Starbien

What Starbien does

Starbien (legally Ecosistema Digital Starbien S.A.) is a Chilean digital health aggregator that operates a web-based marketplace connecting consumers with more than 1,000 healthcare services across 150+ clinics, laboratories, dental providers, insurance carriers, and pharmacy chains. Founded in 2023 and headquartered in Santiago (Vitacura), the platform centralizes search, price comparison, and booking for medical consultations, dental services, elective surgeries under Fonasa's Bono PAD fixed-price program (covering 107 procedures), complementary health insurance, and travel health assistance. A flagship monetization mechanism is SbPay VISA, a co-branded credit card issued by Matic Kard S.A. that provides installment financing and $100,000 discounts on surgeries booked through Starbien; this is paired with exclusive pharmacy discounts (up to 30%) at Salcobrand and recurring subscription plans such as Pharma Benefits Care.

The underlying technology is a web platform that aggregates provider availability and pricing rather than delivering care itself, with content assets (educational portal for Bono PAD, FAQ pages) supporting organic SEO acquisition. The platform uses Contentful as its CMS and Next.js image rendering, with a self-serve, product-led growth motion supplemented by partner cross-promotion across clinics, insurers, and pharmacies.

The business model is a multi-stream affiliate/commission structure: referral and lead-generation fees from partner clinics and labs, distribution commissions from insurance carriers (BCI Seguros, Seguros Bupa, Help, Alemana Seguros), pharmacy benefit commissions from Salcobrand, transaction-linked economics on Bono PAD bookings, and transaction fees tied to SbPay VISA financing. Customer segments include Fonasa and Isapre insurance affiliates seeking transparent pricing and elective surgery access, surgical procedure seekers (bariatric, ophthalmological, traumatological, vascular), insurance and wellness seekers, and general healthcare consumers. Go-to-market is digital-first via SEO, social media (Instagram, Facebook, LinkedIn), customer testimonials, and partner referral channels; mid-funnel conversion is supported by WhatsApp, email, and phone follow-up on surgery quotes.

Name

Starbien

Legal name

Ecosistema Digital Starbien S.A.

Website

https://starbien.life

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Starbien is a Chilean digital health marketplace that aggregates 1,000+ services from 150+ clinics, insurers, and pharmacies, enabling consumers to search, compare, and book medical appointments, Bono PAD Fonasa surgeries, insurance, and pharmacy benefits with integrated SbPay VISA financing.

Ownership category

akta.pro rank

Product category

Digital Health Marketplace / Healthcare Services Aggregator

SIC

Services-Health Services (8000)

akta.pro primary industry

Medication Pricing, Copay Assistance & Patient Financial Support Tools (HLACAKAN)

akta.pro secondary industry

Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)

Keywords

• Healthcare marketplace
• Medical appointment booking
• Health insurance distribution
• Surgery price comparison
• Pharmacy benefit programs

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Referral/Lead Fees from Healthcare Providers: Starbien receives referral fees or lead-generation commissions when users book appointments or procedures with partner clinics, laboratories, and healthcare providers through the platform. The company acts as an intermediary channel for provider acquisition.
2. Insurance Distribution Commissions: Starbien serves as a distribution channel for health insurance companies (BCI Seguros, Seguros Bupa, Help, Alemana Seguros) and insurance brokers, earning commissions for policy inquiries and sign-ups routed through the platform.
3. Pharmacy Benefit Commissions: Starbien offers exclusive pharmacy discounts (e.g., 30% at Salcobrand) to users who book via the platform, likely earning commissions or referral fees from pharmacy networks for driving prescriptions and purchases.
4. Bono PAD Administration/Servicing: Starbien coordinates the Bono PAD (Pago Asociado a Diagnóstico) process for Fonasa users seeking surgeries at private clinics, potentially earning service fees for facilitating evaluations, bookings, and financing through SbPay VISA.
5. SbPay Card Issuance and Financing Revenue: SbPay VISA, a co-branded credit card issued by Matic Kard S.A., provides financing for surgeries with discounts (e.g., $100,000 off). Starbien benefits from increased conversion rates on high-ticket healthcare purchases facilitated through the SbPay payment instrument.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Starbien operates a digital health aggregator and marketplace platform that centralizes over 1,000 healthcare solutions from 150+ partner clinics, laboratories, dental chains, and insurance providers across Chile. Users can search, compare pricing, and book medical appointments, surgeries under the Fonasa Bono PAD program, dental services, telemedicine, and complementary health insurance. The platform also integrates SbPay VISA co-branded financing and pharmacy discounts at Salcobrand.

Product overview

Starbien operates as a unified digital health ecosystem that aggregates health services from multiple providers into a single platform. The core offering consists of the Buscador de Salud (health search engine) enabling access to 1,000+ health solutions, combined with Bono PAD Fonasa for fixed-price surgeries, Reserva de Horas for appointment booking, and Seguros y Asistencias for insurance products. The platform integrates sbpay VISA as a financing mechanism for surgery payments. Additional value-added services include Pharma Benefits Care (medication discounts and telehealth), preventive health packages, and exclusive member benefits through partners like Salcobrand, CLINI, and Assist Card. Starbien connects users with over 150 healthcare centers across Chile including Clínica Indisa, Clínica Las Condes, Clínica Santa María, Bionet, and multiple insurance providers.

Differentiator

Problem solved

Functional benefit

Brands

• sbpay: A co-branded VISA credit card offering financing for health surgeries and medical procedures with special discounts when paying with the sbpay VISA card.

Products and services

• Buscador de Salud (Starbien Platform) A digital health services aggregator and marketplace that centralizes over 1,000 health solutions from clinics, medical centers, dental offices, and laboratories across Chile; enables users to search, compare prices, and schedule medical appointments, dental consultations, exams, surgeries under Fonasa Bono PAD, and insurance products.
• Bono PAD Fonasa (Fixed-Price Surgery Program) A fixed-price surgery offering allowing Fonasa users (Tranches B, C, D) to access 107 medical and surgical procedures at partner private clinics with guaranteed pricing. Covers digestive, ophthalmological, dental, traumatological, gynecological, ENT, urology, fertility, vascular, breast reconstruction, neurology, and pediatric surgeries, plus home hospitalization.
• Reserva de Horas (Medical Appointment Booking) Medical and dental appointment reservation service connecting users with hundreds of healthcare providers nationwide, covering medical consultations, dental consultations, exams and labs, vaccination, therapies, mental health, and beauty/wellness services.
• Seguros y Asistencias (Insurance and Assistance Distribution) Insurance and assistance products distributed through the platform including complementary health insurance (BCI Seguros), dental plans (Uno Salud Dental), travel assistance (Assist Card, Europ Assistance), health assistance plans, and school accident coverage (Clínica Indisa).
• SbPay VISA Co-Branded Credit Card Co-branded VISA credit card issued by Matic Kard S.A. that finances surgery copayments up to 100% with up to 12 installments and provides a $100,000 discount on PAD surgeries when used as the payment method.
• Pharma Benefits Care Monthly subscription health benefit plan provided by Pharma Benefits offering 50% discount on generic medications and 20% on brand medications at Salcobrand (up to $20,000 monthly cap), plus telemedicine, emotional assistance, nutritional guidance, sports advice, veterinary teleconsultation, child development support, chronic patient follow-up, sleep clinic, and oral health services.
• Convenio Escolar y de Accidentes (School and Accident Coverage) Annual school and accident coverage agreement provided by Clínica Indisa offering up to 100% coverage of ambulatory and hospital expenses from traumatic accidents, including national coverage, kinesiology rehabilitation, and medical procedures. Valid at Clínica Indisa Providencia and Maipú locations.
• Pack Preventivos Mujer (Women's Preventive Health Packages) Preventive health checkup packages for women offered through partner CLINI with 100% Fonasa Level 1 coverage, including pregnancy exams, age-tiered lab work (ages 30-40 and 40+), and mammography screenings.

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

30 partnerships are on record, tiered core, major and minor.

• Clínica IndisacoreStrategic or Co-development PartnerClínica Indisa is a major private hospital in Santiago serving as a key partner for Starbien's surgical procedures, medical consultations, and school/accident coverage plans (convenios). Starbien routes patients seeking surgeries (vasectomy, bariatric, general) and emergency care to Clínica Indisa's Providencia and Maipú locations.
• Clínica Las Condes (CLC)coreStrategic or Co-development PartnerClínica Las Condes (CLC) is one of Chile's most prestigious private hospitals, partnering with Starbien for ophthalmological (LASIK), traumatological, and other specialty surgeries via Bono PAD. The partnership provides Starbien users access to CLC's renowned specialist physicians.
• Clínica Santa MaríamajorStrategic or Co-development PartnerClínica Santa María, a leading private hospital in Santiago, is listed as a Starbien partner for medical consultations and specialty services. The partnership expands Starbien's provider network for general and specialized care.
• ClinimajorStrategic or Co-development PartnerClini is a key partner for Starbien, offering Fonasa 100% Level 1 coverage preventive health packages for women (ages 30-40, 40+, pregnancy, mammography). Clini's ophthalmology services (LASIK) are also promoted through Starbien.
• SalcobrandcoreStrategic or Co-development PartnerSalcobrand is a major Chilean pharmacy chain offering exclusive 30% discounts on medications to Starbien users who book services through the platform. This partnership integrates pharmaceutical benefits into Starbien's health ecosystem, with discounts accessible via the Mi Salcobrand app.
• BionetmajorStrategic or Co-development PartnerBionet is one of Chile's principal clinical laboratory networks, partnering with Starbien to provide users access to diagnostic tests, lab work, and health examinations through the platform.
• BCI SeguroscoreChannel Partner/ Reseller/ DistributorBCI Seguros offers complementary health insurance through Starbien's platform, providing up to 60% coverage of medical expenses for Fonasa or Isapre users. Starbien acts as a digital distribution channel for BCI Seguros products.
• Assist CardmajorChannel Partner/ Reseller/ DistributorAssist Card is a leading travel assistance company offering health emergency coverage for travelers. Starbien distributes Assist Card products, providing exclusive 30% discounts to platform users.
• Seguros BupamajorChannel Partner/ Reseller/ DistributorSeguros Bupa (Bupa Chile) is a major health insurer partnering with Starbien for supplemental health insurance distribution. Starbien users can compare and request quotes for Bupa health plans.
• Interclínica NetworkmajorStrategic or Co-development PartnerThe Interclínica network (Los Leones, San José, Tarapacá, Los Carrera, Cordillera) is a group of private clinics across Chile partnering with Starbien for traumatological, surgical, and general medical services via Bono PAD.
• GenometricsminorStrategic or Co-development PartnerGenometrics is a genetic testing company (exclusive distributor of Natera) specializing in paternity tests and genetic diagnostics, with over 13 years of experience. Partnered with Starbien to provide genetic testing services.
• Total HealthminorStrategic or Co-development PartnerTotal Health provides home healthcare services including kinesiology, nutrition, psychology, and comprehensive care with over 12 years of experience. Partnered with Starbien for at-home medical services throughout Chile.
• Pasteur (Clínica Pasteur)majorStrategic or Co-development PartnerClínica Pasteur is an ophthalmological clinic offering eye surgeries (chalazion, cataracts, LASIK) via Bono PAD through Starbien. They offer up to 50% discounts on select procedures for SbPay users.
• MediclicminorStrategic or Co-development PartnerMediclic is a digital health/telemedicine provider partnering with Starbien to offer remote medical consultations and health services to platform users.
• MedicenterminorStrategic or Co-development PartnerMedicenter is a medical center network providing outpatient consultations and health services through Starbien's platform.
• Medic HomeminorStrategic or Co-development PartnerMedic Home provides home-based medical care services accessible through Starbien's platform.
• ExamediminorStrategic or Co-development PartnerExamedi is a Chilean health technology company offering laboratory tests and health diagnostics, partnering with Starbien for accessible testing services.
• Europ AssistancemajorChannel Partner/ Reseller/ DistributorEurop Assistance is a global travel and health assistance company offering emergency medical coverage for travelers. Starbien distributes Europ Assistance products alongside Assist Card for travel protection.
• Help (Insurance)minorChannel Partner/ Reseller/ DistributorHelp is a Chilean health insurance provider partnering with Starbien for supplemental insurance distribution through the platform.
• Alemana SegurosminorChannel Partner/ Reseller/ DistributorAlemana Seguros is a health insurance company offering plans through Starbien's insurance distribution channel.
• Alpes DentalminorStrategic or Co-development PartnerAlpes Dental is a dental clinic network providing dental consultations and treatments accessible through Starbien.
• Clínica Dental EverestminorStrategic or Co-development PartnerClínica Dental Everest is a dental clinic providing dental services through Starbien's platform.
• Uno Salud DentalminorStrategic or Co-development PartnerUno Salud Dental is a dental plan provider partnering with Starbien for dental insurance and services distribution.
• Grupo CetepminorStrategic or Co-development PartnerGrupo Cetep is a mental health and psychiatric care provider (clínicas psiquiátricas) offering services through Starbien.
• Clínica SomnominorStrategic or Co-development PartnerClínica Somno specializes in sleep medicine and sleep disorder treatment, offering services through Starbien.
• Clínica MedsminorStrategic or Co-development PartnerClínica Meds is an addiction treatment and rehabilitation center offering services through Starbien.
• Eva SpaminorStrategic or Co-development PartnerEva Spa is a wellness and beauty spa offering beauty and wellness treatments accessible through Starbien.
• Skin UpminorStrategic or Co-development PartnerSkin Up is a dermatology and skincare clinic offering skin health services through Starbien.
• IRAM (Instituto de Radiomedicina)minorStrategic or Co-development PartnerIRAM (Instituto de Radiomedicina) is a radiotherapy and oncology center with over 48 years of experience, offering radiation therapy with Halcyon 5.0 technology. Partnered with Starbien for cancer treatment access.
• SbPay (Matic Kard S.A.)coreStrategic or Co-development PartnerSbPay VISA is a co-branded credit card issued by Matic Kard S.A. that provides $100,000 discounts on select surgeries paid through the Starbien platform. SbPay enables installment financing for high-cost healthcare procedures, driving conversion on Starbien's surgical booking flow.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Examedi: Chilean healthtech platform offering at-home lab tests, diagnostic services, and online booking. Direct competitor in the Chilean consumer health aggregator space; also a Starbien partner for diagnostic testing, illustrating the overlap in target market and business model.
• Docplanner (Doctoralia): Global healthcare professional marketplace (operating Doctoralia in LatAm) connecting patients with doctors and clinics for booking and reviews. Closest international analog to Starbien's provider aggregation model, with deep presence in Brazil, Mexico, Spain, and other markets relevant for Starbien's expansion path.
• Zocdoc: US-based marketplace for booking medical appointments with doctors and dentists, with transparent availability and insurance filtering. Functionally similar to Starbien's appointment booking layer, although serving a different geography and payer model.
• Practo: India-based integrated digital healthcare platform offering doctor booking, telemedicine, and pharmacy delivery. Comparable to Starbien in its combination of provider aggregation, appointment booking, and ancillary health services in a single consumer-facing platform.
• Sesame: US healthcare marketplace offering transparent cash-pay pricing for medical services with direct booking. Closely comparable to Starbien's core differentiator — upfront price transparency and direct consumer booking of healthcare services — though operating in a different regulatory and payer environment.
• BetterDoc: Doctor search and quality comparison platform helping patients identify the right specialist. Operates the same aggregator playbook as Starbien — comparing providers and helping consumers make informed care decisions — though focused on specialist selection rather than price transparency for surgeries.

Regional players

• 1Doc3: Colombian telehealth and health information platform with appointment booking and provider directory. Regional LatAm peer with similar aggregation model, though focused on Colombia rather than Chile. Useful proxy for assessing Starbien's potential expansion into Andean markets.
• Miotta: Mexican health platform providing appointment booking and provider directory services. Comparable LatAm peer operating in a similarly fragmented private healthcare market; relevant benchmark for understanding the addressable opportunity in Mexican expansion.

Broad incumbents

• Ro: US-based integrated telehealth, pharmacy, and diagnostics platform operating across multiple verticals. Broader than Starbien but offers useful perspective on how a marketplace-plus-vertical-integration model could evolve at scale, particularly the embedded pharmacy component analogous to Starbien's Salcobrand partnership.

Others

• Medical Departures: Global medical tourism marketplace connecting patients with international clinics and providing price comparison for procedures. Adjacent comparability to Starbien's price-transparent surgery marketplace, though focused on cross-border travel rather than domestic aggregation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/starbien.cl
• LinkedInlinkedin.com/company/starbiencl
• Instagraminstagram.com/starbien.cl

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Starbien