{"id":247536,"date":"2022-12-05T14:24:15","date_gmt":"2022-12-05T14:24:15","guid":{"rendered":"https:\/\/compareplanodesaude.com.br\/blog-saude\/?p=247536"},"modified":"2023-05-02T18:10:05","modified_gmt":"2023-05-02T18:10:05","slug":"carencia-de-plano-de-saude-saiba-como-garantir-a-reducao","status":"publish","type":"post","link":"https:\/\/compareplanodesaude.com.br\/blog-saude\/sem-categoria\/carencia-de-plano-de-saude-saiba-como-garantir-a-reducao\/","title":{"rendered":"Car\u00eancia de Plano de Sa\u00fade: Saiba Como Garantir a Redu\u00e7\u00e3o!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"247536\" class=\"elementor elementor-247536\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5149088c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5149088c\" 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-212d5c4b\" data-id=\"212d5c4b\" 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-bb2738c elementor-widget elementor-widget-heading\" data-id=\"bb2738c\" 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\">Car\u00eancia de Plano de Sa\u00fade: O Que \u00e9 e Como Funciona?\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45758c38 elementor-widget elementor-widget-text-editor\" data-id=\"45758c38\" 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\">Entender o que \u00e9 a <\/span><b>car\u00eancia de plano de sa\u00fade <\/b><span style=\"font-weight: 400\">\u00e9 algo fundamental para evitar insatisfa\u00e7\u00e3o ap\u00f3s contratar um conv\u00eanio. Por isso, te explicaremos o que esse termo representa e quais s\u00e3o as regras.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Neste material voc\u00ea poder\u00e1 verificar diversas informa\u00e7\u00f5es, como quais s\u00e3o os principais prazos de car\u00eancia de plano de sa\u00fade e se \u00e9 necess\u00e1rio cumpri-los novamente ap\u00f3s migrar de plano.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Se quiser, aproveite para conhecer outras op\u00e7\u00f5es de conv\u00eanio m\u00e9dico com a Compare e <\/span><b>garanta at\u00e9 40% de desconto na 1\u00aa mensalidade<\/b><span style=\"font-weight: 400\">!<\/span><\/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-50 elementor-top-column elementor-element elementor-element-46ea9ad\" data-id=\"46ea9ad\" 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-2fbf8d22 desconto-form elementor-widget elementor-widget-wpforms\" data-id=\"2fbf8d22\" 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\/247536\" data-token=\"eec3b8cbe1a65d96798712909425d525\" data-token-time=\"1778333784\"><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>\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\" >mensal Possui Valor<\/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_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><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]\" 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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<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-2bca5f25\" data-id=\"2bca5f25\" 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-1c9e48dc elementor-widget elementor-widget-heading\" data-id=\"1c9e48dc\" 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 Car\u00eancia De Plano De Sa\u00fade?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d357977 elementor-widget elementor-widget-text-editor\" data-id=\"7d357977\" 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\">A <\/span><b>car\u00eancia de plano de sa\u00fade<\/b><span style=\"font-weight: 400\"> se refere a um per\u00edodo em que o consumidor precisa aguardar antes de poder come\u00e7ar a utilizar determinados procedimentos da cobertura m\u00e9dica.<\/span><\/p><p><span style=\"font-weight: 400\">Essas informa\u00e7\u00f5es podem e devem ser encontradas em seu contrato e contam com algumas regras, que s\u00e3o gerenciadas pela Ag\u00eancia Nacional de Sa\u00fade Suplementar (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-a-ans\/\"><b>ANS<\/b><\/a><span style=\"font-weight: 400\">).<\/span><\/p><p><span style=\"font-weight: 400\">Um exemplo disso \u00e9 que, <\/span><span style=\"font-weight: 400\">no caso dos conv\u00eanios contratados antes de janeiro de 1999, as regras de car\u00eancia de plano de sa\u00fade obedecem ao que est\u00e1 em cada contrato.<\/span><\/p><p><span style=\"font-weight: 400\">Entretanto, em rela\u00e7\u00e3o aos chamados \u201cplanos novos\u201d, que se sucederam a partir de 2\/01\/1999 ou para aqueles que foram adaptados \u00e0 legisla\u00e7\u00e3o, valem as regras de car\u00eancia estabelecidas na <\/span><a href=\"http:\/\/www.planalto.gov.br\/ccivil_03\/leis\/l9656.htm\" class=\"broken_link\"><b>Lei n\u00ba 9.656\/98<\/b><\/a><span style=\"font-weight: 400\">.<\/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-3c99c23e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3c99c23e\" 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<div class=\"elementor-element elementor-element-15c71769 elementor-widget elementor-widget-heading\" data-id=\"15c71769\" 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\">Como Funciona a Car\u00eancia de Plano de Sa\u00fade?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23e00a9f elementor-widget elementor-widget-text-editor\" data-id=\"23e00a9f\" 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\">Agora que voc\u00ea j\u00e1 sabe o que \u00e9 este termo, est\u00e1 na hora de compreender <\/span><b>como funciona a car\u00eancia nos planos de sa\u00fade<\/b><span style=\"font-weight: 400\">, confira:<\/span><\/p><p><span style=\"font-weight: 400\">Cada operadora pode seguir o tempo de car\u00eancia que deseja, desde que n\u00e3o ultrapasse o per\u00edodo estipulado pela ANS. Ou seja, \u00e9 poss\u00edvel adapt\u00e1-las por meio da redu\u00e7\u00e3o ou isen\u00e7\u00e3o total das mesmas.<\/span><\/p><p><span style=\"font-weight: 400\">Todavia, as prestadoras de servi\u00e7o em sa\u00fade precisam respeitar os per\u00edodos m\u00e1ximos que s\u00e3o definidos pela Ag\u00eancia Nacional de Sa\u00fade Suplementar (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-a-ans\/\"><b>ANS<\/b><\/a><span style=\"font-weight: 400\">), s\u00e3o eles:<\/span><\/p><p>\u00a0<\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Casos de urg\u00eancia e emerg\u00eancia &#8211; <\/span><b>24 horas<\/b><span style=\"font-weight: 400\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Partos a termo &#8211; <\/span><b>300 dias<\/b><span style=\"font-weight: 400\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Demais situa\u00e7\u00f5es &#8211; <\/span><b>180 dias<\/b><span style=\"font-weight: 400\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Cobertura Parcial Tempor\u00e1ria (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-parcial-temporaria\/\"><b>CPT<\/b><\/a><span style=\"font-weight: 400\">) &#8211; <\/span><b>24 meses<\/b><span style=\"font-weight: 400\">;<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400\">Por isso, caso queira conferir qual \u00e9 a lista de car\u00eancia de plano de sa\u00fade da operadora que voc\u00ea est\u00e1 pensando em contratar, saiba que \u00e9 poss\u00edvel por meio de uma <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>consultoria completa e especializada<\/b><\/a><span style=\"font-weight: 400\"> com a Compare.<\/span><\/p><h3><span style=\"font-weight: 400\">A Quem Se Aplicam Os Per\u00edodos De Car\u00eancia?<\/span><\/h3><p><span style=\"font-weight: 400\">Os per\u00edodos de car\u00eancia se aplicam a todos os novos contratantes de um <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\"><b>plano de sa\u00fade<\/b><\/a><span style=\"font-weight: 400\">. Vale lembrar que \u00e9 poss\u00edvel reduzir as car\u00eancias caso o cliente esteja migrando de conv\u00eanio m\u00e9dico.<\/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-452c9bff elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"452c9bff\" 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<div class=\"elementor-element elementor-element-2ecc7ca9 elementor-widget elementor-widget-heading\" data-id=\"2ecc7ca9\" 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\">Quanto Tempo \u00c9 A Car\u00eancia De Plano De Sa\u00fade?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4847f44d elementor-widget elementor-widget-text-editor\" data-id=\"4847f44d\" 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 tempo de car\u00eancia de plano de sa\u00fade varia de acordo com o procedimento e as regras da operadora. No entanto, a maioria segue um padr\u00e3o, confira quais s\u00e3o:<\/span><\/p><h3><span style=\"font-weight: 400\">Situa\u00e7\u00f5es De Urg\u00eancia E Emerg\u00eancia<\/span><\/h3><p><span style=\"font-weight: 400\">Essa \u00e9 \u00fanica situa\u00e7\u00e3o que n\u00e3o muda, o padr\u00e3o do prazo de car\u00eancia para situa\u00e7\u00f5es de urg\u00eancia e emerg\u00eancia \u00e9 de<\/span> <span style=\"font-weight: 400\">24 horas, ap\u00f3s a assinatura do contrato.<\/span><\/p><h3><span style=\"font-weight: 400\">Interna\u00e7\u00f5es, Exames E Cirurgias<\/span><\/h3><p><span style=\"font-weight: 400\">Geralmente, para procedimentos como interna\u00e7\u00f5es, exames e cirurgias, o prazo de car\u00eancia de plano de sa\u00fade, fica em torno de 180 dias, posteriormente \u00e0 vig\u00eancia.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Podendo mudar de acordo com a operadora e a modalidade de plano escolhida, e tamb\u00e9m se o cliente possuir m\u00e9todos de redu\u00e7\u00e3o de car\u00eancias.<\/span><\/p><h3><span style=\"font-weight: 400\">Consultas<\/span><\/h3><p><span style=\"font-weight: 400\">Para consultas m\u00e9dicas na rede credenciada ou na rede pr\u00f3pria, normalmente as operadoras optam por um prazo de car\u00eancia de 30 dias depois da contrata\u00e7\u00e3o do plano de sa\u00fade.<\/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-2f667031 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2f667031\" 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<div class=\"elementor-element elementor-element-2ea4884a elementor-widget elementor-widget-heading\" data-id=\"2ea4884a\" 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\">Todos Os Planos De Sa\u00fade T\u00eam Os Mesmos Prazos De Car\u00eancia?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9538ed elementor-widget elementor-widget-text-editor\" data-id=\"7e9538ed\" 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\">Como dito anteriormente, os planos de sa\u00fade n\u00e3o possuem o mesmo prazo de car\u00eancia. Esse tempo pode variar de acordo com a operadora escolhida e a modalidade de conv\u00eanio contratada.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Por exemplo, para <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-empresarial\/\"><b>categorias empresariais<\/b><\/a><span style=\"font-weight: 400\">, onde h\u00e1 inclus\u00e3o de 30 vidas ou mais, existe a isen\u00e7\u00e3o de car\u00eancia de plano de sa\u00fade.<\/span><\/p><h3><span style=\"font-weight: 400\">Existe Plano De Sa\u00fade Sem Car\u00eancia?<\/span><\/h3><p><span style=\"font-weight: 400\">Apenas <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-empresarial\/\"><b>planos empresariais<\/b><\/a><span style=\"font-weight: 400\"> acima de 30 vidas possuem isen\u00e7\u00e3o das car\u00eancias exigidas pela operadora de sa\u00fade. Ou seja, em conv\u00eanios de pessoas f\u00edsicas, n\u00e3o \u00e9 poss\u00edvel contratar sem car\u00eancias.\u00a0\u00a0<\/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-4d54bc81 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4d54bc81\" 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<div class=\"elementor-element elementor-element-1c1ce4da elementor-widget elementor-widget-heading\" data-id=\"1c1ce4da\" 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\">Quais S\u00e3o As Regras Para Gesta\u00e7\u00f5es, Partos E O Rec\u00e9m-Nascidos?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e00fea2 elementor-widget elementor-widget-text-editor\" data-id=\"2e00fea2\" 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 de car\u00eancia de plano de sa\u00fade m\u00e1ximo previsto em lei para parto \u00e9 de<\/span><b> 300 dias<\/b><span style=\"font-weight: 400\">, ent\u00e3o, caso a cliente j\u00e1 esteja gr\u00e1vida, o ideal \u00e9 <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-para-gestantes\/\"><b>contratar uma categoria<\/b><\/a><span style=\"font-weight: 400\"> sem car\u00eancias para o procedimento.<\/span><\/p><p><span style=\"font-weight: 400\">Por\u00e9m, a \u00fanica modalidade de conv\u00eanio que n\u00e3o possui car\u00eancia de plano de sa\u00fade s\u00e3o as empresariais a partir de 30 vidas, segundo as determina\u00e7\u00f5es da reguladora do setor, <\/span><a href=\"https:\/\/www.gov.br\/ans\/pt-br\"><b>ANS<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Para <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-para-bebes\/\"><b>rec\u00e9m-nascidos<\/b><\/a><span style=\"font-weight: 400\">, a m\u00e3e pode incluir a crian\u00e7a no plano ap\u00f3s o nascimento, em at\u00e9<\/span><b> 30 dias<\/b><span style=\"font-weight: 400\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 importante ressaltar que segundo a lei, o rec\u00e9m-nascido, natural ou adotivo, pode ser inclu\u00eddo no conv\u00eanio como <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/dependente-plano-saude\/\"><b>dependente<\/b><\/a><span style=\"font-weight: 400\"> isento do cumprimento das car\u00eancias.<\/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-12a73ada elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"12a73ada\" 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<div class=\"elementor-element elementor-element-471c8ccd elementor-widget elementor-widget-heading\" data-id=\"471c8ccd\" 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\">Qual O Tempo De Car\u00eancia A Ser Aguardado Ap\u00f3s A Contrata\u00e7\u00e3o Do Plano?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a97880c elementor-widget elementor-widget-text-editor\" data-id=\"2a97880c\" 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 tempo m\u00ednimo de car\u00eancia de plano de sa\u00fade a ser aguardado ap\u00f3s a contrata\u00e7\u00e3o \u00e9 de 24 horas para situa\u00e7\u00f5es de<\/span><i><span style=\"font-weight: 400\"> urg\u00eancia ou emerg\u00eancia<\/span><\/i><span style=\"font-weight: 400\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Para demais procedimentos, o tempo de espera varia, podendo ser 30 dias, 180 dias, 300 dias ou at\u00e9 mesmo 24 meses.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 importante lembrar que os per\u00edodos s\u00e3o estabelecidos pela ANS, por\u00e9m, a operadora pode optar por diminuir o prazo ou at\u00e9 mesmo n\u00e3o obrigar o cumprimento de nenhuma car\u00eancia de plano de sa\u00fade.<\/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-40489bd0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"40489bd0\" 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<div class=\"elementor-element elementor-element-18342837 elementor-widget elementor-widget-heading\" data-id=\"18342837\" 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\">Dependentes Precisam Cumprir Os Prazos De Car\u00eancia?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2faa81e4 elementor-widget elementor-widget-text-editor\" data-id=\"2faa81e4\" 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\">Normalmente, sim, por\u00e9m existem algumas formas do dependente n\u00e3o cumprir o prazo de car\u00eancia de plano de sa\u00fade.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Isto \u00e9, os<\/span><b> filhos com menos de 12 anos<\/b> <span style=\"font-weight: 400\">podem ser inclu\u00eddos no conv\u00eanio m\u00e9dico utilizando as car\u00eancias que j\u00e1 foram cumpridas.<\/span><\/p><p><span style=\"font-weight: 400\">Outra op\u00e7\u00e3o \u00e9 caso o titular tenha um beb\u00ea rec\u00e9m-nascido, \u00e9 poss\u00edvel ingress\u00e1-lo na assist\u00eancia como dependente sem aguardar o prazo de car\u00eancia de plano de sa\u00fade.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Sendo assim, at\u00e9 os 30 dias de vida, o beb\u00ea pode usar o plano gratuitamente.<\/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-3f442e2d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3f442e2d\" 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<div class=\"elementor-element elementor-element-71921781 elementor-widget elementor-widget-heading\" data-id=\"71921781\" 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\">Qual O Prazo De Car\u00eancia Do Plano De Sa\u00fade Para Cirurgia Bari\u00e1trica?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c895735 elementor-widget elementor-widget-text-editor\" data-id=\"3c895735\" 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\">Por ser uma cirurgia direcionada para pessoas que sofrem de obesidade, uma doen\u00e7a considerada preexistente, o prazo para cirurgia bari\u00e1trica no conv\u00eanio m\u00e9dico geralmente \u00e9 de<\/span><b> 24 meses<\/b><span style=\"font-weight: 400\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Por isso, possui ressalvas, como: se o segurado obt\u00e9m a obesidade m\u00f3rbida, \u00e9 poss\u00edvel fazer a cirurgia depois de<\/span><b> 180 dias <\/b><span style=\"font-weight: 400\">cumpridos de car\u00eancia de plano de sa\u00fade, existindo alguns crit\u00e9rios pr\u00e9vios.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Confira com sua operadora quais s\u00e3o ou <\/span><a href=\"https:\/\/api.whatsapp.com\/send?phone=5511955913910&amp;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!\"><b>converse com um corretor<\/b><\/a><span style=\"font-weight: 400\"> especializado.\u00a0<\/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-43847038 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"43847038\" 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<div class=\"elementor-element elementor-element-112c1974 elementor-widget elementor-widget-heading\" data-id=\"112c1974\" 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\">Como Funciona A Car\u00eancia Em Casos De Migra\u00e7\u00e3o Do Plano De Sa\u00fade?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68701685 elementor-widget elementor-widget-text-editor\" data-id=\"68701685\" 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\">Se o titular de um conv\u00eanio decide <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/migracao-do-meu-plano-de-saude-com-reducao-da-carencia\/\"><b>migrar<\/b><\/a><span style=\"font-weight: 400\"> para outro semelhante, pode utilizar todo per\u00edodo de car\u00eancia de plano de sa\u00fade que ele j\u00e1 tenha cumprido, para reduzir ou isentar a pr\u00f3xima contrata\u00e7\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">Vale ressaltar que essa regra n\u00e3o vale para coberturas contratadas a parte e servi\u00e7os de estresse. Nesse caso, consulte sua operadora ou um de <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>nossos consultores<\/b><\/a><span style=\"font-weight: 400\"> para mais informa\u00e7\u00f5es.<\/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-40b0f3dd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"40b0f3dd\" 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<div class=\"elementor-element elementor-element-71fb4057 elementor-widget elementor-widget-heading\" data-id=\"71fb4057\" 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\">\u00c9 Poss\u00edvel Pagar A Car\u00eancia Do Plano De Sa\u00fade?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17289e2c elementor-widget elementor-widget-text-editor\" data-id=\"17289e2c\" 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\">Essa \u00e9 uma grande d\u00favida entre os usu\u00e1rios de conv\u00eanio m\u00e9dico, e a resposta \u00e9 sim, \u00e9 poss\u00edvel <\/span><b>comprar car\u00eancia de plano de sa\u00fade<\/b><span style=\"font-weight: 400\"> para possuir um prazo menor ou ser isento do cumprimento desse per\u00edodo.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Para isso, basta pagar um valor a mais na mensalidade por um certo tempo, essa taxa \u00e9 conhecida como <\/span><i><span style=\"font-weight: 400\">Agravo<\/span><\/i><span style=\"font-weight: 400\">.<\/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-630a066a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"630a066a\" 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<div class=\"elementor-element elementor-element-18e92add elementor-widget elementor-widget-heading\" data-id=\"18e92add\" 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\">Como Evitar A Car\u00eancia Do Plano De Sa\u00fade?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64742a6a elementor-widget elementor-widget-text-editor\" data-id=\"64742a6a\" 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\">Existem quatro formas de evitar o cumprimento de car\u00eancia de plano de sa\u00fade e entre elas, est\u00e1 a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/migracao-do-meu-plano-de-saude-com-reducao-da-carencia\/\"><b>migra\u00e7\u00e3o de conv\u00eanio m\u00e9dico<\/b><\/a><span style=\"font-weight: 400\">, que possibilita uma troca r\u00e1pida e cheia de vantagens.<\/span><\/p><p><span style=\"font-weight: 400\">A segunda, \u00e9 a partir de uma <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/faq\/pergunte-ao-corretor-portabilidade\/\"><b>portabilidade<\/b><\/a><span style=\"font-weight: 400\">, que ocorre a partir das normas da ANS. Sendo poss\u00edvel tamb\u00e9m realizar o pagamento do <\/span><b>Agravo <\/b><span style=\"font-weight: 400\">ou contratar uma <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-empresarial\/\"><b>categoria empresarial<\/b><\/a><span style=\"font-weight: 400\"> para mais de 30 vidas.\u00a0<\/span><\/p><h2><span style=\"font-weight: 400\">Um Plano De Sa\u00fade Com Car\u00eancia Vale A Pena?<\/span><\/h2><p><span style=\"font-weight: 400\">Todo <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\"><b>plano de sa\u00fade<\/b><\/a><span style=\"font-weight: 400\"> pode proporcionar ao cliente conforto, bem-estar e seguran\u00e7a. Por\u00e9m, caso o segurado procure mais agilidade e rapidez, vale a pena buscar um conv\u00eanio m\u00e9dico sem car\u00eancias.<\/span><\/p><p><span style=\"font-weight: 400\">Vale ressaltar que para casos de urg\u00eancia e emerg\u00eancia, o servi\u00e7o estar\u00e1 ativo para uso <\/span><b>ap\u00f3s 24 horas da contrata\u00e7\u00e3o<\/b><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Ent\u00e3o, depende da necessidade do benefici\u00e1rio, se ele n\u00e3o pretende utilizar as outras <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-plano-saude\/\"><b>coberturas<\/b><\/a><span style=\"font-weight: 400\"> o mais r\u00e1pido poss\u00edvel, a contrata\u00e7\u00e3o do plano tradicional pode ser uma boa op\u00e7\u00e3o.<\/span><\/p><h2><span style=\"font-weight: 400\">A Operadora Pode Recontar A Car\u00eancia Do Plano De Sa\u00fade?<\/span><\/h2><p><span style=\"font-weight: 400\">Outra d\u00favida frequente dos titulares \u00e9 se a operadora pode recontar a car\u00eancia de plano de sa\u00fade, e n\u00e3o, se voc\u00ea j\u00e1 possui seu conv\u00eanio, ela n\u00e3o pode mudar ou alterar nada no prazo j\u00e1 estabelecido.<\/span><\/p><p><span style=\"font-weight: 400\">Caso a empresa decida mudar seu tempo de car\u00eancia, isso se aplicar\u00e1 apenas para novos contratantes do conv\u00eanio m\u00e9dico, ou seja, quem j\u00e1 possuir um plano, n\u00e3o ser\u00e1 afetado.<\/span><\/p><h2><span style=\"font-weight: 400\">Qual A Car\u00eancia De Plano De Sa\u00fade Coletivo Empresarial?<\/span><\/h2><p><span style=\"font-weight: 400\">No geral, as regras para car\u00eancias em planos empresariais s\u00e3o as mesmas dos presentes em categorias individuais e familiares, o que muda apenas \u00e9 que o tempo de espera nessa modalidade, pode ser menor, por exemplo:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Casos de urg\u00eancia e emerg\u00eancia &#8211; <\/span><b>24 horas<\/b><span style=\"font-weight: 400\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Consultas e exames &#8211;<\/span><b> 30 dias<\/b><span style=\"font-weight: 400\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Demais situa\u00e7\u00f5es &#8211;<\/span><b> 180 dias<\/b><span style=\"font-weight: 400\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Parto a termo &#8211; <\/span><b>300 dias<\/b><span style=\"font-weight: 400\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Doen\u00e7as e Les\u00f5es Preexistentes &#8211; <\/span><b>24 meses<\/b><span style=\"font-weight: 400\">.<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400\">Por\u00e9m, \u00e9 importante sempre conferir com um <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/cotacao-online\/\"><b>especialista<\/b><\/a><span style=\"font-weight: 400\"> quais s\u00e3o os per\u00edodos de car\u00eancia de plano de sa\u00fade impostos pela operadora, antes da ades\u00e3o.<\/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-69a4af96 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"69a4af96\" 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<div class=\"elementor-element elementor-element-11185a8e elementor-widget elementor-widget-heading\" data-id=\"11185a8e\" 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\">Preciso Pagar A Car\u00eancia Do Plano De Sa\u00fade Para Ter Direito Ao Tratamento?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74b49129 elementor-widget elementor-widget-text-editor\" data-id=\"74b49129\" 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\">N\u00e3o \u00e9 necess\u00e1rio pagar a car\u00eancia de plano de sa\u00fade para ter direito ao tratamento, o pagamento \u00e9 apenas para os benefici\u00e1rios que optaram por <\/span><b>n\u00e3o cumprir o prazo estabelecido<\/b><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Caso o cliente n\u00e3o se importe em aguardar o tempo j\u00e1 previsto no contrato para cada procedimento, n\u00e3o \u00e9 necess\u00e1rio pagar nenhum valor a mais.<\/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-592552 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"592552\" 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<div class=\"elementor-element elementor-element-49c0ae8 elementor-widget elementor-widget-heading\" data-id=\"49c0ae8\" 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 Fazer Diante Da Exig\u00eancia Abusiva De Car\u00eancias?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7411b94b elementor-widget elementor-widget-text-editor\" data-id=\"7411b94b\" 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\">Se o cliente perceber que a operadora est\u00e1 exigindo prazos abusivos de car\u00eancias, ele pode acionar a Justi\u00e7a com um advogado especialista em <\/span><b>Direito \u00e0 Sa\u00fade <\/b><span style=\"font-weight: 400\">e <\/span><b>Direitos do Consumidor <\/b><span style=\"font-weight: 400\">e denunciar a operadora.<\/span><\/p><p><span style=\"font-weight: 400\">E sendo assim, o caso ir\u00e1 ser analisado e tratado mediante a justi\u00e7a.<\/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-793679ea elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"793679ea\" 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<div class=\"elementor-element elementor-element-6f118315 elementor-widget elementor-widget-heading\" data-id=\"6f118315\" 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\">Como Reduzir A Car\u00eancia Do Seu Plano De Sa\u00fade?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c10828b elementor-widget elementor-widget-text-editor\" data-id=\"6c10828b\" 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 sabia que existem algumas maneiras de reduzir a car\u00eancia de plano de sa\u00fade? Sim, \u00e9 poss\u00edvel fazer isso e iremos te mostrar agora alguns desses meios:<\/span><\/p><p><span style=\"font-weight: 400\">Uma das principais formas \u00e9 por meio da <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/faq\/pergunte-ao-corretor-portabilidade\/\"><b>portabilidade de car\u00eancia,<\/b><\/a><span style=\"font-weight: 400\"> em que a empresa considera os per\u00edodos cumpridos no conv\u00eanio m\u00e9dico anterior, n\u00e3o sendo necess\u00e1rio que haja novamente o tempo de espera.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 poss\u00edvel realizar tamb\u00e9m a<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/migracao-do-meu-plano-de-saude-com-reducao-da-carencia\/\"><b>migra\u00e7\u00e3o<\/b><\/a><span style=\"font-weight: 400\">, que \u00e9 feita pela pr\u00f3pria operadora, com a ajuda de um consultor online. Por isso, \u00e9 uma maneira simples e desburocratizada de mudar de conv\u00eanio com redu\u00e7\u00e3o de car\u00eancia.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, refor\u00e7amos que empresas que contam com mais de 30 vidas recebem isen\u00e7\u00e3o de car\u00eancia de plano de sa\u00fade.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Quer saber mais sobre essas possibilidades? <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>Entre em contato<\/b><\/a> <span style=\"font-weight: 400\">com um consultor da Compare.<\/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-39a73c92 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"39a73c92\" 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<div class=\"elementor-element elementor-element-7778e0bf elementor-widget elementor-widget-heading\" data-id=\"7778e0bf\" 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 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-388f4c7c elementor-widget elementor-widget-text-editor\" data-id=\"388f4c7c\" 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\">A Cobertura Parcial Tempor\u00e1ria (CPT) \u00e9 uma limita\u00e7\u00e3o colocada pela prestadora de servi\u00e7os de sa\u00fade em rela\u00e7\u00e3o \u00e0s Doen\u00e7as e Les\u00f5es Preexistentes (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/doenca-preexistente\/\"><b>DLP<\/b><\/a><span style=\"font-weight: 400\">).<\/span><\/p><p><span style=\"font-weight: 400\">As DLP\u2019s se referem \u00e0s patologias que o benefici\u00e1rio de um novo conv\u00eanio m\u00e9dico sabe ser portador ou sofredor na hora em que est\u00e1 fazendo a contrata\u00e7\u00e3o e que, por isso, deve ser informado \u00e0 operadora.<\/span><\/p><p><span style=\"font-weight: 400\">Entretanto, saiba que essa car\u00eancia de plano de sa\u00fade pode durar <\/span><b>no m\u00e1ximo 24 meses<\/b><span style=\"font-weight: 400\">, sendo que isso \u00e9 v\u00e1lido a partir da data de assinatura do contrato.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 importante ressaltar que, assim como nos demais per\u00edodos de car\u00eancia de plano de sa\u00fade, a operadora pode escolher os pr\u00f3prios prazos, desde que respeitado o limite m\u00e1ximo em rela\u00e7\u00e3o a CPT.<\/span><\/p><p><span style=\"font-weight: 400\">E tamb\u00e9m, as operadoras n\u00e3o precisam necessariamente colocar a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-parcial-temporaria\/\"><b>Cobertura Parcial Tempor\u00e1ria<\/b><\/a><span style=\"font-weight: 400\"> em seu prazo de car\u00eancia de plano de sa\u00fade. Isso porque, a retirada desse per\u00edodo torna-se um enorme diferencial.<\/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-17275a7a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"17275a7a\" 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<div class=\"elementor-element elementor-element-95e7d35 elementor-widget elementor-widget-heading\" data-id=\"95e7d35\" 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\">Quero Mudar De Plano De Sa\u00fade, Preciso Cumprir A Car\u00eancia Novamente?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d19219e elementor-widget elementor-widget-text-editor\" data-id=\"1d19219e\" 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\">Antes de mais nada, quando um consumidor est\u00e1 pensando em trocar de conv\u00eanio m\u00e9dico, precisa conferir se houve o cumprimento<\/span><b> total ou parcial<\/b><span style=\"font-weight: 400\"> do per\u00edodo de perman\u00eancia da modalidade anterior.<\/span><\/p><p><span style=\"font-weight: 400\">Geralmente, as operadoras costumam exigir que o benefici\u00e1rio cumpra ao menos<\/span><b> 6 meses<\/b><span style=\"font-weight: 400\"> na categoria antiga, para ter direito a receber a redu\u00e7\u00e3o da car\u00eancia de plano de sa\u00fade, na pr\u00f3xima contrata\u00e7\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">Mas o indicado \u00e9 que ocorra o cumprimento total deste per\u00edodo, j\u00e1 que aqueles que possuem <\/span><b>entre 12 e 24 meses<\/b><span style=\"font-weight: 400\"> podem conseguir n\u00e3o s\u00f3 uma redu\u00e7\u00e3o maior, mas tamb\u00e9m podem conquistar a isen\u00e7\u00e3o desses prazos.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, para realizar a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/migracao-do-meu-plano-de-saude-com-reducao-da-carencia\/\"><b>migra\u00e7\u00e3o<\/b><\/a><span style=\"font-weight: 400\">, o consumidor precisa procurar por um conv\u00eanio m\u00e9dico cong\u00eanere, que \u00e9 aquele que possui uma cobertura e pre\u00e7o semelhante ao atual.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">E tamb\u00e9m, para conseguir a redu\u00e7\u00e3o de car\u00eancia de plano de sa\u00fade novo, o cliente precisar\u00e1 de uma <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/cancelamento\/carta-de-permanencia-central-nacional-unimed\/\"><b>carta de perman\u00eancia<\/b><\/a><span style=\"font-weight: 400\">. E saiba que essas informa\u00e7\u00f5es podem variar de acordo com cada operadora.<\/span><\/p><h3><span style=\"font-weight: 400\">O Que \u00c9 Carta De Perman\u00eancia?<\/span><\/h3><p><span style=\"font-weight: 400\">A carta de perman\u00eancia \u00e9 um documento que tem como objetivo comprovar o tempo em que o cliente ficou no antigo conv\u00eanio m\u00e9dico e que conta com uma s\u00e9rie de informa\u00e7\u00f5es importantes.<\/span><\/p><p><span style=\"font-weight: 400\">Entre elas est\u00e3o, por exemplo, o nome do titular, RG, endere\u00e7o, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-plano-saude\/\"><b>cobertura<\/b><\/a><span style=\"font-weight: 400\"> e muito mais. Por isso, \u00e9 essencial que se fa\u00e7a a solicita\u00e7\u00e3o desse documento para realizar a migra\u00e7\u00e3o com a redu\u00e7\u00e3o de car\u00eancia de plano de sa\u00fade.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Saiba que se houver alguma d\u00favida sobre como realizar essa a\u00e7\u00e3o, voc\u00ea pode <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>entrar em contato<\/b><\/a><span style=\"font-weight: 400\"> com um especialista da Compare, assim ele poder\u00e1 te auxiliar em todo o processo de redu\u00e7\u00e3o de car\u00eancia de plano de sa\u00fade.<\/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-19f08e09 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"19f08e09\" 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<div class=\"elementor-element elementor-element-4bd5f086 elementor-widget elementor-widget-heading\" data-id=\"4bd5f086\" 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\">Conclus\u00e3o\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5357dbf7 elementor-widget elementor-widget-text-editor\" data-id=\"5357dbf7\" 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\">Ainda ficou com d\u00favidas sobre a car\u00eancia de plano de sa\u00fade? Ent\u00e3o<\/span> <a href=\"https:\/\/api.whatsapp.com\/send?phone=5511955913910&amp;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!\"><b>mande uma mensagem<\/b><\/a><span style=\"font-weight: 400\"> a um dos<\/span> <span style=\"font-weight: 400\">nossos consultores e solicite mais informa\u00e7\u00f5es.<\/span><\/p><p><span style=\"font-weight: 400\">Continue acompanhando o <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/\"><b>Blog da Compare<\/b><\/a><span style=\"font-weight: 400\"> para se manter sempre bem informado sobre os principais conv\u00eanios m\u00e9dicos e cuidados com a sa\u00fade.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Contrate o seu novo conv\u00eanio m\u00e9dico conosco e ganhe as <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/compare-seguros-beneficios\/\"><b>melhores condi\u00e7\u00f5es do mercado<\/b><\/a><span style=\"font-weight: 400\">, al\u00e9m da redu\u00e7\u00e3o de car\u00eancia de plano de sa\u00fade!<\/span><\/p><p><b>Compare, contrate e economize!<\/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-16 elementor-top-column elementor-element elementor-element-38158951\" data-id=\"38158951\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-6afb357 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6afb357\" 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-34588a1\" data-id=\"34588a1\" 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-11c76ec elementor-widget elementor-widget-global elementor-global-249508 elementor-widget-shortcode\" data-id=\"11c76ec\" 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 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src=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/compare-banner-celular.jpg\" class=\"attachment-large size-large wp-image-249504\" alt=\"\" srcset=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/compare-banner-celular.jpg 1024w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/compare-banner-celular-300x252.jpg 300w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/compare-banner-celular-768x644.jpg 768w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/compare-banner-celular-150x126.jpg 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" 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Entender o que \u00e9 a car\u00eancia de plano de sa\u00fade \u00e9 algo fundamental para evitar insatisfa\u00e7\u00e3o ap\u00f3s contratar um conv\u00eanio. Por isso, te explicaremos o que esse termo representa e quais s\u00e3o as regras.&nbsp; Neste material voc\u00ea poder\u00e1 verificar diversas informa\u00e7\u00f5es, como quais s\u00e3o [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-247536","post","type-post","status-publish","format-standard","hentry","category-sem-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car\u00eancia de Plano de Sa\u00fade: Saiba Como Garantir a Redu\u00e7\u00e3o!<\/title>\n<meta name=\"description\" content=\"Car\u00eancia de plano de sa\u00fade: O que \u00e9, quando se aplica e como reduzir. 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