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Health insurance for companies: how does it work and what are the benefits for employees?

Last April 7th was World Health Day, a date created by the World Health Organization (WHO) to encourage reflection on healthy habits and quality of life. In this context, the National Supplementary Health Agency (ANS) invited health plan operators to a joint action on the importance of these themes.


The participation of the operators is very important at a time of high demand for health plans. In September last year, Brazil reached 50.5 million active users, according to the ANS, the highest number in 8 years. In comparison with 2021, the growth was 1,590,912 beneficiaries.

Gaining more and more importance in post-pandemic life, the health insurance has become a benefit valued by workers in search of better working conditions. For companies, it can be a differential when it comes to attracting and retaining the best professionals.

How does the health insurance plan for companies work?

There are a few ways to contract a health plan for companies. The main ones are

– PME (Small and Medium Enterprises) – from 2 to 99 lives

– Enterprise – from 100 lives

The health insurance can be fully or partially funded by the company; in the latter case, the employee pays for part of it. This is the so-called contributory plan. There is also the coparticipation model, when the beneficiary pays a separate amount for the consultations and exams he or she undergoes, for example.

It is worth pointing out that, in most cases, the company is not obliged to offer this benefit. Likewise, the employee is not obliged to accept it, if he or she already has a private health insurance, for example, unless the plan contracted by the company is compulsory – i.e. mandatory for everyone who is on the FGTS.

In some cases, it is possible to include dependents, such as child(ren) and spouse.

What to know before hiring health insurance in your company?

To choose the ideal health insurance for companies, it is important to know the profile of the employees. The monthly fee can be impacted by several factors, such as pre-existing chronic diseases and age. There are ten age groups stipulated by the ANS, the first being from 0 to 18 years old and the last, 59 years old or older. It is also possible to calculate an average cost, which takes into account the number of beneficiaries and the associated risk.

There are several types of health insurance plans, each with specific benefits. For example, some offer ward or private room accommodation during hospitalization, while others allow care in a regional, national, and even international network.

Health insurance: benefits for the company and the employee

In a scenario of fierce competition among companies to find and retain the most talented professionals, offering the best benefits in the market can be a differential. Taking care of physical and mental health is one of the goals of a large part of the population, according to a V.Trends survey. Therefore, hiring a health insurance plan for your employees can be a sure bet.

To help you in this endeavor, count on Pryor Global.

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