CrowdCare, a crowdfunding platform for medical expenses, has just announced the commencement of its operations in Brazil. The choice of the Brazilian market to expand the company's business was based on the complex landscape of access to healthcare services in the country. The company, headquartered in Deerfield Beach, Florida, has been operating in the United States since May 2025. CrowdCare's business model is to act as a.
traditional crowdfunding , but with an, exclusive focus on funding general medical expenses , including consultations, tests, surgeries, and other hospital and clinical procedures. Through, fixed monthly fees , starting at R$ 250, platform members gain access to the fund to finance their medical expenses, as, private patients. In practice, CrowdCare's focus is to create a community of Brazilians united to help each other finance their medical expenses.
"Although Brazil has a public healthcare system, of a universal nature and funded by state resources, there are significant obstacles that limit care for the population, such as long waiting lists, unequal access between regions, a shortage of professionals, and limitations for those who rely exclusively on the SUS (Unified Health System)," comments.
“Lee Cerasani, Founder and CEO of CrowdCare Americas. The executive also notes that.
supplementary health (health insurance plans) covers only 25% of the Brazilian population , with the majority of beneficiaries being those employed under the CLT regime., "Another obstacle is that individual plans, especially for informal sector workers, have prohibitive prices and are becoming increasingly scarce," he adds.
“Beyond the costs, health insurance plans deny procedures, constantly disaccredit doctors, laboratories, and hospitals, in addition to having endless bureaucracies to authorize tests and surgeries. Lately, another serious problem is unilateral termination, leaving users suddenly without coverage,” points out Cerasani.
“Faced with this complex scenario, CrowdCare aims to increase the population's access to healthcare services in an innovative and visionary way.
Without a provider network, without bureaucracies, and with affordable rates.
"There are several important differentiators in our business model. Beyond the affordable monthly fees, the member can freely choose their doctors, laboratories, and hospitals, using these services as a
“private patient. Therefore, there is no accredited network, nor bureaucracies, as in traditional health plans," points out Cerasani.. However, to maintain the fund's health and ensure all members have their medical expenses financed, there is a member commitment, a fixed fee of R$ 250 for all medical services, except for childbirth, which has a higher fee. Therefore, regardless of the medical expense amount, the member's co-participation will always be the same.
"In practice, every time a member goes for a consultation, has a test, or undergoes surgery, they participate in the costs through this fixed fee. The remainder is financed by CrowdCare. The main advantage of this co-participation model is that even if a member has a high medical expense, they know their member commitment will always be at this fixed rate," explains the executive.
“CrowdCare is a crowdfunding platform for medical expenses.
"We would like to emphasize that CrowdCare is not a health insurance plan. Our members are considered
“private patients. Our platform eliminates the barriers of health insurance plans, offering a transparent, flexible, and accessible way to obtain medical care," says. Karina Brito, CEO of CrowdCare in Brazil. Currently, the company accepts people from 0 to 64 years old. In addition to individual plans, the platform also offers a family plan for up to 4 people. The monthly fees are:.
Individual membership for people aged 0 to 54 – R$ 250
- Individual membership for people aged 54 to 64 – R$ 410
- Family membership for up to 4 members – R$ 550
- "In addition to financing consultations, tests, and surgeries, CrowdCare also offers guidance and consultancy to members, especially to negotiate discounts on higher-value procedures, such as surgeries and more complex tests. Members can also request financing for medications, as well as have access to teleconsultations and online psychotherapy, among other healthcare services," says Karina.
“Unlike health insurance plans, CrowdCare finances all medical expenses that are part of the eligible services, as described in the contract. Regarding adjustments to monthly fees and the member commitment, CrowdCare intends to apply indices commonly used in Brazil, such as the IPCA or others.
"Health is humanity's most precious asset, and the obstacles to medical care in Brazil have significant effects, such as work disability, increased costs of social security leave, delays in diagnosing life-threatening diseases, loss of work productivity, financial problems, and diminished quality of life. Therefore, we hope to bring the Brazilian population an innovative alternative for accessing healthcare services, based on the power of community and the conscious use of crowdfunding," concludes Cerasani.
“CrowdCare, a crowdfunding platform for medical expenses, has just announced the commencement of its operations in Brazil. The choice of the Brazilian market to expand the company's business was based on the complex landscape of access to healthcare services in the country. The company, headquartered in Deerfield Beach, Florida, has been operating in the United States […].
