Clipping of news on Brazilian Culture, Law and Citizenship
03/28/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Rosas do Além In not understand the value of the adjustment of age and was seeking explanations from the plan. Photo: Fernanda Martins
Retired employees of the Ministry of Finance, Edinaldo Assis Goes, 77, did not imagine that upon reaching that age, would be unable to pay for health insurance. The reason the adjustment was around 300%, made in only one year.
In 2011, Edinaldo paid R$ 191 per month by the collective level of co-participation of GEAP to the server and the woman, but the fees began to rise.
In July of the same year, the figure rose to R$ 256, plus a share of R$ 64, the collection of which, according to him, was not explained. The worst occurred in 2012, when the bill came to R$ 822. After seeking answers, without success, the senior decided to cut the plan. Today, if you need assistance, you must seek the public.
The lawyer Rosas do Além saw the price of the individual Unimed-Rio climb from R$ 431 to R$ 635 (47%), when he completed 59 years. Without understanding, she sought the help of Protest - Consumers Association. The operator explained that the annual adjustment regarding the rate fixed by the National Health Agency (ANS).
Joana Cruz, a lawyer for the Brazilian Consumer Defense (IDEC), says that health insurance companies can not apply to tuition increases abusive.
- If the value is much higher than what the customer paid, the contract may be canceled, as required by the Consumer Defense Code (CDC) - Joanna said.
The plan's son Aline had Crocamo adjustment abusive. Unimed-Rio did not fix the problem. Photo: Fernanda Martins
Justice has given victory to users
According to the lawyer Joana Cruz, companies justify the increases by the number of surgeries performed, and other procedures, but the explanation does not convince the court, which has given cause to gain consumers.
According to the consultant in Consumer Law Procon-RJ, Rachel Maria Coelho Pereira, increases in individual or family plans follow indexes set by ANS, around 7%. The collective, no.
The systems analyst Aline Crocamo, 36, says Unimed-Rio applied two adjustments to the plans of the children in a year: from R$ 136 to R$ 149 and then to R$ 161 - 18% correction, well above inflation. For the company, the increases are correct.
Care to help prevent problems
Plan chosen
It is important to know if the contract only includes consultation or hospitalization and other procedures. Worth checking the geographical coverage.
Readjustment
You need to consult the annual rate of increase authorized for the selected operator. The information is available on the ANS (www.ans.gov.br). Should seek a reputable broker for the consumer feel secure.
Prices
One should know the values of monthly all age groups. It is important to check if the doctor of your choice goes by plan.
Information
If you decide to bring a lawsuit against the company, you must seek advice on consumer protection bodies.
Protest
The organization warns that the operator can not reject or delete the elderly because of costs (proteste.org.br).
Procon-RJ
At the site of Procon-RJ can answer questions about health plans. Visit: www.procon.rj.gov.br/.
Idec
You can get information by www.idec.org.br/ site.
Complain Here
The site allows you to expose www.reclameaqui.com.br opinions and criticizing any company.
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Source: Extra - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.