APREFA - Associação dos Servidores Públicos Municipais de Porto Alegre

What APREFA - Associação dos Servidores Públicos Municipais de Porto Alegre does

APREFA — Associação dos Servidores Públicos Municipais de Porto Alegre — is a nonprofit membership association founded on April 23, 2003, that serves current and former employees of the Municipal Prefecture of Porto Alegre (Rio Grande do Sul, Brazil) and their dependents. Its core service portfolio consists of two product pillars: a 24/7 funeral assistance program (Assistência Funeral) covering body transport up to 200 km, burial or cremation, complete funeral ceremony, chapel rental, and full bureaucratic handling via a 24-hour Central de Atendimento (0800.702.1303); and group life insurance (Seguro de Vida em Grupo) covering death from any cause (MQC), personal accidents, and permanent disability, with monthly lottery prizes of R$5,000 for four winners. The association also distributes the Seguro Premiável personal accident plan (R$27/month, ages 15–70, with a weekly R$25,000 Federal Lottery prize), which is underwritten by partner EZZE Seguros.

The association operates as a service aggregator rather than a primary insurer or care provider. Telemedicine (Telemedicina 24Hs) is delivered through partner VITAL HELP Benefícios Ltda. via WhatsApp video calls, with digital prescriptions validated by the CREMERS-RS platform; legal guidance in civil law matters is provided in-house as a free member benefit; and funeral services are executed by a network of partner funeral homes (empresas funerárias conveniadas). A PET protection service was launched in 2025 alongside the telemedicine product, extending the portfolio beyond human-centric insurance into companion-animal services. APREFA discloses no proprietary technology platform, mobile app, or digital member portal — member management relies on standard business tools, phone, WhatsApp, and in-person contact at its headquarters at Av. Borges de Medeiros 410, 8° andar, Porto Alegre.

The business model is subscription-based, charging monthly membership fees (R$27/participant for the headline plan) with up to three dependents covered at the same price. Distribution is direct-to-consumer: members enroll by phone, WhatsApp, or in-person, and ongoing service is delivered through the same channels plus a multi-line contact center. Governance is membership-based under Diretora-Presidente Sra. Cleci Maria Jurach and Diretor Administrativo Sr. Leonardo Aita Neto, with no external investors, no funding rounds, and no disclosed financial statements.

Name

APREFA - Associação dos Servidores Públicos Municipais de Porto Alegre

Legal name

Associação dos Servidores Públicos Municipais de Porto Alegre

Website

https://aprefa.com.br

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

APREFA is a Porto Alegre-based nonprofit membership association founded in 2003 that provides group life insurance, 24/7 funeral assistance, telemedicine, and free legal guidance to municipal public servants and pensioners of Porto Alegre, Brazil.

Ownership category

akta.pro rank

Product category

Mutual Benefit Association Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120), Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Final Expense / Burial Life Insurance (FSAIABAF), Accident Medical Expense Insurance (Supplemental Accident) (FSAIALAE), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

Keywords

• Membership association services
• Group life insurance
• Funeral assistance
• Telemedicine consultations
• Mutual benefit association

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Infrastructure, Others

Revenue model

1. Membership Fees: APREFA generates revenue through monthly membership fees from associates. The primary membership fee is R$ 27,00 per month for the Seguro Premiável plan. Additional revenue comes from group life insurance and funeral assistance services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

APREFA is a non-profit membership association that provides group life insurance, 24/7 funeral assistance, telemedicine, free legal guidance, and pet protection services to municipal public servants and pensioners of Porto Alegre. Members pay a monthly fee (R$ 27.00 for the Seguro Premiável plan) to access bundled insurance and assistance benefits, with coverage including burial/cremation logistics, death-from-any-cause life insurance, weekly and monthly lottery prizes, and unlimited video medical consultations.

Product overview

APREFA is a membership-based association offering a portfolio of insurance and assistance services for municipal public servants in Porto Alegre. The core offerings center on Funeral Assistance (24/7 coverage) and Group Life Insurance (MQC coverage for death from any cause). Additional services include a Premium Insurance plan with lottery prizes, 24-hour Telemedicine for video consultations, PET protection services, and free legal orientation in civil law. The association acts as an intermediary between members and partner providers including EZZE Seguros and Vital Help Benefícios.

Differentiator

Problem solved

Functional benefit

Products and services

• Assistência Funeral (Funeral Assistance) 24/7 funeral assistance service for APREFA members and their families. Handles all bureaucratic and financial matters upon death, including body transport up to 200 km, burial or cremation, complete funeral ceremony (coffin, flowers, hearse, documentation, registry), chapel rental at municipal facilities, and respect for religious/creed preferences. Coordinated through 24-hour call center (0800.702.1303).
• Seguro de Vida em Grupo (Group Life Insurance) Group life insurance covering death from any cause (MQC - Morte por Qualquer Causa), personal accidents, and permanent disability due to accident. Includes monthly lottery benefits of R$ 5,000.00 for four winners per month. Available to APREFA members.
• Seguro Premiável (Premium Insurance Plan) Personal accident insurance plan with weekly lottery prize of R$ 25,000 via Federal Lottery. Includes APREFA Funeral Assistance with cremation option. Backed by EZZE Seguros. Monthly cost: R$ 27.00 per participant. Age eligibility: 15 to 70 years. Members can add up to 3 dependents at the same price.
• Telemedicina 24Hs (24-Hour Telemedicine) 24-hour telemedicine service providing medical consultations with general practitioners and specialists via video calls through WhatsApp. No app installation required; accessible via smartphone, desktop, or notebook. Digital prescriptions and medical certificates validated through CREMERS-RS platform. Members can include up to 3 dependents at the same price.
• PET - Proteção e Segurança (Pet Protection and Security) Pet protection and security service offered to APREFA members and their families, covering pets of associated municipal servants.
• Orientação Jurídica (Legal Guidance)

Quantifiable outcome

• 4 monthly lottery prizes of R$ 5,000.00 each, plus weekly R$ 25,000 prize through Federal Lottery for Seguro Premiável members

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• EZZE SeguroscoreTechnology or IntegrationEZZE Seguros provides the insurance backing for the Seguro Premiável plan offered by APREFA. This partnership guarantees the lottery prizes and insurance benefits for members. The plan includes life insurance (Morte por qualquer causa), personal accident coverage, and funeral assistance with cremation option.
• VITAL HELP BENEFÍCIOS LTDA.coreTechnology or IntegrationVital Help provides 24-hour telemedicine (Telesaúde24h) services to APREFA members. Services include medical consultations with general practitioners and specialists via video calls through WhatsApp. Medical prescriptions and certificates are issued digitally and validated through CREMERS-RS platform.
• Partner Funeral CompaniescoreChannel Partner/ Reseller/ DistributorAPREFA maintains partnerships with funeral companies (empresas funerárias conveniadas) that execute funeral services when a member passes away. The Central de Atendimento (0800.702.1303) coordinates with these partner funeral homes to provide complete funeral services including transport, ceremony, burial or cremation.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• MetLife Brasil: MetLife Brasil offers group life, accident, and voluntary benefits to employer clients across Brazil. It overlaps with APREFA's group life (MQC), personal accident, and group benefit offerings, though at a national corporate-broker scale rather than as a municipal-servant association.
• SulAmérica: SulAmérica is a major Brazilian insurance carrier offering health, life, and group benefits. It competes in the same group health and life segments APREFA serves, and could be considered as an alternative provider for the same municipal employee base.
• Hapvida NotreDame Intermédica: Hapvida is one of Brazil's largest health insurance and managed care operators, with growing telemedicine capabilities. It represents a national-scale alternative for the kind of group health and supplementary medical benefits APREFA bundles for its municipal employee members.
• Zelo Funeral: Zelo (formerly Grupo Zelo) is one of Brazil's largest funeral assistance and pré-pagamento providers, offering funeral plans directly to consumers and through corporate partners. Directly comparable to APREFA's Assistência Funeral product, though at a national rather than municipal scale.
• Caixa Seguros: Caixa Seguros is the insurance arm of Caixa Econômica Federal, offering life, accident, funeral assistance, and other personal lines at national scale. It competes with APREFA in group life and funeral insurance products for Brazilian workers, though it serves the broader market rather than a specific employee association.

Direct peers

• CAPEMISA: CAPEMISA is a Brazilian pension and insurance entity serving employees of Banespa and related public-sector clients with life insurance and benefit products. Comparable to APREFA's life and funeral insurance bundle for a public-sector employee base.
• Postal Saúde: Postal Saúde is the health plan operator for Correios (Brazilian postal service) employees and dependents, providing managed care and supplementary benefits to a defined public-sector workforce — directly comparable in structure to APREFA's municipal-servant membership model.
• CASSI: CASSI is the caixa de assistência (assistance fund) for Banco do Brasil employees, offering health plans and welfare benefits to a defined employee population. It is structurally analogous to APREFA — an employee-targeted association providing insurance and assistance — albeit at a much larger scale.
• GEAP Saúde: GEAP is a Brazilian civil-servant health and welfare assistance foundation providing health plans and related benefits to federal public servants. Like APREFA, it is a member-based organization pooling public-sector employees to deliver group insurance and assistance services.

Emerging players

• Dr. Consulta: Dr. Consulta is a Brazilian digital and in-clinic healthcare network offering affordable medical consultations and exams. Its telemedicine and primary-care delivery model is comparable to the Vital Help-powered Telemedicina service APREFA distributes to its members.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/aprefa

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 APREFA - Associação dos Servidores Públicos Municipais de Porto Alegre