Association of Fiscal Servers of the State of Bahia

What Association of Fiscal Servers of the State of Bahia does

ASFEB (Associação dos Servidores Fiscais do Estado da Bahia) is a private nonprofit association headquartered in Salvador, Bahia, Brazil, serving fiscal servers — state and municipal tax administration employees — and their family dependents. Its primary product is Asfeb Saúde, an ANS-regulated (Agência Nacional de Saúde Suplementar) health insurance plan offered exclusively to association members, with age-tiered monthly pricing and free coverage for dependents aged 0-18. The association also operates Clínica Asfeb, a proprietary medical facility providing direct member care beyond standard plan coverage. Secondary offerings include Asfeb Social (community programming, sports championships, social events such as Forró da Asfeb) and the Clube de Benefícios, a discount network spanning national and Bahia-local partners in education (Estácio, up to 40% tuition discount), pharmaceuticals (Drogasil/DrogaRaia, 20-30%), hospitality (Transamerica hotels, 15%), and automotive services (Grupo MC dealerships, 5-20%).

Name

Association of Fiscal Servers of the State of Bahia

Legal name

Associação dos Servidores Fiscais do Estado da Bahia

Website

https://asfeb.org.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

ASFEB is a Brazilian nonprofit association serving fiscal servers of Bahia state and municipality, providing ANS-regulated health insurance (Asfeb Saúde), social programming, a national discount benefits club, and operating a proprietary medical clinic for its members and dependents.

Ownership category

akta.pro rank

Product category

Mutual Health Insurance and Member Association Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

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

akta.pro primary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

akta.pro secondary industries

Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ), Eligibility, Enrollment & Benefits Administration (HLAEALAH)

Keywords

• Health insurance plans
• Fiscal server association
• Social benefit programs
• Benefits club discounts
• Mutual health plan

Headquarters

HQ city

Salvador

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure

Revenue model

1. Health Plan Membership (Asfeb Saúde): The primary revenue stream is membership fees paid by fiscal servers (state and municipal) and their family dependents to access the Asfeb Saúde health insurance plan. Pricing is tiered by age bracket, with free coverage for dependents aged 0-18 and tiered monthly premiums for adult members.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

ASFEB provides a regulated health insurance plan (Asfeb Saúde) to fiscal servers of the State and Municipality of Bahia and their dependents, structured by age-based monthly premiums with free coverage for dependents aged 0-18. The association complements the health plan with social and recreational programs (Asfeb Social), an in-house clinic (Clínica Asfeb), and a Clube de Benefícios offering discounts across education, automotive, hospitality, healthcare, and leisure partners.

Product overview

ASFEB (Associação dos Servidores Fiscais do Estado da Bahia) operates as an association providing health insurance and social benefits to fiscal servers of the State of Bahia. The core offering is Asfeb Saúde, a health plan with direct access to the association-operated Clínica Asfeb and a network of providers. The portfolio includes social benefit programs (Asfeb Social), a benefits club (Clube de Benefícios) with partner discounts, and administrative portals including Portal TISS for healthcare compliance, the Guia ANS regulatory guide, and a plan simulator for premium calculation. The Asfeb Social division also encompasses sports activities, events, and member publications.

Differentiator

Problem solved

Functional benefit

Brands

• ASFEB Saúde: Health insurance plan offered exclusively to ASFEB members, state and municipal fiscal workers, and their families

Products and services

• Asfeb Saúde ANS-regulated health insurance plan offered exclusively to ASFEB members, state and municipal fiscal workers, and their families. Provides medical coverage through a network of healthcare providers with age-tiered monthly premiums and free coverage for dependents aged 0-18.
• Asfeb Social Social and recreational programs for association members, including sports activities, social events (e.g., Forró da Asfeb, Ressaca do Forró), photo gallery, and member publications.
• Clínica Asfeb Medical clinic operated directly by ASFEB, offering healthcare services to health-plan members beyond standard network consultations.
• Clube de Benefícios Member benefits club offering discounted rates with partner businesses including educational institutions (Estácio, up to 40% off), automotive services (Grupo MC FIAT/RENAULT), hospitality (Transamerica 15% off), pharmacies (Drogasil/DrogaRaia 20-30% off), and other services for ASFEB members.

Quantifiable outcome

• 94.4% of surveyed beneficiaries rated Asfeb Saúde as 'Muito bom/Bom' in the 2026 satisfaction survey (412 respondents)
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core, moderate and minor.

• ANS (Agência Nacional de Saúde Suplementar)coreOthersASFEB holds ANS registration and compliance as a health plan operator. The ANS seal is displayed on the website footer, indicating the Asfeb Saúde plan is regulated and supervised by Brazil's National Health Agency.
• Febrafite (Federação Brasileira de Associações de Fiscais de Tributos Estaduais)coreOthersASFEB is affiliated with Febrafite, the Brazilian Federation of State Tax Fiscal Associations. The Febrafite logo appears on the ASFEB website footer. The affiliation extends member reciprocity with sister associations in other Brazilian states.
• UNIDAS (União Nacional das Instituições de Autogestão em Saúde)moderateOthersASFEB displays the UNIDAS seal, indicating membership in this national union of self-managed health institutions in Brazil, which represents health plans operated by associations and public entities.
• SICOOB (Sistema Cooperativo do Crédito Integrado)moderateOthersSICOOB cooperative banking brand is featured on the ASFEB website footer, suggesting a financial services partnership or sponsorship arrangement with the cooperative.
• SEFAZ BA (Secretaria da Fazenda do Estado da Bahia)coreOthersASFEB is the association of SEFAZ BA employees. The state treasury logo appears on the website footer, indicating an institutional connection between the employer body and the association.
• Unafisco NacionalmoderateGTM or Marketing PartnerASFEB has a formal convênio (partnership agreement) with Unafisco Nacional to provide discounts and exclusive benefits to ASFEB members across various products and services including vehicle acquisition, supermarkets, department stores, courses, gyms, telecommunications, and hotels.
• Grupo MC (FIAT and RENAULT dealerships)minorChannel Partner/ Reseller/ DistributorGrupo MC represents FIAT (Jacuípe) and RENAULT (Jubiabá, Brune) in Bahia, offering ASFEB members 20% discounts on body work and painting, 15% on mechanical services and parts, and 5% on new vehicle purchases.
• Transamerica Hospitality GroupminorGTM or Marketing PartnerASFEB members receive 15% discount on hotel stays at all Transamerica hotels in Brazil using the Promocode ASFEB2019, providing national hotel accommodation benefits.
• Estácio (Centro Universitário Estácio)minorGTM or Marketing PartnerASFEB members receive up to 40% discount on tuition at any Estácio/FIB campus in Brazil, providing broad national education access.
• Drogarias Drogasil / DrogaRaiaminorGTM or Marketing PartnerASFEB members and Asfeb Saúde beneficiaries receive minimum 20% discounts on branded (reference) medications and 30% on generic medications at Drogasil and DrogaRaia pharmacies nationwide, upon presentation of their ASFEB card.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SulAmérica Saúde: SulAmérica is a major Brazilian health insurer with national reach, including corporate and individual plans in Bahia. It represents the broader commercial alternative that ASFEB's differentiated association model competes against.
• Hapvida NotreDame Intermédica: Hapvida is Brazil's largest vertically integrated health plan operator with a strong presence in Bahia, competing for the same state public-sector employees ASFEB serves but at national scale with owned hospital and provider networks.
• Bradesco Saúde: Bradesco Saúde is one of Brazil's leading commercial health insurers, active in the Bahia market across employer-sponsored plans. It is a broad incumbent that competes for the same employer-sponsored health benefits wallet.
• Amil (UnitedHealth Group Brazil): Amil is one of Brazil's largest commercial health insurers and competes with Asfeb Saúde for Bahia-based public-sector accounts. It offers broader provider networks but lacks ASFEB's community/association engagement model.

Direct peers

• Cassi (Caixa de Assistência dos Funcionários do Banco do Brasil): Cassi is Brazil's largest autogestão health plan, serving current and former Banco do Brasil employees and dependents under the same self-managed, ANS-regulated model ASFEB uses for fiscal servers. It is the most structurally comparable peer in the country.
• CAPESESP: CAPESESP is a self-managed health and pension plan serving employees of multiple Brazilian public and private entities, operating under the same ANS-supervised autogestão structure as ASFEB.
• Geap Saúde: Geap operates a self-managed health plan focused on federal public servants, mirroring ASFEB's autogestão structure for a closed public-sector employee group. Both rely on ANS regulation, age-banded premiums, and affiliated provider networks.
• Postal Saúde: Postal Saúde administers health benefits for Correios (Brazilian postal service) employees and retirees under the same self-managed model ASFEB uses for SEFAZ BA. It is a direct functional peer in the autogestão universe.
• Petrobras AMS (Assistência Multidisciplinar de Saúde): Petrobras AMS is a self-managed health plan serving Petrobras employees, retirees, and dependents. Like ASFEB, it operates within the autogestão regulatory framework and is a UNIDAS-affiliated institution.

Others

• UNIDAS (União Nacional das Instituições de Autogestão em Saúde): UNIDAS is the national trade association representing self-managed health institutions like ASFEB. It is not a peer in product terms but a key ecosystem enabler, providing advocacy, benchmarking, and best-practice frameworks for ASFEB and similar autogestão operators.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/asfebba

Compliance1 record

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 Association of Fiscal Servers of the State of Bahia