{"id":249132,"date":"2023-03-02T17:55:53","date_gmt":"2023-03-02T17:55:53","guid":{"rendered":"https:\/\/compareplanodesaude.com.br\/blog-saude\/?p=249132"},"modified":"2024-02-23T10:21:00","modified_gmt":"2024-02-23T10:21:00","slug":"agravo-no-plano-de-saude","status":"publish","type":"post","link":"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/agravo-no-plano-de-saude\/","title":{"rendered":"Agravo no Plano de Sa\u00fade"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"249132\" class=\"elementor elementor-249132\" 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-6e88ab68 elementor-widget elementor-widget-heading\" data-id=\"6e88ab68\" 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\">Agravo no Plano de Sa\u00fade: o que \u00e9 e como funciona?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ab573a6 elementor-widget elementor-widget-text-editor\" data-id=\"5ab573a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">O <\/span><b>agravo no plano de sa\u00fade<\/b><span style=\"font-weight: 400\"> \u00e9 um recurso que os contratantes de um conv\u00eanio, portadores de alguma doen\u00e7a ou les\u00e3o preexistente, podem utilizar. Ao inv\u00e9s de cumprirem as car\u00eancias, eles podem pagar este agravo.<\/span><\/p><p><span style=\"font-weight: 400\">Est\u00e1 buscando contratar um plano de sa\u00fade e n\u00e3o sabe o <\/span><i><span style=\"font-weight: 400\">que \u00e9, como funciona e quais s\u00e3o as regras<\/span><\/i><span style=\"font-weight: 400\"> do agravo no plano de sa\u00fade? Pois saiba que neste artigo voc\u00ea vai conhecer as principais informa\u00e7\u00f5es sobre o tema.<\/span><\/p><p><span style=\"font-weight: 400\">Aproveite para contratar um conv\u00eanio m\u00e9dico com <\/span><b>at\u00e9 40% de desconto na 1\u00b0 mensalidade<\/b><span style=\"font-weight: 400\"> com a <\/span><b>Compare<\/b><span style=\"font-weight: 400\">, a corretora recordista de vendas no Brasil. <\/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\/249132\" data-token=\"483542204c453e275d79697f762fe504\" data-token-time=\"1779250933\"><div class=\"wpforms-head-container\"><div class=\"wpforms-title\">Garanta o seu Desconto de at\u00e9 40%<\/div><\/div><noscript class=\"wpforms-error-noscript\">Ative o JavaScript no seu navegador para preencher este formul\u00e1rio.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-76780-field_16-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"16\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_16\">Nome <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-76780-field_16\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][16]\" placeholder=\"Insira seu nome\" required><\/div><div id=\"wpforms-76780-field_2-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"2\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-76780-field_2\">E-mail <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-76780-field_2\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][2]\" placeholder=\"Insira seu E-mail\" spellcheck=\"false\" required><\/div><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>\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 plano Possui<\/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_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\/249132\"><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-5c092343 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c092343\" 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-7c957e41\" data-id=\"7c957e41\" 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\" 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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-e13ad80\" data-id=\"e13ad80\" 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-2fdf3c74 elementor-widget elementor-widget-heading\" data-id=\"2fdf3c74\" 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 o agravo no 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-297fc979 elementor-widget elementor-widget-text-editor\" data-id=\"297fc979\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">O <\/span><b>agravo no plano de sa\u00fade<\/b><span style=\"font-weight: 400\"> \u00e9 uma boa op\u00e7\u00e3o para os contratantes que possuem <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/doenca-preexistente\/\"><b>Doen\u00e7as e Les\u00f5es Preexistentes<\/b><\/a><span style=\"font-weight: 400\"> terem direito ao atendimento m\u00e9dico sem precisar esperar os <\/span><b>24 meses de car\u00eancia.<\/b><\/p><p><span style=\"font-weight: 400\">As car\u00eancias determinadas exclusivamente para as DLP\u2019s, \u00e9 a chamada de <\/span><b>CPT <\/b><span style=\"font-weight: 400\">(ou <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-parcial-temporaria\/\"><b>Cobertura Parcial Tempor\u00e1ria<\/b><\/a><span style=\"font-weight: 400\">), que se limita apenas a procedimentos de alta complexidade relacionados \u00e0 doen\u00e7a preexistente.<\/span><\/p><p><span style=\"font-weight: 400\">O agravo no plano de sa\u00fade corresponde a uma <\/span><b>tarifa extra<\/b><span style=\"font-weight: 400\"> que o benefici\u00e1rio pagar\u00e1 no valor da mensalidade do plano. O valor pode variar conforme as despesas adicionais estimadas pela operadora.<\/span><\/p><p><span style=\"font-weight: 400\">O c\u00e1lculo do valor <\/span><i><span style=\"font-weight: 400\">agravante<\/span><\/i><span style=\"font-weight: 400\"> ser\u00e1 estabelecido por uma livre negocia\u00e7\u00e3o entre a operadora e o consumidor. Ap\u00f3s a negocia\u00e7\u00e3o, o benefici\u00e1rio ter\u00e1 o direito de receber a proposta e avaliar se a op\u00e7\u00e3o vale a pena.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 importante ressaltar que, caso o contratante opte pelo pagamento do agravo no plano de sa\u00fade, ele n\u00e3o estar\u00e1 isento das outras <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/perguntas-frequentes\/carencia-plano-de-saude\/\"><b>car\u00eancias contratuais<\/b><\/a><span style=\"font-weight: 400\">, como as de <\/span><i><span style=\"font-weight: 400\">exames de alta complexidade, terapias e cirurgias.<\/span><\/i><\/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-4ece594 elementor-widget elementor-widget-heading\" data-id=\"4ece594\" 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\">Compreenda as altera\u00e7\u00f5es nas car\u00eancias contratuais<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5a0294 elementor-widget elementor-widget-text-editor\" data-id=\"3a5a0294\" 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\">Mesmo que pare\u00e7am semelhantes, \u00e9 importante que antes de contratar um novo plano de sa\u00fade voc\u00ea busque conhecer as car\u00eancias contratuais e os tipos de cobertura do conv\u00eanio, para n\u00e3o confundi-los futuramente.<\/span><\/p><p><span style=\"font-weight: 400\">A seguir, voc\u00ea ir\u00e1 conferir uma lista completa com as poss\u00edveis altera\u00e7\u00f5es que podem ocorrer dentro do seu plano de sa\u00fade.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">Cobertura Total<\/span><\/h3><p><span style=\"font-weight: 400\">O Art. 6\u00b0 da <\/span><a href=\"https:\/\/www.ans.gov.br\/component\/legislacao\/?view=legislacao&amp;task=TextoLei&amp;format=raw&amp;id=MTIyMw==\"><b>Resolu\u00e7\u00e3o Normativa 162\/07 da ANS<\/b><\/a><span style=\"font-weight: 400\">, prev\u00ea que a operadora poder\u00e1 oferecer a cobertura total, sem cobrar taxas extras ao usu\u00e1rio, mas caso n\u00e3o opte, dever\u00e1 obrigatoriamente oferecer a CPT ou <\/span><b>agravo<\/b><span style=\"font-weight: 400\">.<\/span><\/p><ul><li><i><span style=\"font-weight: 400\"> 1\u00ba Caso a operadora opte pelo n\u00e3o oferecimento de cobertura total, dever\u00e1 neste momento, oferecer CPT. O oferecimento de CPT neste caso \u00e9 obrigat\u00f3rio, sendo facultado o oferecimento de Agravo como op\u00e7\u00e3o \u00e0 CPT.<\/span><\/i><\/li><\/ul><h3><span style=\"font-weight: 400\">Cobertura Parcial Tempor\u00e1ria (CPT)<\/span><\/h3><p><span style=\"font-weight: 400\">A Cobertura Parcial Tempor\u00e1ria (ou <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/cobertura-parcial-temporaria\/\"><b>CPT<\/b><\/a><span style=\"font-weight: 400\">) no plano de sa\u00fade, \u00e9 o per\u00edodo de <\/span><b>24 meses <\/b><span style=\"font-weight: 400\">que o benefici\u00e1rio ficar\u00e1 isento do direito \u00e0 cobertura integral do conv\u00eanio m\u00e9dico.<\/span><\/p><p><span style=\"font-weight: 400\">A CPT \u00e9 aplicada pela operadora quando o benefici\u00e1rio do plano \u00e9 portador de alguma Doen\u00e7a ou Les\u00e3o Preexistente (DLP) e a informa na<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-declaracao-saude\/\"><b>Declara\u00e7\u00e3o de Sa\u00fade<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 importante saber que a CPT \u00e9 aplicada para cirurgias, leitos de alta tecnologia e procedimentos de alta complexidade. Para procedimentos simples, como consultas e exames, a cobertura deve ser garantida. <\/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-40653814 elementor-widget elementor-widget-heading\" data-id=\"40653814\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Como funciona o agravo no 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-625b8f75 elementor-widget elementor-widget-text-editor\" data-id=\"625b8f75\" 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\">Da mesma forma que as car\u00eancias contratuais possuem per\u00edodos diferentes para cada procedimento, o agravo no plano de sa\u00fade tamb\u00e9m possui condi\u00e7\u00f5es distintas para cada tipo de plano.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Confira, a seguir, como funciona este recurso t\u00e3o essencial em cada tipo de plano:<\/span><\/p><h3><span style=\"font-weight: 400\">Planos empresariais<\/span><\/h3><p><span style=\"font-weight: 400\">Em <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-empresarial\/\"><b>conv\u00eanios empresariais<\/b><\/a><span style=\"font-weight: 400\"> com <\/span><b>mais de 30 vidas<\/b><span style=\"font-weight: 400\"> n\u00e3o ser\u00e1 permitida a aplica\u00e7\u00e3o do agravo no plano de sa\u00fade, entretanto, em planos com menos de 30 participantes, a aplica\u00e7\u00e3o \u00e9 leg\u00edtima.<\/span><\/p><h3><span style=\"font-weight: 400\">Planos coletivos por ades\u00e3o<\/span><\/h3><p><span style=\"font-weight: 400\">Diferentemente dos planos empresariais, os <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/plano-coletivo-por-adesao\/\"><b>planos coletivos por ades\u00e3o<\/b><\/a><span style=\"font-weight: 400\"> ter\u00e3o a aplica\u00e7\u00e3o do agravo no plano de sa\u00fade permitida independentemente da quantidade de participantes.<\/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-1fff33a0 elementor-widget elementor-widget-heading\" data-id=\"1fff33a0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Como solicitar o agravo no 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-522f258b elementor-widget elementor-widget-text-editor\" data-id=\"522f258b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">O <\/span><b>agravo<\/b><span style=\"font-weight: 400\"> \u00e9 uma \u00f3tima op\u00e7\u00e3o para substituir a Cobertura Parcial Tempor\u00e1ria. Ele permitir\u00e1 que o benefici\u00e1rio tenha acesso a procedimentos de alta complexidade <\/span><b>sem o cumprimento do prazo das car\u00eancias contratuais.<\/b><\/p><p><span style=\"font-weight: 400\">Para solicitar a aplica\u00e7\u00e3o do agravo no plano de sa\u00fade e se livrar da CPT \u00e9 muito simples: basta entrar em contato com a operadora e realizar uma negocia\u00e7\u00e3o direta.<\/span><\/p><p><span style=\"font-weight: 400\">O c\u00e1lculo do valor ser\u00e1 realizado pela pr\u00f3pria prestadora, e voc\u00ea ter\u00e1 a oportunidade de avaliar a proposta, valores e c\u00e1lculos antes de realizar a contrata\u00e7\u00e3o e se certificar se vale a pena pagar ou n\u00e3o pelo agravo.<\/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-6861a2d9 elementor-widget elementor-widget-heading\" data-id=\"6861a2d9\" 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\">Todas as operadoras aceitam solicita\u00e7\u00e3o de agravo no 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-744c7f75 elementor-widget elementor-widget-text-editor\" data-id=\"744c7f75\" 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\">Segundo as normas impostas pela <\/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), a aceita\u00e7\u00e3o da solicita\u00e7\u00e3o de agravo no plano de sa\u00fade pela operadora \u00e9 <\/span><b>opcional<\/b><span style=\"font-weight: 400\">, conforme consta na RN n\u00b0162\/08.<\/span><\/p><p><i><span style=\"font-weight: 400\">Art. 6\u00b0 Sendo constatada por per\u00edcia ou na entrevista qualificada ou atrav\u00e9s de declara\u00e7\u00e3o expressa do benefici\u00e1rio, a exist\u00eancia de doen\u00e7a ou les\u00e3o que possa gerar necessidade de eventos cir\u00fargicos, de uso de leitos de alta tecnologia e de procedimentos de alta complexidade, a operadora poder\u00e1 oferecer cobertura total no caso de doen\u00e7as ou les\u00f5es preexistentes, sem qualquer \u00f4nus adicional para o benefici\u00e1rio.<\/span><\/i><\/p><ul><li><i><span style=\"font-weight: 400\">1\u00ba Caso a operadora opte pelo n\u00e3o oferecimento de cobertura total, dever\u00e1 neste momento, oferecer CPT. O oferecimento de CPT neste caso \u00e9 obrigat\u00f3rio, sendo facultado o oferecimento de agravo como op\u00e7\u00e3o \u00e0 CPT.<\/span><\/i><\/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-3e252e14 elementor-widget elementor-widget-heading\" data-id=\"3e252e14\" 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\">Normas da ANS sobre o agravo no 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-49c0768d elementor-widget elementor-widget-text-editor\" data-id=\"49c0768d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Os benefici\u00e1rios que optarem pelo agravo no plano de sa\u00fade ter\u00e3o o direito de receber uma proposta da empresa com o esclarecimento dos valores agravados, para o cliente avaliar se a op\u00e7\u00e3o vale a pena ou n\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">Conforme a <\/span><a href=\"https:\/\/bvsms.saude.gov.br\/bvs\/saudelegis\/ans\/2007\/res0162_17_10_2007.html\"><b>Resolu\u00e7\u00e3o Normativa n\u00b0 162\/07<\/b><\/a><span style=\"font-weight: 400\">, da Ag\u00eancia Nacional de Sa\u00fade Suplementar, o agravo no plano de sa\u00fade dever\u00e1 ser regido por um aditivo contratual espec\u00edfico, o qual dever\u00e1 conter:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">O percentual ou valor do agravo;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Per\u00edodo de vig\u00eancia do agravo.<\/span><\/li><\/ul><p><span style=\"font-weight: 400\">O agravo no plano de sa\u00fade s\u00f3 poder\u00e1 ser interposto referente \u00e0 patologia que necessite de leitos de alta tecnologia e procedimentos de alta complexidade (exames e cirurgias).<\/span><\/p><p><span style=\"font-weight: 400\">O percentual extra na mensalidade deve se estender ao m\u00e1ximo pelo <\/span><b>prazo de 24 meses.<\/b><\/p><h3><span style=\"font-weight: 400\">Quem \u00e9 a ANS?<\/span><\/h3><p><span style=\"font-weight: 400\">A <\/span><b>Ag\u00eancia de Sa\u00fade Suplementar (<\/b><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-a-ans\/\"><b>ANS<\/b><\/a><b>) <\/b><span style=\"font-weight: 400\">\u00e9 o \u00f3rg\u00e3o respons\u00e1vel pelo controle, regula\u00e7\u00e3o, fiscaliza\u00e7\u00e3o e normatiza\u00e7\u00e3o das atividades exercidas pelas operadoras de assist\u00eancia privada \u00e0 sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400\">Vinculada ao Minist\u00e9rio da Sa\u00fade, a ANS surgiu por meio da Lei n\u00b0 9.961\/2000, que lhe concedeu direitos administrativos, financeiros, patrimoniais e gest\u00e3o de recursos.<\/span><\/p><p><span style=\"font-weight: 400\">Confira a seguir algumas das <\/span><b>principais atribui\u00e7\u00f5es da ANS:<\/b><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Formular indicadores de qualidade de cobertura assistencial;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Concess\u00e3o, manuten\u00e7\u00e3o e cancelamento de registros de produtos;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Monitoramento e controle da evolu\u00e7\u00e3o de pre\u00e7os ao consumidor;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Delibera\u00e7\u00f5es a respeito do registro de novas operadoras e planos;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An\u00e1lise de fus\u00f5es e aquisi\u00e7\u00f5es no setor da sa\u00fade suplementar;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Concentra\u00e7\u00e3o e divulga\u00e7\u00e3o de dados do setor.<\/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-2663809 elementor-widget elementor-widget-heading\" data-id=\"2663809\" 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\">Conhe\u00e7a o c\u00e1lculo do agravo no 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-7701e95c elementor-widget elementor-widget-text-editor\" data-id=\"7701e95c\" 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\">\u00c9 importante saber que o agravo no plano de sa\u00fade n\u00e3o possui um valor fixo, ou seja, o valor poder\u00e1 ser negociado livremente entre a operadora e o benefici\u00e1rio.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m da negocia\u00e7\u00e3o direta com o contratante, o valor do agravo no plano de sa\u00fade leva em considera\u00e7\u00e3o as condi\u00e7\u00f5es m\u00e9dicas do benefici\u00e1rio e os gastos estimados para o tratamento da enfermidade preexistente.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18a20310 elementor-widget elementor-widget-heading\" data-id=\"18a20310\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9 necess\u00e1rio pagar o agravo no plano de sa\u00fade para crian\u00e7as que nasceram com alguma doen\u00e7a?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5efa65 elementor-widget elementor-widget-text-editor\" data-id=\"7b5efa65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">O plano de sa\u00fade com cobertura obst\u00e9trica assegura a inclus\u00e3o do filho natural ou adotivo como dependente, isento do cumprimento de car\u00eancias, desde que a inscri\u00e7\u00e3o ao conv\u00eanio de sa\u00fade ocorra em <\/span><b>at\u00e9 30 dias.<\/b><\/p><p><span style=\"font-weight: 400\">Se a crian\u00e7a portadora de alguma doen\u00e7a cong\u00eanita for inscrita dentro desse prazo ao plano, a operadora n\u00e3o poder\u00e1 negar atendimento \u00e0 Les\u00e3o ou Doen\u00e7as Preexistentes, ou exigir o pagamento do agravo no plano de sa\u00fade.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68352482 elementor-widget elementor-widget-heading\" data-id=\"68352482\" 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 quem \u00e9 a Compare e os seus benef\u00edcios<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c26678 elementor-widget elementor-widget-text-editor\" data-id=\"15c26678\" 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 Compare \u00e9 uma <\/span><b>empresa especializada<\/b><span style=\"font-weight: 400\"> na comercializa\u00e7\u00e3o de planos de <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\"><b>sa\u00fade<\/b><\/a><span style=\"font-weight: 400\">, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/porto-pet\/\"><b>pet<\/b><\/a> <span style=\"font-weight: 400\">e <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-odontologico\/\"><b>odontol\u00f3gicos<\/b><\/a> <span style=\"font-weight: 400\">para pessoas f\u00edsicas e empresas de pequeno, m\u00e9dio e grande porte.<\/span><\/p><p><span style=\"font-weight: 400\">Com <\/span><b>mais de 10 anos no mercado<\/b><span style=\"font-weight: 400\">, a Compare Seguros conta com uma equipe altamente capacitada e uma <\/span><b>metodologia 360\u00b0<\/b><span style=\"font-weight: 400\"> que oferece aos clientes a possibilidade de encontrar o conv\u00eanio ideal por um pre\u00e7o justo.<\/span><\/p><p><span style=\"font-weight: 400\">Hoje atendemos mais de 5 mil empresas de todos os portes, 3 mil fam\u00edlias e mais de 1000 pets. Fa\u00e7a parte da nossa rede de clientes e conhe\u00e7a os nossos principais benef\u00edcios a seguir:<\/span><\/p><h3><span style=\"font-weight: 400\">Custos acess\u00edveis\u00a0<\/span><\/h3><p><span style=\"font-weight: 400\">Devido a sua parceria com as principais operadoras de planos de sa\u00fade do pa\u00eds, a Compare Seguros oferta os melhores pre\u00e7os do mercado e <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/garanta-seu-desconto\/\"><b>descontos<\/b><\/a> <b>de at\u00e9 50%<\/b><span style=\"font-weight: 400\"> nas primeiras mensalidades.<\/span><\/p><h3><span style=\"font-weight: 400\">Gest\u00e3o de seguros online<\/span><\/h3><p><span style=\"font-weight: 400\">Com o nosso novo aplicativo voc\u00ea poder\u00e1 gerenciar os seus planos de sa\u00fade em qualquer lugar e a qualquer momento com apenas alguns cliques no seu smartphone.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">Gest\u00e3o de sinistros<\/span><\/h3><p><span style=\"font-weight: 400\">Para prevenir surpresas futuras na mensalidade do seu conv\u00eanio m\u00e9dico, a Compare conta com uma an\u00e1lise anual da ap\u00f3lice para te proteger de poss\u00edveis <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/faq\/pergunte-ao-corretor-reajuste\/\"><b>reajustes<\/b><\/a> <span style=\"font-weight: 400\">elevados.<\/span><\/p><h3><span style=\"font-weight: 400\">Atendimento 100% online<\/span><\/h3><p><span style=\"font-weight: 400\">Para simplificar a contrata\u00e7\u00e3o do plano de sa\u00fade e torn\u00e1-la acess\u00edvel a um n\u00famero maior de clientes, a Compare possui um atendimento 100% online e 24 horas, para atender nossos consumidores que vivem na correria cotidiana.<\/span><\/p><h3><span style=\"font-weight: 400\">Reembolso simplificado<\/span><\/h3><p><span style=\"font-weight: 400\">Para facilitar na hora de receber o seu reembolso, a Compare conta com uma equipe pr\u00f3pria de solicita\u00e7\u00e3o de reembolsos. Para isso, envie o comprovante de reembolso para nosso e-mail e aguarde o retorno do seu valor.<\/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-3f8050e7 elementor-widget elementor-widget-heading\" data-id=\"3f8050e7\" 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 dicas para contratar um plano de sa\u00fade de qualidade\t<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abc93c3 elementor-widget elementor-widget-text-editor\" data-id=\"abc93c3\" 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\">Sabemos que algumas d\u00favidas podem surgir durante a contrata\u00e7\u00e3o de um novo conv\u00eanio m\u00e9dico, por conta disso, \u00e9 importante saber quais crit\u00e9rios devem ser levados em considera\u00e7\u00e3o durante a escolha.<\/span><\/p><p><span style=\"font-weight: 400\">Veja, a seguir, 3 dicas para contratar um plano de sa\u00fade de qualidade que n\u00f3s separamos carinhosamente aos nossos clientes. Confira a seguir:<\/span><\/p><h3><span style=\"font-weight: 400\">1. Contrate com uma corretora qualificada<\/span><\/h3><p><span style=\"font-weight: 400\">O crit\u00e9rio mais importante \u00e9 se certificar <\/span><b>onde<\/b><span style=\"font-weight: 400\"> e com <\/span><b>quem<\/b><span style=\"font-weight: 400\"> ser\u00e1 realizada a ades\u00e3o. Invista em uma corretora qualificada que possa lhe oferecer seguran\u00e7a em todas as etapas.<\/span><\/p><p><span style=\"font-weight: 400\">A Compare conta com uma equipe altamente treinada e capacitada para atender os nossos clientes com uma<\/span><b> metodologia 360\u00b0<\/b><span style=\"font-weight: 400\"> e, assim, ajud\u00e1-los a encontrar o plano de sa\u00fade ideal.<\/span><\/p><h3><span style=\"font-weight: 400\">2. Busque conhecer a fundo a operadora<\/span><\/h3><p><span style=\"font-weight: 400\">Al\u00e9m de conhecer os benef\u00edcios e vantagens das operadoras de sa\u00fade, busque conhecer a fundo a reputa\u00e7\u00e3o da empresa e a qualidade das atividades exercidas.<\/span><\/p><p><span style=\"font-weight: 400\">O <\/span><b>Programa de Qualifica\u00e7\u00e3o da ANS<\/b><span style=\"font-weight: 400\"> divulga, anualmente, os \u00edndices de satisfa\u00e7\u00e3o e qualidade dos servi\u00e7os prestados pelas operadoras, sendo uma \u00f3tima m\u00e9trica para avaliar se a operadora oferece ou n\u00e3o bons servi\u00e7os.<\/span><\/p><h3><span style=\"font-weight: 400\">3. Tenha em mente as suas necessidades<\/span><\/h3><p><span style=\"font-weight: 400\">Antes de realizar a ades\u00e3o de um novo plano m\u00e9dico, entenda quais s\u00e3o as suas expectativas em rela\u00e7\u00e3o \u00e0 assist\u00eancia m\u00e9dica, quais hospitais voc\u00ea prefere ter atendimento, para quem o servi\u00e7o ser\u00e1 destinado e etc.<\/span><\/p><p><span style=\"font-weight: 400\">Ap\u00f3s estabelecer todas as suas necessidades, ser\u00e1 mais simples e r\u00e1pido encontrar o conv\u00eanio m\u00e9dico que se adeque \u00e0s suas solicita\u00e7\u00f5es. Aproveite e contrate planos de sa\u00fade <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/garanta-seu-desconto\/\"><b>at\u00e9 50% mais baratos<\/b><\/a><span style=\"font-weight: 400\"> com a Compare!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bebf12 elementor-widget elementor-widget-heading\" data-id=\"8bebf12\" 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 o agravo no plano 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-1b4930dd elementor-widget elementor-widget-text-editor\" data-id=\"1b4930dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Por ser um tema um pouco discutido, \u00e9 comum que as pessoas possuam d\u00favidas frequentes acerca do assunto. Sendo assim, a Compare criou um guia r\u00e1pido para auxiliar os nossos clientes.<\/span><\/p><p><span style=\"font-weight: 400;\">Confira abaixo as tr\u00eas perguntas mais frequentes sobre o agravo no plano de sa\u00fade, e suas respectivas respostas:<\/span><\/p><h3><span style=\"font-weight: 400;\">Troquei de conv\u00eanio, por\u00e9m possuo uma DLP, posso pagar o agravo no plano de sa\u00fade?<\/span><\/h3><p><span style=\"font-weight: 400;\">Caso n\u00e3o queira aguardar o prazo de car\u00eancia para Doen\u00e7as e Les\u00f5es Preexistentes \u00e9 permitido que voc\u00ea realize o pagamento do agravo no plano de sa\u00fade para usufruir da cobertura do plano para tratamento da sua DLP.<\/span><\/p><p><span style=\"font-weight: 400;\">O primeiro passo para a solicita\u00e7\u00e3o do benef\u00edcio \u00e9 entrar em contato com a operadora do plano e realizar uma negocia\u00e7\u00e3o direta dos valores agravados para o seu conv\u00eanio m\u00e9dico.<\/span><\/p><h3><span style=\"font-weight: 400;\">O agravo no plano de sa\u00fade possui o mesmo valor em todas as operadoras?<\/span><\/h3><p><span style=\"font-weight: 400;\">Por o agravo no plano de sa\u00fade n\u00e3o possuir um valor fixo, cada operadora poder\u00e1 estabelecer com o seu pr\u00f3prio cliente quais ser\u00e3o os valores agravados do seu plano de sa\u00fade.<\/span><\/p><h3>O quanto acelerar o m\u00e1ximo pode estar reduzindo a quantidade de convers\u00e3o?<\/h3><p>O agravo \u00e9 um acr\u00e9scimo ao valor da mensalidade para que o benefici\u00e1rio tenha o plano aceito por\u00e9m com a CPT. Ou seja, ele ter\u00e1 direito \u00e0 cobertura integral dos servi\u00e7os contratados, por\u00e9m precisa aguardar o prazo\u00a0de\u00a024\u00a0meses.<\/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-531b629a elementor-widget elementor-widget-heading\" data-id=\"531b629a\" 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-549ae062 elementor-widget elementor-widget-text-editor\" data-id=\"549ae062\" 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 evitar frustra\u00e7\u00f5es e dificuldades durante a ades\u00e3o de um novo plano m\u00e9dico, procure por uma corretora especialista em planos de <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\"><b>sa\u00fade<\/b><\/a><b>, <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/porto-pet\/\"><b>pet<\/b><\/a> <span style=\"font-weight: 400\">e<\/span> <a href=\"https:\/\/compareplanodesaude.com.br\/plano-odontologico\/\"><b>odontol\u00f3gicos<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Conte com a ajuda da Compare para encontrar a sua assist\u00eancia m\u00e9dica ideal, e entender sobre as regras para a solicita\u00e7\u00e3o do agravo no plano de sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400\">Aproveite e contrate planos de sa\u00fade <\/span><b>at\u00e9 50% mais baratos<\/b><span style=\"font-weight: 400\"> com a ajuda dos nossos consultores especialistas, de forma r\u00e1pida e simplificada. <\/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>Realize uma cota\u00e7\u00e3o online<\/b><\/a><span style=\"font-weight: 400\">.<\/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-41ec2213\" data-id=\"41ec2213\" 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-0d60eba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d60eba\" 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-14a14eb\" data-id=\"14a14eb\" 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-391b150 elementor-widget elementor-widget-global elementor-global-249508 elementor-widget-shortcode\" data-id=\"391b150\" 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 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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 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