{"id":21572,"date":"2026-09-24T13:43:18","date_gmt":"2026-09-24T16:43:18","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=21572"},"modified":"2026-09-24T13:45:04","modified_gmt":"2026-09-24T16:45:04","slug":"reforma-tributatria-seguros-corporativos","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/reforma-tributatria-seguros-corporativos\/","title":{"rendered":"Reforma Tribut\u00e1ria: o que muda para empresas, seguros e planos de sa\u00fade corporativos"},"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;4.27.6&#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\">A implementa\u00e7\u00e3o da <\/span><a href=\"https:\/\/www.gov.br\/receitafederal\/pt-br\/acesso-a-informacao\/acoes-e-programas\/programas-e-atividades\/reforma-tributaria-do-consumo\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Reforma Tribut\u00e1ria sobre o consumo<\/span><\/a><span data-contrast=\"auto\"> inaugura uma nova etapa para o mercado de seguros. Com a cria\u00e7\u00e3o do IVA Dual, formado pela Contribui\u00e7\u00e3o sobre Bens e Servi\u00e7os (CBS) e pelo Imposto sobre Bens e Servi\u00e7os (IBS), o setor de seguros passa a integrar o novo modelo de tributa\u00e7\u00e3o do consumo, com regras aplic\u00e1veis \u00e0s caracter\u00edsticas dessas opera\u00e7\u00f5es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Embora a transi\u00e7\u00e3o para o novo sistema seja gradual e se estenda at\u00e9 2033, mudan\u00e7as relevantes come\u00e7am a produzir efeitos j\u00e1 em 2027. <\/span><b><span data-contrast=\"auto\">A partir de janeiro, PIS e Cofins d\u00e3o lugar \u00e0 CBS, enquanto o IOF sobre seguros deixa de ser cobrado.<\/span><\/b> <span data-contrast=\"auto\">Nesse primeiro momento, o IBS ter\u00e1 al\u00edquota simb\u00f3lica de 0,1% e o ISS continuar\u00e1 sendo cobrado normalmente.<\/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;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Para empresas, essas mudan\u00e7as podem influenciar o custo de determinadas coberturas e acrescentar novos fatores \u00e0 an\u00e1lise dos programas de prote\u00e7\u00e3o corporativa.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Como a Reforma Tribut\u00e1ria pode afetar o custo dos seguros<\/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;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:160,&quot;335559739&quot;:80,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Com o<\/span> <span data-contrast=\"auto\">fim do IOF\/Seguros, a substitui\u00e7\u00e3o dos tributos e a possibilidade de aproveitamento de cr\u00e9ditos, a avalia\u00e7\u00e3o do custo de uma ap\u00f3lice ganha novas perspectivas.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Em 2027, o IBS ter\u00e1 al\u00edquota de 0,1%, enquanto a CBS substituir\u00e1 PIS e Cofins. No regime regular, <\/span><span data-contrast=\"auto\">algumas contrata\u00e7\u00f5es poder\u00e3o gerar cr\u00e9ditos de IBS e CBS, desde que o seguro esteja vinculado \u00e0 atividade tributada da empresa. O valor do cr\u00e9dito acompanhar\u00e1 o montante efetivamente recolhido pela seguradora e poder\u00e1 ser inferior ao imposto destacado sobre o pr\u00eamio.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Na pr\u00e1tica, isso significa que <\/span><b><span data-contrast=\"auto\">o valor do pr\u00eamio, sozinho, n\u00e3o representa todo o impacto da contrata\u00e7\u00e3o<\/span><\/b><span data-contrast=\"auto\">. Ser\u00e1 necess\u00e1rio avaliar tamb\u00e9m como a tributa\u00e7\u00e3o incidente e o eventual<\/span><span data-contrast=\"auto\"> aproveitamento de cr\u00e9ditos poder\u00e3o influenciar o custo final.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">Leia tamb\u00e9m:\u00a0<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">&#8211; <\/span><a href=\"https:\/\/acrisure.com.br\/insights\/reforma-tributaria-sped-obrigacoes-fiscais\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Como a reforma tribut\u00e1ria pode transformar o SPED e as obriga\u00e7\u00f5es fiscais<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">&#8211; <\/span><a href=\"https:\/\/acrisure.com.br\/insights\/simples-nacional-2027-mudancas\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Simples Nacional 2027: o que muda para empresas<\/span><\/a><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Quais seguros podem gerar cr\u00e9ditos de IBS e CBS?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">O aproveitamento de cr\u00e9ditos <\/span><b><span data-contrast=\"auto\">n\u00e3o segue a mesma l\u00f3gica para todos os seguros<\/span><\/b><span data-contrast=\"auto\">. As regras variam conforme a modalidade contratada e as condi\u00e7\u00f5es previstas para cada opera\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" 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;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Seguros patrimoniais, de responsabilidade civil e de frota:<\/span><\/b><span data-contrast=\"auto\"> empresas contribuintes do regime regular poder\u00e3o se apropriar de cr\u00e9ditos quando o seguro estiver relacionado \u00e0s suas atividades tributadas. O valor do cr\u00e9dito acompanhar\u00e1 o IBS e a CBS efetivamente recolhidos pela seguradora.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" 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;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Planos de sa\u00fade:<\/span><\/b><span data-contrast=\"auto\"> em regra, a contrata\u00e7\u00e3o n\u00e3o permite o aproveitamento de cr\u00e9dito. A exce\u00e7\u00e3o ocorre quando o benef\u00edcio \u00e9 oferecido aos empregados por obriga\u00e7\u00e3o prevista <\/span><span data-contrast=\"auto\">em acordo ou conven\u00e7\u00e3o coletiva. Mesmo nessa hip\u00f3tese, o cr\u00e9dito ser\u00e1 proporcional ao valor efetivamente recolhido pela operadora, e n\u00e3o \u00e0 mensalidade paga pela empresa.<\/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;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Em ambos os casos, <\/span><span data-contrast=\"auto\">a empresa n\u00e3o deve considerar automaticamente todo o imposto incidente sobre o valor do pr\u00eamio como cr\u00e9dito dispon\u00edvel. O aproveitamento depender\u00e1 das regras legais aplic\u00e1veis e dos valores efetivamente recolhidos pelos fornecedores.<\/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;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Os desafios que entram no radar de empresas e gestores<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Embora a Reforma Tribut\u00e1ria busque simplificar o sistema de impostos sobre o consumo, <\/span><b><span data-contrast=\"auto\">a transi\u00e7\u00e3o para as novas regras exigir\u00e1 planejamento e acompanhamento por parte das empresas<\/span><\/b><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Entre os principais pontos de aten\u00e7\u00e3o est\u00e3o:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" 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\"><b><span data-contrast=\"auto\">mapear as modalidades contratadas<\/span><\/b><span data-contrast=\"auto\"> e identificar quais podem gerar cr\u00e9ditos de IBS e CBS;\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;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" 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\"><b><span data-contrast=\"auto\">avaliar os contratos vigentes<\/span><\/b><span data-contrast=\"auto\"> e poss\u00edveis reflexos da tributa\u00e7\u00e3o sobre os custos;\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;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" 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\"><b><span data-contrast=\"auto\">acompanhar as etapas da transi\u00e7\u00e3o,<\/span><\/b><span data-contrast=\"auto\"> considerando a entrada dos novos tributos e a retirada gradual dos atuais;\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;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" 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=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">integrar as \u00e1reas envolvidas<\/span><\/b><span data-contrast=\"auto\"> na gest\u00e3o dos seguros, como finan\u00e7as, fiscal, jur\u00eddico, <\/span><a href=\"https:\/\/acrisure.com.br\/beneficios\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">benef\u00edcios<\/span><\/a><span data-contrast=\"auto\"> e <\/span><a href=\"https:\/\/acrisure.com.br\/riscos-corporativos\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">gest\u00e3o de riscos<\/span><span data-contrast=\"auto\">.<\/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;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">A necessidade de acompanhamento permanece relevante porque o ambiente legislativo e regulamentar est\u00e1 sujeito a atualiza\u00e7\u00f5es e aperfei\u00e7oamentos.<\/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;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Nesse contexto, compreender as etapas da transi\u00e7\u00e3o e os impactos sobre cada modalidade ajuda as organiza\u00e7\u00f5es a tomar decis\u00f5es mais informadas e fortalecer a gest\u00e3o dos seguros corporativos.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><i><span data-contrast=\"auto\">Importante:<\/span><\/i><\/b><i><span data-contrast=\"auto\"> Este conte\u00fado tem car\u00e1ter informativo e n\u00e3o constitui aconselhamento jur\u00eddico ou tribut\u00e1rio. Os efeitos da Reforma Tribut\u00e1ria podem variar conforme o perfil da empresa, a modalidade contratada e as caracter\u00edsticas de cada opera\u00e7\u00e3o. Antes de tomar decis\u00f5es, consulte assessorias especializadas<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A transi\u00e7\u00e3o para o novo sistema tribut\u00e1rio traz mudan\u00e7as para o mercado de seguros e para as empresas que contratam essas coberturas. Entenda como o fim do IOF\/Seguros e o poss\u00edvel aproveitamento de cr\u00e9ditos de IBS e CBS podem influenciar os custos e a gest\u00e3o dos seguros corporativos.<\/p>\n","protected":false},"author":1,"featured_media":21574,"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":[83],"tags":[95],"class_list":["post-21572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-leis-e-normas-setoriais","tag-legislacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reforma Tribut\u00e1ria nos seguros e planos de sa\u00fade<\/title>\n<meta name=\"description\" content=\"Entenda como a Reforma Tribut\u00e1ria pode influenciar os custos dos seguros e planos de 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