Fondo FASDA

What Fondo FASDA does

Fondo FASDA (legal name: FASDA Fondo integrativo di Assistenza Sanitaria per i Dipendenti dei servizi Ambientali) is a non-profit, paritarian supplementary health fund based in Rome, Italy, that provides total or partial coverage of healthcare costs complementary to the Italian National Health Service (SSN). It serves workers employed by companies applying the CCNL Assoambiente or CCNL Utilitalia collective labor agreements, spanning the environmental services (waste management, street cleaning, cemetery services) and utility services sectors. The fund is jointly governed by employer associations (Utilitalia, Assoambiente) and trade unions (Fp Cgil, Fit Cisl, Uiltrasporti, Fiadel), with membership automatically activated through employer enrollment rather than individual opt-in.

The fund operates three core plans: Piano Sanitario Lavoratori for active workers, Piano Sanitario Familiari for dependents, and Piano Sanitario Pensionati for retirees and cohabiting family members up to age 80. These are supplemented by modules including telemonitoring (Monitor Salute), annual preventive check-ups, maternity coverage, dental implants, critical illness lump sums, psychological counseling, medically assisted reproduction, and international second opinions via Best Doctors. Healthcare delivery is outsourced to UniSalute's nationwide affiliated provider network, with claims processing and chronic disease monitoring handled by SiSalute. Members access services through a dedicated portal (portale.fasda.it) integrated with UniSalute's platform and app, plus a phone support line.

Funding flows from mandatory employer contributions mandated by the two CCNLs; individual members do not pay separate premiums. The fund operates with a lean staff of 10 employees and supplements its core health offering with non-insurance programs including a merit-based scholarship program (Bando Borse di Studio) run with Susan G. Komen Italia and a disability support initiative (Progetto Dopo di Me). A separate Federculture subdomain hints at potential expansion into the cultural sector workforce. The fund is GDPR-compliant, with a Data Protection Officer appointed for processing of special-category health data.

Name

Fondo FASDA

Legal name

FASDA Fondo integrativo di Assistenza Sanitaria per i Dipendenti dei servizi Ambientali C.F. 97793370582

Website

https://fasda.it

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Fondo FASDA is a non-profit, paritarian supplementary health fund in Italy that provides healthcare coverage to workers covered by the CCNL Assoambiente and CCNL Utilitalia collective agreements, as well as their families and pensioners. Services are delivered through UniSalute's provider network and a member portal.

Ownership category

akta.pro rank

Product category

Supplementary Health Insurance

NAICS

Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

akta.pro secondary industries

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Disease-Specific & Condition-Specific Critical Illness (e.g., Cancer, Heart/Stroke) (FSAIAKAH)

Keywords

• Supplementary health fund
• Occupational health coverage
• Collective bargaining healthcare
• Nonprofit health insurance
• Employee health benefits

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Employer contributions via CCNL: The fund operates as a non-profit supplementary health fund financed through mandatory employer contributions on behalf of workers covered by the CCNL Assoambiente or CCNL Utilitalia collective agreements. Companies pay contributions to enroll their employees in the fund.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

Fondo FASDA is a non-profit paritarian supplementary health fund that provides total or partial coverage of healthcare costs to workers in Italy's environmental and funeral services sectors covered by the CCNL Assoambiente or CCNL Utilitalia collective agreements, their dependents, and pensioners up to age 80. It finances coverage through mandatory employer contributions and delivers services through three core health plans (Lavoratori, Familiari, Pensionati) covering high-specialization diagnostics, specialist visits, SSN ticket reimbursements, dental care, physiotherapy, critical illness, maternity, vision, and preventive care, administered via the UniSalute affiliated provider network.

Product overview

Fondo FASDA is an integrated supplemental health fund for employees of the environmental and funeral services sectors whose companies apply the CCNL Assoambiente or CCNL Utilitalia collective agreements. The fund operates as a multi-plan portfolio centered on three core health insurance products: Piano Sanitario Lavoratori for active workers, Piano Sanitario Familiari for dependents, and Piano Sanitario Pensionati for retirees and their cohabiting family members up to age 80. These plans are administered through the UniSalute provider network and are supplemented by a suite of add-on modules including Monitor Salute (telemonitoring for chronic conditions via SiSalute), Pacchetto Prevenzione (annual health check-ups), Pacchetto Maternità, Critical Illness coverage, Counseling Psicologico (24/7 helpline), Procreazione Medicalmente Assistita, Diagnosi Comparativa (Best Doctors international second opinions), reimbursement programs for SSN tickets, glasses/lenses, implants, vaccinations, and the Dopo di Me disability support project. Members access services through the Area Riservata member portal, the UniSalute platform and app, and a dedicated call center. The fund also manages a scholarship program (Bando Borse di Studio) for members' children in partnership with Fondazione Susan G. Komen Italia.

Differentiator

Problem solved

Functional benefit

Products and services

• Piano Sanitario Lavoratori

Quantifiable outcome

• Full reimbursement of SSN tickets with no annual limit
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• UniSalutecoreTechnology or IntegrationUniSalute is the primary healthcare service provider managing the network of affiliated facilities for Fondo FASDA. They handle service delivery including direct payment to providers, appointment booking, and claims processing. The partnership covers all major health services including high-specialization diagnostics, specialist visits, dental care, and physiotherapy.
• SiSalutecoreTechnology or IntegrationSiSalute is a division of UniSalute Servizi S.r.l. that provides the Monitor Salute service for Fondo FASDA, offering remote monitoring of chronic conditions (asthma, COPD, hypertension, type 2 diabetes) through connected medical devices and periodic health check-ups for members aged 40 and above.
• Susan G. Komen ItaliaminorGTM or Marketing PartnerFondo FASDA partners with Susan G. Komen Italia for breast cancer awareness and prevention initiatives. The fund supports the Race for the Cure event and offers scholarships (Bando Massimiliano Baldelli) in collaboration with the foundation for children of enrolled members.
• Utilitalia (founding partner)coreStrategic or Co-development PartnerUtilitalia is one of the founding employer associations of Fondo FASDA, representing companies in the utility services sector covered by CCNL Utilitalia. Together with Assoambiente, they co-govern the fund on the employer side.
• Assoambiente (founding partner)coreStrategic or Co-development PartnerAssoambiente is one of the founding employer associations of Fondo FASDA, representing companies in the environmental services sector. Together with Utilitalia, they co-govern the fund on the employer side.
• Fp Cgil (founding partner)coreStrategic or Co-development PartnerFp Cgil is one of the founding labor union partners of Fondo FASDA, representing workers in the environmental and utility sectors. Together with Fit Cisl, Uiltrasporti, and Fiadel, they co-govern the fund on the worker side.
• Fit Cisl (founding partner)coreStrategic or Co-development PartnerFit Cisl is one of the founding labor union partners of Fondo FASDA, representing workers in the transportation and environmental sectors. Together with Fp Cgil, Uiltrasporti, and Fiadel, they co-govern the fund on the worker side.
• Uiltrasporti (founding partner)coreStrategic or Co-development PartnerUiltrasporti is one of the founding labor union partners of Fondo FASDA, representing workers in the transportation and environmental sectors. Together with Fp Cgil, Fit Cisl, and Fiadel, they co-govern the fund on the worker side.
• Fiadel (founding partner)coreStrategic or Co-development PartnerFiadel is one of the founding labor union partners of Fondo FASDA, representing workers in the environmental services sector. Together with Fp Cgil, Fit Cisl, and Uiltrasporti, they co-govern the fund on the worker side.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Others

• UniSalute: Fondo FASDA's primary service delivery partner (Unipol Group), but also operates its own direct supplementary health products and serves multiple other Italian casse sanitarie. Listed as OTHERS given its role as a partner rather than a competing fund, though it is the most operationally entangled entity in the same value chain.

Broad incumbents

• Allianz Italia: Major Italian insurer with a sizeable group health and supplementary benefits portfolio serving corporate clients. Overlaps with FASDA at the employer-sponsored health benefit level, but offers its products as a commercial insurer rather than a non-profit casse.
• Generali Italia: Italy's largest insurance group, offering a broad portfolio of individual and group health, accident, and critical illness products. Competes with FASDA at the broader employer-sponsored health benefit level, but does not replicate the paritarian CCNL-anchored casse model.

Direct peers

• Insieme Salute: Italian casse di assistenza sanitaria integrativa serving multiple CCNL populations with pooled supplementary health benefits. Comparable in product scope (supplementary reimbursement plans) and member model to Fondo FASDA.
• Fondo QuAS: Italian supplementary health fund for workers in the distribution and services sectors under the CCNL Commercio. Uses the same mandatory contribution, paritarian governance, and UniSalute-style service delivery model as Fondo FASDA.
• Fondo Est: Italian CCNL-based supplementary health fund for workers in the commerce, tertiary, and services sectors. Operates on the same bilateral employer-union governance model with mandatory employer contributions, making it a structurally identical peer to Fondo FASDA.
• Fondo Sanilog: Italian supplementary health fund for logistics, transport, and shipping workers under CCNL Logistica. Directly comparable to FASDA in serving a sector-specific worker pool through CCNL-mandated contributions and union-employer governance.
• Fondo Metasalute: Italian supplementary health fund for metalworking sector workers under CCNL Metalmeccanici. Operates the same CCNL-anchored, paritarian, employer-funded supplementary health model as Fondo FASDA in a different industrial vertical.
• RBM Salute (Previmedical Group): Italian supplemental health insurance provider serving corporate and CCNL-based funds. Directly competes with UniSalute as a third-party administrator for Italian casse sanitarie, offering an alternative delivery model to FASDA's UniSalute-only stack.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubem.youtube.com/channel/UCOQgMnr3z9SZ6EjEqZHfTXA
• Facebookfacebook.com/FondoFASDA
• LinkedInlinkedin.com/company/fondo-fasda
• Instagraminstagram.com/fondo_fasda

Compliance1 record

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 Fondo FASDA