Asfal

What Asfal does

Asfal (Associação do Fisco de Alagoas) is a non-profit health plan association founded in 1960 and headquartered in Maceió, Alagoas, Brazil. The organization operates as a self-managed health plan operator (operadora de autogestão em saúde) under ANS (Agência Nacional de Saúde Suplementar) registration number 393533, providing health insurance to fiscal tax professionals working in SEFAZ-AL — the Alagoas state tax authority — and their enrolled dependents. Its core product, ASFAL Saúde, delivers medical consultations, hospital care, laboratory exams, vaccination programs, home care, and telemedicine through a network of accredited providers in Alagoas. The association is governed by an elected Diretoria (Board of Directors) with no external shareholders, and ownership and control rest with its member associates.

The product surface extends beyond the core health plan to include ASFAL Social (community events), a Reciprocity Program enabling national coverage through the FEBRAFITE federation of state fiscal associations, a Member Portal for self-service (invoices, transparency, provider search, data updates), a Clube de Vantagens discount program, and Classifisco classifieds. Health-specific programs include the PRA VIDA wellness initiative, the recently launched ASFAL VIVA MAIS elderly prevention program (July 2026), and a recurring flu prevention campaign using ABBOTT's QIV 10x Influenza vaccine. Technology assets are modest: a dyndns-hosted member portal, WhatsApp-based member communication, Solus.inf.br for auditing, and D4Sign for digital signatures, with LGPD data-protection compliance and a dedicated DPO.

Revenue is generated exclusively through recurring monthly membership fees and health plan contributions from associates and their dependents (subscription model). Pricing is not publicly disclosed and is set through individual membership agreements. Distribution is single-channel: direct to the SEFAZ-AL fiscal workforce via union partnerships (SINDIFISCO), the FEBRAFITE/UNIDAS federation, and the organization's own website and social media. As a closed-population, non-profit association rather than a venture-backed company, Asfal has no external investors, no funding rounds, and no M&A history.

Name

Asfal

Legal name

Associação do Fisco de Alagoas (ASFAL)

Website

https://asfal.com.br

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

11–50 employees

Short description

Asfal is a non-profit health plan association founded in 1960 in Alagoas, Brazil, operating as a self-managed health insurance provider for SEFAZ-AL state fiscal tax professionals and their dependents under ANS regulation.

Ownership category

akta.pro rank

Product category

Health Insurance (Supplemental Health Plan Operator)

NAICS

Health and Welfare Funds (525120), Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324), Services-Membership Organizations (8600)

akta.pro primary industry

Eligibility, Enrollment & Benefits Administration (HLAEALAH)

akta.pro secondary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• Health insurance plans
• Medical assistance services
• Telemedicine services
• Member benefits programs
• Fiscal association services

Headquarters

HQ city

Maceió

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, Others

Revenue model

1. Health Plan Membership Fees: ASFAL operates as a health plan operator for fiscal professionals, generating revenue through monthly membership fees and health plan contributions from associated members and their dependents.

Distribution channels1 record

Marketing channels7 records

Core offering

Asfal operates ASFAL Saúde, a regulated self-managed health plan (operadora de autogestão em saúde) that provides medical, hospital, laboratory, vaccination, telemedicine, home care, and preventive health coverage to fiscal tax professionals of Alagoas and their dependents. Complementing the health plan, Asfal offers social and recreational member services, a reciprocity program for cross-state coverage through FEBRAFITE-affiliated operators, a member self-service portal, and a benefits club (Clube de Vantagens).

Product overview

ASFAL (Associação do Fisco de Alagoas) is a health insurance association serving fiscal workers in the state of Alagoas, Brazil. The organization operates ASFAL SAÚDE as its core health plan product, providing medical coverage through a network of accredited providers. Supporting this core product, ASFAL offers ASFAL SOCIAL for member social services and events, a RECIPROCITY PROGRAM enabling access through FEBRAFITE-partnered operators across Brazil, a MEMBER PORTAL for online services, and a CLUBE DE VANTAGENS benefits program. Health-specific programs include the PRA VIDA wellness program, the ASFAL VIVA MAIS elderly prevention program, and telemedicine services. The organization also provides supplementary services such as Classifisco, transparency reporting, and audit services.

Differentiator

Problem solved

Functional benefit

Brands

• ASFAL Saúde: Health plan and insurance services operated by ASFAL for its members, including programs like ASFAL VIVA MAIS for senior health prevention.

Products and services

• ASFAL Saúde Regulated health plan (operadora de autogestão em saúde) providing medical, hospital, laboratory, vaccination, telemedicine, home-care, and preventive-health coverage to fiscal tax professionals of Alagoas and their dependents.
• ASFAL Social Social and recreational services division providing member events, community programs, and access to social facilities for ASFAL members.
• Reciprocity Program (Reciprocidade) Health plan reciprocity service enabling ASFAL beneficiaries to access care through partner health operators in other Brazilian regions via the FEBRAFITE-affiliated operator network.
• Clube de Vantagens (Benefits Club) Benefits club offering discounts and advantages to ASFAL members through partner companies and establishments.
• Member Portal (Portal do Associado) Online member self-service portal providing access to second copy of invoices (2ª via do boleto), data updates, provider network search, transparency reports, and service requests.
• Classifisco Classified advertising service enabling ASFAL members to post and browse classified listings within the member community.
• PRA VIDA Program Health promotion and disease prevention program operated by ASFAL SAÚDE, focused on wellness and preventive care for beneficiaries.
• ASFAL VIVA MAIS Elderly health prevention program launched in July 2026, designed to promote health and strengthen lives of senior members through specialized preventive care services.
• Telemedicine Services (Telemedicina) Remote medical consultation services enabling ASFAL beneficiaries to access healthcare professionals without physical presence, integrated with the health plan system.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core and minor.

• SINDIFISCO (Sindicato dos Auditores de Tributos de Alagoas)coreOthers
• UNIDAScoreOthers
• FEBRAFITE (Federação Brasileira de Associações de Fiscais de Tributos Estaduais)coreStrategic or Co-development Partner
• ANS (Agência Nacional de Saúde Suplementar)coreOthers
• SEFAZ-AL (Secretaria de Estado da Fazenda de Alagoas)coreOthers
• ABOTT (Laboratório Farmacêutico)minorOthers

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SulAmérica Saúde: Large Brazilian health insurance carrier offering group and individual plans. Relevant comparable as an established commercial insurer that ASFAL's autogestão model competes against for the same professional class.
• Hapvida NotreDame Intermédica: One of Brazil's largest health insurers with vertically integrated provider networks. Operates in Alagoas and competes for the same regional healthcare market that ASFAL's provider network serves.
• Bradesco Saúde: Major Brazilian commercial health insurer offering group plans to employer-sponsored populations including government entities. Competes with ASFAL for fiscal professional group coverage in Alagoas.
• UNIDAS (União Nacional das Instituições de Autogestão em Saúde): National association representing Brazilian self-managed health operators (autogestão), of which ASFAL is an affiliate. UNIDAS coordinates industry standards, advocacy, and supplier agreements for operators like ASFAL.

Direct peers

• FEBRAFITE (Federação Brasileira de Associações de Fiscais de Tributos Estaduais): National federation of state fiscal tax associations across Brazil, of which ASFAL is a member. FEBRAFITE coordinates reciprocity agreements enabling ASFAL members to access health services through peer state associations.
• GEAP Saúde: Self-managed health operator serving public servants in Brazil, structured as an autogestão plan. Comparable to ASFAL in offering health plan administration to closed professional groups under ANS regulation.
• ASSEFAZ (Associação de Assistência à Saúde dos Servidores da Fazenda): National health assistance association serving federal treasury (Fazenda) public servants across Brazil. Operates as a self-managed health plan for a related fiscal/government professional class, structurally similar to ASFAL.
• AFFEMG (Associação dos Funcionários Fiscais do Estado de Minas Gerais): Minas Gerais fiscal association providing health and social benefits to state tax professionals. Direct counterpart to ASFAL operating in another state, with similar autogestão health operator structure and FEBRAFITE affiliation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/profile.php
• Instagraminstagram.com/asfal.alagoas
• LinkedInlinkedin.com/company/asfal

Compliance2 records

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 Asfal