{"id":8251,"date":"2024-07-03T09:12:05","date_gmt":"2024-07-03T12:12:05","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=8251"},"modified":"2025-12-16T15:25:31","modified_gmt":"2025-12-16T18:25:31","slug":"planos-pre-pagos-e-pos-pagos","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/planos-pre-pagos-e-pos-pagos\/","title":{"rendered":"Pr\u00e9-pago ou P\u00f3s-pago: Analisando as Vantagens dos 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;4.27.3&#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>Uma alternativa que vem atraindo cada vez mais o interesse de grandes e m\u00e9dias empresas \u00e9 a op\u00e7\u00e3o de p\u00f3s-pagamento dos planos de sa\u00fade. Nessa modalidade, os \u00edndices de redu\u00e7\u00e3o de custos no primeiro ano podem atingir at\u00e9 30%.<\/p>\n<p>Isso ocorre devido ao chamado &#8220;run-in&#8221;, que \u00e9 o per\u00edodo entre a utiliza\u00e7\u00e3o do plano e o pagamento dos sinistros. Nos primeiros 3 meses, normalmente n\u00e3o h\u00e1 o pagamento de 100% da utiliza\u00e7\u00e3o do plano. Al\u00e9m disso, os planos de p\u00f3s-pagamento n\u00e3o est\u00e3o sujeitos a reajustes baseados na sinistralidade e na <a href=\"https:\/\/acrisure.com.br\/insights\/o-que-e-vcmh-inflacao-medica\/\" target=\"_blank\" rel=\"noopener\">varia\u00e7\u00e3o de custo m\u00e9dico-hospitalar (VCMH),<\/a> diferentemente dos planos de pr\u00e9-pagamento.<\/p>\n<p>No entanto,<strong> existem alguns requisitos<\/strong> para que a empresa se adeque ao perfil de p\u00f3s-pagamento:<\/p>\n<ul>\n<li>A empresa assume o risco dos sinistros;<\/li>\n<li>As regras do benef\u00edcio devem estar claras;<\/li>\n<li>\u00c9 necess\u00e1rio ter um comit\u00ea de decis\u00e3o para casos excepcionais;<\/li>\n<li>Estar preparado para reportar \u00e0 matriz em caso de grandes oscila\u00e7\u00f5es de custos;<\/li>\n<li>Ter ci\u00eancia de que a operadora atua apenas como intermedi\u00e1ria, cabendo \u00e0 empresa ou a terceiros contratados, definir e implantar a\u00e7\u00f5es de controle e redu\u00e7\u00e3o de custos;<\/li>\n<li>A empresa deve subsidiar eventuais programas de controle, como auditorias e programas de preven\u00e7\u00e3o;<\/li>\n<li>Formar as reservas financeiras necess\u00e1rias;<\/li>\n<li>Estar disposta a atuar com um sistema de fluxo de caixa.<\/li>\n<\/ul>\n<h2><strong>Pr\u00e9-pagamento e P\u00f3s-pagamento: Vantagens e Desvantagens<\/strong><\/h2>\n<p>A maioria dos planos de sa\u00fade corporativos atualmente adota o modelo de pr\u00e9-pagamento. Nessa modalidade, a empresa paga um valor previamente calculado \u00e0 operadora por cada benefici\u00e1rio, referente aos servi\u00e7os cobertos no contrato.<\/p>\n<p>Esse valor pode ser reajustado ap\u00f3s 12 meses, de acordo com um \u00edndice financeiro estipulado, geralmente o VCMH (Varia\u00e7\u00e3o de Custos M\u00e9dicos Hospitalares). Al\u00e9m disso, o valor pode ser ajustado quando h\u00e1 um <a href=\"https:\/\/acrisure.com.br\/insights\/reajuste-por-sinistralidade\/\" target=\"_blank\" rel=\"noopener\">aumento da sinistralidade,<\/a> onde o resultado do contrato supera o ponto de equil\u00edbrio determinado, na maioria dos casos 70%.<\/p>\n<p>Por outro lado, nos contratos de p\u00f3s-pagamento, as empresas pagam os servi\u00e7os utilizados pelos benefici\u00e1rios, acrescidos de uma taxa administrativa. Essa estrutura possibilita<strong> a redu\u00e7\u00e3o dos custos assistenciais,<\/strong> pois o custo do plano \u00e9 calculado de forma diferente, diminuindo a despesa administrativa da operadora.<\/p>\n<p>Nos contratos p\u00f3s-pagos, a despesa administrativa gira em torno de 10% dos custos totais, enquanto nos contratos de pr\u00e9-pagamento, a margem est\u00e1 relacionada ao limite t\u00e9cnico da sinistralidade, podendo chegar a 20% quando o limite \u00e9 de 80% ou at\u00e9 30% quando o limite \u00e9 de 70%, que \u00e9 o mais comum.<\/p>\n<p>Outra vantagem dos planos de p\u00f3s-pagamento \u00e9 a possibilidade de incluir coberturas extras do <a href=\"https:\/\/acrisure.com.br\/insights\/?s=rol+ans&amp;et_pb_searchform_submit=et_search_proccess&amp;et_pb_include_posts=yes&amp;et_pb_include_pages=yes\" target=\"_blank\" rel=\"noopener\">Rol da ANS,<\/a> al\u00e9m de customizar a rede de atendimento e as condi\u00e7\u00f5es de reembolso.<\/p>\n<h3><strong>\u00c9 melhor um plano de sa\u00fade pr\u00e9-pago ou p\u00f3s-pago?<\/strong><\/h3>\n<p>A escolha entre um plano de sa\u00fade pr\u00e9-pago ou p\u00f3s-pago <strong>depende do perfil de cada empresa.<\/strong> Antes de tomar uma decis\u00e3o, a organiza\u00e7\u00e3o deve estudar cuidadosamente se \u00e9 vi\u00e1vel migrar de modalidade, pois \u00e9 necess\u00e1ria certa maturidade para absorver os riscos, principalmente devido \u00e0s oscila\u00e7\u00f5es dos custos dos servi\u00e7os de sa\u00fade e \u00e0 imprevisibilidade dos gastos nos contratos de p\u00f3s-pagamento.<\/p>\n<p>Fatores como o n\u00famero de benefici\u00e1rios, o hist\u00f3rico de uso do plano, a quantidade de casos cr\u00f4nicos, entre outros aspectos relacionados \u00e0 <a href=\"https:\/\/acrisure.com.br\/insights\/category\/gestao-da-saude\/\" target=\"_blank\" rel=\"noopener\">Gest\u00e3o de Sa\u00fade<\/a> s\u00e3o decisivos para determinar se o plano p\u00f3s-pago \u00e9 a melhor op\u00e7\u00e3o para reduzir custos.<\/p>\n<p>A orienta\u00e7\u00e3o \u00e9 sempre avaliar o hist\u00f3rico de utiliza\u00e7\u00e3o da empresa, analisar a regra do produto, as coberturas, o custo atual e realizar um comparativo entre as modalidades de contrato. Dessa forma, \u00e9 poss\u00edvel identificar os pontos positivos e negativos de cada modalidade e ter a vis\u00e3o financeira sobre a melhor op\u00e7\u00e3o para cada cliente.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,3_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; admin_label=&#8221;Assinatura com foto&#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; max_width=&#8221;470px&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;40px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/acrisure.com.br\/insights\/wp-content\/uploads\/Cesar-Baldan.jpg&#8221; alt=&#8221;Foto corporativa do Cesar Baldan&#8221; title_text=&#8221;Foto-corporativa-Acrisure&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; width=&#8221;106px&#8221; max_width=&#8221;100%&#8221; module_alignment=&#8221;left&#8221; min_height=&#8221;100px&#8221; custom_margin_tablet=&#8221;||10px||false|false&#8221; custom_margin_phone=&#8221;||10px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_css_free_form=&#8221;selector img {||  object-fit: cover; object-position: center;||}&#8221; border_radii=&#8221;on|50%|50%|50%|50%&#8221; border_width_all=&#8221;3px&#8221; border_color_all=&#8221;#85B73C&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;3_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_font=&#8221;|700|on||||||&#8221; text_text_color=&#8221;#7F7A83&#8243; text_letter_spacing=&#8221;1px&#8221; text_line_height=&#8221;1.3em&#8221; positioning=&#8221;absolute&#8221; position_origin_a=&#8221;center_left&#8221; horizontal_offset=&#8221;-3px&#8221; position_origin_a_tablet=&#8221;center_left&#8221; position_origin_a_phone=&#8221;center_left&#8221; position_origin_a_last_edited=&#8221;on|desktop&#8221; position_origin_f_tablet=&#8221;&#8221; position_origin_f_phone=&#8221;&#8221; position_origin_f_last_edited=&#8221;on|desktop&#8221; position_origin_r_tablet=&#8221;&#8221; position_origin_r_phone=&#8221;&#8221; position_origin_r_last_edited=&#8221;on|desktop&#8221; width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; positioning_tablet=&#8221;none&#8221; positioning_phone=&#8221;none&#8221; positioning_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"padding-bottom: 1px; font-size: 15px;\">\u203a Artigo escrito por<\/p>\n<p><span style=\"color: #85b73c;\">C\u00e9sar Baldan<\/span><br \/><em>Diretor de Placement na Acrisure<\/em><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fornecedores de energia se sentem mais embasados ao negociar com compradores que ofertam garantia.<\/p>\n","protected":false},"author":1,"featured_media":2361,"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":[21],"tags":[9],"class_list":["post-8251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios","tag-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9-pago ou P\u00f3s-pago: Analisando Planos de Sa\u00fade Corporativos<\/title>\n<meta name=\"description\" content=\"Uma alternativa que atrai cada vez mais o interesse de grandes e m\u00e9dias empresas \u00e9 a op\u00e7\u00e3o de p\u00f3s-pagamento dos planos de sa\u00fade corporativos.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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