribers in Águas Lindas de Goiás.
• Odonto CentercoreStrategic or Co-development PartnerDental care partner providing orthodontic and dental procedure discounts for Cardmil subscribers.
• Rapidão GásminorStrategic or Co-development PartnerRegional gas delivery service partner offering discounts for Cardmil subscribers in Águas Lindas de Goiás.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Hapvida NotreDame Intermédica: Large Brazilian healthcare and health-insurance operator with integrated provider networks; competes broadly with Cardmil for the same affordable-healthcare consumer but offers vertically integrated care at much larger scale.
• Porto Seguro Saúde: Insurance arm of Porto Seguro offering health insurance and related benefits products; relevant incumbent given Cardmil's inclusion of accidental-death life insurance and broader assistance bundles.

Emerging players

• Pipo Saúde: Brazilian digital health-benefits startup selling subscription plans focused on small and mid-sized businesses; overlaps with Cardmil on subscription healthcare delivery but targets corporate buyers.
• Dotz: Brazilian consumer rewards platform offering cashback and discounts at a national retail partner network; similar in concept to Cardmil's discount network and benefits-club positioning for Brazilian consumers.
• Memed: Brazilian digital health platform offering telehealth consultations and prescription services; comparable to Cardmil on telemedicine delivery but focused on pharmaceutical workflow.
• Livelo: Brazilian loyalty/rewards club selling subscription tiers with discount and cashback benefits across retail and travel partners; comparable to Cardmil on the discount-club mechanics and partnership-driven value proposition.

Direct peers

• Sami: Brazilian healthtech offering affordable subscription health plans with telehealth and a curated provider network; closely comparable to Cardmil's telehealth-led, subscription-first model for underserved consumers.
• Dr. Consulta: Brazilian healthcare subscription service offering low-cost in-person and virtual consultations bundled with exams; Cardmil matches this affordable subscription care model with a D2C telemedicine-first bundle priced similarly for middle-income consumers.
• Conexa Saúde: Brazilian telehealth and integrated care platform that sells virtual consultation services to consumers and B2B partners; compares to Cardmil as a telehealth-enabled healthcare access model in Brazil.
• Alice: D2C Brazilian health plan operator that delivers subscription-based healthcare with a strong telemedicine component; Cardmil targets a similar consumer but at a much lower price point with a benefits-club wrapper.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cardmil-assistencia

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Cardmil Assistência em Serviços e Consultoria