{"id":5820,"date":"2025-03-24T15:48:08","date_gmt":"2025-03-24T18:48:08","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=5820"},"modified":"2025-12-08T12:08:16","modified_gmt":"2025-12-08T15:08:16","slug":"doencas-lesoes-preexistentes","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/doencas-lesoes-preexistentes\/","title":{"rendered":"Doen\u00e7as e Les\u00f5es Preexistentes no plano de sa\u00fade: o que voc\u00ea precisa saber"},"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>Ao contratar ou aderir a um conv\u00eanio m\u00e9dico, voc\u00ea j\u00e1 deve ter se deparado com a seguinte pergunta na ficha de cadastro: \u201cvoc\u00ea tem alguma doen\u00e7a ou les\u00e3o preexistente? \u201d, e junto dela uma lista de problemas de sa\u00fade que devem ser assinalados em caso positivo.<\/p>\n<p>Segundo a <strong><a href=\"https:\/\/www.gov.br\/ans\/pt-br\" target=\"_blank\" rel=\"noopener\">Ag\u00eancia Nacional de Sa\u00fade Suplementar (ANS),<\/a><\/strong> as Doen\u00e7as e Les\u00f5es Preexistentes (DLPs) s\u00e3o condi\u00e7\u00f5es as quais o benefici\u00e1rio ou seu representante legal tem conhecimento de sua exist\u00eancia no momento da contrata\u00e7\u00e3o ou ades\u00e3o ao plano privado de assist\u00eancia \u00e0 sa\u00fade.<\/p>\n<p>As operadoras <strong>n\u00e3o podem recusar a inclus\u00e3o de um cliente<\/strong> portador de DLPs. No entanto, essas doen\u00e7as podem gerar restri\u00e7\u00f5es \u00e0 cobertura de servi\u00e7os oferecidos pelo plano, bem como car\u00eancias e <span style=\"font-weight: 400;\"><span class='tooltipsall tooltip_post_id_custom_d2e0b2365bd44506e81ae0dbf5555280 classtoolTipsCustomShortCode' style='border-bottom:2px dotted #888;'>Coberturas Parciais Tempor\u00e1rias (CTPs)<\/span><script type=\"text\/javascript\">jQuery(\"document\").ready(function(){ toolTips('.tooltip_post_id_custom_d2e0b2365bd44506e81ae0dbf5555280',' As CTPs s\u00e3o restri\u00e7\u00f5es tempor\u00e1rias aplicadas em planos de sa\u00fade\\. Elas impedem que o benefici\u00e1rio utilize a cobertura para procedimentos espec\u00edficos relacionados a doen\u00e7as ou les\u00f5es pr\u00e9\\-existentes, por um per\u00edodo determinado\\<\\\/span\\>\\.'); });<\/script> \u2013 que n\u00e3o podem ultrapassar 24 meses, prazo m\u00e1ximo definido pela ANS.<\/p>\n<h3>Leia tamb\u00e9m<\/h3>\n<ul>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/doencas-cronicas-nas-empresas\/\" target=\"_blank\" rel=\"noopener\">Abordagens para gerenciar doen\u00e7as cr\u00f4nicas nas empresas<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/custos-da-saude-mental\/\" target=\"_blank\" rel=\"noopener\">Como lidar com a difus\u00e3o de doen\u00e7as mentais?<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/preco-doencas-cronicas\/\" target=\"_blank\" rel=\"noopener\">O pre\u00e7o das Doen\u00e7as Cr\u00f4nicas: como as empresas podem agir<\/a><\/li>\n<\/ul>\n<h2>Regras para as CPTs aplic\u00e1veis \u00e0s Doen\u00e7as ou Les\u00f5es Preexistentes<\/h2>\n<p><strong>Contratos Individuais ou Familiares:<\/strong> pode haver cobran\u00e7a de car\u00eancia e CPTs;<\/p>\n<p><strong>Contratos coletivos por ades\u00e3o:<\/strong> pode haver car\u00eancia e CPTs, com exce\u00e7\u00e3o das ades\u00f5es ocorridas no anivers\u00e1rio do contrato firmado entre contratante\/estipulante e operadora, quando ent\u00e3o n\u00e3o existem.<\/p>\n<p><strong>Contratos coletivos empresariais com mais de 30 benefici\u00e1rios:<\/strong> n\u00e3o pode haver car\u00eancia nem CPTs desde que a inclus\u00e3o do benefici\u00e1rio titular ocorra em at\u00e9 30 dias da data do v\u00ednculo com a empresa e que inclus\u00e3o dos dependentes ocorra dentro dos limites contratualmente indicado. No \u00faltimo caso, usualmente as operadoras t\u00eam aplicado o prazo de 30 dias do in\u00edcio da condi\u00e7\u00e3o de dependente (casamento, nascimento, ado\u00e7\u00e3o, in\u00edcio de uni\u00e3o est\u00e1vel).<\/p>\n<p><strong>Contratos coletivos empresariais com menos de 30 benefici\u00e1rios:<\/strong> pode haver car\u00eancia e CPTs, mesmo que a inclus\u00e3o do benefici\u00e1rio titular ocorra em at\u00e9 30 dias da data do v\u00ednculo com a empresa, ou que inclus\u00e3o dos dependentes ocorra dentro dos prazos contratualmente negociados.<\/p>\n<p>Mas fique tranquilo, isso n\u00e3o quer dizer que voc\u00ea n\u00e3o poder\u00e1 utilizar o plano para tratar uma doen\u00e7a que j\u00e1 existia antes da contrata\u00e7\u00e3o. Nesse caso, basta negociar com a operadora o pagamento do chamado Agravo, um acr\u00e9scimo \u00e0 mensalidade do benefici\u00e1rio que garante o tratamento para essas doen\u00e7as no per\u00edodo de car\u00eancia.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As Doen\u00e7as e Les\u00f5es Preexistentes s\u00e3o condi\u00e7\u00f5es as quais o benefici\u00e1rio tem conhecimento da exist\u00eancia no momento da contrata\u00e7\u00e3o do plano.<\/p>\n","protected":false},"author":1,"featured_media":5213,"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-5820","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>Doen\u00e7as e Les\u00f5es Preexistentes no plano de sa\u00fade<\/title>\n<meta name=\"description\" content=\"As Doen\u00e7as e Les\u00f5es Preexistentes s\u00e3o condi\u00e7\u00f5es as quais o benefici\u00e1rio tem conhecimento da exist\u00eancia no momento da contrata\u00e7\u00e3o do plano.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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