ASSEFAZ - Fundação Assistencial dos Servidores do Ministério da Fazenda

What ASSEFAZ - Fundação Assistencial dos Servidores do Ministério da Fazenda does

ASSEFAZ (Fundação Assistencial dos Servidores do Ministério da Fazenda) is a Brazilian nonprofit foundation founded in 1980 that operates as an ANS-regulated health insurance provider exclusively serving federal public servants and their dependents through collective agreements (convênios) with federal agencies. The foundation distributes six named health plans — Diamante, Rubi, Safira, Esmeralda, Cristal (national coverage) and Jade DF (Distrito Federal only) — covering ambulatory, hospital, and obstetric care, with premium tiers including dental coverage (Diamante), Sírio-Libanês Oncology Center access (Rubi), and 50% medication reimbursement on premium plans. The foundation operates an owned primary care clinic network staffed by partner organizations including Sírio-Libanês, Amparo Health, Valsa Health, and INLAB (Grupo Fleury) across Brasília, São Paulo, Rio de Janeiro, Salvador, and São Luís.

The technology stack centers on a web-based beneficiary services portal (servicos.assefaz.org.br), native iOS and Android mobile applications providing digital ID cards and benefit management, the Telessaúde telemedicine platform offering 30+ specialties with zero coparticipation, and the FACPLAN health management system that processes reimbursement requests for procedures, medications, and vaccines. WhatsApp integration handles enrollment inquiries, concierge services, and appointment scheduling. ASSEFAZ supplements its core insurance with the Assefaz Social membership program (R$85/family/month) providing leisure facilities in major tourist destinations, Wellhub (formerly Gympass) wellness access, Clube Ben discount network, and TecGroup funeral assistance.

Revenue is generated through recurring monthly contributions from public servants and sponsoring government agencies, with rates determined per collective agreement rather than publicly disclosed. Some plans (Esmeralda, Cristal, Jade DF) incorporate 30% coparticipation on outpatient services. The foundation serves approximately 430 employees and operates a single-country footprint in Brazil with national coverage supplemented by 13+ regional offices and clinic locations. Distribution relies on SIPEC partnerships, monthly ConectaGente HR network meetings, the website enrollment portal, and WhatsApp concierge channels.

Name

ASSEFAZ - Fundação Assistencial dos Servidores do Ministério da Fazenda

Legal name

Fundação Assefaz - Fundação Assistencial dos Servidores do Ministério da Fazenda

Website

https://assefaz.org.br

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

251–500 employees

Short description

ASSEFAZ is a Brazilian nonprofit foundation, founded in 1980, providing ANS-regulated health insurance and supplementary social benefits exclusively to federal public servants and their dependents through six collective-agreement plans, primary care clinics in five states, and a telemedicine platform.

Ownership category

akta.pro rank

Product category

Group Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321)

akta.pro industry

PRIMARYFSAIAFAB

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

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

Keywords

• Health insurance plans
• Supplementary health coverage
• Public servant benefits
• Telemedicine services
• Primary care clinics

Headquarters

HQ city

Brasília

HQ country

Brazil

HQ region

Latin America

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Plan Contributions: Monthly contributions from public servants and government agencies based on collective agreements (convenios). The foundation operates as a non-profit entity. Contribution values vary by plan tier (Diamante, Rubi, Safira, Esmeralda, Cristal, Jade DF), coverage level, and the specific collective agreement. Contributions include coparticipation elements for some plans.
2. Assefaz Social Program: Monthly social contribution of R$85 per family group, providing access to recreational facilities (clubs, pousadas), wellness partners (Wellhub/Gympass), discount networks, funeral assistance, and other social benefits. This is a mandatory add-on for health plan beneficiaries.
3. Funeral Assistance: Additional monthly fees for funeral assistance services provided through TecGroup partnership: R$4.84/month for individual (titular), R$13.55/month for family plan, and R$4.84 per aggregated dependent.
4. Coparticipação (Cost-sharing): Some plans (Esmeralda, Cristal, Jade DF) include coparticipation fees where beneficiaries pay 30% of the provider cost for outpatient services and fixed amounts per hospitalization, subject to monthly financial limits.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Fundação Assefaz is a nonprofit health foundation that sells and administers six ANS-regulated collective health insurance plans to Brazilian federal public servants of the Ministry of Finance: five national-coverage plans (Diamante, Rubi, Safira, Esmeralda, Cristal) and one local plan for the Distrito Federal (Jade DF). Each plan bundles ambulatory and hospital coverage with obstetrics, with select plans adding dental coverage, premium hospital network access (Sírio-Libanês, DF Star/Rede D'Or), and medication reimbursement, complemented by telemedicine, owned primary care clinics, an online reimbursement module, and the Assefaz Social membership program of leisure, discounts, and funeral assistance.

Product overview

ASSEFAZ operates as a non-profit health foundation for Brazilian public servants, offering a portfolio of six health insurance plans named after gemstones (Diamante, Rubi, Safira, Esmeralda, Cristal, and Jade DF). Five plans provide national coverage while Jade DF is exclusive to the Federal District. All plans include ambulatory and hospital coverage with obstetrics and apartment-level accommodation; Diamante additionally includes dental and hospital access to Sírio-Libanês and Rede D'Or São Luiz, while Rubi covers the Sírio-Libanês Oncology Center. These core health plans are supplemented by Assefaz Social (a membership program with discounts, wellness, and leisure benefits), Telessaúde (telehealth with 30+ specialties), Clínicas Assefaz (owned primary care clinics with multidisciplinary teams), a reimbursement module, a mobile app, and online billing.

Differentiator

Problem solved

Functional benefit

Brands

• Assefaz Diamante: Premium health plan with national coverage, includes Hospital Sírio Libanês DF and DF Star network, plus dental coverage and 50% medication reimbursement.
• Assefaz Rubi
• Assefaz Safira
• Assefaz Esmeralda
• Assefaz Cristal
• Assefaz Jade DF
• Assefaz Social

Products and services

• Assefaz Diamante Premium national health insurance plan with ambulatory and hospital coverage including obstetrics, dental coverage, exclusive access to Hospital Sírio-Libanês DF and DF Star (Rede D'Or São Luiz), and 50% medication reimbursement. Targeted at federal public servants seeking top-tier coverage without coparticipation.
• Assefaz Rubi National health insurance plan with ambulatory and hospital coverage including obstetrics, exclusive access to the Sírio-Libanês Oncology Center, and 50% medication reimbursement. Targeted at federal public servants needing premium care with oncology coverage.
• Assefaz Safira National health insurance plan with ambulatory and hospital coverage including obstetrics, apartment-type accommodation, no coparticipation. Targeted at federal public servants seeking standard national coverage with predictable monthly contributions.
• Assefaz Esmeralda National health insurance plan with ambulatory and hospital coverage including obstetrics, apartment-type accommodation, with regulatory coparticipation factor. Targeted at federal public servants seeking standard national coverage with cost-sharing.
• Assefaz Cristal National health insurance plan with ambulatory and hospital coverage including obstetrics, apartment-type accommodation, with regulatory coparticipation factor. Targeted at federal public servants seeking standard coverage with cost-sharing.
• Assefaz Jade DF Local health insurance plan exclusive to the Distrito Federal, with ambulatory and hospital coverage including obstetrics, apartment-type accommodation, coparticipation, and an exclusive local provider network. Targeted at DF-based federal public servants seeking affordable local coverage.
• Telessaúde Assefaz (Telemedicine) Telemedicine platform included with all health plans, offering 24/7 virtual urgent care, psychology, specialist physicians (30+ specialties), nutrition, and speech therapy consultations, all without coparticipation. Targeted at plan beneficiaries needing convenient virtual care.
• Clínicas Assefaz (Primary Care Clinics) Owned and partnered primary care clinic units staffed by multidisciplinary health teams (family physicians, nurses, nutritionists, psychologists, pharmacists), offering scheduled appointments, walk-in consultations, and low-complexity procedures across locations in Brasília/DF, Salvador/BA, São Paulo/SP, Rio de Janeiro/RJ, and São Luís/MA. Targeted at health plan beneficiaries.
• Assefaz Social Supplementary membership program offering discounts at partner establishments, access to Assefaz clubs and vacation resorts, funeral assistance, Wellhub wellness benefit, Clube Ben discount club, and Rede de Vantagens partner network, for a monthly contribution of R$85 per family group. Targeted at health plan beneficiaries seeking additional lifestyle benefits.
• Reembolso (Reimbursement Service) Reimbursement service for out-of-network medical procedures, medications (Diamante and Rubi plans at 50%), and vaccines (Diamante and Rubi plans, including Qdenga dengue vaccine), processed through the FACPLAN portal. Targeted at health plan beneficiaries using non-network providers or seeking medication/vaccine cost coverage.

Quantifiable outcome

• No coparticipation for telemedicine consultations across all health plans
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered flagship, core, standard and minor.

• Sírio-Libanês (Hospital Sírio-Libanês)flagshipStrategic or Co-development PartnerSírio-Libanês serves as a key strategic healthcare partner, providing primary care teams (Times de Saúde) at ASSEFAZ clinics in Brasília/DF and Salvador/BA. The partnership includes an Oncology Center exclusively for ASSEFAZ Rubi plan beneficiaries. The Sírio-Libanês platform is used for appointment scheduling (Paciente Sírio-Libanês app).
• Amparo HealthcoreTechnology or IntegrationAmparo provides primary care teams (Times de Saúde) at ASSEFAZ clinics in Brasília/DF (multiple units), Salvador/BA, São Paulo/SP, and São Luís/MA. Healthcare teams include family physicians, nurses, nutritionists, psychologists, and pharmacists.
• Valsa HealthcoreTechnology or IntegrationValsa provides primary care team services at ASSEFAZ clinic in Rio de Janeiro (Rua Jardim Botânico). Services include consultations with family physician, nurse, psychologist, and nutritionist, plus minor procedures.
• Wellhub (formerly Gympass)standardGTM or Marketing PartnerWellhub is offered as part of the Assefaz Social program, providing beneficiaries access to gyms across Brazil, virtual fitness classes, meditation apps, and mental health therapy apps. ASSEFAZ Social members can register through a dedicated link.
• TecGroupstandardStrategic or Co-development PartnerTecGroup provides funeral assistance services as part of the Assefaz Social program. Plans include 15+ assistance services including air transport, fee payments, cremation, and administrative procedures. No age limit or pre-existing condition restrictions. 60-day waiting period applies.
• Drogaria VitabelminorGTM or Marketing PartnerPharmacy partnership offering 50% discount on medications at point of purchase. Note: purchases at Drogaria Vitabel are not eligible for separate reimbursement claims.
• DF Star (Rede D'Or São Luiz)standardTechnology or IntegrationDF Star (part of Rede D'Or São Luiz hospital network) is included in the ASSEFAZ Diamante plan network, providing access to the D'Or hospital network in the Federal District.
• Clube BenminorGTM or Marketing PartnerExclusive discount club offering over 350 benefits from major brands including Renner, Samsung, Vivara, and Casas Bahia. Available to Assefaz Social beneficiaries, offering coupons and cashback in categories including health, beauty, education, and sporting goods.
• INLAB (Grupo Fleury)coreTechnology or IntegrationLaboratory partnership for ASSEFAZ clinic in São Luís/MA, part of the Grupo Fleury network, providing clinical laboratory services.
• ANS - Agência Nacional de Saúde SuplementarflagshipOthersASSEFAZ operates under ANS (National Supplementary Health Agency) regulation. Plans are registered with ANS, and rate adjustments are filed through the RPC system (Reajuste de Planos Coletivos). Coverage follows the ANS Rol de Procedimentos e Eventos em Saúde.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Amil: Large Brazilian health plan operator with national reach across individual, family, and collective segments. Directly comparable as a Direct Health and Medical Insurance Carrier under ANS, competing with ASSEFAZ for premium and standard tiers.
• Hapvida NotreDame Intermedica: Largest vertically integrated health insurer in Brazil, operating health plans and an owned provider network nationally. Comparable as a direct health/medical insurance carrier serving individuals and employer groups under ANS regulation; ASSEFAZ competes in the same supplementary health insurance category with a narrower, public-servant-focused niche.
• SulAmérica Saúde: Major Brazilian health insurer offering individual, family, and collective plans nationwide. Competes with ASSEFAZ in the collective (group) health plan segment and overlaps in serving federal public servants and corporate accounts.
• Bradesco Saúde: One of Brazil's largest group health insurers, deeply entrenched in employer-sponsored and collective agreements. Comparable to ASSEFAZ's collective-agreement model serving employee populations, often via convenios.
• Unimed: Brazil's largest cooperative health system with hundreds of local Unimed operators offering individual and collective plans. Competes with ASSEFAZ in the collective health plan space and overlaps with ASSEFAZ's national provider network strategy.
• NotreDame Intermedica: Major Brazilian health plan operator with strong presence in collective and corporate segments, now part of Hapvida. Comparable as a broad-market alternative to ASSEFAZ's collective plans for public servants.

Direct peers

• CASSI (Caixa de Assistência dos Funcionários do Banco do Brasil): Nonprofit health care assistance entity for Banco do Brasil employees, operating a self-funded model and own provider network. Highly comparable to ASSEFAZ as a foundation-style nonprofit health plan restricted to employees of a specific federal/state-linked institution.
• GEAP Saúde: Self-managed health plan for federal public servants across multiple government bodies, structured as a nonprofit foundation. Direct peer to ASSEFAZ in targeting public servants through collective agreements under ANS regulation.
• Postal Saúde: Health plan operator for employees of Correios (Brazilian Post Office), offering collective plans to a specific public employer base. Closely comparable to ASSEFAZ in serving a single federal public employer through collective agreements.

Others

• FUNCEF (Fundação dos Economiários Federais): Closed pension and benefits foundation serving federal savings bank employees. Comparable as a peer foundation serving a defined federal employee constituency, though focused on pension/welfare rather than active health insurance underwriting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/assefaz---funda-o-assistencial-dos-servidores-do-minist-rio-da-fazenda

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 ASSEFAZ - Fundação Assistencial dos Servidores do Ministério da Fazenda