{"id":249286,"date":"2023-03-16T18:03:52","date_gmt":"2023-03-16T18:03:52","guid":{"rendered":"https:\/\/compareplanodesaude.com.br\/blog-saude\/?p=249286"},"modified":"2023-05-02T15:32:19","modified_gmt":"2023-05-02T15:32:19","slug":"plano-de-saude-compulsorio-e-livre-adesao","status":"publish","type":"post","link":"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/plano-de-saude-compulsorio-e-livre-adesao\/","title":{"rendered":"Plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"249286\" class=\"elementor elementor-249286\" 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-4ff8d4b2 elementor-widget elementor-widget-heading\" data-id=\"4ff8d4b2\" 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\">Plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o: Entenda a diferen\u00e7a<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54958f51 elementor-widget elementor-widget-text-editor\" data-id=\"54958f51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Voc\u00ea sabe a diferen\u00e7a entre <\/span><b>plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o<\/b><span style=\"font-weight: 400\">? Neste artigo completo, trataremos das principais caracter\u00edsticas de cada um deste dois tipos de modalidade de ades\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">Ao final do texto, voc\u00ea sair\u00e1 daqui um especialista neste tema, e ainda descobrir\u00e1 tr\u00eas formas de economizar na contrata\u00e7\u00e3o de um plano de sa\u00fade para a sua empresa.<\/span><\/p><p><span style=\"font-weight: 400\">Aproveite agora o <\/span><b>desconto exclusivo de at\u00e9 50% <\/b><span style=\"font-weight: 400\">na sua primeira mensalidade que a corretora Compare oferece!<\/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\/249286\" data-token=\"eadabaa67e7f4429854acad67a2d5ab1\" data-token-time=\"1780507911\"><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><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>\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\" >do CNPJ? pretendido<\/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_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\/249286\"><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-721ec4aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"721ec4aa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-64380906 elementor-hidden-mobile\" data-id=\"64380906\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6b9aecd5 indiceitem elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b9aecd5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4527a021\" data-id=\"4527a021\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66d2346b elementor-hidden-tablet elementor-hidden-phone elementor-widget elementor-widget-table-of-contents\" data-id=\"66d2346b\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;no_headings_message&quot;:&quot;N\\u00e3o foram encontrados cabe\\u00e7alhos nesta p\\u00e1gina.&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSum\u00e1rio\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__66d2346b\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" 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Online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29f35288 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"29f35288\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/web.whatsapp.com\/send?phone=5511955913910\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" data-prefix=\"fab\" data-icon=\"whatsapp\" class=\"svg-inline--fa fa-whatsapp fa-w-14\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Whatsapp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-29fc5107\" data-id=\"29fc5107\" 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-c0424c0 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"c0424c0\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;far fa-dot-circle&quot;,&quot;library&quot;:&quot;fa-regular&quot;,&quot;rendered_tag&quot;:&quot;&lt;svg class=\\&quot;e-font-icon-svg e-far-dot-circle\\&quot; viewBox=\\&quot;0 0 512 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;},&quot;no_headings_message&quot;:&quot;N\\u00e3o foram encontrados cabe\\u00e7alhos nesta p\\u00e1gina.&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSum\u00e1rio\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__c0424c0\" 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-39d75026 elementor-widget elementor-widget-heading\" data-id=\"39d75026\" 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 funcionam os planos de sa\u00fade compuls\u00f3rio e livre ades\u00e3o?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5461b140 elementor-widget elementor-widget-text-editor\" data-id=\"5461b140\" 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\">Um plano de sa\u00fade <\/span><b>compuls\u00f3rio e livre ades\u00e3o<\/b><span style=\"font-weight: 400\"> \u00e9 uma forma de contrata\u00e7\u00e3o de conv\u00eanio m\u00e9dico, espec\u00edfico para os tipos de contrata\u00e7\u00e3o <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-empresarial\/\"><b>empresarial<\/b><\/a><span style=\"font-weight: 400\"> e <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-mei\/\"><b>MEI<\/b><\/a><span style=\"font-weight: 400\"> (<\/span><i><span style=\"font-weight: 400\">Microempreendedor Individual<\/span><\/i><span style=\"font-weight: 400\">).<\/span><\/p><p><span style=\"font-weight: 400\">Sendo assim, se voc\u00ea ainda n\u00e3o \u00e9 um benefici\u00e1rio de algum conv\u00eanio m\u00e9dico e quer saber a diferen\u00e7a entre plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, n\u00f3s te explicaremos detalhadamente a seguir.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">O que \u00e9 um plano de sa\u00fade compuls\u00f3rio?<\/span><\/h3><p><span style=\"font-weight: 400\">O<\/span><b> plano compuls\u00f3rio<\/b><span style=\"font-weight: 400\"> exige que o titular contrate a mesma categoria para os seus colaboradores, ou seja, se escolheu um conv\u00eanio compuls\u00f3rio, ele dever\u00e1 contemplar todos os funcion\u00e1rios e\/ou 100% da massa societ\u00e1ria.<\/span><\/p><p><span style=\"font-weight: 400\">Vamos exemplificar melhor: imagine que sua empresa tenha 100 pessoas e voc\u00ea queira contratar um seguro sa\u00fade para elas. Considere que a operadora que est\u00e1 interessado (a) tem aceita\u00e7\u00e3o entre 3 e 99 vidas.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Neste caso, n\u00e3o seria poss\u00edvel contratar na modalidade compuls\u00f3ria, pois \u00e9 obrigat\u00f3rio que todos os 100 funcion\u00e1rios e dirigentes fa\u00e7am parte, e a sua empresa precisaria buscar um plano com, no m\u00ednimo, 100 vidas\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">O que \u00e9 um plano de sa\u00fade por livre ades\u00e3o?<\/span><\/h3><p><span style=\"font-weight: 400\">O <\/span><b>plano de sa\u00fade livre ades\u00e3o<\/b><span style=\"font-weight: 400\"> n\u00e3o exige que todos participem, como o pr\u00f3prio nome j\u00e1 diz, o titular tem a livre escolha de contratar o conv\u00eanio incluindo os colaboradores de forma total ou parcial.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 necess\u00e1rio apenas levar em considera\u00e7\u00e3o o porte empresarial, j\u00e1 que a maior parte das operadoras estipula padr\u00f5es que variam conforme o tamanho da empresa, sendo normalmente de:<\/span><\/p><ul><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Porte empresarial a partir de 02 vidas at\u00e9 29 vidas (ideal para MEI);<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Porte empresarial a partir de 03 vidas at\u00e9 29 vidas (ideal para MEI);<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Porte empresarial a partir de 30 vidas at\u00e9 99 vidas;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Porte empresarial a partir de 100 vidas.<\/span><\/li><\/ul><p><span style=\"font-weight: 400\">Se ainda tem d\u00favida sobre o plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, n\u00e3o se preocupe! Fale com um de nossos corretores <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\" class=\"broken_link\"><b>pelo telefone<\/b><\/a><span style=\"font-weight: 400\"> ou nos envie uma mensagem de texto <\/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>pelo<\/b> <b>WhatsApp<\/b><\/a><b>.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16a508c7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"16a508c7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-671bec89 elementor-widget elementor-widget-heading\" data-id=\"671bec89\" 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 principal diferen\u00e7a entre as modalidades?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5e8f72 elementor-widget elementor-widget-text-editor\" data-id=\"6c5e8f72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Existem algumas diferen\u00e7as primordiais entre plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, sendo a principal delas o <\/span><b>valor da mensalidade<\/b><span style=\"font-weight: 400\">. Por abranger todo o quadro de uma empresa, a modalidade compuls\u00f3ria \u00e9 mais barata.<\/span><\/p><p><span style=\"font-weight: 400\">Isso se deve justamente por conta das exig\u00eancias de cada uma das modalidades, j\u00e1 que no conv\u00eanio compuls\u00f3rio todos da empresa devem ser inclu\u00eddos, consequentemente, os custos s\u00e3o bem mais baratos.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Em compensa\u00e7\u00e3o, os pre\u00e7os do conv\u00eanio de livre ades\u00e3o s\u00e3o mais elevados devido \u00e0 <\/span><b>liberdade <\/b><span style=\"font-weight: 400\">que o contratante tem, de poder oferecer o benef\u00edcio apenas para uma parte dos colaboradores dos funcion\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-3bd2ef16 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3bd2ef16\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b8a35cf elementor-widget elementor-widget-heading\" data-id=\"5b8a35cf\" 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\">Os custos s\u00e3o os mesmos em um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0c2247 elementor-widget elementor-widget-text-editor\" data-id=\"b0c2247\" 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 custos n\u00e3o s\u00e3o os mesmos entre um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o. Peguemos por exemplo a Amil e sua linha Amil Sa\u00fade S380, oferecida em ambas as categorias.<\/span><\/p><p><span style=\"font-weight: 400\">Caso o cliente deseje contrat\u00e1-la por livre ades\u00e3o, seu valor m\u00ednimo seria de <\/span><b>R$268,02<\/b><span style=\"font-weight: 400\"> (de 2 a 29 vidas). Na modalidade compuls\u00f3ria, o pre\u00e7o seria de <\/span><b>R$243,66<\/b><span style=\"font-weight: 400\">, para o mesmo n\u00famero de vidas.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 uma economia de <\/span><b>R$24,36<\/b><span style=\"font-weight: 400\"> ao m\u00eas, levando em conta que, muito provavelmente, haver\u00e1 um n\u00famero significativo de pessoas no plano, somando ainda mais custo benef\u00edcio para a contrata\u00e7\u00e3o.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21bc9e73 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"21bc9e73\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fa770b0 elementor-widget elementor-widget-heading\" data-id=\"4fa770b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Todos os planos de sa\u00fade possuem as duas op\u00e7\u00f5es?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54788f61 elementor-widget elementor-widget-text-editor\" data-id=\"54788f61\" 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\">Primeiramente, \u00e9 necess\u00e1rio que entendamos que um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o est\u00e1 dispon\u00edvel somente para contrata\u00e7\u00f5es de pessoas jur\u00eddicas (com CNPJ).<\/span><\/p><p><span style=\"font-weight: 400\">Ou seja, j\u00e1 exclu\u00edmos todos os conv\u00eanios comercializados apenas nas modalidades <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-individual\/\"><b>individual<\/b><\/a><span style=\"font-weight: 400\">, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-familiar\/\"><b>familiar<\/b><\/a><span style=\"font-weight: 400\"> e coletivo por ades\u00e3o. Agora, nos sobram apenas os <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-empresarial\/\"><b>planos empresariais<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Por\u00e9m, muitas operadoras n\u00e3o oferecem ambos um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, e sim apenas uma das duas formas de contrata\u00e7\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">Portanto, n\u00e3o s\u00e3o todos os seguros m\u00e9dicos que possuem ambas as modalidades. Se quiser saber mais, <\/span><a href=\"https:\/\/fale-conosco.compareplanodesaude.com.br\/\"><b>fale com um consultor<\/b><\/a><span style=\"font-weight: 400\"> da Compare e tire suas d\u00favidas!<\/span><\/p>\t\t\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-75455ac elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75455ac\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1036b69c\" data-id=\"1036b69c\" 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-3d171a2a elementor-widget elementor-widget-image\" data-id=\"3d171a2a\" 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=\"819\" src=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/whatsapp-logo-icone-1-1000x1024.png\" class=\"attachment-large size-large wp-image-249274\" alt=\"\" srcset=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/whatsapp-logo-icone-1-1000x1024.png 1000w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/whatsapp-logo-icone-1-293x300.png 293w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/whatsapp-logo-icone-1-768x786.png 768w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/whatsapp-logo-icone-1-1501x1536.png 1501w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/whatsapp-logo-icone-1-150x154.png 150w, https:\/\/compareplanodesaude.com.br\/blog-saude\/wp-content\/uploads\/sites\/16\/2023\/03\/whatsapp-logo-icone-1.png 1527w\" 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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6a636c31\" data-id=\"6a636c31\" 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-3c9d187 elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"3c9d187\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" 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>Se preferir, fale agora com um de nossos consultores \u00e9 gr\u00e1tis e 100% online.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-74ad1e6d\" data-id=\"74ad1e6d\" 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-214f775 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"214f775\" 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-xs\" href=\"https:\/\/api.whatsapp.com\/send?phone=5511955913910&#038;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!%20Desejo%20iniciar%20o%20atendimento%20via%20WhatsApp.\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Iniciar Atendimento<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-40066ec2 elementor-widget elementor-widget-heading\" data-id=\"40066ec2\" 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 3 operadoras que aceitam ambas as formas de contrata\u00e7\u00e3o<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e375e3 elementor-widget elementor-widget-text-editor\" data-id=\"60e375e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Agora que voc\u00ea descobriu como funciona o plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, chegou o momento de conhecer os melhores conv\u00eanios dispon\u00edveis no mercado atualmente com essas duas modalidades.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Separamos uma lista com 3 \u00f3timas operadoras que disp\u00f5em de ampla cobertura para a realiza\u00e7\u00e3o de diversos procedimentos m\u00e9dicos, al\u00e9m de uma excelente reputa\u00e7\u00e3o com os atuais e antigos consumidores.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">S\u00e3o elas: <\/span><b>Amil Empresarial<\/b><span style=\"font-weight: 400\">,<\/span><b> Bradesco Sa\u00fade<\/b><span style=\"font-weight: 400\"> e<\/span><b> SulAm\u00e9rica.<\/b><span style=\"font-weight: 400\"> Abaixo, voc\u00ea ter\u00e1 mais informa\u00e7\u00f5es sobre elas, podendo encontrar a que melhor atende ao que est\u00e1 buscando no plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o.<\/span><\/p><h2><span style=\"font-weight: 400\">1. Bradesco<\/span><\/h2><p><span style=\"font-weight: 400\">Um \u00f3timo exemplo de operadora que oferece tanto o modelo compuls\u00f3rio quanto o de livre ades\u00e3o \u00e9 a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/bradesco-saude\/\"><b>Bradesco Sa\u00fade<\/b><\/a><span style=\"font-weight: 400\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">O conv\u00eanio \u00e9 direcionado para empresas a partir de 03 vidas e oferece atendimento em ampla rede credenciada, al\u00e9m de in\u00fameros benef\u00edcios exclusivamente encontrados na operadora.<\/span><\/p><p><span style=\"font-weight: 400\">\u00c9 poss\u00edvel aderir a um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o nacional da Bradesco por a partir de <\/span><b>R$346,37<\/b><span style=\"font-weight: 400\"> (livre ades\u00e3o) ou <\/span><b>R$284,30 <\/b><span style=\"font-weight: 400\">(compuls\u00f3rio).<\/span><\/p><h3><span style=\"font-weight: 400\">2. Amil Empresarial<\/span><\/h3><p><span style=\"font-weight: 400\">A <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/amil\/\"><b>Amil Sa\u00fade<\/b><\/a><span style=\"font-weight: 400\"> \u00e9 uma operadora de refer\u00eancia no segmento, inclusive por dispor de plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o para empresas entre 02 a 99 vidas. Para acima de 100 vidas, \u00e9 necess\u00e1rio um estudo de caso.<\/span><\/p><p><span style=\"font-weight: 400\">O plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o da Amil disponibiliza duas <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/pergunte-ao-corretor-acomodacoes\"><b>acomoda\u00e7\u00f5es<\/b><\/a><span style=\"font-weight: 400\">, sendo elas: <\/span><b>enfermaria <\/b><span style=\"font-weight: 400\">(quarto coletivo) ou <\/span><b>apartamento <\/b><span style=\"font-weight: 400\">(quarto privativo). Entenda melhor a diferen\u00e7a entre elas no <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/pergunte-ao-corretor-acomodacoes\/\"><b>nosso blog<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, o cliente tamb\u00e9m pode escolher fazer a aquisi\u00e7\u00e3o da categoria <\/span><b>com ou sem <\/b><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-coparticipacao\/\"><b>coparticipa\u00e7\u00e3o<\/b><\/a><span style=\"font-weight: 400\">, podendo escolher entre mensalidades acess\u00edveis ou que cubram todos os servi\u00e7os, <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-coparticipacao\/\"><b>veja como funciona<\/b><\/a><span style=\"font-weight: 400\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Voc\u00ea pode contratar um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o da Amil Empresarial por valores m\u00ednimos de <\/span><b>R$99,92<\/b><span style=\"font-weight: 400\"> (livre ades\u00e3o) e <\/span><b>R$90,84<\/b><span style=\"font-weight: 400\"> (compuls\u00f3rio).<\/span><\/p><h3><span style=\"font-weight: 400\">3. SulAm\u00e9rica<\/span><\/h3><p><span style=\"font-weight: 400\">Por fim, temos a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/sulamerica-saude\/\"><b>SulAm\u00e9rica<\/b><\/a><span style=\"font-weight: 400\">, que h\u00e1 quase 50 anos comercializa um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o de \u00f3tima qualidade, para todo e qualquer porte empresarial!<\/span><\/p><p><span style=\"font-weight: 400\">Voc\u00ea consegue aderir a um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o da SulAm\u00e9rica por <\/span><b>R$191,73<\/b><span style=\"font-weight: 400\"> (livre ades\u00e3o) ou <\/span><b>R$182,14<\/b><span style=\"font-weight: 400\"> (compuls\u00f3rio), dependendo da linha escolhida.<\/span><\/p><p><span style=\"font-weight: 400\">Adquira qualquer plano de sa\u00fade compuls\u00f3rio ou livre ades\u00e3o conosco e garanta <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/garanta-seu-desconto\/\"><b>at\u00e9 40% de desconto<\/b><\/a><span style=\"font-weight: 400\"> na sua primeira mensalidade!<\/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-47dcf122 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"47dcf122\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45edcacc elementor-widget elementor-widget-heading\" data-id=\"45edcacc\" 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 os principais diferenciais de cada operadora<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e894e41 elementor-widget elementor-widget-text-editor\" data-id=\"5e894e41\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Se voc\u00ea achou que o \u00fanico diferencial dessas operadoras \u00e9 o fato de disponibilizarem a op\u00e7\u00e3o de plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, existem muitas outras vantagens que voc\u00ea ir\u00e1 descobrir agora!\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">Bradesco: Variedade de benef\u00edcios<\/span><\/h3><p><span style=\"font-weight: 400\">No plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o da Bradesco Sa\u00fade, existem servi\u00e7os essenciais, disponibilizados para que os benefici\u00e1rios tenham mais comodidade, seguran\u00e7a e confiabilidade.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Como exemplos, podemos citar: <\/span><i><span style=\"font-weight: 400\">Reemiss\u00e3o, Programa Meu Doutor, Segunda Opini\u00e3o M\u00e9dica, Transplantes Extra-Rol, Seguro Viagem, Descontos em Farm\u00e1cias<\/span><\/i><span style=\"font-weight: 400\"> e uma s\u00e9rie de outros.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">Amil Empresarial: O melhor custo-benef\u00edcio<\/span><\/h3><p><span style=\"font-weight: 400\">Os benefici\u00e1rios do plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o da Amil t\u00eam v\u00e1rias vantagens diferenciadas e especiais, al\u00e9m de participa\u00e7\u00e3o em programas de promo\u00e7\u00e3o \u00e0 sa\u00fade exclusivos.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Alguns benef\u00edcios s\u00e3o: <\/span><i><span style=\"font-weight: 400\">Amil Resgate Sa\u00fade, Reembolso de Valores, Assist\u00eancia Multiviagem Internacional, Amil Coaching, Resgate e Coleta Domiciliar, Aplicativo<\/span><\/i><span style=\"font-weight: 400\"> e muito mais.\u00a0<\/span><\/p><h3><span style=\"font-weight: 400\">SulAm\u00e9rica: Amplo cuidado<\/span><\/h3><p><span style=\"font-weight: 400\">Os clientes do plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o da SulAm\u00e9rica tamb\u00e9m contam com v\u00e1rios diferenciais da operadora, com o principal intuito de ampliar ainda mais os cuidados \u00e0 sa\u00fade.<\/span><\/p><p><span style=\"font-weight: 400\">Entre eles est\u00e3o: <\/span><i><span style=\"font-weight: 400\">Remiss\u00e3o de 2 anos, Seguro Viagem Nacional e Internacional, Consulta ao Viajante, Check-up, Courier, Coleta Domiciliar, Aplicativo<\/span><\/i><span style=\"font-weight: 400\">, entre outros. <\/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-5c106a31 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5c106a31\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29290b4a elementor-widget elementor-widget-heading\" data-id=\"29290b4a\" 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\">As car\u00eancias s\u00e3o as mesmas no plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2196b251 elementor-widget elementor-widget-text-editor\" data-id=\"2196b251\" 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\">Primeiramente, o que s\u00e3o <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/perguntas-frequentes\/carencia-plano-de-saude\/\" class=\"broken_link\"><b>car\u00eancias contratuais<\/b><\/a><span style=\"font-weight: 400\">? Elas s\u00e3o, resumidamente, um per\u00edodo de espera cujo os benefici\u00e1rios do plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o precisam cumprir antes de utilizarem certos servi\u00e7os.<\/span><\/p><p><span style=\"font-weight: 400\">As car\u00eancias <\/span><b>se mant\u00eam as mesmas<\/b><span style=\"font-weight: 400\">, em ambos plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o. Por\u00e9m, algumas operadoras possuem crit\u00e9rios de redu\u00e7\u00e3o e\/ou isen\u00e7\u00e3o destes prazos.<\/span><\/p><p><span style=\"font-weight: 400\">Quanto mais vidas inclu\u00eddas no conv\u00eanio de sa\u00fade, menos car\u00eancias os benefici\u00e1rios ter\u00e3o de cumprir. Por\u00e9m, isto n\u00e3o \u00e9 algo presente em todas as prestadoras, e por conta disso vale se atentar a esta quest\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">Caso voc\u00ea deseje saber se voc\u00ea e seus funcion\u00e1rios podem reduzir e at\u00e9 mesmo isentar os prazos, fale com um consultor da Compare por um de nossos <\/span><a href=\"https:\/\/fale-conosco.compareplanodesaude.com.br\/\"><b>canais de atendimento<\/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-144e4dac elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"144e4dac\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-163da162 elementor-widget elementor-widget-heading\" data-id=\"163da162\" 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 reajuste \u00e9 realizado da mesma forma?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-101da6a6 elementor-widget elementor-widget-text-editor\" data-id=\"101da6a6\" 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><a href=\"https:\/\/compareplanodesaude.com.br\/faq\/reajuste-plano-de-saude\/\" class=\"broken_link\"><b>reajuste<\/b><\/a><span style=\"font-weight: 400\"> \u00e9 realizado proporcionalmente conforme o valor do plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o. No caso, um plano mais caro (livre ades\u00e3o, por exemplo) ter\u00e1 reajustes mais elevados.<\/span><\/p><p><span style=\"font-weight: 400\">Por\u00e9m, sim, o reajuste de modo geral \u00e9 <\/span><b>realizado da mesma forma<\/b><span style=\"font-weight: 400\">, s\u00f3 que proporcionalmente. Ambas as modalidades sofrem com reajustes anuais e et\u00e1rios (baseado na idade do benefici\u00e1rio).<\/span><\/p><p><span style=\"font-weight: 400\">Por\u00e9m, estes aumentos na mensalidade n\u00e3o costumam ser abusivos. Para saber mais, fale com um de nossos consultores por <\/span><a href=\"https:\/\/api.whatsapp.com\/send?phone=5511955913910&amp;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!\"><b>WhatsApp<\/b><\/a><span style=\"font-weight: 400\"> e tire todas as suas d\u00favidas!<\/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-5aab3302 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5aab3302\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a0f78b7 elementor-widget elementor-widget-heading\" data-id=\"1a0f78b7\" 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 escolher a modalidade certa para o seu neg\u00f3cio?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-717af40f elementor-widget elementor-widget-text-editor\" data-id=\"717af40f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Existem alguns pontos que necessitam ser analisados na hora de contratar um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o. O primeiro deles \u00e9 acerca do porte da sua empresa.<\/span><\/p><p><span style=\"font-weight: 400\">Caso o n\u00famero de funcion\u00e1rios que voc\u00ea deseja incluir no conv\u00eanio seja pr\u00f3ximo do quadro total de colaboradores e s\u00f3cios e, caso voc\u00ea procure que todos tenham o mesmo plano, <\/span><b>o compuls\u00f3rio \u00e9 ideal para voc\u00ea<\/b><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Se voc\u00ea deseja incluir poucas pessoas ou caso queira que seus funcion\u00e1rios tenham planos de sa\u00fade diferentes entre eles, a <\/span><b>livre ades\u00e3o \u00e9 a modalidade certa para sua empresa<\/b><span style=\"font-weight: 400\">.<\/span><\/p><p><span style=\"font-weight: 400\">Para te ajudar neste processo, os <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\" class=\"broken_link\"><b>especialistas da Compare<\/b><\/a><span style=\"font-weight: 400\"> est\u00e3o aqui para te auxiliar, Contratando agora, voc\u00ea ganha um <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/garanta-seu-desconto\/\"><b>desconto de at\u00e9 50%<\/b><\/a><span style=\"font-weight: 400\"> no seu primeiro m\u00eas!<\/span><\/p><h3><span style=\"font-weight: 400\">O que levar em conta no momento de escolher?<\/span><\/h3><p><span style=\"font-weight: 400\">No momento da escolha entre um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, \u00e9 de suma import\u00e2ncia que voc\u00ea leve em conta os pre\u00e7os, a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/area-de-abrangencia\/\"><b>\u00e1rea de abrang\u00eancia<\/b><\/a><span style=\"font-weight: 400\"> e outros fatores relevantes.<\/span><\/p><p><span style=\"font-weight: 400\">Outros pontos importantes a serem considerados s\u00e3o as taxas de coparticipa\u00e7\u00e3o, a rede credenciada, a cobertura oferecida, os diferenciais e vantagens de cada operadora.<\/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-63206038 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"63206038\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70395744 elementor-widget elementor-widget-heading\" data-id=\"70395744\" 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 diz a lei sobre as modalidades?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a9dc867 elementor-widget elementor-widget-text-editor\" data-id=\"3a9dc867\" 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 Ag\u00eancia Nacional de Sa\u00fade Suplementar (<\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/duvidas\/o-que-e-a-ans\/\"><b>ANS<\/b><\/a><span style=\"font-weight: 400\">) estabeleceu diretrizes para as modalidades de plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o. \u00c9 ela quem regula e fiscaliza todos os processos relacionados a ela.<\/span><\/p><p><span style=\"font-weight: 400\">Segundo a Ag\u00eancia, \u00e9 necess\u00e1rio que, na modalidade compuls\u00f3ria, <\/span><b>100% do quadro societ\u00e1rio e de colaboradores<\/b><span style=\"font-weight: 400\"> esteja incluso no plano de sa\u00fade. Isso, de certa forma, faz com que a sa\u00fade seja mais igualit\u00e1ria.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Al\u00e9m disso, a ANS tamb\u00e9m \u00e9 o \u00f3rg\u00e3o que criou e estipulou as diferen\u00e7as entre plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o.<\/span><\/p><h3><span style=\"font-weight: 400\">Quem \u00e9 a ANS?<\/span><\/h3><p><span style=\"font-weight: 400\">A Ag\u00eancia Nacional de Sa\u00fade Suplementar \u00e9 um \u00f3rg\u00e3o governamental respons\u00e1vel por <\/span><i><span style=\"font-weight: 400\">regular e fiscalizar todos os servi\u00e7os de sa\u00fade privada<\/span><\/i><span style=\"font-weight: 400\"> no Brasil.<\/span><\/p><p><span style=\"font-weight: 400\">Criado no ano 2000, a institui\u00e7\u00e3o tem como principal objetivo tornar a sa\u00fade suplementar mais democratizada entre o povo brasileiro.<\/span><\/p><p><span style=\"font-weight: 400\">A sa\u00fade suplementar nada mais \u00e9 que os servi\u00e7os que v\u00e3o al\u00e9m da sa\u00fade p\u00fablica do pa\u00eds, \u201csuplementando\u201d as atividades j\u00e1 existentes e atuantes.<\/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-12dc9980 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"12dc9980\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36eed76f elementor-widget elementor-widget-heading\" data-id=\"36eed76f\" 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 realizar a contrata\u00e7\u00e3o do meu plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a867e2 elementor-widget elementor-widget-text-editor\" data-id=\"4a867e2\" 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 contratar seu plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, voc\u00ea est\u00e1 no lugar perfeito para isso. A Compare te oferece condi\u00e7\u00f5es especiais na sua ades\u00e3o, que voc\u00ea confere abaixo.<\/span><\/p><p><span style=\"font-weight: 400\">Preenchendo o nosso <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/cotacao-online\/\"><b>formul\u00e1rio online<\/b><\/a><span style=\"font-weight: 400\">, voc\u00ea recebe um or\u00e7amento preciso sobre os conv\u00eanios m\u00e9dicos que vendemos, e aproveite para obter <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/garanta-seu-desconto\/\"><b>at\u00e9 40% de desconto<\/b><\/a><span style=\"font-weight: 400\"> na sua 1\u00aa mensalidade.<\/span><\/p><p><span style=\"font-weight: 400\">J\u00e1 possui uma categoria e quer mudar? Na Compare n\u00f3s te ajudamos a <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/migracao-do-meu-plano-de-saude-com-reducao-da-carencia\/\"><b>migrar com redu\u00e7\u00e3o de car\u00eancias<\/b><\/a><span style=\"font-weight: 400\"> e voc\u00ea ainda por cima garante benef\u00edcios exclusivos na contrata\u00e7\u00e3o do seu conv\u00eanio!<\/span><\/p><h3><span style=\"font-weight: 400\">Conhe\u00e7a a Compare<\/span><\/h3><p><span style=\"font-weight: 400\">A Compare \u00e9 uma empresa especializada na corretagem de planos de sa\u00fade, planos odontol\u00f3gicos e at\u00e9 mesmo conv\u00eanios pet, sendo recordista em crescimento no ramo por tr\u00eas anos consecutivos.\u00a0<\/span><\/p><p><span style=\"font-weight: 400\">Se voc\u00ea n\u00e3o tem uma corpora\u00e7\u00e3o para contratar um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, n\u00e3o se preocupe! Tamb\u00e9m oferecemos assist\u00eancia profissional na aquisi\u00e7\u00e3o de v\u00e1rios planos para <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/planos-de-saude\/\"><b>pessoa f\u00edsica<\/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-2dc5ed25 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2dc5ed25\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f7e6507 elementor-widget elementor-widget-heading\" data-id=\"3f7e6507\" 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 economizar no seu 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-463f52f elementor-widget elementor-widget-text-editor\" data-id=\"463f52f\" 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 economizar no seu plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, a Compare separou tr\u00eas dicas essenciais para voc\u00ea garantir o melhor pre\u00e7o na sua ades\u00e3o!<\/span><\/p><p><span style=\"font-weight: 400\">Abaixo, voc\u00ea confere estes tr\u00eas m\u00e9todos pr\u00e1ticos de como gastar menos na hora de contratar um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o.<\/span><\/p><h3><span style=\"font-weight: 400\">1. Verifique a Contrata\u00e7\u00e3o Com Coparticipa\u00e7\u00e3o<\/span><\/h3><p><span style=\"font-weight: 400\">Na op\u00e7\u00e3o de plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, \u00e9 poss\u00edvel escolher se haver\u00e1 ou n\u00e3o <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/plano-de-saude-coparticipacao\/\"><b>coparticipa\u00e7\u00e3o<\/b><\/a><span style=\"font-weight: 400\">. Caso haja, o conv\u00eanio acaba tendo uma <\/span><i><span style=\"font-weight: 400\">mensalidade mais barata<\/span><\/i><span style=\"font-weight: 400\">, por\u00e9m, com taxas extras em certos procedimentos.<\/span><\/p><p><span style=\"font-weight: 400\">Ela \u00e9 ideal para pessoas que n\u00e3o pretendem utilizar seu plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o com muita frequ\u00eancia. Ela tamb\u00e9m \u00e9 uma boa pedida para funcion\u00e1rios mais jovens, por exemplo.<\/span><\/p><h3><span style=\"font-weight: 400\">2. D\u00ea prefer\u00eancia aos planos de sa\u00fade regionais<\/span><\/h3><p><span style=\"font-weight: 400\">Dificilmente voc\u00ea ou algum colaborador seu ter\u00e1 de recorrer ao plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o em outro estado, que n\u00e3o onde fica a sede de seu empreendimento.<\/span><\/p><p><span style=\"font-weight: 400\">Portanto, <\/span><b>vale a pena investir em um conv\u00eanio regional<\/b><span style=\"font-weight: 400\">, espec\u00edfico para os munic\u00edpios onde seus funcion\u00e1rios residem e, ainda por cima, reduzindo bastante o valor da mensalidade final.<\/span><\/p><h3><span style=\"font-weight: 400\">3. Prefira acomoda\u00e7\u00e3o em enfermaria<\/span><\/h3><p><span style=\"font-weight: 400\">Optar por uma <\/span><b>acomoda\u00e7\u00e3o em enfermaria<\/b><span style=\"font-weight: 400\"> pode ser uma boa pedida para quem deseja economizar em seu plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o.<\/span><\/p><p><span style=\"font-weight: 400\">Por mais que n\u00e3o haja a comodidade de um quarto privativo, as interna\u00e7\u00f5es em enfermaria costumam ser t\u00e3o boas quanto, com a \u00fanica ressalva de voc\u00ea ter um ou mais companheiro(s) de quarto.<\/span><\/p><p><span style=\"font-weight: 400\">Fa\u00e7a uma <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/cotacao-online\/\"><b>cota\u00e7\u00e3o online<\/b><\/a><span style=\"font-weight: 400\"> no simulador da Compare e descubra qual o plano que cabe no or\u00e7amento da sua empresa!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-779f3bfb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"779f3bfb\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-284baf2b elementor-widget elementor-widget-heading\" data-id=\"284baf2b\" 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 plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o (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-519460ac elementor-widget elementor-widget-text-editor\" data-id=\"519460ac\" 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\">No intuito de tirar todas as suas poss\u00edveis quest\u00f5es restantes acerca do plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, n\u00f3s decidimos compilar tr\u00eas d\u00favidas extremamente frequentes sobre o tema.<\/span><\/p><p><span style=\"font-weight: 400\">Confira elas logo abaixo:<\/span><\/p><h3><span style=\"font-weight: 400\">O processo de ades\u00e3o \u00e9 o mesmo no plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o?<\/span><\/h3><p><span style=\"font-weight: 400\">De modo geral, sim! O processo de ades\u00e3o \u00e9 o mesmo em um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, com a \u00fanica diferen\u00e7a da quantidade de pessoas inclu\u00eddas no servi\u00e7o.<\/span><\/p><p><span style=\"font-weight: 400\">Por\u00e9m, os documentos e formalidades se mant\u00eam iguais para ambas as modalidades.<\/span><\/p><h3><span style=\"font-weight: 400\">Posso solicitar Portabilidade em um plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o?<\/span><\/h3><p><span style=\"font-weight: 400\">Sim, voc\u00ea pode solicitar a portabilidade do plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o entre eles, basta se atentar aos detalhes descritos pela ANS. Para conferir quais s\u00e3o eles, basta clicar <\/span><a href=\"https:\/\/www.ans.gov.br\/index.php\/planos-de-saude-e-operadoras\/contratacao-e-troca-de-plano\/trocar-de-plano-de-saude-sem-cumprir-carencia\/707-portabilidade-de-carencias\"><b>aqui<\/b><\/a><span style=\"font-weight: 400\">.<\/span><\/p><h3><span style=\"font-weight: 400\">Como saber a qual modalidade meu plano pertence?<\/span><\/h3><p><span style=\"font-weight: 400\">Para saber a qual modalidade seu plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o pertence, basta perguntar para a\/o respons\u00e1vel pelo setor de Recursos Humanos de sua empresa.<\/span><\/p><p><span style=\"font-weight: 400\">Caso ainda tenha perguntas sobre o plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, voc\u00ea pode falar com um dos consultores da Compare por <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/contato\/\" class=\"broken_link\"><b>telefone<\/b><\/a><span style=\"font-weight: 400\"> ou <\/span><a href=\"https:\/\/api.whatsapp.com\/send?phone=5511955913910&amp;text=Ol%C3%A1%2C%20gostaria%20de%20iniciar%20o%20atendimento%20para%20uma%20cota%C3%A7%C3%A3o%20de%20planos%20de%20sa%C3%BAde!\"><b>WhatsApp<\/b><\/a><span style=\"font-weight: 400\">. Ser\u00e1 um imenso prazer te atender.<\/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-2192f6ea elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2192f6ea\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fdbbd6 elementor-widget elementor-widget-heading\" data-id=\"4fdbbd6\" 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-6ca1b7fe elementor-widget elementor-widget-text-editor\" data-id=\"6ca1b7fe\" 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\">J\u00e1 sabe tudo sobre plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o? Que tal ficar por dentro de ainda mais conhecimentos sobre o encantador universo dos conv\u00eanios m\u00e9dicos?<\/span><\/p><p><span style=\"font-weight: 400\">No <\/span><a href=\"https:\/\/compareplanodesaude.com.br\/blog-saude\/\"><b>Blog da Compare<\/b><\/a><span style=\"font-weight: 400\">, voc\u00ea tem acesso a dicas de sa\u00fade e bem-estar, not\u00edcias e atualiza\u00e7\u00f5es em primeira m\u00e3o e muito mais! N\u00e3o fique de fora!<\/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-33 elementor-top-column elementor-element elementor-element-361cc107\" data-id=\"361cc107\" 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-bdcde71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bdcde71\" 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-0deceeb\" data-id=\"0deceeb\" 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-2aaa234 elementor-widget elementor-widget-global elementor-global-249508 elementor-widget-shortcode\" data-id=\"2aaa234\" 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\" 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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 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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-249286","post","type-post","status-publish","format-standard","hentry","category-duvidas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o: O guia completo [2023]<\/title>\n<meta name=\"description\" content=\"Entenda a diferen\u00e7a entre plano de sa\u00fade compuls\u00f3rio e livre ades\u00e3o, e saiba tudo sobre as modalidades compuls\u00f3rio e livre ades\u00e3o.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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