Cafaz Saúde

What Cafaz Saúde does

Cafaz Saúde (legal name: Caixa de Assistência dos Servidores Fazendários Estaduais) is a Brazilian self-managed health plan operator (autogestão), regulated by the Agência Nacional de Saúde Suplementar (ANS) under registration 35.912-2, and recognized as a state public utility under Lei Estadual nº 12.090/1993. Founded on October 2, 1991 in Fortaleza, Ceará, the plan serves state fiscal employees (servidores fazendários estaduais) and their dependents in Ceará, with emergency and continued coverage extended to 14 Brazilian states through the Convênio de Reciprocidade with FEBRAFITE sister entities. The core product is CAFAZ MASTER PLUS (ANS registration 467.245/12-3), a collective adhesion plan offering ambulatory and hospital coverage with obstetrics, post-estabelecido pricing, 20% standard coparticipation (10% for the Emílio Ribas reference network), and a 0% hospitalization deductible.

The operating technology stack centers on the Salutis (HRP) authorization and claims processing system (migrated from Benner Conecta in June 2025), the Portal Conecta Saúde provider portal, and a multi-channel member interface (iOS/Android app, WhatsApp, Telegram, call center, Ouvidoria). Around the insurance core, Cafaz layers a series of health management programs including the decade-old Programa Saúde Integral (PSI) for mental health, OSTEO Saúde (a 2026 musculoskeletal care partnership with STRALOO), TEAcolher+ for pediatric neurodivergent care, the home-care PAD program, and chronic-disease programs such as Mais Leve Mais Saudável, alongside cancer prevention campaigns, dental partnership with Uniodonto Fortaleza, and a Clube de Vantagens discount network. Governance is democratic and associative: the Diretoria and Conselho are elected directly by associate members, with current leadership comprising Kleber Junio Silveira (President), Maria Ivany Gomes Araújo (Financial Director), and Yolita de Araújo e Sá (Executive Director).

Revenue mechanics flow from monthly subscription contributions by titulares and dependents under the collective adhesion model, supplemented by selective coparticipation income. Distribution relies on SEFAZ (Secretaria da Fazenda do Ceará) as the primary institutional channel and a credited/referenced provider network across the state. With 11-50 employees, a closed membership base, and no external investors or funding rounds, Cafaz functions as a niche, regulated, member-owned health plan with no disclosed public revenue.

Name

Cafaz Saúde

Legal name

CAIXA DE ASSISTÊNCIA DOS SERVIDORES FAZENDÁRIOS ESTADUAIS

Website

https://cafaz.org.br

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Cafaz Saúde is a Brazilian self-managed health plan (autogestão), ANS-regulated (registration 35.912-2), serving state fiscal employees of Ceará and their dependents via the collective adhesion plan CAFAZ MASTER PLUS, with reciprocity coverage in 14 Brazilian states.

Ownership category

akta.pro rank

Product category

Self-Managed Health Insurance (Autogestão)

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

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

akta.pro industry

PRIMARYHLAEAEAI

Integrated Physical-Behavioral-Social Care (Whole-Person) Medicaid Plans

Healthcare & Life Sciences/Health Insurance & Managed Care/Medicaid Managed Care (MMC) Plans

Keywords

• Self-managed health plans
• Collective adhesion health insurance
• Health plan autogestão
• Supplementary health coverage
• Dental assistance plans

Headquarters

HQ city

Fortaleza

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly contributions from plan members (collective by adhesion) including titular beneficiaries and dependents. Pricing based on contribution tables (tabelas de cotas) with coparticipation and deductible components.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Cafaz Saúde operates a self-managed (autogestão) collective adhesion health insurance plan (CAFAZ MASTER PLUS) providing ambulatory, hospital with obstetrics, dental, and supplementary benefits to state fiscal employees in Ceará and their dependents. The plan is supplemented by health management programs (mental health, chronic disease, bone/joint care, autism support), funeral assistance, remissive insurance, and a national reciprocity network across 14 Brazilian states.

Product overview

CAFAZ Saúde is a self-managed health plan operator (autogestão) regulated by ANS, offering a unified core product (CAFAZ MASTER PLUS) with multiple supplementary modules and programs. The core plan is supplemented by health management programs including mental health support (PSI), bone/joint care (OSTEO Saúde), home care (PAD), chronic disease management (Mais Leve Mais Saudável), cancer prevention campaigns, and dental assistance. Additional services include funeral assistance, reliance insurance, and a national reciprocity agreement across 14 states. Beneficiaries also have access to a discount partner network (Clube de Vantagens) and a mobile application.

Differentiator

Problem solved

Functional benefit

Brands

• CAFAZ MASTER PLUS: Primary health plan product of CAFAZ, registered with ANS under number 467.245/12-3, offering ambulatory and hospital care with obstetrics, statewide geographic coverage in the collective adhesion modality.

Products and services

• CAFAZ MASTER PLUS Primary collective-adhesion health insurance plan in the self-management modality regulated by ANS, offering ambulatory, hospital with obstetrics, statewide geographic coverage in Ceará, and ancillary benefits for state fiscal employees and their dependents.
• Assistência Odontológica Uniodonto Dental assistance partnership with Uniodonto Fortaleza providing discounts and special conditions on dental plans for Cafaz beneficiaries.
• Assistência Funeral
• Seguro Remissivo
• Convênio de Reciprocidade
• Clube de Vantagens
• CAFAZ Mobile App
• OSTEO Saúde Exclusive bone and joint health program in partnership with STRALOO, combining orthopedic clinical rigor with digital app technology for home-based treatment of knee and spine conditions among Cafaz beneficiaries.
• Rede Referenciada Emílio Ribas

Quantifiable outcome

• 86.1% positive plan evaluation and 79% recommendation rate among beneficiaries (2025/2026)
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature3 records

Partnerships

16 partnerships are on record, tiered core.

• ASFAL - Associação do Fisco de AlagoascoreStrategic or Co-development PartnerPartner in the Convênio de Reciprocidade providing healthcare coverage to Cafaz members traveling in Alagoas through hospitals including Hospital Memorial Arthur Ramos, Hospital Santa Casa 24 Horas, and Hospital do Coração.
• AFFEAM - Associação dos Funcionários Fiscais do Estado do AmazonascoreStrategic or Co-development PartnerPartner in the Convênio de Reciprocidade network providing healthcare services to Cafaz beneficiaries in Amazonas through hospitals including Hospital Samel, Hospital Santa Julia, and Hospital Beneficente Portuguesa.
• ASFEB - Associação dos Servidores Fiscais do Estado da BahiacoreStrategic or Co-development PartnerPartner in the Convênio de Reciprocidade providing coverage in Bahia through hospitals such as Hospital Português, Hospital Santa Izabel, Hospital São Rafael, and specialty providers.
• AFFEGO - Associação dos Funcionários do Fisco do Estado de GoiáscoreStrategic or Co-development PartnerPartner in the reciprocity agreement providing healthcare services in Goiás through Hospital e Maternidade Jardim América, Hospital do Coração de Goiás, and specialty providers.
• FUNDAFFEMG - Fundação AFFEMG de Assistência e SaúdecoreStrategic or Co-development PartnerPartner in the Convênio de Reciprocidade in Minas Gerais providing coverage through hospitals including Hospital Felício Rocho, Hospital Mater Dei, and Hospital Madre Teresa.
• ASFEPA - Associação dos Servidores do Fisco Estadual do ParácoreStrategic or Co-development PartnerPartner in the reciprocity agreement in Pará through hospitals including Hospital Adventista de Belém, Hospital Porto Dias, and Hospital HSM.
• AFRAFEP - Associação dos Fiscais de Rendas e Agentes Fiscais do Estado da ParaíbacoreStrategic or Co-development PartnerPartner providing healthcare coverage in Paraíba through Hospital Napoleão Laureano, Hospital São Luiz, Hospital Samaritano, and Hospital Memorial São Francisco.
• FISCO SAÚDE - PernambucocoreStrategic or Co-development PartnerPartner in the Convênio de Reciprocidade in Pernambuco through hospitals including Hospital de Ávila, Hospital Santa Joana, Hospital São Marcos, and Hospital Memorial São José.
• AMAFRERJ - Rio de JaneirocoreStrategic or Co-development PartnerPartner in the reciprocity network in Rio de Janeiro through Hospital Barra D'Or, Hospital São Lucas, Hospital Pasteur, and Hospital São Vicente de Paulo.
• AFISVEC - Associação dos Fiscais de Tributos Estaduais do Rio Grande do SulcoreStrategic or Co-development PartnerPartner in Rio Grande do Sul through Hospital Mãe de Deus, Hospital São Lucas da PUCRS, and Irmandade Santa Casa de Misericórdia de Porto Alegre.
• AMAFRESP - São PaulocoreStrategic or Co-development PartnerPartner in São Paulo through Beneficência Portuguesa de São Paulo, Hospital Professor Edmundo Vasconcelos, Hospital Santa Virgínia, and specialty hospitals including INCOR.
• CASSIND - Caixa de Assistência do Sindifisco - SergipecoreStrategic or Co-development PartnerPartner in the Convênio de Reciprocidade in Sergipe through Clínica Renascença, São Lucas Médico Hospitalar, and Hospital São Marcos.
• Uniodonto FortalezacoreStrategic or Co-development PartnerDental partnership offering discounts and special conditions for Cafaz beneficiaries on Uniodonto dental plans. Active beneficiaries of Cafaz can join Uniodonto plans with special rates.
• UNIDAS - União Nacional das Autogestões em SaúdecoreOthersCafaz is a member of UNIDAS, the National Union of Self-Management in Health, which represents and supports health operators in the self-management modality in Brazil.
• FEBRAFITE - Federação Brasileira de Associações de Fiscais de Tributos EstaduaiscoreOthersCafaz is affiliated to FEBRAFITE, the Brazilian Federation of State Tax Inspector Associations, representing fiscal employees in various states.
• ANS - Agência Nacional de Saúde SuplementarcoreOthersCafaz is regulated by ANS (Brazilian National Health Supplement Agency) with registration number 35.912-2, ensuring compliance with Brazilian health insurance regulations.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Amil: Large Brazilian commercial health insurer offering individual and corporate plans nationally. Represents a broader commercial alternative to autogestão plans for fiscal employees seeking expanded network choice.
• Unimed: Largest Brazilian health insurance cooperative system. While commercial rather than autogestão, it competes for the same individual/family health plan market and operates at massive national scale with broad provider networks.
• Bradesco Saúde: Major Brazilian commercial health insurer with broad nationwide provider networks. Competes with Cafaz by offering commercial plans that fiscal employees could elect for national coverage or supplementary benefits.

Direct peers

• AFRAFEP (Associação dos Fiscais de Rendas e Agentes Fiscais do Estado da Paraíba): Paraíba state fiscal employee health plan and a direct reciprocity partner of Cafaz. Mirror-image autogestão plan for fiscal employees with hospital and ambulatory coverage under ANS regulation.
• Postal Saúde: Largest Brazilian self-managed health plan, serving postal workers. Closest large-scale analog to Cafaz's autogestão model with similar ANS regulation, member-owned structure, and national provider network.
• Geap Saúde: Self-managed health plan serving federal public servants in Brazil. Comparable autogestão operator under ANS regulation with broader geographic scope and a similar public-sector vertical.
• ASFAL (Associação do Fisco de Alagoas): Alagoas state fiscal employee health plan and a direct reciprocity partner of Cafaz. Operates with similar ANS-regulated self-managed model serving the same fiscal-employee base in another Northeast state.
• ASFEB (Associação dos Servidores Fiscais do Estado da Bahia): Bahia state fiscal employee health plan and a direct reciprocity partner of Cafaz. Operates in the autogestão modality serving a near-identical narrow vertical with state-wide coverage and hospital network in Bahia.
• Capesaúde: Self-managed health plan for state public employees in Rio de Janeiro. Mirrors Cafaz's public-sector vertical with ANS-regulated autogestão structure and a statewide provider network, only at larger scale.
• FUNDAFFEMG (Fundação AFFEMG de Assistência e Saúde): Self-managed health plan for Minas Gerais state fiscal employees and a direct Convênio de Reciprocidade partner of Cafaz. Operates in the same ANS-regulated autogestão modality serving the same fiscal-employee vertical with comparable hospital/ambulatory coverage.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCsdkmwETQqFx1H3zN5u8vUw
• Facebookfacebook.com/cafazsaude
• LinkedInlinkedin.com/company/cafazcorretora
• Instagraminstagram.com/cafazsaude

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Cafaz Saúde