CAMPERJ

What CAMPERJ does

CAMPERJ (Caixa de Assistência do Ministério Público do Estado do Rio de Janeiro) is a non-profit, self-managed health assistance fund (autogestão) founded on September 21, 1981, operating exclusively for active and inactive members of the Ministério Público do Estado do Rio de Janeiro and their dependents. As an ANS-regulated collective adhesion plan, CAMPERJ delivers comprehensive ambulatory and hospital coverage (including obstetrics) across the state of Rio de Janeiro through a network of approximately 1,000 accredited establishments, anchored by its 2024 transition to UNIMED Federação Rio (UNIMED FERJ) for statewide coverage. The technology stack comprises a digital platform ecosystem including the Portal do Beneficiário (camperj.topsaude.com.br), Portal do Credenciado, mobile applications on iOS and Android, a Telegram channel launched in 2021, and a 24/7 telemedicine integration via Conexa Saúde since July 2022 covering general practice, pediatrics, psychiatry, psychology, and nutrition.

The business model is subscription-based with revenue generated through age-banded monthly contributions deducted directly from members' salaries or pensions via Banco Itaú and COOMPERJ, ranging from R$1,224.93 for ages 0–25 to R$4,157.03 for ages 76+, with an additional R$714.68 monthly contribution for titular associates and a R$100 association fee at onboarding. Services are delivered through a hybrid reimbursement and direct-billing model — members may use the accredited network for direct billing or seek out-of-network care and submit reimbursement claims processed within 10 business days under CBHPM 2016 or CAMPERJ's own fee schedule. CAMPERJ differentiates through a portfolio of specialized care programs (Programa Longevidade, Cuidado Integrado for 60+ beneficiaries, Cuidados Domiciliares, Cuidados na Internação, Mente Sã), supported by CTICOR emergency transport, OMT telephone medical guidance, and the LGPD-compliant LGPD Compliance Center. All resources are reinvested into service improvements, with no external ownership or profit distribution.

Name

CAMPERJ

Legal name

Caixa de Assistência do Ministério Público do Estado do Rio de Janeiro

Website

https://camperj.com.br

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

51–100 employees

Short description

CAMPERJ is a non-profit, ANS-regulated self-managed health plan providing ambulatory and hospital coverage exclusively to members of the Ministério Público do Estado do Rio de Janeiro and their dependents across Rio de Janeiro state, delivered through ~1,000 accredited providers, a digital platform with 24/7 telemedicine, and specialized care programs.

Ownership category

akta.pro rank

Product category

Self-Managed Health Plan (Autogestão)

NAICS

HMO Medical Centers (621491), Home Health Care Services (62161), Outpatient Mental Health and Substance Abuse Centers (621420)

SIC

Services-Health Services (8000)

akta.pro primary industry

Network-Model HMOs (HLAEAMAC)

akta.pro secondary industry

Community Mental Health Centers (CMHCs) & Public Behavioral Health Providers (HLAFACAI)

Keywords

• Health assistance plan
• Collective health plan
• Medical reimbursement services
• Healthcare provider network
• Health promotion programs

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Membership Contributions: CAMPERJ generates revenue through monthly contributions paid by titular members (active and inactive MP-RJ members), dependents, and aggregates. Contributions vary by age band, ranging from R$ 1,224.93 (ages 0–25) to R$ 4,157.03 (ages 76+), plus an additional R$ 714.68 monthly contribution for titular associates and a R$ 100.00 association fee on first membership payment. Payments are deducted from the member's salary/pension via Banco Itaú or COOMPERJ.
2. Reimbursement-Based Service Delivery: CAMPERJ operates on a reimbursement model where beneficiaries can use either the accredited network (rede credenciada, ~1,000 establishments) with direct billing by providers, or seek out-of-network care and submit reimbursement claims. The plan covers both ambulatory and hospital care including obstetrics across the state of Rio de Janeiro.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

CAMPERJ operates a non-profit self-managed collective health plan (autogestão) exclusively for members, dependents, and aggregates of the Ministério Público do Estado do Rio de Janeiro. Members receive comprehensive ambulatory and hospital coverage including obstetrics, access to a network of ~1,000 accredited providers across Rio de Janeiro state, reimbursement for out-of-network care (CBHPM 2016 or CAMPERJ fee schedule), 24/7 telemedicine via Conexa Saúde, and specialized prevention programs (Programa Longevidade, Cuidado Integrado 60+, Cuidados Domiciliares, Cuidados na Internação, Mente Sã). Services are delivered via online portals, a mobile app, CTICOR ambulance dispatch, and physical service points, with monthly contributions deducted from member salary or pension.

Product overview

CAMPERJ is a nonprofit healthcare assistance association for members of the Ministério Público of Rio de Janeiro, offering a comprehensive health management platform under the collective health plan model. The core offering is a unified platform combining direct reimbursement services, prior authorization management, and access to a network of over 1,000 credentialed providers. The portfolio integrates multiple specialized programs: the Programa Longevidade for general health promotion, Cuidado Integrado for beneficiaries 60+, Cuidados Domiciliares for home-based care, Cuidados na Internação for hospital monitoring, and Mente Sã for mental health support. Supporting infrastructure includes CTICOR for emergency transport, OMT for 24-hour medical phone guidance, Telemedicina CAMPERJ via Conexa Saúde for video consultations, and CAMPERJ Play for health education content. Services are delivered through online portals, a mobile app, and physical locations including the main headquarters and MPRJ service point.

Differentiator

Problem solved

Functional benefit

Products and services

• Programa Longevidade
• Cuidado Integrado
• Cuidados Domiciliares
• Cuidados na Internação
• Mente Sã
• Telemedicina CAMPERJ
• CTICOR
• OMT - Orientação Médica Telefônica
• Rede Credenciada
• Reembolso
• Autorizações
• Espaço Saúde Integral
• Plano de Saúde CAMPERJ (Collective Health Plan)

Quantifiable outcome

• 100% equal treatment — no differentiated plans regardless of member status
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• UNIMED Federação Rio - UNIMED FERJcoreStrategic or Co-development Partner · 20 February 2024CAMPERJ transitioned its coverage agreement from UNIMED-Rio to UNIMED Federação Rio (UNIMED FERJ) effective 2024. The new convênio offers identical coverage: all municipalities in the state of Rio de Janeiro for elective and emergency/urgent care, and all other Brazilian states for emergency/urgent care only. This is the primary insurance network partner underpinning CAMPERJ's provider coverage.
• Conexa SaúdecoreTechnology or IntegrationConexa Saúde provides the 24-hour telemedicine platform used by CAMPERJ since July 2022. The platform offers general, pediatric, psychiatric, psychological, and nutrition consultations via app (iOS/Android) and web browser. It includes encrypted audio/video communication and serves as the primary remote care channel.
• CVV - Centro de Valorização da VidaminorStrategic or Co-development PartnerPartnership renewed between CAMPERJ and CVV for emotional support and suicide prevention services. CVV provides free emotional support to CAMPERJ beneficiaries. The partnership is formalized through a Termo de Cooperação.
• COOPANEST - Cooperativa dos Médicos Anestesiologistas do Estado do Rio de JaneirominorChannel Partner/ Reseller/ DistributorCAMPERJ credencied COOPANEST as of April 1, 2023, integrating anesthesiologist services from the cooperative into its accredited provider network across Rio de Janeiro.
• Hospital Copa StarminorChannel Partner/ Reseller/ DistributorEffective April 1, 2026, Hospital Copa Star joins the CAMPERJ accredited network to provide urgency and emergency care in cardiology and neurology. This expands the high-acuity hospital coverage for CAMPERJ beneficiaries.
• Hospital das Clínicas da USP (via Fundação Faculdade de Medicina - FFM)minorChannel Partner/ Reseller/ DistributorCAMPERJ credencied the Hospital das Clínicas da Faculdade de Medicina da USP through the Fundação Faculdade de Medicina (FFM) in 2026, expanding coverage for CAMPERJ beneficiaries accessing high-complexity care in São Paulo.
• Vaccini (Vaccination Clinic)minorChannel Partner/ Reseller/ DistributorVaccini is an accredited vaccination clinic within the CAMPERJ network, used for flu and other vaccination campaigns and ongoing immunization services.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Postal Saúde (Correios): Postal Saúde operates an autogestão health plan for Correios employees and dependents in Brazil, with comparable subscription-based, network-driven health coverage and ANS oversight — directly comparable in business model to CAMPERJ's MP-RJ exclusivity.
• Amil (UnitedHealth Group Brazil): Amil is a leading commercial Brazilian health plan operator with broad provider networks and digital health delivery — comparable as a market leader against which CAMPERJ positions its exclusive, member-only autogestão model.
• FUNCEF (Fundação dos Economiários Federais): FUNCEF is a large Brazilian closed pension and healthcare assistance entity serving federal public servants — a structural cousin of CAMPERJ, operating an autogestão health plan with similar ANS-regulated mechanics for a defined institutional membership.
• Hapvida Saúde: Hapvida is one of Brazil's largest commercial health plan operators and a benchmark for integrated vertical healthcare delivery — relevant as a broad incumbent shaping pricing and digital expectations that CAMPERJ competes against or differentiates from.

Direct peers

• Unimed Federação Rio (UNIMED FERJ): UNIMED FERJ is CAMPERJ's primary coverage partner and Brazil's largest cooperative health network in Rio de Janeiro state — directly comparable as a provider-network operator for managed-care beneficiaries across RJ municipalities.
• Geap Saúde: Geap is a Brazilian autogestão health plan tied to public-sector-linked populations, offering ambulatory/hospital coverage with accredited networks — a near structural parallel to CAMPERJ's institutional-exclusive health assistance model.
• Cassems (Caixa de Assistência dos Servidores do Mato Grosso do Sul): Cassems is a Brazilian caixa de assistência providing autogestão healthcare for state public servants in Mato Grosso do Sul — a structural twin of CAMPERJ with state-public-servant-only membership, accredited networks, and ANS-regulated coverage.
• Assefaz (Caixa de Assistência dos Funcionários do Banco do Brasil): Assefaz is a Brazilian caixa de assistência providing health assistance to Banco do Brasil employees and dependents — comparable in structure to CAMPERJ as a self-managed health plan for a defined institutional membership base.

Regional players

• Clinipam (Curitiba): Clinipam is a regional integrated health plan operator in southern Brazil combining provider networks with digital services — comparable in managed-care positioning but serving a different geographic market than CAMPERJ's Rio de Janeiro focus.

Emerging players

• Conexa Saúde: Conexa Saúde operates the 24/7 telemedicine platform that powers CAMPERJ's virtual care offering — comparable as an enabling technology partner and adjacent player in Brazilian digital care delivery to self-managed plans and similar institutional customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/camperjmprj

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 CAMPERJ