Clipping of news on Brazilian Culture, Law and Citizenship
 


Consumer News

Lawyer detailing rules for portability of health plans

This article was translated by an automatic translation system, and was therefore not reviewed by people.


 


Daniela Trettel, the Office of Consumer Protection, talks about the changes.

The National Health Agency (NSA) said that the new rules do not bring restrictions on sex, age and pre-existing diseases. The bodies of consumer protection participated in the discussions. Therefore, the Good Day interview the attorney of the Office of Consumer Protection (Idec), Daniela Trettel.

Bom Dia Brasil - Many people will not be benefited by the changes. How is that?

Daniela Trettel - These rules apply only to those who have signed contract from January 1999 and contract, which closes the consumer directly with the operator of health plan. Who are outside of a contract prior to 1999 and who has collective agreement, mediated by employer, by an association, a trade union. That means over 85% of the contracts.

In the case of pre-existing diseases, as is the case for those who have met all the needs? How to ensure?

The rules that the NSA asked to put the grace, who has pre-existing disease and either put it in the contract, the contract must be for at least three years. After that, it takes the grace to any plan if it is for individual to individual.

Who was the old and updated with the company can move immediately or have to go through a waiting period?

Who has adapted and former contract follows the same rule. It is important to know that the NSA has that can migrate to a similar contract. Unfortunately, the agency has not defined what would be an equivalent contract. It is likely that next week, when the rules come into force, the agency no longer clear how to know which is the equivalent of contract.

A person, for example, has over 65 years and has just come into a health plan. Failed or two years but did not like. It may change, without paying anything more?

There is no restriction with respect to age. The problem is that porting to the shortage, if pre-existing disease, he must have fulfilled all the grace period, ie at least two years in the contract. In this case, the elders could not change the plan. Please note that, unless you already are more than two years in the contract, closed after 1999, has one more rule: you can only change to contract and equivalent in a specific period: the period that coincides with the anniversary month of the contract.

Many people complain that sometimes operators sacam pocket of unknown rules. How to know what is abusive?

With regard to portability, the rules are that I have mentioned. Any other requirements must be questioned. Consumers should look for the NSA or a body of consumer protection, such as Idec and Procon, to know their rights.

 



Source: Bom Dia Brasil

This article was translated by an automatic translation system, and was therefore not reviewed by people.

Important:
The JurisWay site does not interfere in the work provided by doctrine, why only reflect the opinions, ideas and concepts of their authors.


  Subjects list
 
  Copyright (c) 2006-2009. JurisWay - All rights reserved.