{"id":1741,"date":"2017-04-26T08:00:34","date_gmt":"2017-04-26T11:00:34","guid":{"rendered":"https:\/\/segurosinteligentes.com.br\/oldrh\/_old\/?p=1741"},"modified":"2017-04-25T19:52:55","modified_gmt":"2017-04-25T22:52:55","slug":"estudo-aponta-fatores-para-a-incidencia-dos-planos-individuais","status":"publish","type":"post","link":"https:\/\/segurosinteligentes.com.br\/oldrh\/estudo-aponta-fatores-para-a-incidencia-dos-planos-individuais\/","title":{"rendered":"Estudo aponta fatores para a incid\u00eancia dos planos individuais"},"content":{"rendered":"

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RAIO-X | 26.ABRIL.2017<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”t\u00edtulo” background_layout=”light” text_orientation=”left” text_font=”|on|||” text_font_size=”32″ text_text_color=”#495358″ text_line_height=”1em” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

Estudo aponta fatores para a incid\u00eancia dos planos individuais<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”conte\u00fado” background_layout=”light” text_orientation=”left” text_font=”Open Sans||||” text_font_size=”16″ text_text_color=”#748690″ text_line_height=”1.5em” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

Em sua mais recente edi\u00e7\u00e3o da publica\u00e7\u00e3o Textos para Discuss\u00e3o, o IESS (Instituto de Estudos de Sa\u00fade Suplementar) levantou quais caracter\u00edsticas est\u00e3o relacionadas \u00e0 maior probabilidade de um indiv\u00edduo adquirir um plano de sa\u00fade individual no Brasil, utilizando-se de dados da Pesquisa Nacional de Sa\u00fade de 2013, do IBGE.<\/p>\n

Um dos aspectos mais evidentes \u00e9 o n\u00edvel de escolaridade: aqueles que possuem ensino superior completo t\u00eam 9,18% mais probabilidade de ter um plano individual, em rela\u00e7\u00e3o \u00e0queles classificados como \u201csem instru\u00e7\u00e3o\u201d. O local de resid\u00eancia tamb\u00e9m exerce influ\u00eancia nos resultados: os residentes da regi\u00e3o Sudeste s\u00e3o 3,2% mais propensos e os nordestinos s\u00e3o 2,06% menos propensos a possuir um plano individual quando comparados aos habitantes da regi\u00e3o Sul.<\/p>\n

Outros fatores incluem a presen\u00e7a de uma ou mais doen\u00e7as cr\u00f4nicas (aumento de 1,22% na probabilidade), interna\u00e7\u00f5es recentes (aumento de 0,69%), a presen\u00e7a de idosos no domic\u00edlio (aumento de 0,18%) e a faixa et\u00e1ria: cada ano a mais de vida representa um aumento de 0,13% nas contrata\u00e7\u00f5es de planos individuais.<\/p>\n

Na pr\u00e1tica, os resultados apontam para o que se chama de \u201csele\u00e7\u00e3o adversa\u201d, onde a maior incid\u00eancia de planos individuais se d\u00e1 entre aqueles que necessitam de mais cuidados de sa\u00fade e usam o benef\u00edcio para acessar esses servi\u00e7os. Isso significa que, sem a participa\u00e7\u00e3o daqueles que pagam e n\u00e3o utilizam o servi\u00e7o com frequ\u00eancia, o sistema pode se desequilibrar, gerando aumento nos custos e, consequentemente, nas mensalidades.<\/p>\n

Para acessar a publica\u00e7\u00e3o, clique aqui<\/a>.<\/p>\n

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PORTAL RH IT\u2019SSEG \u00e9 uma publica\u00e7\u00e3o da It\u2019sSeg Seguros Inteligentes. N\u00e3o \u00e9 permitida a reprodu\u00e7\u00e3o do conte\u00fado, mesmo que parcial, para uso comercial de qualquer natureza.<\/p>\n

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PORTAL RH IT\u2019SSEG \u00e9 uma publica\u00e7\u00e3o da It\u2019sSeg Seguros Inteligentes. N\u00e3o \u00e9 permitida a reprodu\u00e7\u00e3o do conte\u00fado, mesmo que parcial, para uso comercial de qualquer natureza.<\/p>\n

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N\u00edvel de instru\u00e7\u00e3o e regi\u00e3o geogr\u00e1fica, entre outros, influenciam nos n\u00fameros da modalidade.<\/p>\n","protected":false},"author":1,"featured_media":1742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_links_to":"","_links_to_target":""},"categories":[3],"tags":[162],"_links":{"self":[{"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/posts\/1741"}],"collection":[{"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/comments?post=1741"}],"version-history":[{"count":2,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/posts\/1741\/revisions"}],"predecessor-version":[{"id":10484,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/posts\/1741\/revisions\/10484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/media\/1742"}],"wp:attachment":[{"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/media?parent=1741"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/categories?post=1741"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/tags?post=1741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}