Associaço Dos Funcionários Públicos Do Estado Rs

What Associaço Dos Funcionários Públicos Do Estado Rs does

Associação dos Funcionários Públicos do Estado do Rio Grande do Sul (Afpergs) is a membership-based mutual benefit association headquartered in Porto Alegre that operates a regulated health insurance business under the brand Verte|Saúde. It exclusively serves active and retired public employees of the state of Rio Grande do Sul, Brazil, providing health plan coverage that includes medical consultations, hospitalizations, emergency care, obstetric and pediatric services, oncology, rheumatology, dental care, and laboratory services through a contracted provider network accessible via a "Guia Médico" directory. Vertically integrated adjacent services include a Benefits Club discount program (Clube de Benefícios), online second-copy billing, occupational health services through SESMT, and, as of March 2026, a new in-network referral facility — Hospital Humaniza — for urgent obstetric and pediatric care and for oncology, rheumatology, and clinical medicine.

The technology stack is operational rather than technology-native: a website-based member portal (vertesaude.com.br), a WhatsApp customer service channel, a publicly disclosed Financial Statements page, and an IDSS (Índice de Desempenho da Saúde Suplementar) reporting section consistent with Brazilian health regulator (ANS) requirements. The association is regulated by ANS and reports a Privacy Committee, data protection practices, and compliance training. There is no mobile app, no API, no disclosed AI/ML capability, and no proprietary technology platform beyond the standard operator back-office. Revenue is generated through recurring monthly premiums paid by AFPERGS member beneficiaries (subscription model); specific premium pricing, plan tiers, and financial results are not publicly disclosed. Go-to-market is institutional and captive: distribution flows exclusively through the AFPERGS association infrastructure to the public-sector employee member base, with no external customer acquisition channel.

Name

Associaço Dos Funcionários Públicos Do Estado Rs

Legal name

Associação dos Funcionários Públicos do Estado do Rio Grande do Sul (Afpergs)

Website

https://afpergs.com.br

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Verte|Saúde, operated by AFPERGS, is a Rio Grande do Sul-based mutual health insurance plan serving state public employees and dependents with medical, hospital, dental, and specialty care through a contracted provider network and a new in-network hospital.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Ambulatory Health Care Services (621), General Medical and Surgical Hospitals (622110)

SIC

Services-Health Services (8000), Services-Membership Organizations (8600)

akta.pro industry

PRIMARYFSAIAFAK

Group HMO Plans

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

SECONDARYHLAEAMAA

Staff-Model HMOs (Integrated Delivery)

Healthcare & Life Sciences/Health Insurance & Managed Care/Health Maintenance Organizations (HMOs)

Keywords

• Health insurance plans
• Mutual benefit association
• Public sector healthcare
• Medical provider network
• Occupational health services

Headquarters

HQ city

Porto Alegre

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. Health Insurance Premiums: Verte|Saúde generates revenue through monthly health insurance premiums paid by AFPERGS member beneficiaries, who are public employees of the state of Rio Grande do Sul. The operator provides healthcare coverage including medical consultations, hospitalizations, dental care, laboratories, and hospitals through its provider network.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Associação dos Funcionários Públicos do Estado do Rio Grande do Sul (AFPERGS) operates Verte|Saúde, a health insurance operator providing medical, hospital, dental, obstetric, pediatric, oncology, and rheumatology coverage to active and retired public employees of Rio Grande do Sul. Services are delivered through a curated provider network of physicians, clinics, laboratories, and hospitals, with supporting member tools including an online medical directory, benefits club, billing portal, and occupational health services (SESMT).

Product overview

Verte|Saúde operates as a health insurance operator (operadora de saúde) for public employees of Rio Grande do Sul, offering a unified healthcare platform with multiple interconnected service modules. The core product is the health insurance plan itself, supported by a provider network accessible through the Guia Médico directory. Additional services include the Clube de Benefícios discount program, online bill payment (2ª via do boleto), and specialized occupational health services through SESMT. Recent expansion includes Hospital Humaniza as a new referral facility for specialized care including oncology, rheumatology, and emergency services.

Differentiator

Problem solved

Functional benefit

Products and services

• Verte|Saúde Health Insurance Plan Health insurance operator (operadora de saúde) providing comprehensive medical, hospital, dental, and specialized healthcare coverage to active and retired public employees of Rio Grande do Sul through a curated provider network.
• Clube de Benefícios (Benefits Club) Member benefits program providing exclusive discounts and advantages through partnerships with companies across various market segments for AFPERGS beneficiaries.
• SESMT (Serviço Especializado em Segurança e Medicina do Trabalho) Specialized occupational health and safety service providing workplace health and safety assessments and reporting for affiliated organizations.
• Nova Referência Assistencial (New Healthcare Referral for Oncology, Rheumatology, and Clinical Medicine) New healthcare referral service providing specialized care in oncology, rheumatology, and clinical medicine for Verte|Saúde beneficiaries.

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

Integration1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Hospital HumanizacoreStrategic or Co-development Partner · 18 March 2026Verte|Saúde established a partnership with Hospital Humaniza for the provision of urgent and emergency obstetric and pediatric care services. Starting March 18, 2026, Hospital Humaniza began providing specialized healthcare services to Verte|Saúde beneficiaries. Training for emergency obstetric and pediatric care was conducted on March 12, 2026.
• R7 CorretoraminorGTM or Marketing Partner · 26 November 2025Verte|Saúde and R7 Corretora joined forces on November 26, 2025, for an educational action on longevity, demonstrating collaborative marketing efforts to promote health awareness and wellness among beneficiaries.
• IMAMA (Instituto da Mama do Rio Grande do Sul)coreStrategic or Co-development Partner · 21 October 2025Verte|Saúde partnered with IMAMA to promote breast health awareness and provide specialized support for beneficiaries. On October 21, 2025, Verte|Saúde-Afpergs received the IMAMA team for a collaborative meeting focused on breast cancer prevention and patient support initiatives.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Hapvida NotreDame Intermédica: Major Brazilian health plan operator with extensive own-hospital network. Highly comparable to Verte|Saúde's vertical integration strategy through Hospital Humaniza, but operates nationally at significant scale.
• Unimed: Largest cooperative health system in Brazil with a network of regional Unimed operators offering HMO-style plans. Directly relevant as a Brazilian group HMO/cooperative competitor, but operates at national scale.
• Amil: One of the largest health insurance operators in Brazil offering group and individual HMO plans. Competes for similar employer-sponsored group contracts in the supplementary health market.
• Bradesco Saúde: Health insurance arm of Bradesco Seguros, one of the largest group health plan providers in Brazil. Major competitor for employer-sponsored and association-based group plans.
• SulAmérica: Established Brazilian health insurance operator offering group HMO, PPO, and dental plans. Competes in the same employer-sponsored group health segment and serves public-sector associations.

Direct peers

• Cassi (Caixa de Assistência dos Funcionários do Banco do Brasil): Mutual health assistance entity for Banco do Brasil employees and dependents. Closely mirrors the AFPERGS model of an employee-association-owned health plan providing group coverage.
• AMS Petrobras: Multi-care health assistance program for Petrobras employees and dependents. Closely parallels AFPERGS/Verte|Saúde as a corporate/employer-affiliated closed health plan with dedicated beneficiary base.
• GEAP (Geap Autogestão em Saúde): Brazilian health plan operator specifically serving public servants and their dependents, similar mutual/association-based model. Direct comparison as a public-sector-focused health maintenance organization with comparable beneficiary structure.
• Postal Saúde: Health plan operator for Correios (Brazilian postal service) employees. Operates as a closed-group, employer-affiliated health plan with similar captive beneficiary structure to Verte|Saúde.
• Instituto de Assistência Médica ao Servidor Público Estadual (IAMSPE): São Paulo state public servant healthcare assistance institute. Provides health coverage to state public employees in a single state, analogous to AFPERGS's role for Rio Grande do Sul state employees.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/associa%C3%A7o-dos-funcion%C3%A1rios-p%C3%BAblicos-do-estado-rs

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 Associaço Dos Funcionários Públicos Do Estado Rs