Health Insurance

Health insurance is a service offered by operators and insurers, private companies, with the aim of providing individual or family medical and hospital care by hiring an individual.

The contract guarantees coverage of your medical, hospital and outpatient expenses provided by the Assistance Network (doctors, hospitals, laboratories and clinics) to meet the coverage established by the National Supplementary Health Agency (ANS) through the List of Procedures, which is a list of minimum procedures to be covered by health plans.

It is noteworthy that operators are free to offer other procedures, which are not covered in this list.

It is vital to emphasize that the proposals and contracts offered by the operators are subject to the rules of law 9.656/98 and the Consumer Protection Code.

Prices are by age group and adjustments regulated by the ANS (National Health Agency).

Hiring the Health Insurance can be done through the following modalities:

Individual Plan - made between the health care provider and an individual, and today there are few options for this modality on the market.
Membership Plan - these are plans offered and contracted through a professional association (unions and associations), for contracting it is necessary to prove your link and eligibility with the entity.
Grace Period - Individual or Membership Plan - must meet the grace periods provided in the General Conditions, according to the rules of the ANS (National Health Agency) and each Insurance Operator, ranging from 30 days to 720 days,