{"id":5472,"date":"2017-05-11T12:47:23","date_gmt":"2017-05-11T15:47:23","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=5472"},"modified":"2026-02-03T10:51:18","modified_gmt":"2026-02-03T13:51:18","slug":"remissao-nos-planos-de-saude","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/remissao-nos-planos-de-saude\/","title":{"rendered":"Remiss\u00e3o nos planos de sa\u00fade"},"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;4.21.0&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A cl\u00e1usula de remiss\u00e3o, presente em alguns contratos de planos de sa\u00fade, \u00e9 um tipo de seguro atrelado ao valor da mensalidade, que garante a perman\u00eancia dos <a href=\"https:\/\/segurosinteligentes.com.br\/oldrh\/_old\/para-o-plano-de-saude-quem-sao-seus-dependentes\/\" target=\"_blank\" rel=\"noopener\">dependentes<\/a> no benef\u00edcio, sem nenhum tipo de cobran\u00e7a, por um per\u00edodo pr\u00e9-determinado que pode ser de tr\u00eas a cinco anos, em caso de falecimento do titular.<\/p>\n<p style=\"color: #495358; font-size: 22px; font-weight: bold;\">Fim da remiss\u00e3o, fim do plano?<\/p>\n<p>Algumas operadoras determinam que, ap\u00f3s o t\u00e9rmino do per\u00edodo de remiss\u00e3o, os dependentes devem ser exclu\u00eddos do plano. Entretanto, o fim da remiss\u00e3o n\u00e3o encerra o v\u00ednculo contratual seja o plano individual, familiar ou coletivo.<\/p>\n<p>Para os planos individuais e familiares, os dependentes podem continuar com as mesmas condi\u00e7\u00f5es, desde que arquem com o custo das mensalidades. O valor ser\u00e1 o mesmo pago pelo titular, corrigido pelos \u00edndices de reajuste aplicados no contrato desde o falecimento. Esse direito \u00e9 garantido pela Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS), que em 2010 publicou a S\u00famula Normativa n\u00ba13, que considera a exclus\u00e3o dos dependentes ap\u00f3s o t\u00e9rmino da remiss\u00e3o como infra\u00e7\u00e3o pass\u00edvel de multa, que deve ser denunciada \u00e0 Ag\u00eancia.<\/p>\n<p>J\u00e1 para os planos coletivos por ades\u00e3o ou empresariais, o t\u00e9rmino da remiss\u00e3o imp\u00f5e aos dependentes o t\u00e9rmino do benef\u00edcio, j\u00e1 que nessas modalidades \u00e9 necess\u00e1ria a exist\u00eancia do titular para que eles fiquem no plano. Por\u00e9m, para estes benefici\u00e1rios \u00e9 poss\u00edvel o exerc\u00edcio do direito da S\u00famula 21 da ANS, ela garante o direito dos dependentes de obter uma nova contrata\u00e7\u00e3o dentro da mesma operadora em que constavam como remidos, seja em planos individuais, familiares ou coletivos por ades\u00e3o, sem ser exigidos novos <a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">prazos de car\u00eancia<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entenda como funciona essa cl\u00e1usula contratual que garante a continuidade do benef\u00edcio aos dependentes.<\/p>\n","protected":false},"author":1,"featured_media":5474,"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":[22],"tags":[9],"class_list":["post-5472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislacao","tag-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Remiss\u00e3o nos planos de sa\u00fade<\/title>\n<meta name=\"description\" content=\"Entenda como funciona essa cl\u00e1usula contratual que garante a continuidade do benef\u00edcio aos dependentes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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