{"id":1558,"date":"2022-08-11T17:55:42","date_gmt":"2022-08-11T20:55:42","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=1558"},"modified":"2026-02-03T11:21:03","modified_gmt":"2026-02-03T14:21:03","slug":"break-even-no-plano-empresarial","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/break-even-no-plano-empresarial\/","title":{"rendered":"O que \u00e9 break-even do plano de sa\u00fade empresarial?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span data-contrast=\"auto\">Os <a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">planos de sa\u00fade corporativos<\/a> representam um custo significativo para as empresas. Por isso, muitas delas adotam o break-even como forma de equilibrar as contas.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O break-even \u00e9 um indicador fundamental para que sejam feitos os reajustes na mensalidade do plano empresarial. Ele funciona como um ponto de equil\u00edbrio para medir os gastos e evitar que o custo com este benef\u00edcio seja muito elevado.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00c9 preciso entender, tamb\u00e9m, que este indicador n\u00e3o \u00e9 aplicado em todos os planos. A seguir listamos os pontos necess\u00e1rios para que voc\u00ea compreenda o que \u00e9 o break-even.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<h3>A fun\u00e7\u00e3o do break-even no plano de sa\u00fade empresarial<\/h3>\n<p><span data-contrast=\"auto\">As operadoras de sa\u00fade trabalham com um limite de gastos entre custo e receita. Elas fazem isso para definir um teto que, caso seja ultrapassado, levar\u00e1 a um aumento na mensalidade do plano empresarial.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A m\u00e9dia do mercado para manter este equil\u00edbrio \u00e9 de 70%.<\/span><b><span data-contrast=\"auto\"> Ou seja, a cada 100 reais pagos pela empresa no plano de sa\u00fade, o gasto m\u00e9dico dever\u00e1 ser de at\u00e9 70 reais.<\/span><\/b><span data-contrast=\"auto\"> A porcentagem \u00e9 definida pelo<\/span> <a href=\"https:\/\/www.insper.edu.br\/wp-content\/uploads\/2018\/09\/estudo-cadeia-de-saude-suplementar-Brasil.pdf\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Centro de Estudos em Neg\u00f3cios do Insper,<\/span><\/a><span data-contrast=\"auto\"> mas pode ser alterada em algumas operadoras por negocia\u00e7\u00f5es contratuais.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Vamos imaginar que sua companhia possui um plano empresarial de 200 vidas, cuja fatura custa R$100 mil. Com o ponto de equil\u00edbrio de 70%, \u00e9 esperado um gasto de at\u00e9 R$ 70 mil com as despesas m\u00e9dicas. Os outros R$ 30 mil servem para a operadora custear despesas administrativas, fazer manuten\u00e7\u00e3o de equipamentos, investimentos, entre outros.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Se os colaboradores passarem a utilizar o plano da empresa de forma mais frequente, a <\/span><a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">sinistralidade<\/span><\/a><span data-contrast=\"auto\"> (ou seja, o cruzamento entre pr\u00eamios e sinistros) ir\u00e1 aumentar. Caso seja identificado gastos m\u00e9dicos de R$ 90 mil, por exemplo, <\/span><b><span data-contrast=\"auto\">o \u00edndice de break-even ser\u00e1 ultrapassado, ocasionando um reajuste no plano empresarial.<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Com o reajuste, a operadora ir\u00e1 repassar na mensalidade do plano o acerto equivalente aos R$ 20 mil que foram excedidos. Em algumas situa\u00e7\u00f5es, a empresa poder\u00e1 negociar o valor com a operadora.<\/span> <a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Saiba mais<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<h4><span class=\"TextRun SCXW249206174 BCX9\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW249206174 BCX9\">Mas por que nem todos os planos empresariais possuem break-even?<\/span><\/span><span class=\"EOP SCXW249206174 BCX9\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">Primeiro \u00e9 preciso entender que existem duas modalidades de planos, os de pr\u00e9-pagamento e os de p\u00f3s-pagamento.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Pr\u00e9-pagamento\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480,&quot;335559991&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">No plano de sa\u00fade com pr\u00e9-pagamento os pre\u00e7os s\u00e3o definidos pela operadora. Dessa forma, a empresa contratante tem uma previsibilidade do custo deste benef\u00edcio. Neste caso, \u00e9 poss\u00edvel adotar o indicador break-even como parte do plano empresarial.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">P\u00f3s-pagamento ou autogest\u00e3o<\/span><\/b><\/p>\n<p><span data-contrast=\"auto\">Os gastos do plano com a modalidade de <\/span><a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">p\u00f3s-pagamento<\/span><\/a><span data-contrast=\"auto\"> oscilam mensalmente conforme a utiliza\u00e7\u00e3o e despesas administrativas. \u00c9 comum esta modalidade ser adotada por grandes empresas que administram diretamente a sa\u00fade e riscos do seu pr\u00f3prio grupo de funcion\u00e1rios.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:480}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Em caso de d\u00favidas, consulte nossos especialistas para verificar os melhores planos de sa\u00fade para a sua empresa.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O break-even, ou ponto de equil\u00edbrio, \u00e9 um indicador fundamental para que sejam feitos os reajustes na mensalidade do plano de sa\u00fade empresarial. Entenda!<\/p>\n","protected":false},"author":1,"featured_media":1560,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[21],"tags":[9],"class_list":["post-1558","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios","tag-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 break-even do plano de sa\u00fade empresarial? - Insights \/ Acrisure<\/title>\n<meta name=\"description\" content=\"O break-even nos planos de sa\u00fade empresariais ajuda a equilibrar custos e definir reajustes de mensalidade.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acrisure.com.br\/insights\/break-even-no-plano-empresarial\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que \u00e9 break-even do plano de sa\u00fade empresarial? 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