unafisco saúde

What unafisco saúde does

Unafisco Saúde is a Brazilian health-plan operator (operadora de planos de saúde) structured as a nonprofit autogestão (self-management) entity, sponsored by Sindifisco Nacional and headquartered in Brasília. It underwrites medical-hospital coverage exclusively for active and retired Auditores-Fiscais da Receita Federal do Brasil (Federal Tax Auditors) and their dependents, with eligibility tied to union/career membership and contributions typically deducted from payroll. The operator offers five plan tiers (Soft Part., Soft II, Unique, Platinum, Premium II) designed around the federal-employee income and age profile, and maintains a credentialed provider network of more than 9,000 points nationally.

The product surface combines traditional fee-for-service hospital coverage with auxiliary lines including 24/7 concierge service, teleconsultation, and a portfolio of wellness programs (Longevidade, Entrelaços, and the tea*mo genetics-informed initiative with Tismoo). Service distribution increasingly runs through digital channels: the Portal do Beneficiário, beneficiary mobile applications, and LIA, a WhatsApp-based virtual assistant for account servicing, second-copy bank slips, and appointment queries. Provider contracts with Mediservice and Gama Saúde were renegotiated in 2025 to reset pricing and governance terms.

The business model is a regulated, closed mutual: revenue is collected via member contributions, governed by ANS rules, and constrained to the Federal Tax Auditor cohort. H1 2025 revenues reached R$287.4M versus R$253.8M in H1 2024, and the operator reported a return to operational surplus in Q3 2025 and Q1 2026 following prior financial stress. In 2026 a member assembly approved statutory amendments with 75.45% support to align with ANS Normative Resolution RN 649, reshaping governance and financial provisions while maintaining the closed-membership mandate and LGPD-compliant data handling.

Name

unafisco saúde

Legal name

Sind. Nac. Auditores Fiscais da RF Brasil - CNPJ: 03.657.699/0001-55

Website

https://unafiscosaude.org.br

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Unafisco Saúde is a Brazilian nonprofit autogestão health-plan operator that exclusively insures Federal Tax Auditors (Auditores-Fiscais da Receita Federal do Brasil) and their dependents, in partnership with Sindifisco Nacional. It runs five tiered plans, a 9,000+ provider network, and digital self-service channels.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ)

akta.pro secondary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Self-managed health plans
• Autogestão health insurance
• Federal employee healthcare
• Supplementary health coverage
• Medical provider networks

Headquarters

HQ city

Brasília

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Premiums (Mensalidades): Subscription-based monthly premiums charged to beneficiaries. Premiums vary by plan tier (Soft Part., Soft II, Unique, Platinum, Premium II). Payment primarily through payroll deduction (consignação) for federal employees, with bank slip option for those without sufficient margin.
2. Coparticipação (Cost-sharing): Cost-sharing mechanism where beneficiaries pay a portion of certain medical procedures and treatments, in addition to their monthly premium.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Unafisco Saúde is an autogestão (self-management) health insurance operator that exclusively provides medical, hospital, dental, and wellness coverage to Auditores-Fiscais da Receita Federal do Brasil and their dependents, organized under five plan tiers (Soft Part., Soft II, Unique, Platinum, Premium II). Services are delivered through a national credentialed network of more than 9,000 providers and supplemented by a 24/7 concierge, a WhatsApp virtual assistant (LIA), telehealth (Teleconsulta), three wellness programs, and self-service digital portals. The plan is operated in partnership with Sindifisco Nacional and regulated by ANS.

Product overview

Unafisco Saúde is a health insurance operator (operadora de planos de saúde) that exclusively serves Fiscal Auditors of Brazil's Federal Revenue Service (Auditores-Fiscais da Receita Federal do Brasil). The company offers a multi-plan portfolio spanning five named health plan tiers — Soft Part., Soft II, Unique, Platinum, and Premium II — each targeting different coverage needs and budget levels. The portfolio is supported by a suite of digital and service-based offerings: a 24/7 Concierge service (0800 028 2777), the LIA WhatsApp virtual assistant for self-service transactions, a Teleconsulta telehealth service, three wellness programs (Longevidade, Entrelaços, and tea*mo), a beneficiary self-service portal, and a provider credentialing portal. The operator maintains a direct and indirect provider network of over 9,000 credentialed healthcare providers across Brazil. Unafisco Saúde is regulated by ANS (Agência Nacional de Saúde Suplementar) and is linked to Sindifisco Nacional.

Differentiator

Problem solved

Functional benefit

Brands

• Soft Part. Participatory soft health plan
• Soft II
• Unique
• Platinum
• Premium II

Products and services

• Soft Part. Participatory health insurance plan option with cost-sharing (coparticipação), offered exclusively to Auditores-Fiscais da Receita Federal do Brasil and their dependents.
• Soft II Second soft health plan option offered to eligible beneficiaries of the Unafisco Saúde operator.
• Unique Mid-tier health insurance plan offered by Unafisco Saúde to federal tax auditors and dependents.
• Platinum Premium-tier health insurance plan with exclusive direct-access dental network coverage.
• Premium II Premium health insurance plan option with dedicated concierge access and self-service portals.
• Unafisco Saúde Concierge 24/7 customer relationship and concierge service accessible via 0800 028 2777, providing appointment scheduling, authorizations, plan information, and beneficiary support.
• LIA - Assistente Virtual WhatsApp-based virtual assistant providing services including IR statements, utilization reports, reimbursement statements, bank slip requests, appointment scheduling, and COVID-19 information.
• Teleconsulta Unafisco Saúde Telehealth consultation service allowing beneficiaries to schedule and conduct medical consultations remotely.
• Programa Longevidade Health and wellness program promoting the integral health and well-being of beneficiaries.
• Programa Entrelaços Health and wellness program offered to Unafisco Saúde beneficiaries.
• Programa tea*mo Specialized health program offered in partnership with Tismoo for beneficiaries with specific needs.
• Portal do Beneficiário Secure online portal for beneficiaries to access virtual cards, reimbursement requests, financial statements, IR declarations, authorization requests, and network search.
• Rede Credenciada Nationwide credentialed provider network of more than 9,000 healthcare facilities and professionals, including hospitals, clinics, laboratories, doctors, and dentists across multiple network partners.

Quantifiable outcome

• 88% beneficiary satisfaction rate
• +1 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

Feature3 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Unimed NacionalcoreOthersPrimary healthcare network partner providing extensive medical coverage across Brazil through the Unimed cooperative network system.
• AmilcoreOthersMajor healthcare network partner offering medical services through Amil's extensive hospital and clinic network across Brazil.
• Gama SaúdecoreOthersHealthcare network partner providing coverage with Gama Saúde provider network. Virtual cards (Carteirinha Virtual Gama Saúde) available for beneficiaries.
• MediservicecoreOthersHealthcare network partner offering services through Mediservice provider network. Virtual card option (Carteira Virtual Mediservice) available.
• UniodontocoreOthersDental services network partner providing dental coverage through the Uniodonto cooperative dental network.
• OdontoGroupcoreOthersDental services network partner offering dental coverage through OdontoGroup dental provider network.
• Unimed IntercambiominorOthersUnimed network partner for interchange services enabling coverage across different Unimed regional operators.
• Unimed RiominorOthersRegional Unimed partner for Rio de Janeiro coverage area.
• Unimed CentralminorOthersRegional Unimed partner for Central Brazil coverage area.
• Unimed FederacaominorOthersUnimed federation partner for expanded regional coverage.
• Unimed FortalezaminorOthersRegional Unimed partner for Fortaleza coverage area in Northeast Brazil.
• Unimed GioâniaminorOthersRegional Unimed partner for Goiânia coverage area.
• Unimed RecifeminorOthersRegional Unimed partner for Recife coverage area in Northeast Brazil.
• Sindifisco NacionalcoreStrategic or Co-development PartnerParent union organization representing Auditores-Fiscais da Receita Federal do Brasil. Unafisco Saúde is the exclusive health plan operated in partnership with Sindifisco Nacional, with the union managing member enrollment and representing the beneficiary collective.
• Ministério da FazendacoreOthersFederal Ministry of Finance partnership enabling automatic verification of health expenses for Auditors-Fiscais. The ministry handles payroll deduction (auxílio saúde) for beneficiaries and transfers health subsidy funds to the plan through Sindifisco Nacional.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• SulAmérica Saúde: SulAmérica operates a large commercial health insurance business in Brazil across corporate and individual segments. Relevant comparable on multi-tier plan structure, dental offering, and wellness program focus, though with open membership rather than the autogestão model.
• Amil: Amil is a major Brazilian commercial health insurer and network partner to Unafisco Saúde. Comparable in product breadth (medical + dental) and provider network integration, but serves a broader commercial market across individual, family, and corporate segments.
• Hapvida NotreDame Intermédica: Hapvida NotreDame Intermédica is one of Brazil's largest vertically integrated health insurers with extensive owned provider networks. Relevant as a broad incumbent demonstrating integrated care delivery and cost management — though targeting commercial populations rather than captive public-sector membership.
• Bradesco Saúde: Bradesco Saúde is one of Brazil's largest commercial health insurers, offering corporate and individual plans. Comparable on product structure and network-based care delivery, though targeting commercial rather than closed-membership public sector populations.
• Unimed Brasil: Unimed is Brazil's largest medical cooperative system and a key network partner to Unafisco Saúde. Operates broadly across commercial, corporate, and individual health plans nationally; not closed-membership but a major incumbent shaping provider economics and pricing benchmarks.

Direct peers

• Geap Saúde: Geap is a self-managed health plan serving public servants across multiple federal entities. Closely mirrors Unafisco's autogestão model, captive public-sector membership, and ANS-regulated operations, though with a broader eligible base.
• Cassi: Cassi is the largest autogestão health plan in Brazil, serving Banco do Brasil employees. Operates the same self-managed nonprofit model exclusively for a closed employee group, regulated by ANS, with similar product portfolio and provider network structure. Most directly comparable peer to Unafisco Saúde.
• Postal Saúde: Postal Saúde is the autogestão operator for Correios (Brazilian postal service) employees and dependents. Operates under the same self-managed, closed-membership, ANS-regulated framework as Unafisco Saúde with comparable product tiers.
• Petrobras AMS: Petrobras's Assistência Multidisciplinar de Saúde (AMS) is the autogestão plan for Petrobras employees and dependents. Comparable in structure, captive membership, and ANS regulation, though backed by a larger and financially stronger sponsoring entity.

Others

• Sindifisco Nacional: Sindifisco Nacional is the parent union organization that governs Unafisco Saúde, representing Auditores-Fiscais da Receita Federal. Included as the strategic partner that controls membership, governance, and collective bargaining — not a direct peer but the indispensable counterparty to Unafisco's operating model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCfsGomrPPgDJlkO4s7ljrCw
• Facebookfacebook.com/unafiscosaude
• LinkedInlinkedin.com/company/unafisco-saude
• Instagraminstagram.com/unafiscosaude

Compliance2 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 unafisco saúde