{"id":248207,"date":"2022-12-29T18:42:33","date_gmt":"2022-12-29T18:42:33","guid":{"rendered":"https:\/\/compareplanodesaude.com.br\/blog-saude\/?p=248207"},"modified":"2023-06-15T15:19:15","modified_gmt":"2023-06-15T15:19:15","slug":"saude-suplementar-e-complementar","status":"publish","type":"post","link":"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/saude-suplementar-e-complementar\/","title":{"rendered":"Sa\u00fade suplementar e complementar"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"248207\" class=\"elementor elementor-248207\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69e31650 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"69e31650\" 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-5dd2655d\" data-id=\"5dd2655d\" 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-79fa8afd elementor-widget elementor-widget-heading\" data-id=\"79fa8afd\" 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\">Sa\u00fade suplementar e complementar: o que muda?\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb3b510 elementor-widget elementor-widget-text-editor\" data-id=\"2fb3b510\" 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\">Neste artigo super detalhado sobre <\/span><b>sa\u00fade suplementar e complementar<\/b><span style=\"font-weight: 400\">, voc\u00ea entender\u00e1, de maneira simplificada, o que elas significam e quais as principais diferen\u00e7as entre cada uma.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, ao final do texto voc\u00ea garante condi\u00e7\u00f5es exclusivas na contrata\u00e7\u00e3o do seu plano de sa\u00fade, e descobrir\u00e1, tamb\u00e9m, as principais d\u00favidas sobre a sa\u00fade suplementar e complementar.<\/span><\/p><p><span style=\"font-weight: 400\">Contratando um plano de sa\u00fade com a Compare, voc\u00ea ganha at\u00e9 <\/span><b>40% de desconto + cashback<\/b><span style=\"font-weight: 400\"> na sua primeira mensalidade. N\u00e3o perca!<\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dc1a170 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc1a170\" 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-16 elementor-top-column elementor-element elementor-element-5a83435f\" data-id=\"5a83435f\" 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-6b9aecd5 indiceitem elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b9aecd5\" 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-4527a021\" data-id=\"4527a021\" 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-66d2346b elementor-hidden-tablet elementor-hidden-phone elementor-widget elementor-widget-table-of-contents\" data-id=\"66d2346b\" 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;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&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\tSobre a Empresa\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__66d2346b\" 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\" 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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-29f35288 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"29f35288\" 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:\/\/web.whatsapp.com\/send?phone=5511955913910\">\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 xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" data-prefix=\"fab\" data-icon=\"whatsapp\" class=\"svg-inline--fa fa-whatsapp fa-w-14\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" 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<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-6f213c66\" data-id=\"6f213c66\" 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-657e6f1e elementor-widget elementor-widget-heading\" data-id=\"657e6f1e\" 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 \u00e9 sa\u00fade suplementar e complementar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b84006e elementor-widget elementor-widget-text-editor\" data-id=\"b84006e\" 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 algumas distin\u00e7\u00f5es primordiais entre sa\u00fade suplementar e complementar, e, nos pr\u00f3ximos t\u00f3picos, voc\u00ea entender\u00e1 perfeitamente como cada uma funciona.<\/span><\/p><p><span style=\"font-weight: 400\">A <\/span><b>sa\u00fade suplementar<\/b><span style=\"font-weight: 400\"> \u00e9 todo o tipo de servi\u00e7o de car\u00e1ter particular que \u201csuplementa\u201d a sa\u00fade p\u00fablica, como \u00e9 o caso dos hospitais privados, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\"><b>conv\u00eanios m\u00e9dicos<\/b><\/a><span style=\"font-weight: 400\">, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-odontologico\/\"><b>planos odontol\u00f3gicos<\/b><\/a><span style=\"font-weight: 400\"> e <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/porto-pet\/\"><b>planos pet<\/b><\/a><span style=\"font-weight: 400\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">J\u00e1 a <\/span><b>sa\u00fade complementar<\/b><span style=\"font-weight: 400\"> funciona como um \u201ccomplemento\u201d, como o pr\u00f3prio nome diz, \u00e0 sa\u00fade p\u00fablica. Por exemplo, se um paciente do SUS necessita de um procedimento muito complexo no seu tratamento.<\/span><\/p><p><span style=\"font-weight: 400\">Caso o SUS (Sistema \u00danico de Sa\u00fade) n\u00e3o tenha recursos para realiz\u00e1-lo, o governo, portanto, custeia o procedimento em um hospital que tenha conv\u00eanio com o SUS e, assim, uma vida pode ser salva.<\/span><\/p><p><span style=\"font-weight: 400\">Por\u00e9m, a sa\u00fade suplementar e complementar, apesar de terem algumas similaridades (como serem ambas em teoria da iniciativa privada), t\u00eam as suas diferen\u00e7as. \u00c9 o que abordaremos no pr\u00f3ximo t\u00f3pico.<\/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-4d857a40 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4d857a40\" 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-54e3e2d8 elementor-widget elementor-widget-heading\" data-id=\"54e3e2d8\" 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 a diferen\u00e7a entre sa\u00fade suplementar e complementar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10f11c14 elementor-widget elementor-widget-text-editor\" data-id=\"10f11c14\" 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 muitas diferen\u00e7as entre sa\u00fade suplementar e complementar, a primeira delas \u00e9 a esfera das quais ambas pertencem: a primeira \u00e9 exclusivamente privada, enquanto a segunda \u00e9 \u201cmista\u201d, por assim dizer.<\/span><\/p><p><span style=\"font-weight: 400\">A sa\u00fade complementar \u00e9 uma jun\u00e7\u00e3o entre<\/span> <span style=\"font-weight: 400\">institui\u00e7\u00f5es p\u00fablicas (SUS e o Estado) e institui\u00e7\u00f5es privadas (chamadas de <\/span><i><span style=\"font-weight: 400\">institui\u00e7\u00f5es-organismos<\/span><\/i><span style=\"font-weight: 400\"> do SUS), funcionando como um \u201c\u00faltimo recurso\u201d.<\/span><\/p><p><span style=\"font-weight: 400\">J\u00e1 a sa\u00fade suplementar \u00e9 toda a sa\u00fade privada do Brasil, e tem como principal respons\u00e1vel as operadoras e comercializadoras de planos de sa\u00fade, reguladas pela Ag\u00eancia Nacional de Sa\u00fade Suplementar<\/span> <span style=\"font-weight: 400\">(<\/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\">De maneira resumida, a principal diferen\u00e7a entre sa\u00fade suplementar e complementar est\u00e1 no pr\u00f3prio nome: uma delas <\/span><b>suplementa <\/b><span style=\"font-weight: 400\">o que j\u00e1 existe, enquanto a outra apenas <\/span><b>complementa<\/b><span style=\"font-weight: 400\"> a assist\u00eancia de certos casos.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Caso voc\u00ea deseje contratar um plano de sa\u00fade com um <\/span><b>desconto de at\u00e9 50% + cashback<\/b><span style=\"font-weight: 400\">, clicando <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/garanta-seu-desconto\/\"><b>aqui<\/b><\/a> <span style=\"font-weight: 400\">voc\u00ea garante essa condi\u00e7\u00e3o \u00fanica e imperd\u00edvel!<\/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-65615c69 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"65615c69\" 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-69e4f95f elementor-widget elementor-widget-heading\" data-id=\"69e4f95f\" 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 os seus objetivos?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-775a2640 elementor-widget elementor-widget-text-editor\" data-id=\"775a2640\" 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 sa\u00fade suplementar e complementar t\u00eam um objetivo em comum: <\/span><i><span style=\"font-weight: 400\">pluralizar a qualidade de vida <\/span><\/i><span style=\"font-weight: 400\">em todo o territ\u00f3rio nacional, firmando <\/span><b>o bem-estar como um direito<\/b> <b>de todos<\/b><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Por mais que ela ofere\u00e7a servi\u00e7os privados, a sa\u00fade<\/span><i><span style=\"font-weight: 400\"> suplementar<\/span><\/i><span style=\"font-weight: 400\"> tem como intuito proporcionar, cada vez mais, uma maior qualidade de vida por valores acess\u00edveis e palp\u00e1veis para a popula\u00e7\u00e3o.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Em contrapartida, a sa\u00fade <\/span><i><span style=\"font-weight: 400\">complementar <\/span><\/i><span style=\"font-weight: 400\">tem como foco principal n\u00e3o deixar que a sa\u00fade p\u00fablica do Brasil deixe faltar assist\u00eancia para um paciente em necessidade, por mais que seja um recurso muitas vezes complexo.<\/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-2c1616a4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2c1616a4\" 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-3ca01e11 elementor-widget elementor-widget-heading\" data-id=\"3ca01e11\" 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 os principais desafios atualmente?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6293e71e elementor-widget elementor-widget-text-editor\" data-id=\"6293e71e\" 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\">Nos tempos atuais, os principais desafios da sa\u00fade suplementar e complementar s\u00e3o acerca dos <\/span><b>fatores econ\u00f4micos<\/b><span style=\"font-weight: 400\"> que acometem o Brasil. Com uma infla\u00e7\u00e3o crescente, os servi\u00e7os acabam sendo mais caros.<\/span><\/p><p><span style=\"font-weight: 400\">Mesmo que haja regulamenta\u00e7\u00f5es por parte dos \u00f3rg\u00e3os governamentais, a sa\u00fade suplementar e complementar s\u00e3o totalmente dependentes da iniciativa privada, o que as torna cada vez menos acess\u00edveis.<\/span><\/p><p><span style=\"font-weight: 400\">Outro grande problema para a sa\u00fade suplementar e complementar \u00e9 a falta de recursos destinados ao SUS. Quando a economia nacional n\u00e3o vai bem, \u00e9 quase imposs\u00edvel importar materiais e medicamentos de fora.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, um desafio que se apresenta cada vez maior acerca da sa\u00fade suplementar e complementar no Brasil \u00e9 a log\u00edstica. Afinal, nossa popula\u00e7\u00e3o \u00e9 de 200 milh\u00f5es de pessoas, o que dificulta este processo.<\/span><\/p><p><span style=\"font-weight: 400\">O <\/span><b>envelhecimento populacional <\/b><span style=\"font-weight: 400\">tamb\u00e9m \u00e9 um fator desafiador para a sa\u00fade suplementar e complementar, especialmente porque o p\u00fablico da melhor idade necessita ainda mais dos servi\u00e7os prestados.<\/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-db7b702 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"db7b702\" 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-2188391f elementor-widget elementor-widget-heading\" data-id=\"2188391f\" 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 s\u00e3o operadoras de sa\u00fade suplementar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c8bf580 elementor-widget elementor-widget-text-editor\" data-id=\"7c8bf580\" 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\">Uma operadora de sa\u00fade suplementar \u00e9 a pessoa jur\u00eddica (com CNPJ) registrada na<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-a-ans\/\"><b>ANS<\/b><\/a><span style=\"font-weight: 400\"> que administra, disponibiliza e\/ou comercializa planos de assist\u00eancia m\u00e9dica.<\/span><\/p><p><span style=\"font-weight: 400\">As operadoras de sa\u00fade suplementar, muitas vezes, cuidam tamb\u00e9m da gest\u00e3o dos conv\u00eanios particulares mesmo ap\u00f3s a venda ser efetivada, trazendo assim, um cuidado completo com os benefici\u00e1rios.<\/span><\/p><p><span style=\"font-weight: 400\">Exemplos de operadoras de sa\u00fade suplementar s\u00e3o: <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/bradesco-saude\/\"><b>Bradesco<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/central-nacional-unimed\/\"><b>Centro Nacional Unimed<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/sulamerica-saude\/\"><b>SulAm\u00e9rica<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/grupo-notredame-intermedica\/\"><b>NotreDame Interm\u00e9dica<\/b><\/a><i><span style=\"font-weight: 400\">, <\/span><\/i><a href=\"https:\/\/compareplanodesaude.com.br\/amil\/\"><b>Amil<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/trasmontano\/\"><b>Trasmontano<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/omint\/\"><b>Omint<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/allianz-saude\/\"><b>Allianz<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/porto-saude\/\"><b>Porto Sa\u00fade<\/b><\/a><span style=\"font-weight: 400\">, etc.<\/span><\/p><p><span style=\"font-weight: 400\">Para contratar alguma delas, voc\u00ea pode fazer uma <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/cotacao-online\/\"><b>cota\u00e7\u00e3o 100% online<\/b><\/a><span style=\"font-weight: 400\"> e descobrir qual o plano de sa\u00fade ideal para voc\u00ea, sua fam\u00edlia e\/ou a sua empresa.<\/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-2ea70da3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2ea70da3\" 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-31f1c02a elementor-widget elementor-widget-heading\" data-id=\"31f1c02a\" 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\">Modalidades de sa\u00fade suplementar: confira exemplos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-785f39fa elementor-widget elementor-widget-text-editor\" data-id=\"785f39fa\" 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\">Para que voc\u00ea entenda melhor os conceitos de sa\u00fade suplementar, a Compare separou alguns exemplos de modalidades.No Brasil, voc\u00ea encontra todas elas e algumas mais. Confira-as abaixo:<\/span><\/p><h3><span style=\"font-weight: 400\">Administradora de Benef\u00edcios<\/span><\/h3><p><span style=\"font-weight: 400\">Uma <\/span><b>Administradora de Benef\u00edcios <\/b><span style=\"font-weight: 400\">\u00e9 uma pessoa jur\u00eddica, devidamente regulada pela ANS, que presta um servi\u00e7o de intermedia\u00e7\u00e3o entre \u00f3rg\u00e3os p\u00fablicos ou entidades representativas, e as operadoras de planos.<\/span><\/p><p><span style=\"font-weight: 400\">Ela tem como principal fun\u00e7\u00e3o auxiliar estas organiza\u00e7\u00f5es a aderir e melhor gerir seus planos de sa\u00fade. Ela presta servi\u00e7os, especialmente, para entidades que desejam contratar um <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/plano-de-saude-coletivo\/\"><b>plano coletivo<\/b><\/a><span style=\"font-weight: 400\"> por ades\u00e3o.<\/span><\/p><h3><span style=\"font-weight: 400\">Autogest\u00e3o<\/span><\/h3><p><span style=\"font-weight: 400\">Uma operadora de <\/span><b>Autogest\u00e3o <\/b><span style=\"font-weight: 400\">trabalha com conv\u00eanios destinados exclusivamente a colaboradores ativos, aposentados e pensionistas de uma empresa ou entidade representativa.<\/span><\/p><p><span style=\"font-weight: 400\">Legislativamente, elas n\u00e3o podem comercializar planos de sa\u00fade para o p\u00fablico em geral, mas ainda assim contribuem para a sa\u00fade suplementar e complementar.<\/span><\/p><h3><span style=\"font-weight: 400\">Cooperativa M\u00e9dica<\/span><\/h3><p><span style=\"font-weight: 400\">Uma <\/span><b>Cooperativa M\u00e9dica <\/b><span style=\"font-weight: 400\">(ou cooperativa de servi\u00e7os m\u00e9dicos) \u00e9 uma associa\u00e7\u00e3o aut\u00f4noma de m\u00e9dicos que trabalham para atender pacientes que optam por se associarem a ela.<\/span><\/p><p><span style=\"font-weight: 400\">Ou seja, \u00e9 uma modalidade da sa\u00fade suplementar e complementar que presta servi\u00e7os de maneira independente. Apesar disso, \u00e9 uma pr\u00e1tica regulamentada pelo Estado.<\/span><\/p><h3><span style=\"font-weight: 400\">Cooperativa Odontol\u00f3gica<\/span><\/h3><p><span style=\"font-weight: 400\">Uma <\/span><b>Cooperativa Odontol\u00f3gica <\/b><span style=\"font-weight: 400\">oferece \u00fanica e exclusivamente <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-odontologico\/\"><b>servi\u00e7os odontol\u00f3gicos<\/b><\/a><span style=\"font-weight: 400\">, diferentemente das operadoras de planos de sa\u00fade convencionais.<\/span><\/p><p><span style=\"font-weight: 400\">Ela funciona de maneira muito semelhante a uma cooperativa m\u00e9dica, se diferenciando pelo fato de ser composta apenas por dentistas (no caso, que se associam \u00e0 organiza\u00e7\u00e3o).<\/span><\/p><h3><span style=\"font-weight: 400\">Filantropia<\/span><\/h3><p><span style=\"font-weight: 400\">As operadoras de <\/span><b>Filantropia <\/b><span style=\"font-weight: 400\">s\u00e3o entidades sem fins lucrativos que operam planos privados de assist\u00eancia m\u00e9dica.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Para exercerem esta fun\u00e7\u00e3o, elas precisam ser certificadas junto ao CNAS (Conselho Nacional de Assist\u00eancia Social).\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">Medicina de Grupo<\/span><\/h3><p><span style=\"font-weight: 400\">A <\/span><b>Medicina de Grupo<\/b><span style=\"font-weight: 400\"> funciona de maneira similar \u00e0 Cooperativa M\u00e9dica, com a exce\u00e7\u00e3o de possuir, ao inv\u00e9s de uma rede credenciada, uma rede pr\u00f3pria exclusiva.<\/span><\/p><p><span style=\"font-weight: 400\">Ou seja, \u00e9 uma coletividade de m\u00e9dicos que se associam em prol da sa\u00fade suplementar e complementar.<\/span><\/p><h3><span style=\"font-weight: 400\">Odontologia de Grupo<\/span><\/h3><p><span style=\"font-weight: 400\">A <\/span><b>Odontologia de Grupo<\/b><span style=\"font-weight: 400\"> \u00e9 praticamente id\u00eantica \u00e0 Medicina de Grupo, com a \u00fanica distin\u00e7\u00e3o de ofertar servi\u00e7os odontol\u00f3gicos ao inv\u00e9s de m\u00e9dicos. Por\u00e9m, ambos operam a favor da mesma causa,<\/span><\/p><h3><span style=\"font-weight: 400\">Seguradoras Especializadas em Sa\u00fade<\/span><\/h3><p><span style=\"font-weight: 400\">Uma <\/span><b>Seguradora Especializada em Sa\u00fade <\/b><span style=\"font-weight: 400\">\u00e9 uma sociedade (com fins lucrativos) que promove assist\u00eancia m\u00e9dica atrav\u00e9s de prestadores credenciados, sejam m\u00e9dicos ou unidades, como hospitais e laborat\u00f3rios.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Apesar de n\u00e3o possuir uma rede pr\u00f3pria, esse tipo de institui\u00e7\u00e3o costuma contar com uma ampla rede assistencial terceirizada.\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-2d2fe9fc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2d2fe9fc\" 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-5d7bd0e5 elementor-widget elementor-widget-heading\" data-id=\"5d7bd0e5\" 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\">Quem regulamenta o setor de sa\u00fade suplementar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78eefb5 elementor-widget elementor-widget-text-editor\" data-id=\"78eefb5\" 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 sa\u00fade suplementar \u00e9 regulamentada pela Ag\u00eancia Nacional de Sa\u00fade Suplementar (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/ans\/rol-de-procedimentos-ans\/\" class=\"broken_link\"><b>ANS<\/b><\/a><span style=\"font-weight: 400\">), o \u00f3rg\u00e3o respons\u00e1vel por todo o segmento, criado no ano 2000 com o intuito de estipular normas e diretrizes para este mercado.<\/span><\/p><p><span style=\"font-weight: 400\">A ANS \u00e9 quem faz a fiscaliza\u00e7\u00e3o das operadoras de seguros de sa\u00fade, estipulando leis e limita\u00e7\u00f5es para que o setor se torne mais democratizado e acess\u00edvel \u00e0 maioria dos brasileiros.<\/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-2fb2e7f8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2fb2e7f8\" 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-7e4d16e8 elementor-widget elementor-widget-heading\" data-id=\"7e4d16e8\" 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\">Confira como a Lei dos Planos de Sa\u00fade funciona\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2397c7b4 elementor-widget elementor-widget-text-editor\" data-id=\"2397c7b4\" 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>Lei n\u00ba 9656\/1998, <\/b><span style=\"font-weight: 400\">conhecida como \u201ca Lei dos Planos de Sa\u00fade\u201d definiu uma pol\u00edtica de <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/como-funciona-reembolso-plano-saude\/\"><b>reembolso<\/b><\/a> <span style=\"font-weight: 400\">mais clara do que a at\u00e9 ent\u00e3o vigente, especialmente acerca de situa\u00e7\u00f5es de urg\u00eancia e emerg\u00eancia.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, foram estipuladas as regras para os <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/faq\/reajuste-plano-de-saude\/\"><b>reajustes<\/b><\/a> <span style=\"font-weight: 400\">(anuais ou et\u00e1rios). Sem contar tamb\u00e9m com a cria\u00e7\u00e3o do \u00f3rg\u00e3o governamental do t\u00f3pico anterior, a ANS, criando assim um controle maior sobre o segmento.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Leia todas as normas na \u00edntegra neste <\/span><a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/l9656.htm\" class=\"broken_link\"><b>link<\/b><\/a><span style=\"font-weight: 400\">. Se preferir, voc\u00ea pode falar com um de <\/span><a href=\"https:\/\/fale-conosco.compareplanodesaude.com.br\/\"><b>nossos consultores<\/b><\/a><span style=\"font-weight: 400\"> e tirar todas as suas d\u00favidas sobre planos de sa\u00fade.\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-4d60934d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4d60934d\" 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-77dcfe34 elementor-widget elementor-widget-heading\" data-id=\"77dcfe34\" 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\">3 formas de melhorar a sa\u00fade com a Medicina Preventiva\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27070806 elementor-widget elementor-widget-text-editor\" data-id=\"27070806\" 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>Medicina Preventiva<\/b><span style=\"font-weight: 400\"> \u00e9 uma \u00f3tima maneira de promover a sa\u00fade suplementar e complementar no Brasil. Ela \u00e9 capaz de reduzir os riscos de uma poss\u00edvel doen\u00e7a de forma efetiva.<\/span><\/p><p><span style=\"font-weight: 400\">Abaixo, voc\u00ea confere tr\u00eas dicas de como melhorar a sa\u00fade suplementar e complementar atrav\u00e9s desta modalidade m\u00e9dica t\u00e3o excepcional:<\/span><\/p><h3><span style=\"font-weight: 400\">1. Sa\u00fade sempre em primeiro lugar<\/span><\/h3><p><span style=\"font-weight: 400\">Tendo como principal prioridade a sa\u00fade da popula\u00e7\u00e3o, a medicina preventiva \u00e9 capaz de evitar complica\u00e7\u00f5es s\u00e9rias decorrentes de situa\u00e7\u00f5es, muitas vezes, cotidianas.<\/span><\/p><p><span style=\"font-weight: 400\">Ela promove assist\u00eancias personalizadas, como aux\u00edlio na cessa\u00e7\u00e3o do tabagismo, emagrecimento saud\u00e1vel, projetos de reprodu\u00e7\u00e3o (aos casais que n\u00e3o conseguem ter filhos), entre uma infinidade de outros programas.<\/span><\/p><p><span style=\"font-weight: 400\">Por meio destes projetos, geralmente oferecidos pelas operadoras de sa\u00fade suplementar e complementar, a melhora na qualidade de vida \u00e9 muito significativa.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">2. Contar com uma gest\u00e3o planejada<\/span><\/h3><p><span style=\"font-weight: 400\">Uma gest\u00e3o planejada na sa\u00fade suplementar e complementar \u00e9 um jeito pr\u00e1tico de administrar e estimular, da melhor forma poss\u00edvel, os cuidados \u00e0 sa\u00fade no Brasil.<\/span><\/p><p><span style=\"font-weight: 400\">Por meio da Medicina Preventiva, isso \u00e9 mais do que poss\u00edvel. Al\u00e9m de prevenir as mais variadas patologias, o benefici\u00e1rio tamb\u00e9m pode se sentir mais seguro em rela\u00e7\u00e3o a outros servi\u00e7os de sua operadora.<\/span><\/p><h3><span style=\"font-weight: 400\">3. Atendimento personalizado<\/span><\/h3><p><span style=\"font-weight: 400\">Um atendimento personalizado e cuidadoso \u00e9 um \u00f3timo indicador de qualidade das operadoras de sa\u00fade suplementar, pois representa o esfor\u00e7o de oferecer sempre o melhor aos seus clientes finais.<\/span><\/p><p><span style=\"font-weight: 400\">Podendo ser encontrado em ambas, sa\u00fade suplementar e complementar, ele faz com que o paciente se sinta confort\u00e1vel em momentos de necessidade.<\/span><\/p><p><span style=\"font-weight: 400\">Aproveite esta oportunidade \u00fanica de contratar seu plano de sa\u00fade com a Compare! Clicando<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/garanta-seu-desconto\/\"><b>aqui<\/b><\/a><span style=\"font-weight: 400\">, voc\u00ea garante at\u00e9 <\/span><b>40% de desconto no seu 1\u00ba m\u00eas + 5% de cashback<\/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<div class=\"elementor-element elementor-element-1b6cb6a2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1b6cb6a2\" 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-4c8b55b2 elementor-widget elementor-widget-heading\" data-id=\"4c8b55b2\" 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\">D\u00favidas r\u00e1pidas sobre sa\u00fade suplementar e complementar \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58f6c02 elementor-widget elementor-widget-text-editor\" data-id=\"58f6c02\" 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\">Com o objetivo de fazer com que voc\u00ea saia deste artigo sabendo tudo sobre a sa\u00fade suplementar e complementar, a Compare compilou tr\u00eas das d\u00favidas mais frequentes sobre o tema:<\/span><\/p><h3><span style=\"font-weight: 400\">Como obter acesso \u00e0 sa\u00fade suplementar?<\/span><\/h3><p><span style=\"font-weight: 400\">Para conseguir acesso \u00e0 sa\u00fade suplementar, voc\u00ea necessita contratar um conv\u00eanio m\u00e9dico que tenha como<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/area-de-abrangencia\/\"><b>\u00e1rea de abrang\u00eancia<\/b><\/a><span style=\"font-weight: 400\"> a sua regi\u00e3o, para que voc\u00ea consiga utilizar todos os benef\u00edcios do seu plano plenamente.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, para usufruir da sa\u00fade suplementar, \u00e9 necess\u00e1rio que voc\u00ea, no momento da contrata\u00e7\u00e3o de seu seguro sa\u00fade, envie todas as documenta\u00e7\u00f5es exigidas pela operadora.<\/span><\/p><p><span style=\"font-weight: 400\">A melhor forma de obter este acesso \u00e9 atrav\u00e9s de uma corretora de planos de sa\u00fade. A <\/span><a href=\"https:\/\/fale-conosco.compareplanodesaude.com.br\/\"><b>Compare<\/b><\/a><span style=\"font-weight: 400\">, por exemplo, \u00e9 a mais bem avaliada de todo o Google, al\u00e9m de ser recordista em crescimento.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">Qual o Rol de Procedimentos coberto?<\/span><\/h3><p><span style=\"font-weight: 400\">O <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/ans\/rol-de-procedimentos-ans\/\" class=\"broken_link\"><b>Rol de Procedimentos da ANS<\/b><\/a><span style=\"font-weight: 400\"> foi criado com o intuito de assegurar as coberturas essenciais para os benefici\u00e1rios da sa\u00fade suplementar e complementar, variando conforme a segmenta\u00e7\u00e3o contratada.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Portanto, as coberturas se alteram dependendo do conv\u00eanio que voc\u00ea escolher, podendo ser apenas ambulatoriais, apenas hospitalares, ambas e outros tipos. Entenda mais sobre isso <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-plano-saude\/\"><b>neste artigo<\/b><\/a><span style=\"font-weight: 400\">.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">O que \u00e9 o ressarcimento \u00e0 sa\u00fade suplementar?<\/span><\/h3><p><span style=\"font-weight: 400\">O Ressarcimento \u00e0 sa\u00fade suplementar \u00e9 a indeniza\u00e7\u00e3o, concedida pela Uni\u00e3o, direcionada ao custeio dos gastos com o plano de sa\u00fade e despesas com a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-coparticipacao\/\"><b>coparticipa\u00e7\u00e3o<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">O benefici\u00e1rio, para poder se incluir neste benef\u00edcio (ou aux\u00edlio), necessita realizar a solicita\u00e7\u00e3o no site do governo federal. Caso seja aprovado, o indiv\u00edduo ter\u00e1 um amparo financeiro em seu plano de sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400\">Para aderir ao seu conv\u00eanio m\u00e9dico com at\u00e9 <\/span><b>40% de desconto<\/b><span style=\"font-weight: 400\">, fale com um especialista da Compare por <\/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>WhatsApp<\/b><\/a><span style=\"font-weight: 400\">! Aproveite e pe\u00e7a uma <\/span><b>consultoria personalizada<\/b><span style=\"font-weight: 400\"> e completa.<\/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-1f3c24b5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1f3c24b5\" 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-4698cc30 elementor-widget elementor-widget-heading\" data-id=\"4698cc30\" 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<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b641 elementor-widget elementor-widget-text-editor\" data-id=\"28b641\" 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\">Esperamos que este artigo sobre sa\u00fade suplementar e complementar tenha tirado todas as suas d\u00favidas relacionadas ao tema. Para ver mais conte\u00fados relacionados, confira o <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/\"><b>Blog da Compare<\/b><\/a><span style=\"font-weight: 400\">!<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m de textos como este sobre sa\u00fade suplementar e complementar, voc\u00ea tem acesso a dicas de bem-estar, not\u00edcias e \u00e0s melhores ofertas de conv\u00eanios m\u00e9dicos do mercado. N\u00e3o perca mais tempo!<\/span><\/p><p>\u00a0<\/p><p><b>Compare, contrate e economize.\u00a0<\/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-7c6f79a\" data-id=\"7c6f79a\" 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-b830069 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b830069\" 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-02e82f1\" data-id=\"02e82f1\" 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-85430cd elementor-widget elementor-widget-global elementor-global-249508 elementor-widget-shortcode\" data-id=\"85430cd\" 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 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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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