Clipping of news on Brazilian Culture, Law and Citizenship
30/01/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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How to avoid surprises with the health plan at retirement
Source: Survey
Who does not plan early to keep the health insurance during retirement is likely to face a big problem in the future.
The laws that ensure the former employee the right to remain in the business plan after retiring or preventing abusive increases in the private health insurance prices in this phase of life have limited effects.
In practice, this means that if you do not think in advance in medical expenses that will in the future, inevitably will face increased costs relevant to your budget.
Who has a business group health plan starts to pay the full value of the plan to retire without subsidies offered by the company. For completeness, the former employee will only be entitled to keep the money until the end of life have made contributions to the plan for more than ten years.
Employees who paid the health insurance company for a shorter period may only extend the benefit of form proportional to the time of contribution during retirement. That is, if the plan was paid for a year, the period of validity of the plan after retirement will also be a year.
Once this term, the only option is to hire one of the few and expensive individual plans in the country.
A study by the Brazilian Institute of Consumer Protection (Idec), which analyzed a universe of 20 health insurance providers in the state of São Paulo, showed that private plans are offered by only six of these companies for those with more than 85 years and has preexisting conditions.
The average monthly fee charged to customers with this profile is of thousand. The average price of the cheapest plans is 550,00 and the average of the most expensive real is 1,447.
In the case of those who already have a private health insurance, the cost of tuition may increase more and more as the insured nears retirement.
But there are rules that limit increases by age group, according to determinations of Estatudo Aging and the National Health Agency (ANS).
These rules vary according to the plan's hire date, as shown in the following table, drawn up by the NSA.
Source: Idec
To access Idec site, click here.
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This article was translated by an automatic translation system, and was therefore not reviewed by people.