Afrafep Health

What Afrafep Health does

Afrafep Saúde is a self-managed health plan operator (operadora de saúde em autogestão) run by the Associação dos Auditores Fiscais do Estado da Paraíba (AFRAFEP), a civil association founded in 1991 and domiciled in João Pessoa, Brazil. The plan provides health coverage exclusively to active and retired state tax auditors of Paraíba and their dependents under the Afrafep Saúde Plus Nacional product, with monthly contributions (cotas) calculated to recover healthcare expenses plus administrative costs and additional coparticipation fees applied to most outpatient procedures. Healthcare delivery is anchored by the owned Centro Médico Auditor Gilvandro Sales, a 20-room medical center in João Pessoa housing a Pain Treatment and Rehabilitation Unit (Unidade de Tratamento e Reabilitação da Dor Auditor Sílvio Freire), supplemented by branch offices in Campina Grande and Patos. Beyond core coverage, the operator runs chronic disease management (PGDC), home care (SAD), a wellness/sports incentive program (Saúde e Ação, ANS-registered in 2019), vaccination campaigns, and seasonal awareness initiatives.

The technology stack is conventional rather than differentiated: iOS and Android mobile apps for scheduling, authorizations, virtual card access and exam results; a WhatsApp service channel with automated protocol generation; a web portal for beneficiary access; an online contribution simulator; a provider portal with XML submission for authorizations; and a results-delivery portal (Logicmed). Revenue is generated from cost-share contributions and coparticipation fees, with no external equity or venture funding — the entity is governed by its member-association board under Quintiliano Bezerra as President. The 2022 CASSI reciprocity partnership extends effective national network coverage outside Paraíba under ANS regulation RN 137/2006, though direct in-Paraíba service remains anchored to the owned Centro Médico. The operator is ANS-registered, LGPD-compliant, certified as a Great Place to Work for nine consecutive years, and received an Excellence in IDSS recognition from UNIDAS at its 17th national seminar.

Name

Afrafep Health

Legal name

Associação dos Auditores Fiscais do Estado da Paraíba

Website

https://afrafepsaude.com.br

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1–10 employees

Short description

Afrafep Saúde is a self-managed Brazilian health plan operated by the Association of Tax Auditors of Paraíba, providing medical coverage, an owned 20-room medical center, home care, and chronic disease programs exclusively to state tax auditors and their dependents.

Ownership category

akta.pro rank

Product category

Healthcare Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Misc Health & Allied Services, Nec (8090)

akta.pro industry

PRIMARYHLAEAKAL

PBM Technology Platforms (ePA/eRx/Real-Time Benefit Tools)

Healthcare & Life Sciences/Health Insurance & Managed Care/Pharmacy Benefit Management (PBM)

SECONDARYHLAJAHAM

Consent, Documentation & Certification (Records/Passports/Proof of Vaccination)

Healthcare & Life Sciences/Public Health, Government & Regulators/Immunization Programs & Vaccine Administration

Keywords

• Health insurance
• Healthcare services
• Medical assistance
• Health plan operator
• Healthcare administration

Headquarters

HQ city

Centro

HQ country

Brazil

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Monthly Contribution (Cota): The contribution (cota) is calculated monthly based on total healthcare coverage expenses and administrative costs, which are split among all beneficiaries. This is a cost-sharing model typical of self-managed health plans (operadoras de autogestão).
2. Coparticipation Fees: Beneficiaries pay coparticipation fees for certain procedures such as consultations and exams. Hospital admissions do not incur coparticipation charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

No source-attributed description of Afrafep Health's core offerings was provided in the input; specifics cannot be emitted without a resolvable source ID.

Product overview

Afrafep Saúde operates as a self-managed health insurance plan for fiscal auditors in Paraíba, Brazil, offering the Afrafep Saúde Plus Nacional as its core product with national coverage through a CASSI partnership. The company provides healthcare through its owned Centro Médico Auditor Gilvandro Sales, which includes a Pain Treatment and Rehabilitation Unit, along with home care services (SAD), chronic disease management (PGDC), and wellness programs (Saúde e Ação). Digital services include a mobile app, provider portal, medical guide, and contribution simulator. The portfolio is unified under the Afrafep Saúde brand, with services delivered through owned facilities and a contracted provider network.

Differentiator

Problem solved

Functional benefit

Brands

• Centro Médico Auditor Gilvandro Sales: Medical center operated by Afrafep Saúde featuring 20 consultation rooms with multiple medical specialties and services.
• Unidade de Tratamento e Reabilitação da Dor Auditor Sílvio Freire
• Conexão Afrafep

Quantifiable outcome

• 100%+ increase in preventive exams during October Rosa campaign
• +1 more outcomes

Named customers2 records

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered moderate, minor and core.

• FEBRAFITEmoderateStrategic or Co-development Partner · 14 May 2026National federation of tax auditor associations. Afrafep president participates in strategic meetings on the future of health plans for fiscal sector employees.
• ImunekidsminorGTM or Marketing Partner · 1 May 2026Vaccination partnership providing Herpes Zoster vaccine with special pricing and facilitated payment conditions for beneficiaries aged 50+.
• UNIDAS NacionalcoreStrategic or Co-development Partner · 16 April 2026National association representing self-managed health operators in Brazil. Afrafep participates in seminars, earns recognition for quality performance (IDSS), and engages in collective strategy development.
• UNIDAS ParaíbacoreStrategic or Co-development Partner · 30 January 2026State-level association of self-managed health operators in Paraíba. Afrafep participates in assemblies and technical commissions for joint strategic planning, protocol development, and coordinated governance among member organizations.
• CASSI (Caixa de Assistência dos Servidores do Banco do Brasil)coreStrategic or Co-development Partner · 29 July 2022Reciprocity partnership allowing Afrafep beneficiaries to access CASSI's national provider network outside Paraíba state. The partnership enables national coverage for beneficiaries traveling outside their home state, operating under ANS regulations (RN 137/2006). Beneficiaries are subject to CASSI's authorization rules and administrative processes.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• CASSI (Caixa de Assistência dos Funcionários do Banco do Brasil): CASSI is Brazil's largest self-managed health plan operator, serving Banco do Brasil employees and their dependents under the same autogestão model as Afrafep. It is also Afrafep's national reciprocity partner, making it the most directly comparable peer by both business model and operational relationship.
• Postal Saúde: Postal Saúde is a self-managed health plan operator for Correios (Brazilian postal service) employees and dependents. It mirrors Afrafep's autogestão structure, public-sector beneficiary base, and national network ambitions.
• FUNCEF Saúde (FUNCEF - Fundação dos Economiários Federais): FUNCEF operates a self-managed health plan for Caixa Econômica Federal employees and dependents. It is structurally identical to Afrafep's model - closed membership, cost-sharing contributions, ANS-regulated autogestão operator.
• Geap Autogestão em Saúde: Geap is one of Brazil's largest autogestão health plan operators serving public-sector employees. It shares Afrafep's self-management cost-sharing model and dependence on a closed member base, making it a directly comparable structural peer.

Broad incumbents

• Hapvida NotreDame Intermédica: Hapvida NotreDame Intermédica is one of Brazil's largest integrated health plan operators with owned hospitals and clinics. It represents the vertically integrated, scaled alternative to Afrafep's smaller vertical model and competes for the same Northeast Brazil market.
• Bradesco Saúde: Bradesco Saúde is a major commercial health plan operator in Brazil owned by Bradesco Seguros. It competes for higher-income segments of the same beneficiary population with broader provider networks and digital tools.
• SulAmérica Saúde: SulAmérica Saúde is a large commercial health plan operator in Brazil offering individual, family, and corporate plans. It competes with Afrafep for member retention among higher-income professionals seeking broader network access.
• Unimed (national cooperative system): Unimed is Brazil's largest medical cooperative network, operating health plans across the country. While Unimed is a cooperative rather than a closed self-managed plan, it competes for the same beneficiary population with broader networks and commercial pricing.
• Amil (UnitedHealth Group Brasil): Amil is a major commercial health plan operator in Brazil owned by UnitedHealth Group, offering individual and corporate plans nationwide. It is a scaled competitor that pressures autogestão operators on network breadth and digital experience.

Others

• UNIDAS (União Nacional das Instituições de Autogestão em Saúde): UNIDAS is the national trade association representing Brazilian self-managed health plan operators including Afrafep. It is an industry body rather than a competitor, but it is highly relevant for benchmarking IDSS performance and identifying partnership/expansion opportunities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@conexaoafrafep
• Facebookfacebook.com/Afrafepsaude

Compliance4 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 Afrafep Health