{"id":20950,"date":"2026-05-18T10:33:18","date_gmt":"2026-05-18T13:33:18","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=20950"},"modified":"2026-05-18T10:33:23","modified_gmt":"2026-05-18T13:33:23","slug":"ans-cancelamento-planos-saude-selecao-de-risco-reembolso","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/ans-cancelamento-planos-saude-selecao-de-risco-reembolso\/","title":{"rendered":"ANS: workshop debate cancelamentos de planos de sa\u00fade, sele\u00e7\u00e3o de risco e regras de reembolso"},"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;4.27.3&#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;4.27.6&#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\">O\u00a0<\/span><b><span data-contrast=\"auto\">3\u00ba Workshop de Temas Relevantes para a Fiscaliza\u00e7\u00e3o<\/span><\/b><span data-contrast=\"auto\">, promovido pela\u00a0<\/span><a href=\"https:\/\/www.gov.br\/ans\/pt-br\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS)<\/span><\/a><span data-contrast=\"auto\">, colocou em pauta os cancelamentos de planos de sa\u00fade, a chamada\u00a0\u201csele\u00e7\u00e3o de risco\u201d\u00a0e os par\u00e2metros de reembolso.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O encontro reuniu representantes do setor para apresentar atualiza\u00e7\u00f5es sobre fiscaliza\u00e7\u00e3o, crit\u00e9rios operacionais\u00a0das operadoras e regras de comunica\u00e7\u00e3o com benefici\u00e1rios em diferentes situa\u00e7\u00f5es contratuais.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">ANS detalha hip\u00f3teses de cancelamento unilateral de contratos\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Durante o evento, a ANS apresentou situa\u00e7\u00f5es consideradas leg\u00edtimas para o cancelamento unilateral de contratos pelas operadoras. Entre os casos est\u00e3o:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u00b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u00b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">inadimpl\u00eancia do contratante;\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u00b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u00b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">fraude comprovada;\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u00b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u00b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">descumprimento contratual;\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u00b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u00b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">extin\u00e7\u00e3o da empresa contratante;\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u00b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u00b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">inviabilidade t\u00e9cnica de manuten\u00e7\u00e3o da rede credenciada;\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u00b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u00b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">encerramento das atividades da operadora autorizado pela ANS.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Nos contratos empresariais, foi refor\u00e7ada a necessidade de uma comunica\u00e7\u00e3o clara aos benefici\u00e1rios, especialmente em processos de\u00a0<\/span><b><span data-contrast=\"auto\">exclus\u00e3o e portabilidade<\/span><\/b><span data-contrast=\"auto\">, garantindo que todos tenham ci\u00eancia das mudan\u00e7as contratuais.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A ag\u00eancia tamb\u00e9m esclareceu que o\u00a0<\/span><b><span data-contrast=\"auto\">encerramento pode ocorrer mesmo em casos de tratamento cont\u00ednuo<\/span><\/b><span data-contrast=\"auto\">, desde que n\u00e3o haja interna\u00e7\u00e3o hospitalar no momento da rescis\u00e3o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276,&quot;335559991&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Em casos de\u00a0<\/span><b><span data-contrast=\"auto\">rescis\u00e3o feita pelo pr\u00f3prio benefici\u00e1rio<\/span><\/b><span data-contrast=\"auto\">, as despesas posteriores passam a ser de sua responsabilidade.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">Leia tamb\u00e9m:<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/ans-amplia-cobertura-obrigatoria\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">ANS amplia cobertura obrigat\u00f3ria de tratamentos na sa\u00fade suplementar<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/ans-atualiza-regioes-de-saude\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">ANS atualiza Regi\u00f5es de Sa\u00fade e refor\u00e7a fiscaliza\u00e7\u00e3o<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span data-contrast=\"none\">Sele\u00e7\u00e3o de risco: quando cancelamentos podem indicar pr\u00e1tica discriminat\u00f3ria<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Outro tema discutido foi a chamada sele\u00e7\u00e3o de risco, pr\u00e1tica que pode ocorrer quando cancelamentos atingem grupos espec\u00edficos de benefici\u00e1rios.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Segundo o entendimento, situa\u00e7\u00f5es motivadas por \u201cfalta de interesse comercial\u201d podem levantar ind\u00edcios de pr\u00e1tica discriminat\u00f3ria, especialmente em casos envolvendo:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">idosos;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">pacientes cr\u00f4nicos;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">pequenas empresas com alta sinistralidade.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">No entanto, cancelamentos aplicados de forma ampla, sem direcionamento espec\u00edfico, n\u00e3o permitem concluir automaticamente a exist\u00eancia de discrimina\u00e7\u00e3o. A\u00a0<\/span><b><span data-contrast=\"auto\">an\u00e1lise depende do contexto e dos crit\u00e9rios adotados pela operadora<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Reembolso em planos de sa\u00fade: foco em transpar\u00eancia e comprova\u00e7\u00e3o<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">As regras de reembolso tamb\u00e9m ganharam destaque no encontro, especialmente com foco na transpar\u00eancia das opera\u00e7\u00f5es e na comprova\u00e7\u00e3o dos pagamentos realizados pelas operadoras.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A ANS discutiu tr\u00eas pontos principais:\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Possibilidade de reembolso integral mediante anu\u00eancia pr\u00e9via do benefici\u00e1rio.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Necessidade de maior clareza em pagamentos realizados a terceiros.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Crit\u00e9rios para comprova\u00e7\u00e3o do reembolso em diferentes modalidades, como\u00a0<\/span><span data-contrast=\"auto\">cart\u00e3o de cr\u00e9dito, parcelamentos e cheques.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ol>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Fiscaliza\u00e7\u00e3o da ANS ter\u00e1 mais transpar\u00eancia e feedback peri\u00f3dico\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Por fim, a ANS apresentou atualiza<\/span><span data-contrast=\"auto\">\u00e7\u00f5es sobre os seus crit\u00e9rios de fiscaliza\u00e7\u00e3o e informou que passar\u00e1 a oferecer feedbacks trimestrais \u00e0s operadoras.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O objetivo \u00e9 identificar falhas recorrentes nas defesas apresentadas e ampliar a transpar\u00eancia dos processos administrativos.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Hoje, os\u00a0<\/span><b><span data-contrast=\"auto\">processos movidos contra operadoras\u00a0representam 47% de toda a judicializa\u00e7\u00e3o da sa\u00fade no pa\u00eds<\/span><\/b><span data-contrast=\"auto\">. Segundo dados do\u00a0<\/span><a href=\"https:\/\/www.cnj.jus.br\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Conselho Nacional de Justi\u00e7a (CNJ)<\/span><\/a><span data-contrast=\"auto\">, entre janeiro e outubro de 2025 foram registradas 283.531 a\u00e7\u00f5es contra operadoras de planos de sa\u00fade, alta de 7% em rela\u00e7\u00e3o ao mesmo per\u00edodo de 2024.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Na pr\u00e1tica, o workshop sinaliza que a ag\u00eancia deve intensificar o acompanhamento sobre condutas consideradas sens\u00edveis, sobretudo em situa\u00e7\u00f5es que possam gerar d\u00favidas sobre discrimina\u00e7\u00e3o, descontinuidade assistencial ou falhas de informa\u00e7\u00e3o aos benefici\u00e1rios.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A ANS reuniu representantes do setor de sa\u00fade suplementar para discutir as regras de cancelamento de planos de sa\u00fade, sele\u00e7\u00e3o de risco e crit\u00e9rios de reembolso durante o 3\u00ba Workshop de Temas Relevantes para a Fiscaliza\u00e7\u00e3o.<\/p>\n","protected":false},"author":1,"featured_media":20953,"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":[78],"tags":[95],"class_list":["post-20950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ans","tag-legislacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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