What Capesesp does

CAPESESP (Caixa de Previdência e Assistência dos Servidores da Fundação Nacional de Saúde) is a Brazilian non-profit closed supplementary pension entity (Entidade Fechada de Previdência Complementar, EFPC) founded in 1958 and headquartered in Rio de Janeiro. It serves federal public servants and retirees affiliated with Fundação Nacional de Saúde (FUNASA), delivering two product lines: supplementary pension plans and a supplementary health insurance offering branded CAPESAÚDE. Pension products include FUTURO PREV Família for family coverage and the Multi Entes Federativos plan, which extends eligibility to multiple federal government entities. Health products span primary care, urgent care (CAPESAÚDE Urgente), an owned integrated care clinic (Clínica de Cuidado Integral CAPESAÚDE), and a telehealth service (Telessaúde), all without coparticipation fees.

The operating model is that of a mutual benefit association governed by an elected Deliberative Council, with no external shareholders, venture capital, or private equity ownership. Revenue derives from recurring pension contributions and monthly health-plan premiums, both under direct regulatory oversight of PREVIC for pension operations and ANS for health-plan operations. The entity also publishes IDSS quality ratings and achieved the maximum ANS Mapeamento do Risco Assistencial score of 1.0000, while PREVIC recognized it for administrative efficiency in its December 2025 report. Member-facing distribution runs through a self-service portal (Autoatendimento), mobile applications on iOS and Android, WhatsApp, phone, and an Instagram presence, with no public APIs or developer SDKs documented. The technology stack is non-proprietary, anchored on standard member and credentialed-provider portals, and there are no disclosed AI/ML capabilities, patents, or proprietary models.

Name

Capesesp

Legal name

Caixa de Previdência e Assistência dos Servidores da Fundação Nacional de Saúde

Website

https://capesesp.com.br

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Supplementary Pension and Health Insurance

NAICS

Pension Funds (525110), Pension Funds (52511), Health and Welfare Funds (525120)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Supplementary pension plans
• Health insurance plans
• Closed pension entity
• Mutual benefit society
• Telehealth services

Headquarters

HQ city

Câmara

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions: Recurring contributions from public servants enrolled in pension plans, regulated by PREVIC (Superintendência Nacional de Previdência Complementar).
2. Health Plan Premiums: Monthly premiums from health insurance plans (CAPESAÚDE), regulated by ANS (Agência Nacional de Saúde Suplementar).

Distribution channels1 record

Marketing channels3 records

Core offering

Capesesp operates as a closed supplementary pension entity (EFPC) and supplementary health plan provider for public servants and retirees of the Fundação Nacional de Saúde (FUNASA). It sells recurring pension plans (FUTURO PREV Família and Multi Entes Federativos) and the CAPESAÚDE supplementary health insurance line, including urgent care, primary care through owned clinics, and no-coparticipation telehealth services. Revenue is generated from monthly health plan premiums and recurring pension contributions from participants.

Product overview

Capesesp (Caixa de Previdência e Assistência dos Servidores da Fundação Nacional de Saúde) operates as a supplementary pension entity (EFPC) and health insurance provider. The company offers two main product lines: (1) Health plans under the CAPESAÚDE brand, including primary care clinics, urgent care, and telehealth services without coparticipation fees; and (2) Pension plans including FUTURO PREV Família for family coverage and Multi Entes Federativos for federal government entities. The portfolio includes both defined contribution pension products and supplementary health insurance, with integrated care delivery through owned clinics and a network of credentialed providers.

Differentiator

Problem solved

Functional benefit

Brands

• CAPESAÚDE: Supplementary health plan offered by Capesesp
• FUTURO PREV FAMÍLIA
• CAPESESP Multi Entes Federativos

Products and services

• CAPESAÚDE Supplementary health insurance plan offering primary care, urgent care, and access to a network of credentialed healthcare providers for beneficiaries of the Fundação Nacional de Saúde (FUNASA). Regulated by ANS.
• CAPESAÚDE Urgente Urgent care service within the CAPESAÚDE health plan providing immediate medical attention for emergencies to FUNASA-affiliated members.
• FUTURO PREV Família Supplementary pension plan designed for family coverage, providing retirement and survival benefits for participants and their dependents. Regulated by PREVIC.
• Multi Entes Federativos Supplementary pension plan for multiple federal government entities, offering retirement and survival benefits for public servants.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• ANS (Agência Nacional de Saúde Suplementar)coreOthersBrazil's national regulatory agency for supplementary health, responsible for overseeing CAPESAÚDE health plan operations and ensuring compliance with health insurance regulations.
• PREVIC (Superintendência Nacional de Previdência Complementar)coreOthersBrazil's national regulatory body for supplementary pension plans, overseeing CAPESESP's pension fund operations, investment policies, and financial sustainability.
• Fundação Nacional de Saúde (FUNASA)coreStrategic or Co-development PartnerFederal foundation whose employees and retirees are the primary beneficiaries of CAPESESP's pension and health plans. FUNASA employees form the core membership base of the entity.

Recent moves6 records

Expansion highlights5 records

Direct peers

• CASSI (Caixa de Assistência dos Funcionários do Banco do Brasil): CASSI is a mutual health and assistance operator exclusively serving Banco do Brasil employees and retirees. It mirrors Capesesp's structure of bundling health plans and welfare services for a captive federal financial-sector employee base under ANS regulation.
• GEAP Saúde: GEAP is a health plan self-management entity (autogestão) serving public servants and affiliates. Like Capesesp, it operates under ANS regulation, is non-profit, and focuses on a defined public-sector membership.
• PETROS (Fundação Petrobras de Seguridade Social): PETROS is the closed pension fund for Petrobras employees, managing supplementary retirement benefits under PREVIC oversight. Comparable to Capesesp's FUTURO PREV Família and Multi Entes plans in serving a defined institutional employee base.
• FAPES (Fundação de Assistência e Previdência Social do BNDES): FAPES administers supplementary pension and health benefits for BNDES employees. Directly comparable to Capesesp's dual pension and health offering for a defined federal development-bank employee population.
• Postal Saúde: Postal Saúde provides supplementary health coverage to Correios (Brazilian postal service) employees and retirees. Comparable to Capesesp as a closed, employer-affiliated health plan serving a defined federal workforce.
• FUNCEF (Fundação dos Economiários Federais): FUNCEF is the closed pension fund for Caixa Econômica Federal employees, administering defined benefit and defined contribution plans. Directly comparable to Capesesp's pension entity serving FUNASA's public servants under PREVIC regulation.
• PREVI (Caixa de Previdência dos Funcionários do Banco do Brasil): PREVI is one of Brazil's largest closed pension funds, providing retirement benefits exclusively to Banco do Brasil employees. It parallels Capesesp's role as a closed EFPC administering supplementary pensions to a federal-affiliated workforce under PREVIC oversight.
• SERPROS (Instituto Serpro de Seguridade Social): SERPROS is the closed pension and welfare fund for Serpro employees. It mirrors Capesesp's combined pension-and-welfare mutual model for a federal technology-sector workforce.

Broad incumbents

• Hapvida NotreDame Intermédica: Hapvida is one of Brazil's largest vertically integrated health insurers with hospitals, clinics, and broad provider networks. It competes broadly with CAPESAÚDE for supplementary health members and dwarfs Capesesp in scale, capital, and geographic reach.
• Amil (UnitedHealth Group Brasil): Amil is a major Brazilian health insurer and provider, part of UnitedHealth Group. It competes with CAPESAÚDE in the supplementary health market and represents the scaled, technology-driven incumbent Capesesp's offerings must benchmark against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xinstagram.com/capesespoficial
• Instagraminstagram.com/capesespoficial
• YouTubeyoutube.com/capesesp
• Facebookfacebook.com/capesespoficial
• LinkedInlinkedin.com/company/capesesp

Compliance3 records

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 Capesesp