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Planos de saúde são, definitivamente, um dos melhores investimentos para quem se preocupa com o seu bem-estar e o de sua família. Principalmente no momento atual em que estamos passando por uma pandemia inédita na História. Mas como escolher o plano de saúde perfeito, para cuidar da sua família com uma opção certa para as suas necessidades?

No post de hoje, os especialistas em Planos de Saúde da Superqualidade vão explicar as características do plano de saúde individual e plano de saúde coletivo, apresentando as vantagens de cada um e te auxiliando a fazer uma boa escolha para que você e sua família estejam completamente seguros com um Plano de Saúde ideal =).

Nos planos de saúde individuais, o contratante busca e firma contrato de prestação de serviços junto à operadora de acordo com a cobertura desejada, podendo ou não incluir seus dependentes.
Como sugere o próprio nome, fica o contratante responsável (junto à Superqualidade, se for o caso) pela eleição e controle de todas as condições do plano, não estando sujeito a nenhuma responsável intermediário como associações, empresas, sindicatos ou administradoras.

Já nos planos de saúde coletivos, por sua vez, correspondem àqueles mediados por alguma administradora de benefícios.

Aqui, os contratos são firmados unilateralmente entre as operadoras e uma companhia gestora do plano que fica responsável por definir detalhes como coberturas e vantagens a serem oferecidas.
Dessa forma, o interessado que deve pertencer a uma associação de classe, empresa, sindicato ou grupo similar não procura diretamente a operadora do plano e não pode escolher as condições do contrato, já que esse é oferecido a ele da forma em que se encontra, sem espaço para negociações ou concessões.

Plano individual x plano coletivo: vantagens e desvantagens

Enquanto planos de saúde individuais permitem que o contratante opte por todos os seus termos e amplitude de cobertura e demais benefícios, os planos coletivos apresentam estruturas pré-determinadas, uma vez que são de adesão.

Entretanto, por contar com diversos participantes, os planos coletivos geralmente oferecem preços mais vantajosos para os contratantes quando comparados aos planos individuais semelhantes, ainda que a ANS não regule seus reajustes tal como ocorre neste último.

Além disso, a permanência em planos contratados individualmente é por tempo indefinido, já que o contratante pode optar ou não pela renovação de seus termos. Por outro lado, em contratos coletivos, há a possibilidade de rescisão unilateral e restrições no caso de abandono do emprego, associação ou da classe profissional.

Entendeu as diferenças na contratação do plano de saúde individual e plano de saúde coletivo e quer escolher o ideal pra você? Entre em contato conosco e garanta a assessoria de corretores de qualidade na busca pelas melhores condições para a sua família e seus negócios!

 

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