{"id":1769,"date":"2017-05-11T08:00:36","date_gmt":"2017-05-11T11:00:36","guid":{"rendered":"https:\/\/segurosinteligentes.com.br\/oldrh\/_old\/?p=1769"},"modified":"2017-05-12T09:50:48","modified_gmt":"2017-05-12T12:50:48","slug":"remissao-nos-planos-de-saude","status":"publish","type":"post","link":"https:\/\/segurosinteligentes.com.br\/oldrh\/remissao-nos-planos-de-saude\/","title":{"rendered":"Remiss\u00e3o nos planos de sa\u00fade"},"content":{"rendered":"

[et_pb_section admin_label=”section” transparent_background=”on” background_color=”#ffffff” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” custom_padding=”0px||50px|”][et_pb_row admin_label=”row” make_fullwidth=”off” use_custom_width=”on” width_unit=”off” use_custom_gutter=”off” padding_mobile=”on” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” parallax_2=”off” parallax_method_2=”off” column_padding_mobile=”on” custom_padding=”50px|35px|50px|35px” background_color=”#ffffff”][et_pb_column type=”2_3″][et_pb_text admin_label=”tag e data” background_layout=”light” text_orientation=”left” text_font=”|on|||” text_font_size=”16″ text_text_color=”#9ec31e” text_line_height=”1.5em” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||0px|”]<\/p>\n

VOC\u00ca PRECISA SABER | 11.MAIO.2017<\/p>\n

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Remiss\u00e3o nos planos de sa\u00fade<\/p>\n

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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 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

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Fim da remiss\u00e3o, fim do plano?<\/p>\n

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

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

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 prazos de car\u00eancia<\/a>.<\/p>\n

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Entenda como funciona essa cl\u00e1usula contratual que garante a continuidade do benef\u00edcio aos dependentes.<\/p>\n","protected":false},"author":1,"featured_media":1771,"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":[13],"tags":[165],"_links":{"self":[{"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/posts\/1769"}],"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=1769"}],"version-history":[{"count":4,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/posts\/1769\/revisions"}],"predecessor-version":[{"id":10472,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/posts\/1769\/revisions\/10472"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/media\/1771"}],"wp:attachment":[{"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/media?parent=1769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/categories?post=1769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosinteligentes.com.br\/oldrh\/wp-json\/wp\/v2\/tags?post=1769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}