Asfem Associacao Servidores Feder E Estad E Municipais

What Asfem Associacao Servidores Feder E Estad E Municipais does

ASFEM (Associação dos Servidores Federais, Estaduais e Municipais) is a Brazilian non-profit membership association headquartered at Avenida Treze de Maio, 13, in Cinelândia, Rio de Janeiro, that delivers a portfolio of insurance, healthcare, and financial benefits to federal, state, and municipal public servants and their dependents. The organization operates a web-based membership platform with a partner portal through which members access medical emergency services, an ambulatory health plan (Plano de Saúde), a family funeral assistance plan (Plano Funeral), residential insurance (Seguro Residencial), life and personal accident insurance (Seguro de Vida), specialized insurance for military police officers (Seguros para Policial Militar), telemedicine consultations, and payroll-deducted loans (Empréstimo Consignado). Underlying technology is a standard content-managed website (developed by MixWeb) paired with a member login and WhatsApp/phone-based sales and support, rather than a proprietary platform with disclosed technical depth.

ASFEM monetizes through recurring membership and insurance premiums — a subscription-style model anchored to association status — supplemented by transaction fees on payroll-deducted loans priced at preferential rates starting from 1.2%, plus ancillary event revenue (e.g., a Bier Tour at R$250 for members, R$270 for non-members). Distribution is direct-to-consumer via self-service web access, phone, and WhatsApp, with mid-funnel member engagement generated by a partner directory of hotels, restaurants, language schools, driving schools, and wellness providers, and by content marketing on the website covering birthdays, events, promotions, and partner announcements. Go-to-market is supplemented by strategic partnerships such as the collaboration with Instituto MOSAP (May 2024) for advocacy on PEC 06/2024 and PEC 555/2006, and with Instituto Welkin Coaching (Nov 2019) for free professional development courses. The customer base is concentrated in a single occupational persona — Brazilian public servants — with military police officers and family dependents as secondary and tertiary segments, and the association operates with a lean 12-person headcount from a single Rio de Janeiro location.

Name

Asfem Associacao Servidores Feder E Estad E Municipais

Legal name

ASFEM - Associação dos Servidores Federais, Estaduais e Municipais

Website

https://asfem.org.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

ASFEM is a Rio de Janeiro-based Brazilian non-profit membership association that provides insurance, health, funeral, telemedicine, and payroll-deducted loan benefits to federal, state, and municipal public servants and their dependents across Brazil.

Ownership category

akta.pro rank

Product category

Public Servant Association Benefits

NAICS

Insurance Agencies and Brokerages (524210), Business Associations (813910), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411), Services-Membership Organizations (8600), Accident & Health Insurance (6321)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

akta.pro secondary industries

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA), Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• Public servant insurance
• Membership association benefits
• Payroll-deducted loans
• Health insurance plans
• Funeral assistance plans

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

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

Revenue model

1. Membership fees: Revenue generated from association membership fees paid by public servants (federais, estaduais e municipais). Members pay to access exclusive insurance products, medical services, loans, and partner discounts.
2. Insurance products: Sales of health insurance, life insurance, funeral plans, home insurance, and military police insurance. Products offered exclusively to associated members.
3. Medical emergency services: Emergency, urgent, and home medical care services provided to members.
4. Consignado loans: Payroll-deducted loans offered to members with preferential interest rates starting from 1.2%. Revenue generated through interest rates and loan processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

ASFEM is a non-profit membership association that provides insurance, healthcare, and financial products exclusively to federal, state, and municipal public servants in Brazil. Members access medical emergencies, ambulatory health plans, funeral plans, residential insurance, life insurance, military police insurance, telemedicine, and payroll-deducted loans with preferential rates through the association's collective bargaining power.

Product overview

ASFEM is a membership-based association offering a portfolio of insurance and assistance products tailored for federal, state, and municipal public servants in Brazil. The core offering consists of medical emergency services, health insurance plans, funeral assistance plans, home insurance, life insurance, military police-specific insurance, and telemedicine services. These products are designed as member benefits with exclusive pricing and comprehensive coverage. The association also provides payroll-deducted loans as a financial service to its members. The portfolio operates as separate benefit programs unified under the association membership model.

Differentiator

Problem solved

Functional benefit

Products and services

• Emergências Médicas (Medical Emergencies) Medical emergency, urgency, and home care services providing immediate medical attention to members in emergency situations. Available exclusively to ASFEM members.
• Plano de Saúde (Health Insurance Plan) Ambulatory health insurance plan with exclusive prices and comprehensive coverage for members. Designed for public servants seeking affordable health coverage.
• Plano Funeral (Funeral Plan) Family funeral assistance plan providing comprehensive support during difficult times for members and their families. Offered as an exclusive member benefit.
• Seguro Residencial (Home Insurance) Home insurance protecting belongings against fire, explosions, lightning strikes, and riots, with 24-hour assistance services. Available to ASFEM members.
• Seguro de Vida (Life Insurance) Life and personal accident insurance plans available as individual or family coverage, flexible to members' needs. Designed for public servants and their families.
• Seguros para Policial Militar (Military Police Insurance) Specialized insurance products designed for military police personnel to provide security and peace of mind for officers and their families.
• Telemedicina (Telemedicine) Technology-based service connecting doctors with patients for remote medical consultations and healthcare delivery. Available to ASFEM members.
• Empréstimo Consignado (Payroll-Deducted Loans) Payroll-deducted loan service for members offering competitive interest rates starting from 1.2% with no inconvenient calls or disturbances. Contact Xavier at (21) 99767 2054 WhatsApp.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• Instituto MOSAPcoreStrategic or Co-development Partner · 1 May 2024Partnership with Instituto MOSAP to advocate for public servant rights throughout Brazil. ASFEM representative Sr. Francisco Romero participated in a meeting in Brasília on May 21, 2024 to discuss PEC 06/2024 approval and its relation to PEC 555/2006. The collaboration involves dozens of affiliated entities working together on parliamentary initiatives.
• CCAA - Centro RJminorGTM or Marketing Partner · 1 January 2023Language school partner offering special promotions to ASFEM members and dependents. Located in Centro, Rio de Janeiro.
• Auto Escola Tardelli - Tijuca RJminorGTM or Marketing Partner · 1 January 2023Driving school partner offering discounted services to ASFEM members.
• Bamboo Búzios HostelminorGTM or Marketing Partner · 1 January 2023Hostel accommodation partner in Búzios, Rio de Janeiro offering discounts to ASFEM members.
• Hotel Casa Branca - Guarujá SPminorGTM or Marketing Partner · 1 January 2023Hotel partner in Guarujá, São Paulo offering accommodation discounts to ASFEM members.
• Malibu Palace Hotel - Cabo Frio RJminorGTM or Marketing Partner · 1 January 2023Beach hotel partner in Cabo Frio, Rio de Janeiro offering accommodation discounts to ASFEM members.
• Instituto Welkin CoachingcoreStrategic or Co-development Partner · 1 November 2019Partnership offering free courses in Administrative Assistant and English to ASFEM members, their families, and public servants. Courses administered at ASFEM headquarters at Avenida Treze de Maio, 33/1909, Centro do Rio de Janeiro. Dynamic intensive course format.
• RX TOURminorGTM or Marketing Partner · 1 November 2019Tourism partner for organizing events like Bier Tour at Vila St. Gallen in Teresópolis. Contact: Xavier at Zap (21) 99767 2054 for event sales and information.

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SulAmérica Seguros: SulAmérica is a major Brazilian insurer offering health, life, and auto products through corporate and association channels, overlapping with several of ASFEM's product lines at significantly larger scale.
• Bradesco Saúde: Bradesco Saúde is one of Brazil's largest health-insurance carriers with broad employer-sponsored plans; it competes for the same public-servant customer base that ASFEM targets but at national scale.
• Porto Seguro: Porto Seguro is a leading Brazilian insurance carrier offering home, life, and auto insurance plus assistance services, directly overlapping with ASFEM's home and life insurance portfolio.

Direct peers

• Cassi (Caixa de Assistência dos Funcionários do Banco do Brasil): Cassi is a non-profit health assistance association for Banco do Brasil employees and their families, offering health plans, insurance, and partner benefits through a membership model — directly comparable to ASFEM's public-servant association structure.
• GEAP Saúde: GEAP is a Brazilian health-plan autogestão operator serving federal public servants with a membership-based model offering ambulatory and hospital coverage, closely paralleling ASFEM's Plano de Saúde offering.
• Capec Saúde: Capec is a non-profit health assistance foundation for Banco Central do Brasil employees, offering health, dental, and life benefits through collective member funding — comparable to ASFEM's association-bundled approach.
• Postal Saúde: Postal Saúde is a non-profit autogestão health plan serving Correios (Brazilian postal service) employees, providing ambulatory and hospital coverage plus ancillary benefits under a membership model similar to ASFEM.
• FUNCEF (Fundação dos Economiários Federais): FUNCEF is a closed pension and benefits entity for Caixa Econômica Federal employees, bundling health, life, and lending products for a defined workforce — directly comparable to ASFEM's multi-product bundle for public servants.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/asfem-associacao-servidores-feder-e-estad-e-municipais

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Asfem Associacao Servidores Feder E Estad E Municipais