What are collective contracts and corporate membership?
The business contracts are made only by legal entities (companies, associations, unions, foundations and similar institutions). In both, the participation of beneficiaries in contracts can occur automatically or by membership. The National Health Agency (ANS) does not interfere with price adjustment and cancellation of collective agreements, which allows the unilateral termination of the contract. Generally, the health plan begins at the time of admission of the employee at work, with an option to include or not the dependents.
The collective
agreement for membership is optional for those who maintain ties to unions
associations, foundations and similar institutions, and also enables the
inclusion of dependents, age limit stipulated by the entity class. The contract
is signed with the entity class, and not the operator of health plans.
Depending on the number of participants, operators offer major advantages, such
as exemption of necessities, including dependents over 65, among others.
The adjustment of
fees for membership in the collective (CPA) is determined by the administrator,
according to an analysis of user acceptance and age limit. Since the
readjustment of plans for individual (PPF) is determined by the NSA (National
Health Agency), direct carrier, no age limit and mandatory acceptance.
X Health Insurance Health Plan
The big difference
between Insurance and Health Plan is the reimbursement of medical and hospital
expenses. While the Health Insurance allows the free choice of doctors and
hospitals, for a refund, the Health Plan does not grant this benefit. In both
cases, you can choose between family and individual contracts or collective agreements
for membership, and have different health care services, with greater or lesser
extent, according to the contract terms. Lately, however, some specialty health
stopped selling individual contracts. In the case of individual contracts or
family, relatives or dependents may be included, with free choice of plan. The
contractor should outline a scope of their possible needs before setting the
contract, drawing a usage profile according covers medical and hospital
essentials like obstetrics, covering local, state or international.
