caixa de previdencia dos advogados

Name

caixa de previdencia dos advogados

Legal name

Caixa de Previdência dos Advogados e Solicitadores

Website

https://cpas.org.pt

Company type

Private

Founded year

1947

Operating status

Operating

Short description

Founded in 1947 in Lisbon, Caixa de Previdência dos Advogados e Solicitadores (CPAS) is a self-governing, non-profit mutual benefit institution that delivers mandatory pensions, social security, and insurance coverage to Portuguese lawyers, solicitors, and enforcement agents through a 22-tier contribution system and partner-led service ecosystem.

Ownership category

akta.pro rank

Product category

Professional Pension Fund

NAICS

Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242), Trusts, Estates, and Agency Accounts (52592)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Pension & Institutional Custody (ERISA/Trustee Custody) (FSAFAHAE)

Keywords

• Professional pension fund
• Social protection services
• Income protection insurance
• Permanent medical assistance
• Personal accident insurance

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Contribuições (Contributions): Mandatory monthly contributions from beneficiaries (lawyers, solicitors, enforcement agents) based on a tiered system with 22 contribution levels. The indexante contributivo for 2026 is 670.91€. Beneficiaries can choose their contribution tier from the 5th to 26th level.
2. Rendimentos Patrimoniais (Investment Income): Income from management of financial assets (investment portfolio) and real estate holdings, including rental income from properties in Lisbon and Vila Nova de Gaia.
3. Protocol Fees: Revenue from partnership arrangements with insurance providers (Fidelidade) and other entities, providing insurance products to beneficiaries.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

CPAS is the legally mandated, autonomous social protection institution for Portuguese lawyers, solicitors, and enforcement agents, providing retirement, invalidity, and survival pensions through monthly contributions on a 22-tier system. It bundles three insurance products (income protection, personal accident, and CPAS Virtual Care permanent medical assistance) and extends welfare benefits including parental support, economic hardship assistance, residential rentals, and personal credit regularization through partner protocols.

Product overview

CPAS (Caixa dePrevidência dos Advogados e Solicitadores) is a social protection institution for Portuguese legal professionals offering pension and insurance benefits. The core offering centers on the Portal do Beneficiary digital platform and APP CPAS mobile application, complemented by three main insurance products: Seguro Plano de Proteção de Rendimentos (income protection), Seguro de Acidentes Pessoais (personal accident), and CPAS Virtual Care (permanent medical assistance). Additional offerings include banking protocols with Millennium BCP, insurance protocols with Fidelidade, a beneficiary card for accessing partner networks, real estate rentals in Lisbon and Vila Nova de Gaia, and medical clinic services in four Portuguese cities.

Differentiator

Problem solved

Functional benefit

Products and services

• Portal do Beneficiário (Beneficiary Portal) Private online self-service portal for CPAS beneficiaries to manage contributions, view pension information, access statements, and handle administrative procedures. Available 24/7 to all registered beneficiaries.
• APP CPAS Mobile Application Mobile application for iOS and Android providing beneficiaries access to their CPAS accounts, contribution information, insurance services, and platform features on smartphones and tablets.
• Mandatory Pension and Subsidy System Comprehensive mandatory pension system covering retirement (velhice), invalidity (invalidez), and survival (sobrevivência) benefits for all registered Portuguese lawyers, solicitors, and enforcement agents, funded through monthly tiered contributions and supported by actuarial studies.
• Seguro Plano de Proteção de Rendimentos por Acidente ou Doença (Income Protection Insurance) Income protection insurance providing daily subsidy up to €150/day for beneficiaries in situations of temporary absolute incapacity due to illness or accident. Offered free annually to eligible beneficiaries with regularized contribution status.
• Seguro de Acidentes Pessoais (Personal Accident Insurance) Personal accident insurance covering risks of death and permanent disability up to €35,000. Offered annually to eligible beneficiaries with regularized contribution status.
• CPAS Virtual Care (Permanent Medical Assistance Insurance) Permanent medical assistance insurance with national coverage, including Teladoc Health integration for telemedicine consultations and oncology patient support program. Offered to beneficiaries with regularized contributions.
• Edifício CPAS - Av. Duque d'Ávila (Lisbon Residential Rental) 52-apartment residential building in Lisbon available for rental to beneficiaries, with T0, T1, and T2 typologies, common leisure areas, restaurant, laundry, reception, and security services.
• Empreendimento CPAS - Vila Nova de Gaia Residential Rental Residential and parking development in Vila Nova de Gaia with multiple housing units and 81 covered parking spaces available for rental to beneficiaries.
• Posto Médico CPAS (Medical Clinic Services) Private medical clinics operated by CPAS in Lisbon, Porto, Coimbra, and Funchal providing in-person healthcare services to beneficiaries, complemented by telemedicine through CPAS Virtual Care.
• Cartão de Beneficiário (Beneficiary Card) Beneficiary card enabling access to negotiated protocols with healthcare providers, educational institutions, and leisure services across Portugal, including diagnostic imaging, clinical analysis, private hospital networks, and INATEL leisure facilities.

Quantifiable outcome

• Net positive result of 39,715,994.91€ in 2024, representing 13 million euro improvement over 2023
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• FidelidadecoreStrategic or Co-development Partner · 1 January 2026Insurance partnership providing beneficiaries access to health insurance, senior health insurance, international health insurance, life insurance, work accident insurance (professional, employees, domestic workers), multi-risk office and home insurance, and automobile insurance at special rates.
• AIG EuropecoreStrategic or Co-development Partner · 1 January 2026Provider of income protection insurance (Plano de Proteção de Rendimentos), personal accident insurance, and permanent medical assistance (Virtual Care) offered free to beneficiaries in good standing.
• Teladoc HealthcoreTechnology or Integration · 1 January 2026Telemedicine and health assistance technology integrated into CPAS Virtual Care service, providing beneficiaries with 24/7 access to medical consultations.
• VerlingueminorImplementation/ SI/ Consulting Partner · 1 January 2026Insurance broker providing support to CPAS regarding insurance matters, accessible at [email protected].
• Millennium BCPcoreChannel Partner/ Reseller/ Distributor · 1 January 2026Personal credit protocol for beneficiaries to regularize contribution debts and related interest. Special loan conditions available at any Millennium BCP branch to support contribution payment regularization.
• AffideaminorStrategic or Co-development Partner · 1 January 2026Healthcare provider for diagnostic imaging and clinical analysis services under CPAS beneficiary card protocol.
• CUFminorStrategic or Co-development Partner · 1 January 2026Private hospital network providing medical services to CPAS beneficiaries under preferential protocol rates.
• Hospital Cruz VermelhaminorStrategic or Co-development Partner · 1 January 2026Hospital services available to CPAS beneficiaries under established protocol.
• Instituto dos Registos e do Notariado (IRN)minorStrategic or Co-development Partner · 1 January 2026Protocol for automatic verification of pensioners' proof of life, eliminating need for manual annual verification.
• Fundação INATELminorStrategic or Co-development Partner · 1 January 2025Leisure and cultural benefits protocol providing beneficiaries access to INATEL facilities and services.
• Ordem dos Solicitadores e Agentes de Execução (OSAE)coreStrategic or Co-development Partner · 1 January 2025Professional order representing solicitors and enforcement agents. Partnership for medical post facilities in Coimbra and collaborative initiatives for beneficiary services.
• Conselho Regional da Madeira da Ordem dos AdvogadosminorStrategic or Co-development Partner · 1 January 2023Partnership for establishment of CPAS Clinical Post in Funchal, Madeira Archipelago.

Scale indicators8 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Médis: Portuguese health insurance carrier (part of ageas group) covering the broader population. Comparable to CPAS Virtual Care in health insurance product, but open-market rather than profession-restricted — partial overlap with CPAS beneficiary needs.
• Fidelidade: Portugal's largest insurer and CPAS's strategic insurance partner. Provides the broader insurance catalog (health, life, auto, multirisk) accessed via CPAS protocols — overlap exists for member-level sales, but Fidelidade serves the full market, not just legal professionals.

Direct peers

• Ageas Portugal: Major Portuguese life and non-life insurer offering retirement savings, health, and personal accident products. Competes with CPAS's insurance offerings for the same professional/affluent demographic in Portugal.
• BPI Vida e Pensões: Portuguese life insurance and pension provider offering individual and group retirement plans. Comparable product suite (life, health, savings) and operates in the same regulatory environment with overlapping broker partnerships.
• Mutualidad de la Abogacía: Spanish lawyers' mutual insurance and pension institution. Direct international analog: provides mandatory retirement, invalidity, and survival benefits plus complementary insurance to Spanish legal professionals under a similar solidarity-based model.
• CGA - Caixa Geral de Aposentações: Portuguese state pension scheme for civil servants. Comparable as a Portuguese mandatory pension institution managing retirement and survival benefits, though state-run rather than self-governing — useful for benchmarking CPAS's sustainability metrics.
• Swiss Life Portugal: Portuguese arm of Swiss Life offering life insurance, retirement savings, and investment products. Competes directly with CPAS's life/pension offerings for professional clientele, with similar broker-distribution model.
• Caixa de Previdência dos Engenheiros: Portuguese profession-specific mandatory pension and welfare institution for engineers. Structurally analogous to CPAS: statutory mandate, tiered contributions, bundled insurance, real estate holdings, and self-governance under Decree-Law framework.

Others

• Willis Towers Watson (Portugal): Global actuarial and pensions consulting firm that conducts CPAS's independent sustainability studies. Indirect peer as the outsourced advisory relationship that validates CPAS's actuarial models and reserves adequacy.

Regional players

• CARMF - Caisse Autonome de Retraite des Médecins de France: French mandatory self-employed doctors' pension scheme. Closest international analog to CPAS in operating model (mandatory profession-specific contributions, pay-as-you-go with reserves, bundled welfare), though serving physicians in France.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/caixacpas

Compliance2 records

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 caixa de previdencia dos advogados