Clipping of news on Brazilian Culture, Law and Citizenship
This article was translated by an automatic translation system, and was therefore not reviewed by people.
'Portability' worth for individual plans made in 1999.
About 6 million are beneficiaries of individual plans in Brazil.
The National Health Agency (ANS) will move in the regulations of health plans. A resolution to be published this Thursday (15) in the "Official Gazette of the Union" will create the so-called portability of plans, as of April - three months after the publication - you can change the company and transfer the grace already accomplished in the previous plan.
Many of the beneficiaries of plans are unhappy. For example, Mrs. Lucy, who does not conform with the increase of 120% in the month. But even unhappy, she does not want to risk an exchange. "I am afraid to have grace, and then need not be answered," she says.
The portability does not apply to everyone, but only for those who have individual health plan and the contract signed after 1999. Are 6 million Brazilians. But to change the plan without having to meet new grace period, the consumer will have to obey certain rules.
It must be the payment on the day and be customer agreement physician for at least two years. For those who have pre-existing diseases, the first exchange can only be made after three years in business.
The deadline is questioned by the Brazilian Institute for Consumer Protection, Idec. The NSA says that "our intention is that people do not comply with an operator and a grace period immediately following a move to because it actually creates an imbalance in the economic sector," says Fausto Pereira dos Santos, president of the agency.
Grace
The other periods of deprivation remain the same. What ends is the need to meet the shortfall more than once every exchange plan.
In pregnancy, 300 days, consultations, examinations, hospitalizations, surgeries and procedures of high complexity, 180. To pre-existing diseases, two years, and for emergencies and emergencies, 24 hours.
Payment must be in day, and the consumer must be customer of at least two years. In the case of pre-existing disease is the term of three years.
The exchange can only be made for similar plans that have the same coverage. The NSA will establish five tracks the price and the consumer will only be able to switch to a plan with a price range or less its present. Every two years, the consumer may change the plan during two months of the year - between the first working day of the anniversary of the contract and 60 days thereafter.
Plans collective
But for Idec, the collective plans - such as employees of companies - should be included. "The ruling Idec think because most of the market for health plans is composed of collective plans," says Juliana Pereira, lawyer of the organization.
Fausto, the NSA, replied that "the collective plans today, as a rule, from 50 recipients they are free of need and only those below 50 is that beneficiaries do not have that foresight. Either way this is an initial rule. "
The NSA wants the new rules to increase competition and quality in health care. It is expected that the Santos family, which has only admitted the child after fighting with the plan in court. "Maybe they have more concern to meet people and meet the rules for what other people do not go by that we passed," she says Kelly Santos.
Fine
According to the agency, any type of discrimination by age or illness, will be prohibited. The operator that breaks the rules or commit new discrimination is punishable by a fine of $ 30 thousand to R $ 50 thousand.
Source: G1
Our stories are taken in full of the sites of our partners. Therefore, we can not change the contents of these cases even of typing errors.
This article was translated by an automatic translation system, and was therefore not reviewed by people.