Abepom

Name

Abepom

Legal name

Associação Beneficente dos Militares Estaduais de Santa Catarina - ABEPOM

Website

https://abepom.com.br

Company type

Private

Founded year

1993

Operating status

Operating

Ownership category

akta.pro rank

Product category

Military Member Benefits and Welfare Services

NAICS

Health and Welfare Funds (525120), Professional Employer Organizations (561330), Offices of Dentists (621210)

SIC

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

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industry

Medicaid/Community-Focused DSOs (HLABAKAM)

Keywords

• Military benefits association
• Member health plans
• Dental clinic services
• Telemedicine platform
• Military member discounts

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices15 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Membership Fees: Monthly membership fees charged to military personnel, firefighters, civil servants, and ABEPOM employees, deducted directly from payroll (desconto em folha). Fee amounts vary by rank and classification as defined by the Board of Administration.
2. Health Plan Intermediation: Facilitates health insurance plans (Unimed, TempoMed, Plano Saúde São José, Pladisa, PoliSaude) to members, earning referral/commission revenue from partner operators.
3. Convenio Discounts: Manages a network of discounts with partnered pharmacies, optics, clinics, and services. Revenue derived from administrative fees charged to participating providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

ABEPOM is a non-profit association providing health, dental, financial, and social welfare benefits exclusively to state military personnel (Polícia Militar de Santa Catarina) and firefighters (Corpo de Bombeiros Militar de Santa Catarina) and their dependents. Core offerings include intermediated health insurance plans (Unimed, TempoMed, Plano Saúde São José, Pladisa, PoliSaude), 12 owned CliniPOM dental and health clinics, 24/7 telemedicine via the NAV app, transit hotels, partner discounts, legal aid, and emergency financial assistance, all financed via monthly payroll-deducted membership fees.

Product overview

ABEPOM is a non-profit association serving military state personnel (police and firefighters) of Santa Catarina and their families. The organization offers a unified benefits platform combining member services including the Minha ABEPOM portal and mobile app for account management, the NAV telemedicine platform for 24/7 digital healthcare, the Clinipom dental and health clinics network, transit hotels for medical travel accommodation, and an online discount directory (Guia Online) and benefits club. Through partnerships, members also access health insurance plans (Unimed, TempoMed, Plano São José, Pladisa, PoliSaude), private pension (ABEPOMprev), insurance (FG Seguros), telephony, gym/wellness (WellHub), and educational discounts (SESC/SENAC). The association operates through its own clinics, service points in military units, and partner networks across Santa Catarina.

Differentiator

Problem solved

Functional benefit

Brands

• NAV: Telemedicine application providing 24-hour digital urgent care, specialist consultations, and therapies for ABEPOM members and their dependents.
• Minha ABEPOM
• ABEPOMprev
• ABEPOMprev

Products and services

• ABEPOM Mobile

Quantifiable outcome

• R$ 5,000 death benefit for associate, R$ 4,000 for dependent
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eleven partnerships are on record, tiered flagship, core and minor.

• Unimed Grande FlorianópolisflagshipStrategic or Co-development Partner · 30 August 1971Health insurance partnership offering regional, state, and national coverage plans with hospitalization (apartment or ward) and copayment options. Unimed is the first cooperative in the Unimed System created in Santa Catarina, established August 30, 1971. Plans include reimbursement benefits, FEA (Assistance Extension Fund), and Viver Bem project access.
• TempoMedcoreStrategic or Co-development PartnerHealth plan partnership with Ideal and Safira plans offering primary care focus with own physician network (no copayment for family doctor consultations), 6 own units, and 24-hour telemedicine. Plans include copayment of 30-50% with procedure caps.
• Plano Saúde São JosécoreStrategic or Co-development PartnerRegional health plan covering southern Santa Catarina (Criciúma area) with 530+ physicians, 40+ physiotherapy clinics, 70+ laboratories, 15 imaging clinics, 10+ hospitals. Free 24-hour telemedicine and Viva Club benefits program.
• Pladisa Planos de SaúdecoreStrategic or Co-development PartnerHealth plan from Videira, SC operating 28+ years with coverage in 100+ municipalities across SC and PR. 2,000+ credentialed professionals, direct WhatsApp/telephone communication without 0800.
• Poli SaúdeminorStrategic or Co-development PartnerHealth plan serving Pato Branco and southwest Paraná region for 30+ years. 200+ specialist physicians, 9 hospitals, telemedicine with 20+ specialties, and Abramge national emergency coverage.
• WellHub (formerly GymPass)coreGTM or Marketing PartnerFitness and wellness partnership providing access to gyms, studios, yoga, meditation apps, and wellness activities. Evolution from gym-only access to comprehensive well-being hub.
• SESC/Fecomércio SCcoreGTM or Marketing PartnerPartnership providing access to SESC units across Santa Catarina including gyms, sports, hotels, tourism, cultural events, courses. Up to 50% discount on SENAC course tuition.
• ABEPOMprevcoreGTM or Marketing PartnerPrivate pension plan partnership (administered by MaisFuturo) providing retirement savings and long-term financial security for members.
• FG SeguroscoreGTM or Marketing PartnerSpecialized insurance for military category including life, residence, and automobile coverage. 24-hour emergency line available.
• CooperCompany (formerly InterStar)minorGTM or Marketing PartnerTelephony partnership (started 2019) now as first telecommunications and technology cooperative in Brazil. Offers mobile plans from TIM, VIVO, and CLARO with payroll deduction convenience.
• HPM - Hospital da Polícia Militar Comandante Lara RibasflagshipStrategic or Co-development PartnerPolice Military Hospital affiliated through ABEPOM, serving security professionals, dependents, and general public. 60 physicians, 27 specialties, 27 beds, 24-hour emergency care for ages 15+. Major healthcare infrastructure partner.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GEAP Saude: Health plan and welfare organization for Brazilian public servants, structured as a self-managed fund. Comparable to ABEPOM in providing health benefits to a defined public-employee population via membership model.
• Postal Saude: Brazilian closed-system health plan operator for Correios (postal workers) employees and dependents. Closely comparable to ABEPOM in operating a benefit/managed-care system for a defined public-sector employee population using payroll deduction and partner clinics.
• Cassi: Caixa de Assistencia dos Funcionarios do Banco do Brasil - a welfare/healthcare fund for Banco do Brasil employees and dependents. Operates a near-identical model to ABEPOM: pooled contributions, dedicated healthcare delivery, partner network, and member services.
• Odontoprev: Brazil's largest dental DSO/plan operator, running a multi-state dental clinic and plan network. Direct comparable to ABEPOM's CliniPOM dental clinic business, though operating at much larger scale and across geographies.

Regional players

• Confederacao Nacional dos Militares do Brasil (CNMB): National confederation representing Brazilian military personnel and their associations across states. Conceptually adjacent to ABEPOM's mission of aggregating benefits and representation for military members, though operating as an advocacy body rather than a benefits provider.

Broad incumbents

• FUSEX / FUNSA: Fundacao de Saude dos Militares / similar Brazilian federal military health funds serving armed forces personnel. Adjacent model to ABEPOM, though at federal rather than state level, providing comparable health and welfare services to military members.
• SulAmerica Saude: Large Brazilian health/insurance operator with group, individual, and corporate plans. Comparable to ABEPOM as a comprehensive health benefits provider, though operating as a commercial insurer rather than a member association.
• Hapvida NotreDame Intermedica: Vertically integrated Brazilian health plan operator with owned clinics, hospitals, and diagnostic units. Comparable to ABEPOM in combining plan intermediation with owned healthcare delivery infrastructure, though at far larger scale.
• Unimed: Brazil's largest cooperative health plan operator and ABEPOM's flagship partner. While ABEPOM distributes Unimed plans, Unimed itself operates a comparable closed-population health model (medical cooperatives) at national scale.

Others

• FenaSaude: Federation representing supplementary health operators in Brazil. Industry-association counterpart that overlaps thematically with ABEPOM's role as a benefit-aggregating association for a defined member population.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ABEPOM?ref=embed_page
• Instagraminstagram.com/abepom
• LinkedInlinkedin.com/company/abepomsc

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Abepom