AFRERJ

What AFRERJ does

AFRERJ (Associação dos Auditores Fiscais da Receita Estadual do Rio de Janeiro) is a non-profit civil association headquartered in Rio de Janeiro, Brazil, founded in 1958 to represent and serve fiscal auditors of the Rio de Janeiro State Revenue Service. The association provides professional representation, legal defense, career support, and pension advisory to its members, while also administering a comprehensive mutual benefits package that includes the AMAFRERJ self-managed health plan (founded 1998, ANS operator code 387185), the Pós-Vida funeral assistance plan, a pecúlio death benefit, and access to 60+ partner discounts spanning dental care, insurance, education, pharmacy, automotive, and leisure categories.

The core technology infrastructure centers on a self-managed health plan (autogestão) operated on a cost-sharing (rateio) model where monthly contributions are calculated by multiplying member quotas by a unit value (R$65.00), then adjusted based on actual monthly expenses. Member-facing digital channels include the AMAFRERJ mobile application, a beneficiary portal (servicoscredenciados.afrerj.org.br), and a provider portal for credentialed healthcare providers. Geographic reach extends nationally through reciprocity agreements with 15+ state fiscal auditor associations, enabling emergency and urgent healthcare coverage across nearly all Brazilian states.

Revenue is generated through recurring monthly member contributions calculated by age bracket (ranging from R$500 promotional for ages 0-18 to R$6,578.65 for ages 69+), supplemented by commissions from partner companies. The organization operates with a lean staff of 8 employees, is governed by an elected member board, and is not investor-backed. The Próprietária headquarters occupies an entire floor at Rua Sete de Setembro, 55 in Centro, Rio de Janeiro, acquired in 1995. An Extraordinary General Assembly has been convened for April 14, 2026 to deliberate on statutory changes and the potential alienation of owned real estate, indicating possible organizational restructuring.

Name

AFRERJ

Legal name

Associação dos Auditores Fiscais da Receita Estadual do Rio de Janeiro

Website

https://afrerj.org.br

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

1–10 employees

Short description

AFRERJ is a Rio de Janeiro-based non-profit association representing fiscal auditors of the Rio de Janeiro State Revenue Service. It operates the AMAFRERJ self-managed health plan and provides mutual benefits including funeral assistance, death benefits, and 60+ partner discounts to its members and dependents.

Ownership category

akta.pro rank

Product category

Professional Association and Self-Managed Health Insurance

NAICS

Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro industry

PRIMARYFSAIAFAH

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

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

Keywords

• Professional association services
• Self-managed health plan
• Fiscal auditor representation
• Member benefits programs
• Mutual aid association

Headquarters

HQ city

Rio de Janeiro

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, Others

Revenue model

1. Member Contributions: Monthly contributions from fiscal auditor members (Auditor Fiscal) and pensionists. Contributions are calculated based on a quota system according to age brackets, using a cost-sharing (rateio) model where expenses are divided among participants with no profit motive.
2. Health Plan Premiums: AMAFRERJ health plan contributions calculated by multiplying the estimated quota by R$50.00 per unit. The final contribution is adjusted based on actual monthly expenses, with differences either charged or reimbursed.
3. Partnership Fees and Commissions: Commissions from partner companies (e-commerce, insurance, dental plans) where members receive discounts through the association

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

AFRERJ is a non-profit civil association representing state fiscal auditors (auditores fiscais da receita estadual) in Rio de Janeiro, offering professional representation, legal defense, and a portfolio of member benefits. Through its wholly-owned subsidiary AMAFRERJ (founded 1998), it operates a self-managed health plan (autogestão) with a cost-sharing (rateio) model and no profit motive, alongside funeral assistance (Pós-Vida), death benefits (pecúlio), dental coverage via Odontoprev, and 60+ discount partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• AFRERJ Association Membership
• AMAFRERJ Self-Managed Health Plan
• Pós-Vida Post-Life Assistance Plan
• Dental Plan via Odontoprev
• Pecúlio Death Benefit Program
• Reciprocity Healthcare Network

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Febrafite (Federação Brasileira de Associações de Fiscais de Tributos Estaduais)coreStrategic or Co-development PartnerAFRERJ is a partner with Febrafite in building a better Brazil. Febrafite promotes the National Tax Education Award and represents state fiscal auditor associations nationwide.
• JAZ (Serviços Funerários)coreStrategic or Co-development PartnerJAZ provides funeral services for AFRERJ members who subscribe to the Pós-Vida (Post-Life) plan, including urns, burial, cremation, chapel rental, body transport up to 350km, and 24/7 assistance.
• OdontoprevcoreStrategic or Co-development PartnerDental plan program offered to AFRERJ members through Odontoprev with extensive provider network and competitive pricing.
• State Fiscal Associations (Convênio de Reciprocidade)coreStrategic or Co-development PartnerReciprocity agreements with fiscal associations in Alagoas, Amazonas, Bahia, Brasília, Ceará, Goiás, Minas Gerais, Pará, Paraíba, Paraná, Pernambuco, Rio de Janeiro, Rio Grande do Sul, São Paulo, and Sergipe for emergency healthcare coverage nationwide.
• ANS (Agência Nacional de Saúde Suplementar)coreOthersRegulatory body that oversees and certifies AMAFRERJ as a health plan operator. AMAFRERJ maintains compliance with ANS regulations and participates in the IDSS quality assessment program.
• TeleHelpminorGTM or Marketing PartnerEmergency home assistance service offering discounts on adhesion fees for AFRERJ members, including emergency domiciliary attendance and ambulance services.
• Drogaria VenanciominorGTM or Marketing PartnerPharmacy chain offering discounts from 2% on perfumery items to over 30% on generic medications for AFRERJ/AMAFRERJ members.
• Rede HondaminorGTM or Marketing PartnerVehicle purchase discounts at Honda dealerships throughout Rio de Janeiro state for AFRERJ members.
• Estácio UniversityminorGTM or Marketing PartnerEducational discounts of 20% on postgraduate and distance learning courses, 10% on technological courses, and 10-28% on undergraduate programs.
• Liberty SegurosminorGTM or Marketing PartnerInsurance partner offering car and home insurance with up to 11-month interest-free installment payments and up to R$200 discount on deductibles.
• AFFEMAT (Associação dos Funcionários da Fazenda de Mato Grosso)minorStrategic or Co-development PartnerClub resort access in Cuiaba, Cáceres, Alto Araguaia, Rondonópolis, and Barra do Garças for AFRERJ members.
• Aubergue SuisseminorGTM or Marketing PartnerResort in Nova Friburgo with 30% weekday and 10% weekend discounts for AFRERJ members, featuring chalets, pools, and restaurants.

Scale indicators5 records

Recent moves16 records

Expansion highlights16 records

Direct peers

• Cassi (Caixa de Assistência dos Funcionários do Banco do Brasil): Brazil's largest autogestão health plan, operated by and for Banco do Brasil employees on a cost-sharing, non-profit basis. Directly comparable to AMAFRERJ's autogestão model, with a larger but analogous member-funded structure.
• GEAP Saúde: Self-managed health plan serving public servants across Brazil. Comparable to AFRERJ as a civil-servant-focused autogestão operator offering non-profit, member-funded health coverage with a national footprint.
• AFFEMAT (Associação dos Funcionários da Fazenda de Mato Grosso): State fiscal-administration association in Mato Grosso that AFRERJ already partners with for reciprocal resort access. Highly comparable as a peer state fiscal-employee association, though smaller in scope.
• AFFESC (Associação dos Fiscais da Fazenda de Santa Catarina): Peer state fiscal-auditor association in Santa Catarina, representing an analogous membership base of state revenue auditors. Directly comparable mission, governance model and likely autogestão health-plan offering.

Broad incumbents

• Bradesco Saúde: One of Brazil's largest commercial health insurers, often competing for corporate and public-sector group plans. Comparable as an incumbent whose pricing and service standards set the bar AMAFRERJ must clear to retain members.
• SulAmérica Saúde: Major Brazilian commercial health insurer with broad corporate and individual offerings. Relevant incumbent competitor that defines the commercial benchmark against which AFRERJ's autogestão economics must continue to outperform.
• Hapvida NotreDame Intermédica: Vertically integrated Brazilian health-plan and provider operator with national reach. Provides a benchmark for scaling member-funded health plans and the digital self-service experience AFRERJ is building via its app and portals.
• Unimed Seguros Saúde: Largest Brazil-based cooperative health-plan network with broad coverage and established provider network. Serves as an incumbent benchmark for pricing, provider access and digital service quality in the same market AFRERJ competes for member retention.
• Petrobras AMS: Petrobras's in-house, multi-million-member self-managed health assistance program. Analogous autogestão model but vastly larger scale and tied to a single employer, making it a broad incumbent reference point.

Others

• Odontoprev: Brazil's largest dental-plan operator and an existing AFRERJ partner. Adjacent/ecosystem participant — not a direct health-plan competitor, but a representative example of the partner network AFRERJ curates to augment membership value.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/amafrerj
• Instagraminstagram.com/amafrerj
• LinkedInlinkedin.com/company/afrerj

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 AFRERJ