{"id":248657,"date":"2023-02-14T18:24:32","date_gmt":"2023-02-14T18:24:32","guid":{"rendered":"https:\/\/compareplanodesaude.com.br\/blog-saude\/?p=248657"},"modified":"2023-05-02T17:32:54","modified_gmt":"2023-05-02T17:32:54","slug":"lei-dos-planos-de-saude","status":"publish","type":"post","link":"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/lei-dos-planos-de-saude\/","title":{"rendered":"Lei dos Planos de Sa\u00fade"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"248657\" class=\"elementor elementor-248657\" 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-50 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-4dca7b96 elementor-widget elementor-widget-heading\" data-id=\"4dca7b96\" 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\">Lei dos Planos de Sa\u00fade: Normas, regulamentos e diretrizes<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe83208 elementor-widget elementor-widget-text-editor\" data-id=\"fe83208\" 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 voc\u00ea ir\u00e1 conhecer a <\/span><b>Lei dos Planos de Sa\u00fade<\/b><span style=\"font-weight: 400\">, conhecida igualmente como Lei n\u00b0 9.656\/98, respons\u00e1vel por fornecer maior flexibilidade e garantias ao consumidor.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, confira as modalidades de conv\u00eanios comercializados, cl\u00e1usulas contratuais obrigat\u00f3rias, deveres das partes, requisitos para funcionamento das operadoras e muito mais.<\/span><\/p><p><span style=\"font-weight: 400\">Ap\u00f3s conhecer tudo sobre essa lei t\u00e3o importante, aproveite para contratar um conv\u00eanio m\u00e9dico com at\u00e9 <\/span><b>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-1530cd21\" data-id=\"1530cd21\" 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-3440483b desconto-form elementor-widget elementor-widget-wpforms\" data-id=\"3440483b\" 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\/248657\" data-token=\"eec3b8cbe1a65d96798712909425d525\" data-token-time=\"1778338950\"><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\">\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 E-mail 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_16-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"16\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_16\">Nome <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-76780-field_16\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][16]\" placeholder=\"Insira seu nome\" required><\/div><div id=\"wpforms-76780-field_2-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"2\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_2\">E-mail <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-76780-field_2\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][2]\" placeholder=\"Insira seu E-mail\" spellcheck=\"false\" required><\/div><div id=\"wpforms-76780-field_6-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"6\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_6\">Celular <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-76780-field_6\" class=\"wpforms-field-large wpforms-field-required wpforms-masked-input\" data-rule-inputmask-incomplete=\"1\" data-inputmask-mask=\"((99) 9999-9999[9][9][9]|+99 999999-999[9][9][9])\" name=\"wpforms[fields][6]\" placeholder=\"Celular com (DDD)\" required><\/div><div id=\"wpforms-76780-field_22-container\" class=\"wpforms-field wpforms-field-html textGarantaP\" data-field-id=\"22\"><div id=\"wpforms-76780-field_22\">Escolha o tipo do plano<\/div><\/div><div id=\"wpforms-76780-field_13-container\" class=\"wpforms-field wpforms-field-select wpforms-conditional-trigger wpforms-field-select-style-classic\" data-field-id=\"13\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_13\">Tipo do plano <span class=\"wpforms-required-label\">*<\/span><\/label><select id=\"wpforms-76780-field_13\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][13]\" required=\"required\"><option value=\"\" class=\"placeholder\" disabled  selected='selected'>Tipo de Plano<\/option><option value=\"Individual\"  class=\"choice-1 depth-1\"  >Individual<\/option><option value=\"MEI\"  class=\"choice-5 depth-1\"  >MEI<\/option><option value=\"Empresarial\"  class=\"choice-4 depth-1\"  >Empresarial<\/option><option value=\"Familiar\"  class=\"choice-3 depth-1\"  >Familiar<\/option><option value=\"S\u00eanior\"  class=\"choice-2 depth-1\"  >S\u00eanior<\/option><\/select><\/div><div id=\"wpforms-76780-field_17-container\" class=\"wpforms-field wpforms-field-html textAvisoCNPJ wpforms-conditional-field wpforms-conditional-show\" data-field-id=\"17\" style=\"display:none;\"><div id=\"wpforms-76780-field_17\"><p>Possu\u00ed CNPJ? Economize at\u00e9 40% e acesse os melhores planos de sa\u00fade!<\/p><\/div><\/div><div id=\"wpforms-76780-field_18-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-field wpforms-conditional-show\" data-field-id=\"18\" style=\"display:none;\"><label class=\"wpforms-field-label wpforms-label-hide\">Possui CNPJ? <span class=\"wpforms-required-label\">*<\/span><\/label><ul id=\"wpforms-76780-field_18\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-76780-field_18_1\" name=\"wpforms[fields][18]\" value=\"Sim\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-76780-field_18_1\">Sim<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-76780-field_18_2\" name=\"wpforms[fields][18]\" value=\"N\u00e3o\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-76780-field_18_2\">N\u00e3o<\/label><\/li><\/ul><\/div><div id=\"wpforms-76780-field_20-container\" class=\"wpforms-field wpforms-field-html textGarantaP\" data-field-id=\"20\"><div id=\"wpforms-76780-field_20\">Quanto deseja investir por m\u00eas no seu conv\u00eanio?<\/div><\/div><div id=\"wpforms-76780-field_19-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"19\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_19\">Valor mensal pretendido <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-76780-field_19\" class=\"wpforms-field-large wpforms-field-required wpforms-masked-input\" data-rule-inputmask-incomplete=\"1\" data-inputmask-mask=\"R$9[9][9][9][9][9][9],00\" name=\"wpforms[fields][19]\" placeholder=\"Insira o valor por m\u00eas\" required><\/div><div id=\"wpforms-76780-field_21-container\" class=\"wpforms-field wpforms-field-html textTermos\" data-field-id=\"21\"><div id=\"wpforms-76780-field_21\">Ao continuar, voc\u00ea aceita os <a href=\"https:\/\/compareplanodesaude.com.br\/politica-de-privacidade\" target=\"_blank\" style=\"color: #fff; text-decoration: underline;\">Termos e Condi\u00e7\u00f5es.<\/a><\/div><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-76780-field_1-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-76780-field_1-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-76780-field_1-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"76780\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-json\/wp\/v2\/posts\/248657\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-76780\" class=\"wpforms-submit form-btn\" data-alt-text=\"Solicitando...\" data-submit-text=\"Garanta seu desconto\" aria-live=\"assertive\" value=\"wpforms-submit\">Garanta seu desconto<\/button><\/div><\/form><\/div>  <!-- .wpforms-container -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dd0c555 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dd0c555\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container 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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\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b88ee80 elementor-align-justify elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"4b88ee80\" data-element_type=\"widget\" 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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-2505fa5f\" data-id=\"2505fa5f\" 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-64dd1de2 elementor-widget elementor-widget-heading\" data-id=\"64dd1de2\" 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 a Lei dos Planos de Sa\u00fade determina? Veja os principais temas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55b4d04f elementor-widget elementor-widget-text-editor\" data-id=\"55b4d04f\" 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\">Aprovada em 1998<\/span><b>, <\/b><span style=\"font-weight: 400\">a<\/span> <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/L9656compilado.htm\" class=\"broken_link\"><b>Lei n\u00b0 9.656<\/b><\/a> <span style=\"font-weight: 400\">(Lei dos Planos de Sa\u00fade) regulamenta a maneira como as operadoras devem atuar, visando entregar um servi\u00e7o de qualidade para os seus benefici\u00e1rios.<\/span><\/p><p><span style=\"font-weight: 400\">Confira a seguir quais s\u00e3o as principais normas que a Lei dos Planos de Sa\u00fade regulamenta \u00e0s operadoras, conforme as 4 modalidades dispon\u00edveis para contrata\u00e7\u00e3o:<\/span><\/p><h3><span style=\"font-weight: 400\">Plano individual ou familiar<\/span><\/h3><p><span style=\"font-weight: 400\">Destinado a pessoas f\u00edsicas, os <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-individual\/\"><b>planos individuais<\/b><\/a><span style=\"font-weight: 400\"> somente podem ser contratados por <\/span><b>um <\/b><span style=\"font-weight: 400\">benefici\u00e1rio, que deve seguir as regras de aceita\u00e7\u00e3o e limite de idade da operadora em quest\u00e3o.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">J\u00e1 os<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-familiar\/\"><b>conv\u00eanios familiares<\/b><\/a><span style=\"font-weight: 400\"> englobam um titular + seus dependentes, podendo ser pais e m\u00e3es, c\u00f4njuge, filhos(as), enteados(as), sobrinhos(as), entre outros aceitos pela assist\u00eancia m\u00e9dica.<\/span><\/p><p><span style=\"font-weight: 400\">A cobertura do seguro sa\u00fade \u00e9 oferecida conforme o contrato, abrangendo o <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/ans\/rol-de-procedimentos-ans\/\" class=\"broken_link\"><b>Rol de Procedimentos<\/b><\/a><span style=\"font-weight: 400\"> e a Lei dos Planos de Sa\u00fade. As caracter\u00edsticas principais dessa modalidade s\u00e3o:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Ades\u00e3o livre;<\/span><\/li><li style=\"font-weight: 400\"><a href=\"https:\/\/compareplanodesaude.com.br\/perguntas-frequentes\/carencia-plano-de-saude\/\"><b>Car\u00eancias contratuais<\/b><\/a><span style=\"font-weight: 400\"> comuns;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Rescis\u00e3o apenas em caso de fraude e\/ou falta de pagamento;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Cobran\u00e7a diretamente ao consumidor pela operadora do plano.<\/span><\/li><\/ul><h3><span style=\"font-weight: 400\">Plano coletivo por ades\u00e3o<\/span><\/h3><p><span style=\"font-weight: 400\">Segundo a Lei dos Planos de Sa\u00fade, as modalidades coletivas podem ser contratadas por uma associa\u00e7\u00e3o ou sindicato que voc\u00ea possui v\u00ednculo profissional, classista ou setorial.<\/span><\/p><p><span style=\"font-weight: 400\">Com valores mais baratos que as categorias individuais e familiares, os planos coletivos por ades\u00e3o \u00e9 um dos tipos mais comuns oferecidos pelas operadoras de sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400\">As condi\u00e7\u00f5es de contrata\u00e7\u00e3o e caracter\u00edsticas desse tipo de contrato s\u00e3o:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Car\u00eancias salvas para quem ingressa no conv\u00eanio em at\u00e9 30 dias da celebra\u00e7\u00e3o do contrato ou no anivers\u00e1rio do mesmo;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Rescis\u00e3o contratual conforme prevista em acordo e somente v\u00e1lida para a transa\u00e7\u00e3o como um todo;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A cobran\u00e7a \u00e9 realizada diretamente ao consumidor pela pessoa jur\u00eddica contratante ou pela administradora de benef\u00edcios.<\/span><\/li><\/ul><h3><span style=\"font-weight: 400\">Plano empresarial<\/span><\/h3><p><span style=\"font-weight: 400\">Os conv\u00eanios m\u00e9dicos empresariais s\u00e3o destinados \u00e0s pessoas jur\u00eddicas que buscam oferecer aos seus colaboradores uma assist\u00eancia m\u00e9dica.<\/span><\/p><p><span style=\"font-weight: 400\">Conforme a Lei dos Planos de Sa\u00fade, tamb\u00e9m \u00e9 poss\u00edvel contratar essa modalidade com a presen\u00e7a do Certificado de Microempreendedor Individual (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-mei\/\"><b>MEI<\/b><\/a><span style=\"font-weight: 400\">), desde que tenha o m\u00ednimo de colaboradores exigidos pela operadora.<\/span><\/p><p><span style=\"font-weight: 400\">O suporte empresarial conta com certos benef\u00edcios, um deles \u00e9 a isen\u00e7\u00e3o de <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/perguntas-frequentes\/carencia-plano-de-saude\/\"><b>car\u00eancias contratuais<\/b><\/a><span style=\"font-weight: 400\"> a partir de 30 vidas. Confira outras vantagens e caracter\u00edsticas dessa categoria:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A ades\u00e3o exige v\u00ednculo com pessoa jur\u00eddica por rela\u00e7\u00e3o empregat\u00edcia ou estatut\u00e1ria;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Cobertura conforme o contrato e 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\">;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Rescis\u00e3o prevista no acordo somente v\u00e1lida para o plano na totalidade;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A cobran\u00e7a \u00e9 realizada diretamente ao consumidor pela pessoa jur\u00eddica contratante ou pela administradora de benef\u00edcios.<\/span><\/li><\/ul><p><span style=\"font-weight: 400\">Se ainda n\u00e3o possui uma assist\u00eancia particular, aproveite para realizar sua admiss\u00e3o hoje mesmo com at\u00e9 40% de desconto no 1.\u00ba m\u00eas! <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>Entre em contato<\/b><\/a><span style=\"font-weight: 400\"> com um dos nossos especialistas.<\/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-607d1557 elementor-widget elementor-widget-heading\" data-id=\"607d1557\" 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\">Requisitos para funcionamento das operadoras<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62755a19 elementor-widget elementor-widget-text-editor\" data-id=\"62755a19\" 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 as operadoras dos conv\u00eanios m\u00e9dicos obtenham a autoriza\u00e7\u00e3o para comercializar os seus servi\u00e7os, \u00e9 necess\u00e1rio que as mesmas cumpram algumas regras impostas pela Lei dos Planos de Sa\u00fade.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">No art. 8\u00b0 da Lei n\u00b09.656\/98 s\u00e3o elencados os requisitos a seguir para o funcionamento da empresa, como a descri\u00e7\u00e3o pormenorizada dos servi\u00e7os de sa\u00fade pr\u00f3prios oferecidos e daqueles a serem prestados por terceiros.<\/span><\/p><p><span style=\"font-weight: 400\">Veja a seguir, outros crit\u00e9rios que devem ser seguidos pelas seguradoras para a autoriza\u00e7\u00e3o do seu funcionamento:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Descri\u00e7\u00e3o de suas instala\u00e7\u00f5es e equipamentos destinados \u00e0 presta\u00e7\u00e3o de servi\u00e7os;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Especifica\u00e7\u00e3o dos recursos humanos qualificados e habilitados, com responsabilidade t\u00e9cnica conforme as leis que regem a mat\u00e9ria;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Demonstra\u00e7\u00e3o da capacidade de atendimento em raz\u00e3o da assist\u00eancia a ser prestada;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Comprova\u00e7\u00e3o da viabilidade econ\u00f4mico-financeira dos planos privados de suporte \u00e0 sa\u00fade oferecidos, respeitadas as peculiaridades operacionais de cada uma das respectivas operadoras;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Classifica\u00e7\u00e3o da \u00e1rea geogr\u00e1fica coberta pelo conv\u00eanio m\u00e9dico.<\/span><\/li><\/ul><h3><span style=\"font-weight: 400\">Cl\u00e1usulas contratuais obrigat\u00f3rias<\/span><\/h3><p><span style=\"font-weight: 400\">\u00c9 importante destacar que existem cl\u00e1usulas contratuais obrigat\u00f3rias a serem cumpridas entre a operadora do plano de sa\u00fade e os seus benefici\u00e1rios para a presta\u00e7\u00e3o dos servi\u00e7os de assist\u00eancia m\u00e9dica.<\/span><\/p><p><span style=\"font-weight: 400\">O Art. 16\u00b0 da Lei n\u00b09656\/98 elenca os seguintes requisitos para a ades\u00e3o:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Condi\u00e7\u00f5es de admiss\u00e3o;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">In\u00edcio da vig\u00eancia;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Os per\u00edodos de car\u00eancia para consultas, interna\u00e7\u00f5es, procedimentos m\u00e9dicos e exames;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">As faixas et\u00e1rias e os percentuais a que alude o <\/span><i><span style=\"font-weight: 400\">caput<\/span><\/i><span style=\"font-weight: 400\"> do art. 15;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Os eventos cobertos e exclu\u00eddos;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">O regime ou tipo de contrata\u00e7\u00e3o;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A \u00e1rea geogr\u00e1fica de abrang\u00eancia;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Os crit\u00e9rios de reajuste e revis\u00e3o das contrapresta\u00e7\u00f5es pecuni\u00e1rias.<\/span><\/li><\/ul><p><span style=\"font-weight: 400\">A todo consumidor titular de conv\u00eanio individual ou familiar ser\u00e1, obrigatoriamente entregue, uma c\u00f3pia do contrato, do regulamento ou das condi\u00e7\u00f5es gerais dos produtos de que tratam o inciso I e o \u00a7 1.\u00ba do art. 1<\/span><span style=\"font-weight: 400\">o<\/span><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m de um material explicativo que descreva, em linguagem simples, clara e precisa, todas as suas caracter\u00edsticas, direitos e obriga\u00e7\u00f5es.<\/span><\/p><h3><span style=\"font-weight: 400\">Proibi\u00e7\u00e3o do anulamento unilateral dos contratos<\/span><\/h3><p><span style=\"font-weight: 400\">A Lei dos Planos de Sa\u00fade determina que os contratos possuem renova\u00e7\u00e3o autom\u00e1tica a partir do vencimento do prazo inicial de vig\u00eancia, n\u00e3o cabendo a cobran\u00e7a de taxas ou qualquer outro valor no ato da renova\u00e7\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">A suspens\u00e3o ou rescis\u00e3o unilateral do acordo, em qualquer hip\u00f3tese, poder\u00e1 ser <\/span><span style=\"font-weight: 400\">durante a ocorr\u00eancia de interna\u00e7\u00e3o do titular. E, \u00e9 salvo <\/span><span style=\"font-weight: 400\">por fraude ou n\u00e3o-pagamento da mensalidade por per\u00edodo superior a sessenta dias.<\/span><\/p><h3><span style=\"font-weight: 400\">Implementa\u00e7\u00e3o do ressarcimento ao SUS<\/span><\/h3><p><span style=\"font-weight: 400\">Ser\u00e3o ressarcidos pelas operadoras, os servi\u00e7os de atendimento \u00e0 sa\u00fade previstos em contratos, prestados a seus consumidores e dependentes, em institui\u00e7\u00f5es p\u00fablicas ou privadas, conveniadas ou contratadas, do SUS.<\/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-59e41ea5 elementor-widget elementor-widget-heading\" data-id=\"59e41ea5\" 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 as principais mudan\u00e7as desde 1998?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4ab894 elementor-widget elementor-widget-text-editor\" data-id=\"d4ab894\" 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 a Lei n\u00b0 9656\/98 em vigor, as principais mudan\u00e7as acerca do funcionamento e do suporte m\u00e9dico prestado pelas operadoras de planos de sa\u00fade, s\u00e3o:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Coberturas obrigat\u00f3rias dos planos, que impede a exclus\u00e3o de qualquer doen\u00e7a;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Asseguramento da interna\u00e7\u00e3o hospitalar, sem limite de tempo;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Impedimento da sele\u00e7\u00e3o de risco;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Formas de aplica\u00e7\u00e3o de reajuste;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Garantias Financeiras;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Entre muitas outras regras.<\/span><\/li><\/ul><p><span style=\"font-weight: 400\">Aprovada em 1998, a<\/span><a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/L9656compilado.htm\" class=\"broken_link\"><b> Lei dos Planos de Sa\u00fade<\/b><\/a><span style=\"font-weight: 400\"> ajuda as empresas que prestam servi\u00e7os de assist\u00eancia m\u00e9dica a desempenharem as suas fun\u00e7\u00f5es corretamente, a fim de proporcionar um atendimento de qualidade.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, a legisla\u00e7\u00e3o trouxe consigo maior flexibilidade de escolha ao consumidor e estabelecimento de regras claras para proteger os direitos do benefici\u00e1rio.<\/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-3ef5c87b elementor-widget elementor-widget-heading\" data-id=\"3ef5c87b\" 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 fun\u00e7\u00e3o da ANS no que diz respeito \u00e0s leis 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-7b91adc elementor-widget elementor-widget-text-editor\" data-id=\"7b91adc\" 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 do surgimento da ANS e da Lei n\u00b0 9656\/98, as empresas de sa\u00fade trabalhavam conforme os seus pr\u00f3prios contratos, onde elas mesmas determinavam os direitos e deveres de ambas as partes.<\/span><\/p><p><span style=\"font-weight: 400\">Com isso, a ANS (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-a-ans\/\"><b>Ag\u00eancia Nacional de Sa\u00fade Suplementar<\/b><\/a><span style=\"font-weight: 400\">), passou a fiscalizar as operadoras que comercializam produtos e servi\u00e7os de sa\u00fade, atender as reclama\u00e7\u00f5es e sugest\u00f5es dos consumidores e esclarecer d\u00favidas.<\/span><\/p><p><span style=\"font-weight: 400\">Caso a lei e outras normas impostas para as prestadoras de servi\u00e7os n\u00e3o sejam cumpridas, a ag\u00eancia pode exigir o cumprimento das solicita\u00e7\u00f5es por meio de uma decis\u00e3o judicial.<\/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-1b04345 elementor-widget elementor-widget-heading\" data-id=\"1b04345\" 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\">A import\u00e2ncia do regulamento para o consumidor e operadora<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62caed59 elementor-widget elementor-widget-text-editor\" data-id=\"62caed59\" 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 hav\u00edamos falado anteriormente, antes da exist\u00eancia do regulamento, as operadoras de sa\u00fade criavam os seus pr\u00f3prios contratos, e determinavam os direitos e deveres das ambas as partes.<\/span><\/p><p><span style=\"font-weight: 400\">Essa situa\u00e7\u00e3o ocasionou v\u00e1rias controv\u00e9rsias para os clientes, uma delas ocorreu no processo de <\/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\"> para um novo plano. Em alguns casos, houve abusos em reajustes propostos para essa transi\u00e7\u00e3o de conv\u00eanios.<\/span><\/p><p><span style=\"font-weight: 400\">A Lei dos Planos de Sa\u00fade \u00e9 importante, pois estabelece os princ\u00edpios e exig\u00eancias que as prestadoras de servi\u00e7os e os seus produtos devem oferecer aos benefici\u00e1rios.<\/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-3d5200cb elementor-widget elementor-widget-heading\" data-id=\"3d5200cb\" 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\">Perante a lei, o que as operadoras devem cumprir?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e477f39 elementor-widget elementor-widget-text-editor\" data-id=\"4e477f39\" 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 partir da leitura da Lei dos Planos de Sa\u00fade, n\u00b0 9656\/98, \u00e9 poss\u00edvel conhecer detalhadamente todas as normas das assist\u00eancias e os seus direitos de consumidor.<\/span><\/p><p><span style=\"font-weight: 400\">Se deseja contratar um novo conv\u00eanio m\u00e9dico e garantir o melhor suporte para voc\u00ea e sua fam\u00edlia, \u00e9 importante estar atento(a) a alguns pontos que a Lei dos Planos de Sa\u00fade implementou. Confira a seguir quais s\u00e3o:<\/span><\/p><h3><span style=\"font-weight: 400\">Garantia de presta\u00e7\u00e3o de servi\u00e7os aos benefici\u00e1rios em tratamento<\/span><\/h3><p><span style=\"font-weight: 400\">A Lei dos Planos de Sa\u00fade determinou \u00e0s operadoras de conv\u00eanios a garantia de presta\u00e7\u00e3o de servi\u00e7os ao paciente benefici\u00e1rio internado ou em tratamento. <\/span><span style=\"font-weight: 400\">Inclu\u00eddo pela <\/span><a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/MPV\/2177-44.htm#art1\" class=\"broken_link\"><b>Medida Provis\u00f3ria<\/b><\/a><span style=\"font-weight: 400\"> n.\u00ba 2.177 \u2014 44, de 2001.<\/span><\/p><h3><span style=\"font-weight: 400\">Cobertura de procedimentos<\/span><\/h3><p><span style=\"font-weight: 400\">Perante a Lei dos Planos de Sa\u00fade \u00e9 um direito do benefici\u00e1rio ter acesso ao tratamento recomendado para garantir o seu bem-estar, por isso, as empresas n\u00e3o podem negar cobertura ou custeio de procedimentos.<\/span><\/p><p><span style=\"font-weight: 400\">A Lei n\u00b09656\/98 estabelece que mesmo que o procedimento n\u00e3o esteja descrito no rol m\u00ednimo exigido pela ANS, \u00e9 dever da operadora garantir a sa\u00fade e vida do seu assegurado.<\/span><\/p><h3><span style=\"font-weight: 400\">Per\u00edodos de car\u00eancias<\/span><\/h3><p><span style=\"font-weight: 400\">Na Lei dos Planos de Sa\u00fade h\u00e1 a exig\u00eancia que as operadoras tenham ao m\u00e1ximo o prazo de 24 horas para prestarem cobertura assistencial aos seus benefici\u00e1rios em casos de <\/span><b>urg\u00eancias e emerg\u00eancias.\u00a0<\/b><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, a norma pro\u00edbe que o conv\u00eanio m\u00e9dico fa\u00e7a a recontagem do per\u00edodo de car\u00eancias do paciente j\u00e1 cumprido, principalmente em casos em que h\u00e1 o atraso do pagamento das mensalidades.<\/span><\/p><p><span style=\"font-weight: 400\">Entretanto, se o benefici\u00e1rio realizar a troca para outra assist\u00eancia, a nova empresa n\u00e3o \u00e9 obrigada a aproveitar o tempo do suporte anterior.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">Reajustes<\/span><\/h3><p><span style=\"font-weight: 400\">Foi regulamentado na Lei n\u00b0 9656\/98 que todos os reajustes de mensalidades precisam ser justificados, e notificados previamente aos benefici\u00e1rios do plano de sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400\">Antes da implanta\u00e7\u00e3o da lei, muitos clientes da terceira idade sofriam com falta de cobertura em diversos procedimentos e eram obrigados a pagar parcelas com valores abusivos.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 determinado na Lei dos Planos de Sa\u00fade que os conv\u00eanios podem ter seus custos alterados somente em caso de mudan\u00e7a da faixa et\u00e1ria, ou conforme o <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/faq\/pergunte-ao-corretor-reajuste\/\"><b>reajuste anual<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Geralmente o aumento ocorre devido \u00e0 alta frequ\u00eancia da utiliza\u00e7\u00e3o dos servi\u00e7os, conhecido por <\/span><b>sinistralidade<\/b><span style=\"font-weight: 400\">. Qualquer mudan\u00e7a fora dos padr\u00f5es exigidos pela ANS \u00e9 considerado abusivo e podem gerar processos.<\/span><\/p><h3><span style=\"font-weight: 400\">Vig\u00eancia Do Contrato<\/span><\/h3><p><span style=\"font-weight: 400\">Conforme o Art. 13 da Lei n\u00b0 9656\/98, os produtos que tratam o <\/span><b><i>caput<\/i><\/b><span style=\"font-weight: 400\">, contratados individualmente, ter\u00e3o o per\u00edodo de vig\u00eancia m\u00ednimo de 1 ano, sendo vedada a recontagem de car\u00eancias depois desse prazo.<\/span><\/p><p><span style=\"font-weight: 400\">Os conv\u00eanios m\u00e9dicos ser\u00e3o renovados automaticamente a partir do vencimento da dura\u00e7\u00e3o inicial, entretanto a empresa n\u00e3o poder\u00e1 cobrar taxas de renova\u00e7\u00e3o para acordos individuais.<\/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-13eb01d4 elementor-widget elementor-widget-heading\" data-id=\"13eb01d4\" 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 acontece se ocorrer o descumprimento da Lei dos Planos 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-31d600aa elementor-widget elementor-widget-text-editor\" data-id=\"31d600aa\" 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\">Caso a operadora descumpra alguma das normas impostas pela Lei dos Planos de Sa\u00fade, como o reajuste abusivo, a empresa estar\u00e1 sujeita a multas, advert\u00eancias e inabilita\u00e7\u00e3o permanente das suas atividades.<\/span><\/p><p><span style=\"font-weight: 400\">As infra\u00e7\u00f5es ser\u00e3o apuradas mediante processo administrativo que tenha por base o auto de infra\u00e7\u00e3o ou den\u00fancia dos fatos, cabendo \u00e0 ANS dispor sobre as normas, recursos, inst\u00e2ncias e prazos.<\/span><\/p><p><span style=\"font-weight: 400\">O Art. 35\u00b0 prev\u00ea que a Ag\u00eancia Nacional de Sa\u00fade Suplementar poder\u00e1 aplicar \u00e0s operadoras que descumprirem as normas, uma multa de at\u00e9 1 milh\u00e3o de reais.<\/span><\/p><p><span style=\"font-weight: 400\">Segundo as regras, \u00e9 obrigat\u00f3ria a cobertura do atendimento nos casos:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">De emerg\u00eancia, como tal definidos os que implicarem risco imediato de vida ou de les\u00f5es irrepar\u00e1veis para o paciente;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Para urg\u00eancia, assim entendidos os resultantes de acidentes pessoais ou de complica\u00e7\u00f5es no processo gestacional.<\/span><\/li><\/ul>\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-3c0d0c0e elementor-widget elementor-widget-heading\" data-id=\"3c0d0c0e\" 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\">Deseja contratar um plano de sa\u00fade? Conhe\u00e7a a Compare!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78617c1d elementor-widget elementor-widget-text-editor\" data-id=\"78617c1d\" 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\">Est\u00e1 em busca de uma corretora de planos de <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\"><span style=\"font-weight: 400\">sa\u00fade<\/span><\/a><span style=\"font-weight: 400\">, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-odontologico\/\"><span style=\"font-weight: 400\">odontol\u00f3gicos<\/span><\/a><span style=\"font-weight: 400\"> ou <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/porto-pet\/\"><span style=\"font-weight: 400\">pets<\/span><\/a><span style=\"font-weight: 400\"> que ofere\u00e7a seguran\u00e7a e comprometimento em cada etapa da contrata\u00e7\u00e3o? A <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>Compare<\/b><\/a> <span style=\"font-weight: 400\">\u00e9 a op\u00e7\u00e3o ideal!<\/span><\/p><p><span style=\"font-weight: 400\">Com o aux\u00edlio dos especialistas da nossa corretora, voc\u00ea n\u00e3o ter\u00e1 que se preocupar com poss\u00edveis surpresas ap\u00f3s ter realizado a ades\u00e3o de um novo conv\u00eanio m\u00e9dico.<\/span><\/p><p><span style=\"font-weight: 400\">Com um acompanhamento na pr\u00e9 e p\u00f3s-venda, ser\u00e1 analisado cuidadosamente por um especialista, as normas do contrato, prazos, car\u00eancias, cobertura, abrang\u00eancia, rede credenciada e muito mais.<\/span><\/p><p><span style=\"font-weight: 400\">Conhe\u00e7a mais sobre a nossa empresa e os produtos que oferecemos. Aproveite para escolher a melhor op\u00e7\u00e3o de assist\u00eancia m\u00e9dica e realize uma <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/cotacao-online\/\"><b>cota\u00e7\u00e3o online<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, disponibilizamos em caso de ades\u00e3o at\u00e9 40% de desconto no primeiro m\u00eas, n\u00e3o perca a oportunidade de se tornar um dos nossos clientes, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>entre em contato<\/b><\/a><span style=\"font-weight: 400\"> conosco hoje mesmo!<\/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-1888607 elementor-widget elementor-widget-heading\" data-id=\"1888607\" 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 motivos para contratar um 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-e7ca5b elementor-widget elementor-widget-text-editor\" data-id=\"e7ca5b\" 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\">Investir em um plano de sa\u00fade \u00e9 um <\/span><b>diferencial <\/b><span style=\"font-weight: 400\">que poder\u00e1 te garantir uma maior qualidade de vida, sensa\u00e7\u00e3o de bem-estar, oferecendo um excelente custo-benef\u00edcio.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Ainda est\u00e1 em d\u00favida se um conv\u00eanio m\u00e9dico \u00e9 uma boa escolha para voc\u00ea, sua fam\u00edlia ou empreendimento? Acompanhe a seguir 3 motivos para contratar uma assist\u00eancia particular!<\/span><\/p><h3><span style=\"font-weight: 400\">1. Garantia de assist\u00eancia<\/span><\/h3><p><span style=\"font-weight: 400\">Com um conv\u00eanio m\u00e9dico de qualidade, voc\u00ea ter\u00e1 acesso a hospitais, laborat\u00f3rios e centros m\u00e9dicos que ir\u00e3o te garantir uma assist\u00eancia m\u00e9dica r\u00e1pida e eficaz, principalmente em situa\u00e7\u00f5es de urg\u00eancia e emerg\u00eancia.<\/span><\/p><h3><span style=\"font-weight: 400\">2. Medicina preventiva<\/span><\/h3><p><span style=\"font-weight: 400\">Com acesso a uma assist\u00eancia m\u00e9dica de qualidade, voc\u00ea poder\u00e1 realizar check-ups, exames e consultas de rotina para acompanhar o estado da sua sa\u00fade e o surgimento novas de doen\u00e7a com os melhores profissionais.<\/span><\/p><p><span style=\"font-weight: 400\">A partir das an\u00e1lises cl\u00ednicas de rotina \u00e9 poss\u00edvel acompanhar o surgimento de novas enfermidades e trat\u00e1-las precocemente com a ajuda de especialistas.<\/span><\/p><h3><span style=\"font-weight: 400\">3. Facilidade de acesso a tratamento<\/span><\/h3><p><span style=\"font-weight: 400\">Adeus as enormes filas de espera para atendimento! Com um conv\u00eanio m\u00e9dico voc\u00ea e seus dependentes ter\u00e3o um acesso r\u00e1pido e f\u00e1cil aos melhores locais de atendimento do pa\u00eds.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 importante se prevenir para poss\u00edveis situa\u00e7\u00f5es em que nossa sa\u00fade est\u00e1 fragilizada, ent\u00e3o que tal contratar um plano de sa\u00fade com uma das melhores corretoras do pa\u00eds? <\/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>Entre em contato<\/b><\/a><span style=\"font-weight: 400\"> conosco e saiba 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-23f168a3 elementor-widget elementor-widget-heading\" data-id=\"23f168a3\" 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 frequentes sobre a Lei dos Planos de Sa\u00fade (guia r\u00e1pido)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e4e7ac7 elementor-widget elementor-widget-text-editor\" data-id=\"4e4e7ac7\" 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\">Conferiu o nosso artigo sobre a Lei dos Planos de Sa\u00fade, mas ainda ficou com d\u00favidas sobre ela e as suas cl\u00e1usulas? Ent\u00e3o confira a seguir o guia r\u00e1pido com as d\u00favidas mais frequentes sobre a legisla\u00e7\u00e3o n\u00b0 9565\/98.<\/span><\/p><h3><span style=\"font-weight: 400\">Quem supervisiona as operadoras sobre o cumprimento da Lei dos Planos de Sa\u00fade?<\/span><\/h3><p><span style=\"font-weight: 400\">A<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-a-ans\/\"><b>ANS<\/b><\/a> <span style=\"font-weight: 400\">(Ag\u00eancia Nacional de Sa\u00fade Suplementar) \u00e9 o \u00f3rg\u00e3o respons\u00e1vel por fiscalizar e controlar as atividades das operadoras de planos de sa\u00fade, visando garantir maior qualidade do servi\u00e7o aos benefici\u00e1rios.<\/span><\/p><h3><span style=\"font-weight: 400\">Perante a Lei, qual o prazo legal para o cancelamento de um plano de sa\u00fade?<\/span><\/h3><p><span style=\"font-weight: 400\">Conforme a Lei dos Planos de Sa\u00fade, as operadoras podem cancelar o conv\u00eanio m\u00e9dico dos seus benefici\u00e1rios que n\u00e3o efetuam o pagamento das mensalidades h\u00e1 60 dias.<\/span><\/p><p><span style=\"font-weight: 400\">A revoga\u00e7\u00e3o tamb\u00e9m \u00e9 permitido em caso de fraudes. Em qualquer outro caso, a assist\u00eancia individual n\u00e3o poder\u00e1 ser cancelado.<\/span><\/p><h3><span style=\"font-weight: 400\">A Lei dos Planos de Sa\u00fade pode sofrer altera\u00e7\u00f5es a qualquer momento?<\/span><\/h3><p><span style=\"font-weight: 400\">A Lei dos Planos de Sa\u00fade foi promulgada em 1988, entretanto, desde l\u00e1 j\u00e1 sofreu altera\u00e7\u00f5es com o intuito de melhorar a experi\u00eancia do benefici\u00e1rio com a assist\u00eancia m\u00e9dica do conv\u00eanio.<\/span><\/p><p><span style=\"font-weight: 400\">Sua \u00faltima altera\u00e7\u00e3o ocorreu em 2014, com a Lei n\u00b0 13.033, de 24 de junho, que torna obrigat\u00f3ria a exist\u00eancia de contratos escritos entre as operadoras e os seus prestadores de servi\u00e7os.<\/span><\/p><p><span style=\"font-weight: 400\">Apesar disso, a Lei dos Planos de Sa\u00fade pode sofrer mudan\u00e7as a qualquer momento, mas suas modifica\u00e7\u00f5es ser\u00e3o previamente notificadas as seguradoras, locais credenciados e usu\u00e1rios.<\/span><\/p><p><span style=\"font-weight: 400\">Ainda restaram d\u00favidas sobre essa importante legisla\u00e7\u00e3o imposta aos respons\u00e1veis pela assist\u00eancia m\u00e9dica? Aproveite para san\u00e1-las com um dos nossos <\/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>especialistas<\/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-7dab3319 elementor-widget elementor-widget-heading\" data-id=\"7dab3319\" 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-69447675 elementor-widget elementor-widget-text-editor\" data-id=\"69447675\" 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 voc\u00ea p\u00f4de observar, compreender a Lei dos Planos de Sa\u00fade \u00e9 muito importante para realizar a contrata\u00e7\u00e3o de uma nova assist\u00eancia com seguran\u00e7a.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, conte com a ajuda da Compare, uma corretora de <\/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>odontol\u00f3gicos<\/b><\/a><span style=\"font-weight: 400\"> e <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/porto-pet\/\"><b>pets<\/b><\/a><span style=\"font-weight: 400\">, que tem mais de <\/span><b>10 anos<\/b><span style=\"font-weight: 400\"> no mercado, oferecendo os melhores <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/compare-seguros-beneficios\/\"><b>benef\u00edcios<\/b><\/a><span style=\"font-weight: 400\"> e vantagens.<\/span><\/p><p><span style=\"font-weight: 400\">N\u00e3o perca a oportunidade de garantir seu suporte, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\"><b>entre em contato<\/b><\/a><span style=\"font-weight: 400\"> conosco hoje mesmo e ganhe at\u00e9 40% de desconto no 1.\u00b0 m\u00eas.<\/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-1125e852\" data-id=\"1125e852\" 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-a46dd40 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a46dd40\" 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-4b459cf\" data-id=\"4b459cf\" 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-3f44b17 elementor-widget elementor-widget-global elementor-global-249508 elementor-widget-shortcode\" data-id=\"3f44b17\" 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 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href=\"https:\/\/api.whatsapp.com\/send?phone=5511913593086&#038;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!%20Desejo%20iniciar%20o%20atendimento%20via%20913593086\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Iniciar WhatsApp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2fd07a6c\" data-id=\"2fd07a6c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f04cf0e elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"1f04cf0e\" data-element_type=\"widget\" id=\"btn-chat\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/cotacao-online\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-comments\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M532 386.2c27.5-27.1 44-61.1 44-98.2 0-80-76.5-146.1-176.2-157.9C368.3 72.5 294.3 32 208 32 93.1 32 0 103.6 0 192c0 37 16.5 71 44 98.2-15.3 30.7-37.3 54.5-37.7 54.9-6.3 6.7-8.1 16.5-4.4 25 3.6 8.5 12 14 21.2 14 53.5 0 96.7-20.2 125.2-38.8 9.2 2.1 18.7 3.7 28.4 4.9C208.1 407.6 281.8 448 368 448c20.8 0 40.8-2.4 59.8-6.8C456.3 459.7 499.4 480 553 480c9.2 0 17.5-5.5 21.2-14 3.6-8.5 1.9-18.3-4.4-25-.4-.3-22.5-24.1-37.8-54.8zm-392.8-92.3L122.1 305c-14.1 9.1-28.5 16.3-43.1 21.4 2.7-4.7 5.4-9.7 8-14.8l15.5-31.1L77.7 256C64.2 242.6 48 220.7 48 192c0-60.7 73.3-112 160-112s160 51.3 160 112-73.3 112-160 112c-16.5 0-33-1.9-49-5.6l-19.8-4.5zM498.3 352l-24.7 24.4 15.5 31.1c2.6 5.1 5.3 10.1 8 14.8-14.6-5.1-29-12.3-43.1-21.4l-17.1-11.1-19.9 4.6c-16 3.7-32.5 5.6-49 5.6-54 0-102.2-20.1-131.3-49.7C338 339.5 416 272.9 416 192c0-3.4-.4-6.7-.7-10C479.7 196.5 528 238.8 528 288c0 28.7-16.2 50.6-29.7 64z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Chat Online <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1615e4fc\" data-id=\"1615e4fc\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3da953e7 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3da953e7\" data-element_type=\"widget\" id=\"btn-cotacao\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/cotacao-online\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cotar Online <\/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-50 elementor-top-column elementor-element elementor-element-7b0cb48\" data-id=\"7b0cb48\" 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-28551e94 elementor-widget elementor-widget-image\" data-id=\"28551e94\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"671\" 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\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Neste artigo, entenda as diferen\u00e7as entre sa\u00fade suplementar e complementar, como elas operam, exemplos de cada uma e muito mais! | Compare<\/p>\n","protected":false},"author":27,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[118],"tags":[],"class_list":["post-248657","post","type-post","status-publish","format-standard","hentry","category-duvidas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lei dos Planos de Sa\u00fade: Como funciona? {Lei n\u00b0 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