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Plano de Saúde é utilizado por 88% dos beneficiários, aponta IESS

Pesquisa realizada pelo Ibope indica que planos são contratados para serem usados, diferente de outros tipos de seguros

Em média, 88% dos beneficiários de planos médico-hospitalares utilizam serviços de saúde todo ano. O dado consta em pesquisa realizada pelo Ibope Inteligência a pedido do Instituto de Estudos de Saúde Suplementar (IESS) e revela que o desejo de ter um plano de saúde, o 3° maior do brasileiro segundo a mesma pesquisa, é justificado também pelo uso dos serviços de assistência médica.

A pesquisa indica que 86% dos beneficiários destes planos de saúde passaram por ao menos uma consulta nos últimos 12 meses; 78% realizaram exames diagnósticos; e, 17% foram internados. “O resultado indica claramente que o brasileiro adquire um plano de saúde na quase certeza de que terá necessidade de utilizá-lo assim que tiver cumprido as carências”, avalia José Cechin, superintendente executivo do IESS. “Isso vale tanto para os novos adquirentes quanto para todos os que já têm plano ou seguro de saúde, pois 88% de todos eles percebem a necessidade de utilizá-lo a cada ano”, completa.

O comportamento é bastante diferente daquele encontrado em outros segmentos de seguro. Por exemplo, o total de solicitações para cobertura de sinistros automobilísticos está ao redor de 29% de toda a carteira segurada, de acordo com a Superintendência de Seguros Privados (Susep), autarquia vinculada ao Ministério da Economia que é responsável pelo controle e fiscalização dos mercados de seguro, previdência privada aberta, capitalização e resseguro. Ou seja, de cada 100 veículos segurados, 29 buscam atendimento de algum sinistro junto ao segurador.

Cechin reforça que a diferença é positiva. “Enquanto ninguém quer usar o seguro do automóvel, porque isso significa que a pessoa se envolveu em um acidente, a maioria dos beneficiários recorre à serviços de assistência à saúde, inclusive procedimentos preventivos, a cada ano”, comenta. “Isso significa que os beneficiários estão se cuidando mais e terão mais qualidade de vida no futuro”, prevê.

O levantamento do Ibope revela, ainda, que ter segurança e respaldo com relação à saúde é o principal motivo para ter um plano de acordo com 48% dos beneficiários. Já 34% dos entrevistados apontam a qualidade do atendimento como o principal motivo para a posse de um plano.

O IBOPE Inteligência ouviu 3,2 mil pessoas (1,6 mil beneficiários e 1,6 mil não beneficiários) em oito regiões metropolitanas do País (São Paulo, Rio de Janeiro, Belo Horizonte, Salvador, Recife, Porto Alegre, Brasília e Manaus) entre abril e maio de 2019. A margem de erro da pesquisa é de 2 pontos porcentuais (p.p.) para mais ou para menos e o nível de confiança é de 95%.

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