FioSaude

What FioSaude does

FioSaude (legal name: Caixa de Assistência Oswaldo Cruz) is a Brazilian self-managed health insurance plan (operadora de plano de saúde) operating under the autogestão model and sponsored by Fundação Oswaldo Cruz (Fiocruz), a federal public health research institution. It provides health coverage exclusively to Fiocruz employees, retirees, and their dependents, offering three plan tiers — Plano Fundamental, Plano Total Saúde, and Plano Familiar — via subscription premiums collected primarily through payroll deduction (consignado), with supplemental funding from a Fiocruz per-capita subsidy and a Ministry of Management and Innovation (MPOG) per-capita contribution. The organization is regulated by the Agência Nacional de Saúde Suplementar (ANS) and is a member of Unidas, the Brazilian association of self-managed health plans.

The core product portfolio combines health plan coverage (consultations, exams, hospitalizations, dental care, pharmacy discounts) with a wellness layer branded Programa Viver Melhor, including the Fracture Prevention Program (Programa de Prevenção de Refraturas), oncology patient care, urology prevention (UroSaúde), home care, and a 24-hour guidance center. Digital delivery is channeled through the FioSaúde de Bolso mobile app, a beneficiary web portal, an 0800 urgent/emergency line, and a physical service network spanning headquarters in Rio de Janeiro (Manguinhos) plus regional offices in Recife, Salvador, Belo Horizonte, Manaus, Eusébio (Ceará), and Brasília — covering 7 states plus the Federal District across all major Brazilian regions. Technology features include a digital Carteira Virtual (virtual wallet card) replacing physical PVC cards for beneficiaries under 60 starting June 30, 2026, teleconsultations via video, in-app reimbursement submission, and integration with Beep Saúde for at-home laboratory exam collection.

The business model is closed and member-funded: revenue is generated from recurring monthly subscription premiums set per plan tier and approved annually through beneficiary assemblies, layered onto institutional subsidies from Fiocruz and the MPOG. The go-to-market is direct-to-employer via Fiocruz HR enrollment, with no external commercial distribution. Expansion levers operate inside the closed institutional perimeter — family-plan acquisition of relatives of Fiocruz employees, regional offices tied to Fiocruz research centers, and an extended hospital network (Rede Ampliada) anchored on partnerships like Casa de Saúde São José — rather than via new institutional sponsors or commercial market entry.

Name

FioSaude

Legal name

Caixa de Assistência Oswaldo Cruz - FioSaude

Website

https://fiosaude.org.br

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

51–100 employees

Short description

FioSaude is a Brazilian self-managed health insurance plan (autogestão) sponsored by Fiocruz, providing ANS-regulated health coverage to Fiocruz employees, retirees, and their dependents through subscription tiers (Plano Fundamental, Total Saúde, Familiar), a mobile app with telemedicine and virtual wallet cards, and service offices across seven Brazilian states plus Brasília.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

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

akta.pro primary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

akta.pro secondary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Health insurance plans
• Self-managed health plans
• Supplementary health coverage
• Telemedicine consultations
• Wellness prevention programs

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Premium Contributions: Health plan members pay monthly premiums based on the selected plan type (Fundamental, Total Saúde, or Familiar). Payment is primarily collected through payroll deduction (consignado) for Fiocruz employees, with direct boleto payment available for those not covered by payroll deduction.
2. Fiocruz Subsidy (Subsídio): Fiocruz, as the sponsoring institution, provides partial funding for the health plan through a per capita subsidy that covers portions of employee premiums and dependent coverage.
3. MPOG Per Capita Contribution: Government contribution through the Ministry of Management and Innovation for partial cost coverage of the health plan for public servants.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

FioSaude is a self-managed (autogestão) health insurance plan that provides medical, dental, hospital, and wellness coverage to Fiocruz employees, their dependents, and retirees across Brazil. Its portfolio includes three health plans (Plano Fundamental, Plano Total Saúde, Plano Familiar), the Programa Viver Melhor wellness and disease-prevention program, telemedicine consultations, a mobile app with virtual wallet cards, and a network of accredited hospitals, clinics, and pharmacies.

Product overview

FioSaude (Caixa de Assistência Oswaldo Cruz) is a health insurance operator (operadora de plano de saúde) sponsored by Fiocruz (Fundação Oswaldo Cruz), providing health coverage to its employees and dependents through self-management (autogestão) models. The company offers a portfolio of health plans including Plano Total Saúde (comprehensive coverage) and Plano Fundamental (essential coverage), supplemented by wellness programs such as Programa Viver Melhor (fracture prevention, home care, oncology, urology). Digital services include virtual cards, telemedicine consultations, and a mobile application. The organization operates across multiple Brazilian states with research center partnerships and maintains a network of accredited hospitals, clinics, and pharmacies.

Differentiator

Problem solved

Functional benefit

Brands

• Plano Fundamental: Basic health insurance plan option offered by FioSaude
• Plano Total Saúde
• Programa Viver Melhor
• UroSaúde

Products and services

• Plano Total Saúde Comprehensive health insurance plan offering full coverage including medical consultations, exams, hospitalizations, and dental care for Fiocruz employees and dependents.
• Plano Fundamental Essential health insurance plan providing basic coverage for Fiocruz employees and their dependents with fundamental healthcare services.
• Plano Familiar Family health insurance plan providing coverage for dependents of Fiocruz employees including spouses, children, stepchildren, minors under guardianship, and student dependents up to age 24.
• Programa Viver Melhor Wellness and disease management program including fracture prevention (accredited with Gold Seal by the International Osteoporosis Foundation), home care services (Atenção Domiciliar), 24-hour guidance center (Central de Orientação), oncology patient care (Programa Pacientes Oncologia), and urology health prevention (UroSaúde).

Quantifiable outcome

• Fracture Prevention Program accredited with Gold Seal by International Osteoporosis Foundation (IOF) for best practices

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Casa de Saúde São JoséminorOthers · 10 March 2026Hospital partnership providing expanded healthcare services to FioSaude beneficiaries through the extended network (Rede Ampliada).
• Fiocruz (Fundação Oswaldo Cruz)coreStrategic or Co-development PartnerFiocruz is the sponsoring institution (patrocinadora) of FioSaude, providing institutional backing, partial funding through subsidies, and administrative support. The health plan serves Fiocruz employees and their dependents as part of the institution's employee benefits package.
• Beep SaúdeminorOthersHome laboratory exam services partnership allowing beneficiaries to schedule and receive diagnostic tests at home without collection fees.
• Drogarias (Pharmacy Chain)minorOthersPharmacy discount program providing beneficiaries with reduced prices on medications at participating drugstores.
• Unidas (União das Instituições de Autogestão em Saúde)minorGTM or Marketing PartnerIndustry association membership providing representation for self-managed health plans in Brazil, regulatory advocacy, and best practice sharing among member institutions.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GEAP Saúde: GEAP is a Brazilian autogestão health plan originally linked to Funcef/Eletrobras, serving federal public servants and dependents. It directly parallels FioSaude's structure — government-affiliated sponsor, beneficiary-owned governance, and similar product tiers — making it a natural peer for benchmarking coverage, pricing, and digital service models.
• Cassi (Caixa de Assistência dos Funcionários do Banco do Brasil): Cassi is the largest Brazilian autogestão health plan, serving Banco do Brasil employees and dependents. It is the most directly comparable operator to FioSaude: same self-managed model, same ANS regulation, same multi-tier plan structure, and similar reliance on a single corporate/institutional sponsor for funding and membership.
• Postal Saúde: Postal Saúde is the autogestão health plan for Correios (Brazilian postal service) employees and retirees. Like FioSaude, it is a single-sponsor self-managed operator under ANS regulation, with comparable plan tiers, dependent coverage rules, and reliance on a government-linked institution for sponsorship.

Broad incumbents

• SulAmérica Saúde: SulAmérica is a major Brazilian health insurance carrier serving corporate and individual segments with nationwide coverage. It competes with FioSaude indirectly through provider network deals and serves as an industry benchmark for pricing, claims management, and digital member services.
• Bradesco Saúde: Bradesco Saúde is the health insurance arm of Bradesco Seguros, serving corporate and individual clients with nationwide plans. As a broad incumbent, it competes for hospital and clinic network partnerships in the same cities where FioSaude operates and provides a commercial benchmark for product tiering.
• Hapvida NotreDame Intermédica: Hapvida is one of Brazil's largest vertically integrated health plan operators and providers, offering plans nationwide. It is a broad incumbent that competes with FioSaude for provider network partnerships and serves as a benchmark for vertically integrated care and digital adoption at scale.
• Unimed: Unimed is Brazil's largest cooperative health insurance system, with hundreds of regional operators providing health plans to individuals and corporate groups. While not an autogestão, it competes for the same supplementary health market and provider-network relationships that FioSaude relies on, making it a useful incumbent benchmark for coverage scope and digital services.
• Amil (UnitedHealth Group): Amil is a large Brazilian health insurer owned by UnitedHealth Group, serving corporate and individual segments with nationwide plans. As a broad incumbent, it is relevant for benchmarking how a scaled commercial operator invests in telemedicine, digital apps, and disease management programs similar to those FioSaude runs.

Market position

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/fiosaude
• YouTubeyoutube.com/channel/UC6Tt9rH0fMtMx-D5_c6MiBg
• Facebookfacebook.com/fiosaude
• LinkedInlinkedin.com/company/fiosaude

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 FioSaude