What Cedae Saúde does

Cedae Saúde (Caixa de Assistência dos Empregados da CEDAE) is a Brazilian non-profit civil society association founded in 1988 by Companhia Estadual de Águas e Esgotos (CEDAE) to provide health coverage and ancillary benefits to active employees, retirees, and dependents of CEDAE, PRECE (Fundação de Seguridade Social), and Cedae Saúde itself. It operates exclusively as a sponsorship-based benefit association, with membership acquired through employment or retirement with the sponsoring organizations and contributions collected via payroll or pension deduction, partially subsidized by the sponsors.

The offering combines a contracted health insurance product administered through Bradesco Saúde with two proprietary programs: the Cedae+Saúde owned primary care clinic network (seven locations across Rio de Janeiro state including Centro, São Gonçalo, Duque de Caxias, Nova Iguaçu, Itaguaí, Campo Grande, and Campos dos Goytacazes, plus the dedicated Clínica do Trabalho for occupational health) and the Farmacs pharmaceutical assistance program dispensing over 200 free medications through clinic-based family doctors. Members access the broader specialist and hospitalization network through Bradesco Saúde, while the digital layer consists of a member portal (portal.cedaesaude.org), digital ID card via the Bradesco Seguros app, a BOT and email automation system, and a call center and WhatsApp service channel.

The business model is subscription-recurring health plan contributions tiered by age bracket and salary band for both active employees and retirees, with coparticipation fees on consultations (30%), exams and therapies (20%), and a flat fee per hospitalization event (R$150). 2025 included a 19.95% annual readjustment and the August 2025 migration from the legacy Efetivo plan to the unified Ideal plan. Operational discipline is evidenced by a claims ratio reduction from 114% in early 2024 to 78.3% by end-2025, achieved through preventive care in the owned clinic network. The organization is regulated by ANS norms, governed by elected boards (Diretoria, Conselho Deliberativo, Conselho Fiscal), and certified for LGPD compliance.

Name

Cedae Saúde

Legal name

Caixa de Assistência dos Empregados da CEDAE

Website

https://cedaesaude.org.br

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Cedae Saúde is a non-profit Brazilian healthcare association founded in 1988 that provides health plans, owned primary care clinics, and a free medication program to active employees, retirees, and dependents of CEDAE, PRECE, and Cedae Saúde.

Ownership category

akta.pro rank

Product category

Health Insurance & Healthcare Services

NAICS

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

SIC

Services-Membership Organizations (8600), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Health insurance plans
• Primary care clinics
• Pharmaceutical assistance
• Occupational health services
• Employee health benefits

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Health Plan Membership Contributions: Cedae Saúde generates revenue through monthly health plan contributions paid by active employees (via payroll deduction), retirees (via payroll deduction or pension deductions), and sponsors (subsidy portion). Contributions are tiered by age bracket. The plan transitioned from the 'Efetivo' product to the unified 'Ideal' plan effective 31 July 2025. Coparticipation fees are charged for consultations (30%), exams and therapies (20%), and hospitalizations (R$150 per event). The annual readjustment was 19.95% for the 2025 contract anniversary.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Cedae Saúde is a nonprofit civil society association providing employer-sponsored health insurance plans, primary care clinic services (Cedae+Saúde), and a pharmaceutical assistance program (Farmacs) to employees, retirees, and dependents of CEDAE, PRECE, and Cedae Saúde. The organization integrates owned primary care clinics with the Bradesco Saúde provider network for specialist and hospital coverage, including occupational health, mental health, and preventive wellness programs.

Product overview

Cedae Saúde is a non-profit healthcare association providing health insurance and medical services to employees of CEDAE, PRECE, and related entities. The portfolio centers on the Bradesco Saúde insurance plan and two proprietary programs: Cedae+Saúde (primary care clinics offering consultations, preventive exams, and chronic disease management at no copayment) and Farmacs (pharmaceutical assistance providing over 200 free medications). Supporting programs include occupational health through Clínica do Trabalho, wellness platform Wellhub, anti-smoking and alcohol/drug prevention programs, and emotional balance support. The company operates clinics in seven locations across Rio de Janeiro state and recently expanded with new policlinics in Centro, Nova Iguaçu, and Itaguaí.

Differentiator

Problem solved

Functional benefit

Brands

• Cedae+Saúde: Primary care clinics offering family medicine consultations, preventive exams, laboratory tests, chronic disease management, and health counseling.
• Farmacs

Products and services

• Plano de Saúde Ideal (Ideal Health Plan) Health insurance plan administered in partnership with Bradesco Saúde, providing access to consultations, exams, hospitalizations, specialist care, and treatments through a credentialed provider network for active employees, retirees, and dependents of CEDAE, PRECE, and Cedae Saúde.
• Cedae+Saúde Primary Care Clinics

Quantifiable outcome

• Sinistralidade reduced from 114% (early 2024) to 78.3% (end of 2025) through preventive care investment
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Bradesco Saúde / Bradesco SeguroscoreChannel Partner/ Reseller/ DistributorCedae Saúde contracts with Bradesco Saúde to provide the underlying health insurance product and provider network for specialist care, hospitalizations, and advanced diagnostics. Members access the Bradesco network for non-primary-care services. The digital member card is accessed through the Bradesco Seguros mobile app, and plan management is available via the Bradesco Saúde portal.
• Hemorio (Instituto Estadual de Hematologia)minorStrategic or Co-development PartnerHemorio partnered with Cedae Saúde to conduct on-site blood donation drives at CEDAE facilities, including the headquarters and the Guandú unit, making blood donation more accessible to employees.
• WellhubminorChannel Partner/ Reseller/ DistributorWellhub is a corporate wellness platform (gym, studio, and wellness app access) offered exclusively to active workers of CEDAE, Cedae Saúde, and PRECE as an employee benefit. Cedae Saúde promotes and facilitates access to the Wellhub platform for its members.
• Drogaria PachecominorChannel Partner/ Reseller/ DistributorDrogaria Pacheco is a pharmacy chain available to Cedae Saúde members residing in the interior of Rio de Janeiro state through the 'Programa Fidelize no Interior,' providing access to medications in areas where the Farmacs pickup network is limited.
• Daniele Secchin Sociedade Individual de Advocacia (DPO as a Service)minorOthersDaniele Secchin Sociedade Individual de Advocacia, represented by Dra. Daniele Secchin, serves as the external Data Protection Officer (DPO) for Cedae Saúde, appointed to ensure LGPD compliance and handle data subject requests.

Scale indicators13 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• Amil: Amil is a major Brazilian health plan operator owned by UnitedHealth Group, with own-network clinics, hospital operations, and broad geographic reach. Overlaps with Cedae Saúde on health plan delivery and primary care infrastructure but as a large-scale commercial incumbent rather than a caixa.
• Hapvida NotreDame Intermédica: Hapvida NDI is the largest vertically integrated health plan and provider operator in Brazil, combining owned hospitals, clinics, and health plans. Compares to Cedae Saúde on the integrated-care playbook (own clinics + pharmacy-style control of the care continuum), but operates at vastly larger scale across multiple geographies.
• SulAmérica Saúde: SulAmérica is one of Brazil's largest independent health insurance carriers, offering group and individual plans across employer-sponsored and association channels. Compares to Cedae Saúde on the group health plan product side and on partnership/network economics, though it serves a diversified customer base rather than a single sponsor.
• Unimed (Sistema Unimed): Unimed is Brazil's largest healthcare cooperative network, offering health plans across the country via regional cooperatives. Comparable on the health plan and provider-network side but operates as a broad incumbent across all customer types rather than a single-sponsor caixa.

Direct peers

• Postal Saúde: Postal Saúde is the caixa de assistência for Correios (Brazilian postal service) employees, providing group health coverage to active and retired workers. Same caixa model — employer-sponsored civil society association — with comparable revenue model (payroll deduction contributions) and beneficiary structure.
• Real Grandeza: Real Grandeza is the closed pension and health benefits entity for Furnas/Eletrobras employees and retirees. Comparable sponsorship pattern (single state-controlled employer), age-banded contributions, and integration of health plan with occupational services for utility-sector workers — making it a structural peer to Cedae Saúde in the electricity/water utility space.
• Cassi (Caixa de Assistência dos Funcionários do Banco do Brasil): Cassi is Brazil's largest caixa de assistência, providing employer-sponsored health plans to Banco do Brasil employees and retirees via an owned provider network. Structurally identical to Cedae Saúde — civil society association, age-tiered contributions, mixed owned-clinic plus partner-network model, and elected governance — making it the closest peer for benchmarking.
• Geap Saúde: Geap is a caixa-style health plan serving public-sector employees (federal, state, and municipal), offering both own-network and partner-network coverage with coparticipation. Highly comparable to Cedae Saúde's employer/retiree sponsorship model and operational structure.
• Capesesp (Caixa de Previdência e Assistência dos Servidores da Caixa Econômica): Capesesp provides health and dental plans to Caixa Econômica Federal employees and former employees. Closely matches Cedae Saúde on caisse structure, employer sponsorship, age-tiered pricing, and multi-program wellness offering.

Others

• Bradesco Saúde: Bradesco Saúde is Cedae Saúde's strategic partner, providing the underlying insurer product, provider network, and digital ID infrastructure for non-primary-care services. While not a caixa, it is the operational backbone for Cedae Saúde's specialist and hospitalization coverage and a key ecosystem participant.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@CedaeSaude
• Facebookfacebook.com/cedaesaude
• Instagraminstagram.com/cedaesaude
• LinkedInlinkedin.com/company/caixa-de-assistencia-dos-servidores-da-cedae-cac

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Cedae Saúde