{"id":245265,"date":"2022-04-07T15:40:06","date_gmt":"2022-04-07T15:40:06","guid":{"rendered":"https:\/\/compareplanodesaude.com.br\/blog-saude\/?p=245265"},"modified":"2024-04-05T15:07:24","modified_gmt":"2024-04-05T15:07:24","slug":"cobertura-parcial-temporaria","status":"publish","type":"post","link":"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-parcial-temporaria\/","title":{"rendered":"Saiba Tudo sobre Cobertura Parcial Tempor\u00e1ria"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"245265\" class=\"elementor elementor-245265\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4c704a23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c704a23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3ec8e5b7\" data-id=\"3ec8e5b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74a4fa4d elementor-widget elementor-widget-heading\" data-id=\"74a4fa4d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Saiba Tudo sobre Cobertura Parcial Tempor\u00e1ria\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c2b93b2 elementor-widget elementor-widget-text-editor\" data-id=\"1c2b93b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Voc\u00ea sabe o<\/span> <span style=\"font-weight: 400\">que \u00e9 <\/span><b>cobertura parcial tempor\u00e1ria<\/b><span style=\"font-weight: 400\">? Muitas pessoas possuem d\u00favidas, e <\/span><span style=\"font-weight: 400\">foi pensando nisso que a Compare reuniu neste post todas as eventuais d\u00favidas que voc\u00ea possa ter em rela\u00e7\u00e3o \u00e0 CPT.<\/span><\/p><p><span style=\"font-weight: 400\">Confira neste conte\u00fado exclusivo da Compare tudo o que voc\u00ea precisa saber sobre esse tema, como funciona e muito mais.<\/span><\/p><p><span style=\"font-weight: 400\">Contrate um plano de sa\u00fade com a <\/span><b>Compare <\/b><span style=\"font-weight: 400\">e garanta um <\/span><b>desconto especial<\/b><span style=\"font-weight: 400\"> na sua mensalidade, aproveite!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-137477e elementor-widget elementor-widget-global elementor-global-242293 elementor-widget-shortcode\" data-id=\"137477e\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"242286\" class=\"elementor elementor-242286\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33f31982 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33f31982\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6361af9b\" data-id=\"6361af9b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-32bc14c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32bc14c3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1769c93d\" data-id=\"1769c93d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70a51f39 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"70a51f39\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/blog-saude\/cotacao-online\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-edit\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M402.3 344.9l32-32c5-5 13.7-1.5 13.7 5.7V464c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V112c0-26.5 21.5-48 48-48h273.5c7.1 0 10.7 8.6 5.7 13.7l-32 32c-1.5 1.5-3.5 2.3-5.7 2.3H48v352h352V350.5c0-2.1.8-4.1 2.3-5.6zm156.6-201.8L296.3 405.7l-90.4 10c-26.2 2.9-48.5-19.2-45.6-45.6l10-90.4L432.9 17.1c22.9-22.9 59.9-22.9 82.7 0l43.2 43.2c22.9 22.9 22.9 60 .1 82.8zM460.1 174L402 115.9 216.2 301.8l-7.3 65.3 65.3-7.3L460.1 174zm64.8-79.7l-43.2-43.2c-4.1-4.1-10.8-4.1-14.8 0L436 82l58.1 58.1 30.9-30.9c4-4.2 4-10.8-.1-14.9z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cota\u00e7\u00e3o Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5b81a28b\" data-id=\"5b81a28b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f215507 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"6f215507\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/api.whatsapp.com\/send?phone=5511955913910&#038;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">WhatsApp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1b5efb76\" data-id=\"1b5efb76\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-465ae346 desconto-form elementor-widget elementor-widget-wpforms\" data-id=\"465ae346\" data-element_type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-76780\"><form id=\"wpforms-form-76780\" class=\"wpforms-validate wpforms-form\" data-formid=\"76780\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/blog-saude\/wp-json\/wp\/v2\/posts\/245265\" data-token=\"eec3b8cbe1a65d96798712909425d525\" data-token-time=\"1778298581\"><div class=\"wpforms-head-container\"><div class=\"wpforms-title\">Garanta o seu Desconto de at\u00e9 40%<\/div><\/div><noscript class=\"wpforms-error-noscript\">Ative o JavaScript no seu navegador para preencher este formul\u00e1rio.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-76780-field_16-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"16\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_16\">Nome <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-76780-field_16\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][16]\" placeholder=\"Insira seu nome\" required><\/div><div id=\"wpforms-76780-field_2-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"2\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_2\">E-mail <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-76780-field_2\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][2]\" placeholder=\"Insira seu E-mail\" spellcheck=\"false\" required><\/div>\t\t<div id=\"wpforms-76780-field_1-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"1\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-76780-field_1\" >pretendido Valor do<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-76780-field_1\" class=\"wpforms-field-medium\" name=\"wpforms[fields][1]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-76780-field_6-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"6\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_6\">Celular <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-76780-field_6\" class=\"wpforms-field-large wpforms-field-required wpforms-masked-input\" data-rule-inputmask-incomplete=\"1\" data-inputmask-mask=\"((99) 9999-9999[9][9][9]|+99 999999-999[9][9][9])\" name=\"wpforms[fields][6]\" placeholder=\"Celular com (DDD)\" required><\/div><div id=\"wpforms-76780-field_22-container\" class=\"wpforms-field wpforms-field-html textGarantaP\" data-field-id=\"22\"><div id=\"wpforms-76780-field_22\">Escolha o tipo do plano<\/div><\/div><div id=\"wpforms-76780-field_13-container\" class=\"wpforms-field wpforms-field-select wpforms-conditional-trigger wpforms-field-select-style-classic\" data-field-id=\"13\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_13\">Tipo do plano <span class=\"wpforms-required-label\">*<\/span><\/label><select id=\"wpforms-76780-field_13\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][13]\" required=\"required\"><option value=\"\" class=\"placeholder\" disabled  selected='selected'>Tipo de Plano<\/option><option value=\"Individual\"  class=\"choice-1 depth-1\"  >Individual<\/option><option value=\"MEI\"  class=\"choice-5 depth-1\"  >MEI<\/option><option value=\"Empresarial\"  class=\"choice-4 depth-1\"  >Empresarial<\/option><option value=\"Familiar\"  class=\"choice-3 depth-1\"  >Familiar<\/option><option value=\"S\u00eanior\"  class=\"choice-2 depth-1\"  >S\u00eanior<\/option><\/select><\/div><div id=\"wpforms-76780-field_17-container\" class=\"wpforms-field wpforms-field-html textAvisoCNPJ wpforms-conditional-field wpforms-conditional-show\" data-field-id=\"17\" style=\"display:none;\"><div id=\"wpforms-76780-field_17\"><p>Possu\u00ed CNPJ? Economize at\u00e9 40% e acesse os melhores planos de sa\u00fade!<\/p><\/div><\/div><div id=\"wpforms-76780-field_18-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-field wpforms-conditional-show\" data-field-id=\"18\" style=\"display:none;\"><label class=\"wpforms-field-label wpforms-label-hide\">Possui CNPJ? <span class=\"wpforms-required-label\">*<\/span><\/label><ul id=\"wpforms-76780-field_18\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-76780-field_18_1\" name=\"wpforms[fields][18]\" value=\"Sim\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-76780-field_18_1\">Sim<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-76780-field_18_2\" name=\"wpforms[fields][18]\" value=\"N\u00e3o\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-76780-field_18_2\">N\u00e3o<\/label><\/li><\/ul><\/div><div id=\"wpforms-76780-field_20-container\" class=\"wpforms-field wpforms-field-html textGarantaP\" data-field-id=\"20\"><div id=\"wpforms-76780-field_20\">Quanto deseja investir por m\u00eas no seu conv\u00eanio?<\/div><\/div><div id=\"wpforms-76780-field_19-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"19\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_19\">Valor mensal pretendido <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-76780-field_19\" class=\"wpforms-field-large wpforms-field-required wpforms-masked-input\" data-rule-inputmask-incomplete=\"1\" data-inputmask-mask=\"R$9[9][9][9][9][9][9],00\" name=\"wpforms[fields][19]\" placeholder=\"Insira o valor por m\u00eas\" required><\/div><div id=\"wpforms-76780-field_21-container\" class=\"wpforms-field wpforms-field-html textTermos\" data-field-id=\"21\"><div id=\"wpforms-76780-field_21\">Ao continuar, voc\u00ea aceita os <a href=\"https:\/\/compareplanodesaude.com.br\/politica-de-privacidade\" target=\"_blank\" style=\"color: #fff; text-decoration: underline;\">Termos e Condi\u00e7\u00f5es.<\/a><\/div><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-76780-field_1-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-76780-field_1-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-76780-field_1-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"76780\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-json\/wp\/v2\/posts\/245265\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-76780\" class=\"wpforms-submit form-btn\" data-alt-text=\"Solicitando...\" data-submit-text=\"Garanta seu desconto\" aria-live=\"assertive\" value=\"wpforms-submit\">Garanta seu desconto<\/button><\/div><\/form><\/div>  <!-- .wpforms-container -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-28bb5ad0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"28bb5ad0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f2bb017 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"f2bb017\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-12fc75ca indiceitem elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12fc75ca\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7152cf0\" data-id=\"7152cf0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-433e522 elementor-widget elementor-widget-table-of-contents\" data-id=\"433e522\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;no_headings_message&quot;:&quot;N\\u00e3o foram encontrados cabe\\u00e7alhos nesta p\\u00e1gina.&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSum\u00e1rio\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__433e522\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dee9b6a elementor-align-justify elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"6dee9b6a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/blog-saude\/cotacao-online\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cota\u00e7\u00e3o Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17691105 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"17691105\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/api.whatsapp.com\/send?phone=5511964929380&#038;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Whatsapp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-458b7cc\" data-id=\"458b7cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8382ed4 elementor-widget elementor-widget-text-editor\" data-id=\"8382ed4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>O Que \u00c9 Cobertura Parcial Tempor\u00e1ria E Como Funciona?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-945dff3 videoSize elementor-widget elementor-widget-video\" data-id=\"945dff3\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=xG5cRH48iwE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a4fcbb2 elementor-widget elementor-widget-heading\" data-id=\"4a4fcbb2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O Que \u00c9 Cobertura E Cobertura Parcial Tempor\u00e1ria? (CPT)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68062cc2 elementor-widget elementor-widget-image\" data-id=\"68062cc2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"792\" height=\"395\" src=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/o-que-e-cobertura-parcial-temporaria-cpt.jpg\" class=\"attachment-large size-large wp-image-245280\" alt=\"o que \u00e9 cobertura parcial tempor\u00e1ria (CPT)\" srcset=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/o-que-e-cobertura-parcial-temporaria-cpt.jpg 792w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/o-que-e-cobertura-parcial-temporaria-cpt-300x150.jpg 300w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/o-que-e-cobertura-parcial-temporaria-cpt-768x383.jpg 768w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/o-que-e-cobertura-parcial-temporaria-cpt-150x75.jpg 150w\" sizes=\"(max-width: 792px) 100vw, 792px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-287a07b1 elementor-widget elementor-widget-text-editor\" data-id=\"287a07b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Na hora de contratar um plano de sa\u00fade voc\u00ea vai se deparar com diversas informa\u00e7\u00f5es envolvendo acomoda\u00e7\u00e3o, abrang\u00eancia, coberturas e car\u00eancias.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Nessas horas, um dos assuntos que costumam gerar muitas d\u00favidas nos contratantes \u00e9 a <\/span><b>cobertura parcial tempor\u00e1ria<\/b><span style=\"font-weight: 400;\"> (CPT).<\/span><\/p><p><span style=\"font-weight: 400;\">Quando se fala em car\u00eancia e cobertura, \u00e9 fundamental compreender as regras da ANS, para avaliar se est\u00e1 tudo certo no contrato ofertado pela operadora e garantir a melhor escolha para a sua sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400;\">A\u00a0 <\/span><b>cobertura parcial tempor\u00e1ria<\/b><span style=\"font-weight: 400;\"> \u00e9 o per\u00edodo em que a operadora n\u00e3o cobre procedimentos de alta complexidade relacionados a doen\u00e7as ou les\u00f5es preexistentes \u00e0 ades\u00e3o do conv\u00eanio m\u00e9dico.<\/span><\/p><h2><span style=\"font-weight: 400;\">O Que S\u00e3o Doen\u00e7as Ou Les\u00f5es Preexistentes (DlP)?<\/span><\/h2><p><span style=\"font-weight: 400;\">\u00c9 importante esclarecer o que s\u00e3o doen\u00e7as ou les\u00f5es preexistentes. Tratam-se de complica\u00e7\u00f5es ou disfun\u00e7\u00f5es de sa\u00fade que o cliente ou seu representante j\u00e1 tem conhecimento no momento da contrata\u00e7\u00e3o de um plano.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">No ato da contrata\u00e7\u00e3o, a operadora poder\u00e1 solicitar o preenchimento de uma declara\u00e7\u00e3o de sa\u00fade, para registrar informa\u00e7\u00f5es sobre doen\u00e7as ou les\u00f5es das quais os clientes j\u00e1 saibam em rela\u00e7\u00e3o a si ou seus dependentes.<\/span><\/p><p><span style=\"font-weight: 400;\">Al\u00e9m disso, para o preenchimento deve-se utilizar linguagem simples, sem uso de termos t\u00e9cnicos e, se o benefici\u00e1rio sentir dificuldade em faz\u00ea-lo, a operadora dever\u00e1 indicar um m\u00e9dico credenciado para auxili\u00e1-lo.<\/span><\/p><h2><span style=\"font-weight: 400;\">Tenha Cuidado Com Omiss\u00e3o No Preenchimento Da Declara\u00e7\u00e3o De Sa\u00fade<\/span><\/h2><p><span style=\"font-weight: 400;\">Sendo obrigat\u00f3rio o preenchimento da declara\u00e7\u00e3o, o consumidor deve informar as doen\u00e7as ou les\u00f5es preexistentes, ou seja, aquelas que j\u00e1 tenha conhecido por meio de um laudo m\u00e9dico.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Caso o consumidor omita, a atitude ser\u00e1 considerada fraude e poder\u00e1 ter como consequ\u00eancia a suspens\u00e3o ou rescis\u00e3o do contrato.<\/span><\/p><p><span style=\"font-weight: 400;\">Caso haja omiss\u00e3o de doen\u00e7a e les\u00e3o preexistente na declara\u00e7\u00e3o de sa\u00fade na ades\u00e3o do plano privado, a operadora poder\u00e1 solicitar abertura de processo administrativo junto \u00e0 ANS e ao final ser favor\u00e1vel \u00e0 operadora.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Neste caso, os gastos com eventos cir\u00fargicos, uso de leitos de alta tecnologia e procedimentos complexos ficar\u00e3o por conta do consumidor.<\/span><\/p><h2><span style=\"font-weight: 400;\">Qual A Diferen\u00e7a Entre Cobertura Parcial Tempor\u00e1ria E Car\u00eancia?<\/span><\/h2><p><span style=\"font-weight: 400;\">Segundo as regras da <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/noticias\/ans-divulga-planos-com-comercializacao-suspensa\/\"><b>ANS<\/b><\/a><span style=\"font-weight: 400;\">, a operadora \u00e9 obrigada a cobrir todos os procedimentos previstos no Rol de Procedimentos em Sa\u00fade, de acordo com a segmenta\u00e7\u00e3o contratada, desde que cumpridos os prazos de car\u00eancia.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Nos casos de CPT, h\u00e1 restri\u00e7\u00e3o tempor\u00e1ria de cobertura, para os Procedimentos de Alta Complexidade (PAC) e cir\u00fargicos, objetos de CPT, relacionado \u00e0 doen\u00e7as ou les\u00f5es preexistentes (DLP) declarada.<\/span><\/p><p><span style=\"font-weight: 400;\">As car\u00eancias s\u00e3o um per\u00edodo em que o benefici\u00e1rio n\u00e3o poder\u00e1 utilizar determinadas coberturas previstas no contrato. A CPT \u00e9 uma restri\u00e7\u00e3o da cobertura.<\/span><\/p><p><span style=\"font-weight: 400;\">Ou seja, mesmo que o benefici\u00e1rio tenha cumprido a car\u00eancia de 180 dias para cirurgias, ele n\u00e3o ter\u00e1 o procedimento coberto pelo plano, caso ele esteja relacionado \u00e0 doen\u00e7a preexistente.<\/span><\/p><p><span style=\"font-weight: 400;\">A grande diferen\u00e7a \u00e9 que os procedimentos que n\u00e3o sejam complexos, com leitos de alta tecnologia ou cir\u00fargicos devem ser cobertos pelo plano normalmente, desde que j\u00e1 tenha sido cumprida a car\u00eancia normal.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Al\u00e9m disso, ap\u00f3s decorrido o prazo da CPT estipulada no contrato, o benefici\u00e1rio do plano passa a contar com a cobertura integral tamb\u00e9m em rela\u00e7\u00e3o ao problema preexistente.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f6bf24 elementor-widget elementor-widget-text-editor\" data-id=\"5f6bf24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Como Funcionam Os Prazos De Cobertura Parcial Tempor\u00e1ria?<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ac4b39 elementor-widget elementor-widget-image\" data-id=\"5ac4b39\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"792\" height=\"395\" src=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/prazos-de-cobertura-parcial-temporaria-cpt.jpg\" class=\"attachment-large size-large wp-image-245281\" alt=\"como funcionam os prazos de cobertura parcial tempor\u00e1ria?\" srcset=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/prazos-de-cobertura-parcial-temporaria-cpt.jpg 792w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/prazos-de-cobertura-parcial-temporaria-cpt-300x150.jpg 300w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/prazos-de-cobertura-parcial-temporaria-cpt-768x383.jpg 768w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/prazos-de-cobertura-parcial-temporaria-cpt-150x75.jpg 150w\" sizes=\"(max-width: 792px) 100vw, 792px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9caff2e elementor-widget elementor-widget-text-editor\" data-id=\"9caff2e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">O prazo m\u00e1ximo que pode ser fixado para essa cobertura \u00e9 de 24 meses, contados a partir da data de contrata\u00e7\u00e3o ou ades\u00e3o ao plano.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">De acordo com as normas da ANS, se o plano foi contratado diretamente pela empresa ou estipulado pela Administradora de Benef\u00edcios com, no m\u00ednimo, 30 benefici\u00e1rios, a operadora n\u00e3o pode exigir o cumprimento da CPT.<\/span><\/p><p><span style=\"font-weight: 400\">Se o empregado solicitar o seu ingresso em at\u00e9 30 dias, contados da assinatura do seu contrato ou vincula\u00e7\u00e3o com a empresa.<\/span><\/p><p><span style=\"font-weight: 400\">Por outro lado, os contratos que forem feitos com menos de 30 participantes n\u00e3o est\u00e3o inclu\u00eddos nessa regra, permitindo que a operadora exija o cumprimento de CPT.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Da mesma forma acontece com os funcion\u00e1rios que aderirem ao plano ap\u00f3s 30 dias do seu contrato.<\/span><\/p><h2><span style=\"font-weight: 400\">Alternativas Para Doen\u00e7as E Les\u00f5es Preexistentes<\/span><\/h2><p><span style=\"font-weight: 400\">Existem duas maneiras de assegurar o consumidor de que ele ter\u00e1 o atendimento necess\u00e1rio diante de uma situa\u00e7\u00e3o que envolve doen\u00e7as e les\u00f5es previamente conhecidas. S\u00e3o elas:<\/span><\/p><h3><span style=\"font-weight: 400\">Agravo<\/span><\/h3><p><span style=\"font-weight: 400\">O agravo \u00e9 um acr\u00e9scimo na mensalidade para atender necessidades que envolvam eventos cir\u00fargicos, leitos de alta tecnologia e procedimentos de alta complexidade relacionados \u00e0s doen\u00e7as e les\u00f5es preexistentes.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">As pessoas que optarem pelo agravo ter\u00e3o cobertura m\u00e9dica sem limites para tratar a doen\u00e7a ap\u00f3s os prazos de car\u00eancia serem cumpridos.<\/span><\/p><h3><span style=\"font-weight: 400\">Cobertura Parcial Tempor\u00e1ria<\/span><\/h3><p><span style=\"font-weight: 400\">Esta modalidade de contrata\u00e7\u00e3o se caracteriza por um per\u00edodo de at\u00e9 24 meses em que o benefici\u00e1rio n\u00e3o ter\u00e1 cobertura para aquelas doen\u00e7as e les\u00f5es preexistentes declaradas.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Durante o per\u00edodo, eventos cir\u00fargicos, leitos de alta tecnologia e procedimentos de alta complexidade poder\u00e3o n\u00e3o ser cobertos.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">No entanto, consultas e exames de acompanhamento estar\u00e3o cobertos de acordo com as quest\u00f5es contratuais e com o tipo de plano contratado. E, quando passarem os 24 meses, a cobertura ser\u00e1 integral.<\/span><\/p><h2><span style=\"font-weight: 400\">O Que S\u00e3o Procedimentos De Alta Complexidade?<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd59f45 elementor-widget elementor-widget-image\" data-id=\"cd59f45\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"398\" src=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/procedimentos-alta-complexidade-cpt-1024x510.png\" class=\"attachment-large size-large wp-image-245282\" alt=\"quais s\u00e3o os procedimentos de alta complexidade na cpt?\" srcset=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/procedimentos-alta-complexidade-cpt-1024x510.png 1024w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/procedimentos-alta-complexidade-cpt-300x150.png 300w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/procedimentos-alta-complexidade-cpt-768x383.png 768w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/procedimentos-alta-complexidade-cpt-1536x766.png 1536w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/procedimentos-alta-complexidade-cpt-150x75.png 150w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2022\/04\/procedimentos-alta-complexidade-cpt.png 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cbd18b elementor-widget elementor-widget-text-editor\" data-id=\"5cbd18b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Os Procedimentos De Alta Complexidade parecem ser algo bastante incomum e que nunca teremos contato, justamente por causa do nome, por\u00e9m, s\u00e3o tranquilos e bastante realizados no dia a dia, e n\u00e3o s\u00f3 nos casos mais graves.<\/span><\/p><p><span style=\"font-weight: 400;\">Durante nossa vida, provavelmente realizaremos alguns como forma de: preven\u00e7\u00e3o, diagn\u00f3stico ou terap\u00eautica. Ent\u00e3o, n\u00e3o \u00e9 um bicho de sete cabe\u00e7as ou algo muito longe da realidade.<\/span><\/p><p><span style=\"font-weight: 400;\">Os procedimentos de alta complexidade tem esse nome apenas porque precisam de tecnologia de ponta e alto custo para serem realizados.<\/span><\/p><h2><span style=\"font-weight: 400;\">Quais S\u00e3o Os Procedimentos De Alta Complexidade?<\/span><\/h2><p><span style=\"font-weight: 400;\">Confira quatro procedimentos de alta complexidade que a Ag\u00eancia Nacional de Sa\u00fade Suplementar elencou como os mais frequentes:<\/span><\/p><h3><span style=\"font-weight: 400;\">Tomografia computadorizada<\/span><\/h3><p><span style=\"font-weight: 400;\">A tomografia \u00e9 bem semelhante ao raio-x, por ser tamb\u00e9m um exame de imagem, por\u00e9m ela mostra detalhes mais precisos de partes internas do corpo.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">A tomografia computadorizada \u00e9 recomendada a paciente para verificar diagn\u00f3stico de c\u00e2ncer, AVC (Acidente Vascular Cerebral) e tamb\u00e9m de les\u00f5es ortop\u00e9dicas.<\/span><\/p><h3><span style=\"font-weight: 400;\">Resson\u00e2ncia magn\u00e9tica\u00a0<\/span><\/h3><p><span style=\"font-weight: 400;\">A resson\u00e2ncia magn\u00e9tica tamb\u00e9m \u00e9 um exame de imagem que atua captando mais detalhes com alta defini\u00e7\u00e3o do interior do corpo do paciente.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Ela \u00e9 indicada para investigar prov\u00e1veis doen\u00e7as card\u00edacas, abdominais, cervicais, neurol\u00f3gicas ou ortop\u00e9dicas.<\/span><\/p><h3><span style=\"font-weight: 400;\">Hemodi\u00e1lise\u00a0<\/span><\/h3><p><span style=\"font-weight: 400;\">A hemodi\u00e1lise \u00e9 feita em pacientes com insufici\u00eancia renal cr\u00f4nica. Utilizando uma m\u00e1quina como um \u201crim artificial&#8221; para o sangue ser filtrado e subst\u00e2ncias ruins, como a creatinina e a ureia serem eliminadas do corpo.\u00a0<\/span><\/p><h2><span style=\"font-weight: 400;\">Quais S\u00e3o Os Planos De Sa\u00fade Que Cobrem CPT?<\/span><\/h2><p><span style=\"font-weight: 400;\">A maioria dos planos possui cobertura para CPT, apesar de ter um tempo de car\u00eancia mais elevado, se o paciente aguardar este per\u00edodo, poder\u00e1 utiliz\u00e1-lo.<\/span><\/p><p><span style=\"font-weight: 400;\">Operadoras como, Bradesco, Amil, GNDI NotreDame Interm\u00e9dica, Unimed e muitas outras possuem planos de sa\u00fade com cobertura para CPT.<\/span><\/p><h2><span style=\"font-weight: 400;\">Como Funciona A Cobertura Parcial Tempor\u00e1ria Em Planos Empresariais?<\/span><\/h2><p><span style=\"font-weight: 400;\">A empresa contratante est\u00e1 livre da <\/span><b>cobertura parcial tempor\u00e1ria<\/b><span style=\"font-weight: 400;\">, caso o contrato possua 30 ou mais vidas, ou o funcion\u00e1rio solicite o ingresso dentro do prazo de 30 dias.<\/span><\/p><p><span style=\"font-weight: 400;\">Fora esses requisitos, \u00e9 poss\u00edvel que a empresa tenha que esperar o prazo definido j\u00e1 estabelecido no contrato.<\/span><\/p><h2><span style=\"font-weight: 400;\">Durante A Cobertura Parcial Tempor\u00e1ria Eu N\u00e3o Tenho Direito \u00c0 Cobertura Do Plano De Sa\u00fade?<\/span><\/h2><p><span style=\"font-weight: 400;\">N\u00e3o, uma coisa n\u00e3o interfere na outra, j\u00e1 que cada procedimento possui seu tempo de car\u00eancia. Como, por exemplo, atendimento de urg\u00eancia e emerg\u00eancia pode ser acionado 24 horas ap\u00f3s a contrata\u00e7\u00e3o do plano.<\/span><\/p><p><span style=\"font-weight: 400;\">Sendo assim, os procedimentos s\u00e3o disponibilizados de acordo com o tempo que o cliente cumpre os prazos de car\u00eancias presentes no contrato.<\/span><\/p><h2><span style=\"font-weight: 400;\">O Que \u00c9 Agravo?<\/span><\/h2><p><span style=\"font-weight: 400;\">O agravo \u00e9 um valor que o cliente escolhe pagar a mais nas mensalidades do conv\u00eanio m\u00e9dico. O benefici\u00e1rio pode pagar o agravo para se livrar da CPT e obter a cobertura integral logo ap\u00f3s a ades\u00e3o ao plano de sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400;\">Portanto, a operadora de sa\u00fade pode dar essa op\u00e7\u00e3o ao titular do plano de pagar um agravo e fazer tratamento mesmo cumprindo CPT.<\/span><\/p><h2><span style=\"font-weight: 400;\">Quando O Plano De Sa\u00fade Pode Aplicar A Cobertura Parcial Tempor\u00e1ria?<\/span><\/h2><p><span style=\"font-weight: 400;\">Para utilizar a <\/span><b>Cobertura Parcial Tempor\u00e1ria<\/b><span style=\"font-weight: 400;\">, as operadoras devem comprovar a exist\u00eancia de DLP no ato da ades\u00e3o ao plano de sa\u00fade, al\u00e9m de respeitar o prazo de car\u00eancias.<\/span><\/p><p><span style=\"font-weight: 400;\">O que significa que n\u00e3o h\u00e1 obriga\u00e7\u00e3o de ter cobertura apenas quando o cliente afirma uma doen\u00e7a ou les\u00e3o preexistente no momento da assinatura ou ades\u00e3o a um conv\u00eanio m\u00e9dico.<\/span><\/p><p><span style=\"font-weight: 400;\">Sendo assim, \u00e9 necess\u00e1rio que os planos m\u00e9dicos incluam no contrato um formul\u00e1rio de declara\u00e7\u00e3o de DLP ou exijam que o benefici\u00e1rio realize exames m\u00e9dicos antes de assinar.<\/span><\/p><h2><span style=\"font-weight: 400;\">O Que Acontece Se O Segurado Omitir A DlP?<\/span><\/h2><p><span style=\"font-weight: 400;\">Caso o benefici\u00e1rio n\u00e3o declare alguma doen\u00e7a ou les\u00e3o preexistente, pode ser considerado fraude, o que pode acarretar no cancelamento do plano de sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400;\">Vale lembrar que a operadora tamb\u00e9m pode solicitar judicialmente que o cliente pague pelos procedimentos realizados referentes \u00e0s DIP.<\/span><b><\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d53658f elementor-widget elementor-widget-text-editor\" data-id=\"d53658f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Perguntas Frequentes Sobre Cobertura Parcial Tempor\u00e1ria<\/span><\/h2><p><span style=\"font-weight: 400;\">Selecionamos as maiores d\u00favidas sobre <\/span><b>Cobertura Parcial Tempor\u00e1ria<\/b><span style=\"font-weight: 400;\">, confira logo abaixo todas as perguntas e respostas!<\/span><\/p><h3><span style=\"font-weight: 400;\">Que Fazer Caso A Operadora De Sa\u00fade Viole As Regras Sobre Cobertura Parcial Tempor\u00e1ria?<\/span><\/h3><p><span style=\"font-weight: 400;\">Se o benefici\u00e1rio tiver seu tratamento negado pela operadora em termos indevidos, ele pode acionar um advogado e recorrer ao Direito \u00e0 Sa\u00fade e Direitos do Consumidor e garantir a cobertura das despesas m\u00e9dicas.<\/span><\/p><p><span style=\"font-weight: 400;\">Caso o cliente possua necessidade urgente de come\u00e7ar o procedimento, ele pode requerer ou tutela antecipada, um aval liberado rapidamente, para evitar que a dura\u00e7\u00e3o da a\u00e7\u00e3o piore ou prejudique a sa\u00fade do segurado.<\/span><\/p><h3><span style=\"font-weight: 400;\">A Portabilidade Especial De Car\u00eancias Isenta O Benefici\u00e1rio De Cumprir Car\u00eancia E Cobertura Parcial Tempor\u00e1ria Em Todos Os Casos?<\/span><\/h3><p><span style=\"font-weight: 400;\">N\u00e3o. O benefici\u00e1rio que estiver cumprindo <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/perguntas-frequentes\/carencia-plano-de-saude\/\"><b>car\u00eancia<\/b><\/a><span style=\"font-weight: 400;\"> ou <\/span><b>cobertura parcial tempor\u00e1ria<\/b><span style=\"font-weight: 400;\"> no plano de origem pode exercer a portabilidade especial de car\u00eancias.<\/span><\/p><p><span style=\"font-weight: 400;\">Por\u00e9m, \u00e9 importante lembrar que o cliente deve respeitar o que falta cumprir dos per\u00edodos de car\u00eancia ou <\/span><b>Cobertura Parcial Tempor\u00e1ria<\/b><span style=\"font-weight: 400;\">, conforme o caso.<\/span><\/p><h3><span style=\"font-weight: 400;\">Caso Eu Esteja Cumprindo Per\u00edodo De Cobertura Parcial Tempor\u00e1ria (CPT), Se Eu Realizar A Adapta\u00e7\u00e3o Ou A Migra\u00e7\u00e3o De Contrato, Deverei Continuar Cumprindo Essa CPT?<\/span><\/h3><p><span style=\"font-weight: 400;\">Sim, voc\u00ea dever\u00e1 continuar a cumprir a CPT no contrato adaptado ou no novo contrato at\u00e9 o final do prazo estipulado no contrato de origem, limitado a 24 meses contando da sua data de ingresso no contrato de origem.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00c9 v\u00e1lido tanto para os atendimentos que j\u00e1 eram cobertos pelo contrato de origem, como para os novos procedimentos, cobertos a partir da adapta\u00e7\u00e3o ou da migra\u00e7\u00e3o, desde que sejam relacionados \u00e0 DIS que motivou a CPT.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400;\">O Que Acontece Caso A Doen\u00e7a Ou Les\u00e3o Preexistente N\u00e3o Seja Informada Na Declara\u00e7\u00e3o De Sa\u00fade?<\/span><\/h3><p><span style=\"font-weight: 400;\">Como dito anteriormente, se o benefici\u00e1rio n\u00e3o declarar sua doen\u00e7a ou les\u00e3o preexistente pode ser considerado fraude e isso \u00e9 motivo para cancelamento do conv\u00eanio m\u00e9dico.<\/span><\/p><p><span style=\"font-weight: 400;\">A operadora tamb\u00e9m pode solicitar que o cliente pague pelos procedimentos realizados.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400;\">Qual \u00c9 O Prazo M\u00e1ximo Da Cobertura Parcial Tempor\u00e1ria?<\/span><\/h3><p><span style=\"font-weight: 400;\">O prazo m\u00e1ximo que a operadora pode solicitar para a <\/span><b>cobertura parcial tempor\u00e1ria<\/b><span style=\"font-weight: 400;\"> \u00e9 de 24 meses, contados a partir da ades\u00e3o do conv\u00eanio.\u00a0<\/span><\/p><h2><span style=\"font-weight: 400;\">Conclus\u00e3o<\/span><\/h2><p><span style=\"font-weight: 400;\">Depois desse nosso conte\u00fado voc\u00ea ainda est\u00e1 com d\u00favidas sobre a <\/span><b>cobertura parcial tempor\u00e1ria<\/b><span style=\"font-weight: 400;\">? Entre em contato com os consultores da Compare que eles tirar\u00e3o todas suas d\u00favidas!<\/span><\/p><p><span style=\"font-weight: 400;\">A <\/span><b>Compare <\/b><span style=\"font-weight: 400;\">\u00e9 a corretora recordista em crescimento, atuando e sendo refer\u00eancia na \u00e1rea de plano de sa\u00fade, plano odontol\u00f3gico e plano de sa\u00fade para animais.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Entre em <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/golden-cross\/contato\/\"><b>contato com um dos nossos consultores<\/b><\/a><span style=\"font-weight: 400;\"> e contrate o seu novo plano de sa\u00fade com descontos especiais.<\/span><\/p><p><b>Compare, contrate e economize<\/b><b>!<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3bf8fbcc\" data-id=\"3bf8fbcc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-328d3c73 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"328d3c73\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"236985\" class=\"elementor elementor-236985\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b2ee69f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b2ee69f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-603ab5f5\" data-id=\"603ab5f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57e84170 elementor-widget elementor-widget-heading\" data-id=\"57e84170\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Promo\u00e7\u00f5es mensais com at\u00e9 40% de desconto<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3271fc4a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3271fc4a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/compareplanodesaude.com.br\/promocoes-planos-de-saude\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Promo\u00e7\u00f5es do m\u00eas<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18468020 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18468020\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b9b0940\" data-id=\"2b9b0940\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a0f0b53 elementor-widget elementor-widget-heading\" data-id=\"7a0f0b53\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Fale agora com um especialista em plano de sa\u00fade<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-680efabc elementor-align-center elementor-widget elementor-widget-button\" data-id=\"680efabc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/api.whatsapp.com\/send?phone=5511955913910&#038;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fale agora via WhatsApp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-535dc074 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"535dc074\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-470ca9e8\" data-id=\"470ca9e8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7baf5b0d elementor-widget elementor-widget-heading\" data-id=\"7baf5b0d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Clique e consulte os pre\u00e7os do seu novo plano de sa\u00fade<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f8b7515 elementor-align-center btnwidget elementor-widget elementor-widget-button\" data-id=\"2f8b7515\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-empresarial\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Empresarial<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-231e1869 elementor-align-center btnwidget elementor-widget elementor-widget-button\" data-id=\"231e1869\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/compareplanodesaude.com.br\/mei\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">MEI<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11df290e elementor-align-center btnwidget elementor-widget elementor-widget-button\" data-id=\"11df290e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Individual<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-243a912c elementor-align-center btnwidget elementor-widget elementor-widget-button\" data-id=\"243a912c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Familiar<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-353e8a2 elementor-align-center btnwidget elementor-widget elementor-widget-button\" data-id=\"353e8a2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-senior\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">S\u00eanior<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-121b2c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"121b2c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c55affd\" data-id=\"c55affd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a94543 elementor-widget elementor-widget-global elementor-global-249508 elementor-widget-shortcode\" data-id=\"6a94543\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"249499\" class=\"elementor elementor-249499\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5dc43709 outSum elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5dc43709\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4682cb3e\" data-id=\"4682cb3e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-638544e5 elementor-widget elementor-widget-heading\" data-id=\"638544e5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Fa\u00e7a agora mesmo uma cota\u00e7\u00e3o personalizada com um de nossos especialistas em planos de sa\u00fade e confira as melhores op\u00e7\u00f5es para voc\u00ea. <span style=\"color: #553596\">\u00c9 mais r\u00e1pido, seguro, gratuito e totalmente online!<\/span><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38b27636 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"38b27636\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-721adcf5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"721adcf5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1eed7fc4\" data-id=\"1eed7fc4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43855954 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"43855954\" data-element_type=\"widget\" id=\"btn-whats\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/api.whatsapp.com\/send?phone=5511913593086&#038;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!%20Desejo%20iniciar%20o%20atendimento%20via%20913593086\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Iniciar WhatsApp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2fd07a6c\" data-id=\"2fd07a6c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f04cf0e elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"1f04cf0e\" data-element_type=\"widget\" id=\"btn-chat\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/cotacao-online\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-comments\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M532 386.2c27.5-27.1 44-61.1 44-98.2 0-80-76.5-146.1-176.2-157.9C368.3 72.5 294.3 32 208 32 93.1 32 0 103.6 0 192c0 37 16.5 71 44 98.2-15.3 30.7-37.3 54.5-37.7 54.9-6.3 6.7-8.1 16.5-4.4 25 3.6 8.5 12 14 21.2 14 53.5 0 96.7-20.2 125.2-38.8 9.2 2.1 18.7 3.7 28.4 4.9C208.1 407.6 281.8 448 368 448c20.8 0 40.8-2.4 59.8-6.8C456.3 459.7 499.4 480 553 480c9.2 0 17.5-5.5 21.2-14 3.6-8.5 1.9-18.3-4.4-25-.4-.3-22.5-24.1-37.8-54.8zm-392.8-92.3L122.1 305c-14.1 9.1-28.5 16.3-43.1 21.4 2.7-4.7 5.4-9.7 8-14.8l15.5-31.1L77.7 256C64.2 242.6 48 220.7 48 192c0-60.7 73.3-112 160-112s160 51.3 160 112-73.3 112-160 112c-16.5 0-33-1.9-49-5.6l-19.8-4.5zM498.3 352l-24.7 24.4 15.5 31.1c2.6 5.1 5.3 10.1 8 14.8-14.6-5.1-29-12.3-43.1-21.4l-17.1-11.1-19.9 4.6c-16 3.7-32.5 5.6-49 5.6-54 0-102.2-20.1-131.3-49.7C338 339.5 416 272.9 416 192c0-3.4-.4-6.7-.7-10C479.7 196.5 528 238.8 528 288c0 28.7-16.2 50.6-29.7 64z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Chat Online <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1615e4fc\" data-id=\"1615e4fc\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3da953e7 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3da953e7\" data-element_type=\"widget\" id=\"btn-cotacao\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/cotacao-online\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cotar Online 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Muitas pessoas possuem d\u00favidas, e foi pensando nisso que a Compare reuniu neste post todas as eventuais d\u00favidas que voc\u00ea possa ter em rela\u00e7\u00e3o \u00e0 CPT. Confira neste conte\u00fado exclusivo da Compare tudo o que voc\u00ea precisa saber sobre esse tema, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[118],"tags":[],"class_list":["post-245265","post","type-post","status-publish","format-standard","hentry","category-duvidas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O Que \u00c9 Cobertura Parcial Tempor\u00e1ria E Como Funciona<\/title>\n<meta name=\"description\" content=\"A Cobertura Parcial Tempor\u00e1ria \u00e9 o per\u00edodo em que a operadora n\u00e3o cobre procedimentos de alta complexidade.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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