{"id":3597,"date":"2021-03-02T12:52:51","date_gmt":"2021-03-02T15:52:51","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=3597"},"modified":"2026-02-03T11:42:58","modified_gmt":"2026-02-03T14:42:58","slug":"planos-de-saude-e-covid-19","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/planos-de-saude-e-covid-19\/","title":{"rendered":"Covid-19: O que os planos de sa\u00fade s\u00e3o obrigados a cobrir"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.20.0&#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>Muitas pessoas ainda t\u00eam d\u00favidas sobre quais as obriga\u00e7\u00f5es dos planos de sa\u00fade em rela\u00e7\u00e3o ao coronav\u00edrus. Com o aumento de novos casos da infec\u00e7\u00e3o, os hospitais est\u00e3o cada vez mais cheios. Apesar de a rede privada estar preparada para receber pacientes, \u00e9 importante saber o que as operadoras cobrem para n\u00e3o ser pego desprevenido. Por isso,\u00a0separamos as perguntas mais frequentes a respeito da cobertura dos planos de sa\u00fade relacionadas \u00e0 Covid-19. Continue lendo!<\/p>\n<h4>O que fazer se estiver com sintomas suspeitos de coronav\u00edrus?<\/h4>\n<p>No in\u00edcio da pandemia, a orienta\u00e7\u00e3o do <a href=\"https:\/\/web.archive.org\/web\/20210507133008\/https:\/\/coronavirus.saude.gov.br\/sobre-a-doenca\" target=\"_blank\" rel=\"noopener\">Minist\u00e9rio da Sa\u00fade<\/a> era s\u00f3 buscar ajuda m\u00e9dica quando sintomas graves aparecessem. Mas, com o passar do tempo, essa recomenda\u00e7\u00e3o mudou. Agora, \u00e9 incentivado a procura pelo atendimento assim que os primeiros <a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">sinais da Covid-19<\/a> derem as caras.<\/p>\n<p>Entretanto, a sugest\u00e3o de muitos especialistas \u00e9 que <strong>pessoas com sintomas leves procurem antes pela telemedicina<\/strong>, uma vez que, se n\u00e3o houver agravamento dos sintomas ou outra condi\u00e7\u00e3o que demande mais aten\u00e7\u00e3o, a ida ao hospital pode aumentar o risco de cont\u00e1gio. Desde 31 de mar\u00e7o de 2020, a <a href=\"https:\/\/www.sbp.com.br\/fileadmin\/user_upload\/NT_TELESSAUDE.pdf.pdf.pdf.pdf.pdf.pdf\" target=\"_blank\" rel=\"noopener\">Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS)<\/a> obriga os planos de sa\u00fade a cobrir os atendimentos feitos \u00e0 dist\u00e2ncia.<\/p>\n<h4>O plano de sa\u00fade cobre teste para diagn\u00f3stico da Covid-19?<\/h4>\n<p>Sim. O <a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">teste RT-PCR<\/a> \u00e9 um exame de cobertura obrigat\u00f3ria nos planos de sa\u00fade, mediante pedido m\u00e9dico, independentemente de a segmenta\u00e7\u00e3o ser ambulatorial, hospitalar ou refer\u00eancia. Ele \u00e9 o principal m\u00e9todo para confirmar o diagn\u00f3stico, pois \u00e9 capaz de identificar uma parte do RNA espec\u00edfica do coronav\u00edrus.<\/p>\n<blockquote>\n<p><strong>Tamb\u00e9m pode interessar:<\/strong><\/p>\n<p><a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">Covid-19: \u00e9 ou n\u00e3o \u00e9 doen\u00e7a ocupacional?<\/a><\/p>\n<p><a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">Quando retornar a equipe em seguran\u00e7a para a empresa<\/a><\/p>\n<\/blockquote>\n<h4>Al\u00e9m do RT-PCR, quais exames relacionados \u00e0 Covid-19 t\u00eam cobertura?<\/h4>\n<ul>\n<li><strong>D\u00edmero D (dosagem):<\/strong> auxilia no diagn\u00f3stico da trombose venosa profunda e tem papel importante na avalia\u00e7\u00e3o dos pacientes com Covid-19;<\/li>\n<li><strong>Procalcitonina (dosagem):<\/strong> recomendado para investiga\u00e7\u00f5es em pacientes graves de Covid-19. Auxilia na distin\u00e7\u00e3o entre quadros severos e mais brandos da doen\u00e7a;<\/li>\n<li><strong>Pesquisa r\u00e1pida ou PCR em tempo real para Influenza A e B:<\/strong> realizados em casos graves para diferenciar o diagn\u00f3stico de Covid-19 e S\u00edndrome Respirat\u00f3ria Aguda Grave (SARS);<\/li>\n<li><strong>Pesquisa r\u00e1pida ou PCR em tempo real para V\u00edrus Sincicial Respirat\u00f3rio (VSR):<\/strong> utilizados para identificar o v\u00edrus VSR em crian\u00e7as com infec\u00e7\u00e3o viral grave respirat\u00f3ria.<\/li>\n<\/ul>\n<h4>Teste sorol\u00f3gico para Covid-19 \u00e9 coberto pelo plano de sa\u00fade?<\/h4>\n<p>Sim. Depois de idas e vindas, os <a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">testes sorol\u00f3gicos<\/a>\u00a0(pesquisa de anticorpos lgG ou anticorpos totais) para detec\u00e7\u00e3o do coronav\u00edrus foram inclu\u00eddos no Rol de Procedimentos que as operadoras s\u00e3o obrigadas a oferecer. A medida passou a valer no dia 14 de agosto de 2020.<\/p>\n<p>Por\u00e9m, o teste sorol\u00f3gico \u00e9 de\u00a0cobertura obrigat\u00f3ria somente quando solicitado pelo m\u00e9dico e desde que demonstrado que o paciente se encaixa nos seguintes crit\u00e9rios:<\/p>\n<ul>\n<li>Quadro de S\u00edndrome Gripal (SG) ou S\u00edndrome Respirat\u00f3ria Aguda Grave (SRAG), a partir do oitavo dia do in\u00edcio dos sintomas;<\/li>\n<li>Crian\u00e7as ou adolescentes com quadro suspeito de S\u00edndrome Multissist\u00eamica Inflamat\u00f3ria p\u00f3s-infec\u00e7\u00e3o pelo SARS-Cov-2;<\/li>\n<li>N\u00e3o ter exame RT-PCR pr\u00e9vio positivo para Covid-19;<\/li>\n<li>N\u00e3o ter realizado teste sorol\u00f3gico com resultado positivo;<\/li>\n<li>N\u00e3o ter realizado teste sorol\u00f3gico, com resultado negativo, h\u00e1 menos de uma semana;<\/li>\n<li>N\u00e3o ser teste r\u00e1pido;<\/li>\n<li>N\u00e3o ter como finalidade o rastreamento de indiv\u00edduos assintom\u00e1ticos, o retorno ao trabalho, pr\u00e9-operat\u00f3rio, controle de cura ou contato pr\u00f3ximo\/domiciliar com caso confirmado ou a verifica\u00e7\u00e3o de imunidade p\u00f3s-vacinal.<\/li>\n<\/ul>\n<h4>Posso solicitar o reembolso do teste sorol\u00f3gico?<\/h4>\n<p>Depende. O reembolso dos testes pode ser solicitado somente a partir da data de incorpora\u00e7\u00e3o ao Rol de Procedimentos. Al\u00e9m disso, o reembolso s\u00f3 \u00e9 poss\u00edvel em duas situa\u00e7\u00f5es:<\/p>\n<ul>\n<li>nos contratos que preveem a possibilidade de escolher um m\u00e9dico ou hospital a seu crit\u00e9rio e ser reembolsado por esse atendimento (livre escolha) \u2013 neste caso o reembolso se dar\u00e1 conforme as regras estabelecidas em contrato;<\/li>\n<li>nos casos em que o benefici\u00e1rio solicitar a cobertura \u00e0 operadora e a mesma n\u00e3o dispuser de rede prestadora para a realiza\u00e7\u00e3o do procedimento \u2013 neste caso o reembolso dever\u00e1 ser integral.<\/li>\n<\/ul>\n<h4>O teste r\u00e1pido tamb\u00e9m \u00e9 coberto pelos planos de sa\u00fade?<\/h4>\n<p>Sim. Desde o dia 20 de janeiro de 2022, o <a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">teste r\u00e1pido para detec\u00e7\u00e3o de ant\u00edgeno SARS-CoV-2 (coronav\u00edrus Covid-19) faz parte do rol de coberturas obrigat\u00f3rias<\/a> para benefici\u00e1rios de planos de sa\u00fade. Sendo assim, tamb\u00e9m \u00e9 poss\u00edvel solicitar o reembolso da operadora.<\/p>\n<h4>O plano de sa\u00fade cobre interna\u00e7\u00e3o pelo coronav\u00edrus?<\/h4>\n<p>Depende. Apenas quem tem o plano hospitalar pode ser internado com as despesas cobertas pelo plano de sa\u00fade. A segmenta\u00e7\u00e3o ambulatorial garante o direito a consultas, exames e terapias.<\/p>\n<p>\u00c9 importante lembrar que as operadoras n\u00e3o s\u00e3o obrigadas a oferecer atendimento domiciliar, a menos que tenha sido negociado com a empresa. Al\u00e9m disso, no caso de planos contratados antes da Lei n\u00ba 9656\/98, vale o que estiver estipulado em contrato.<\/p>\n<h4>Existe car\u00eancia para utilizar o plano em caso de covid-19?<\/h4>\n<p>Sim. Apesar de a Covid-19 ser uma condi\u00e7\u00e3o urgente, os planos podem manter a car\u00eancia, j\u00e1 que n\u00e3o h\u00e1 distin\u00e7\u00e3o sobre o tipo de doen\u00e7a.<\/p>\n<p>Os planos de sa\u00fade s\u00e3o aliados na luta contra o coronav\u00edrus. Em caso de d\u00favidas, procure seu consultor de seguros ou operadora de sa\u00fade para receber a orienta\u00e7\u00e3o adequada. A ANS tamb\u00e9m tem um canal de atendimento para informar a popula\u00e7\u00e3o e atender reclama\u00e7\u00f5es, por meio do n\u00famero 0800 701 9656.<\/p>\n<div class='et-box et-shadow'>\n\t\t\t\t\t<div class='et-box-content'>Siga a Acrisure no <a href=\"https:\/\/www.linkedin.com\/company\/it'sseg\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a>\u00a0e fique por dentro das novidades do Portal RH!<\/div><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Separamos as perguntas mais comuns a respeito da cobertura dos planos de sa\u00fade relacionadas \u00e0 Covid-19.<\/p>\n","protected":false},"author":1,"featured_media":3599,"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":[15],"tags":[20],"class_list":["post-3597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saude","tag-bem-estar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Covid-19: O que os planos de sa\u00fade s\u00e3o obrigados a cobrir - Insights \/ Acrisure<\/title>\n<meta name=\"description\" content=\"Planos de sa\u00fade e Covid-19: saiba o que \u00e9 obrigat\u00f3rio na cobertura, testes, interna\u00e7\u00e3o e reembolso. 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