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Mais segurança e menos custos com uso adequado do plano de saúde

Bradesco Saúde lança campanha educativa para incentivar o uso consciente do plano de saúde

A Bradesco Saúde, líder do mercado de saúde suplementar brasileiro, desenvolveu uma campanha educativa para incentivar seus beneficiários a utilizar o plano de saúde de forma adequada. O objetivo  é evitar comportamentos indevidos, como: divisão de recibos para reembolso e empréstimo de carteirinha. A médio e longo prazos, essas irregularidades impactam no valor das mensalidades dos planos, o que, por fim, prejudica o próprio consumidor.

Para essa ação, foi elaborada uma série de comunicados, como: e-mail marketing e vídeos educativos, para beneficiários, corretores e funcionários da seguradora. Nos informativos, a mensagem ressalta a importância do uso consciente do plano para a própria segurança. “Saber usar o plano de saúde de forma adequada traz mais segurança para você. Afinal, quando todo mundo utiliza de forma consciente, evitam-se desperdícios e gastos desnecessários”, descreve o texto.

O comunicado ressalta ainda que o reembolso é pago exclusivamente ao segurado, e não ao prestador de serviço e que a divisão de recibos é uma prática ilegal. “Essas ações de comunicação são uma forma de conscientizar não só o segurado, mas empresas e corretores, que interagem com a Bradesco Saúde, a respeito das boas práticas, evitando desperdícios e alertando sobre eventuais tipos de fraudes, por exemplo”, explica Sylvio Vilardi, Diretor de Operações da Bradesco Saúde.

Segundo estudo do IESS (Instituto de Estudos de Saúde Suplementar), a má utilização gera um desperdício equivalente a 15% das despesas com saúde suplementar e eleva em cerca de um terço o custo dos procedimentos médicos para os pacientes. São exemplos típicos de fraudes: fornecer informações falsas na declaração pessoal de saúde ou na proposta de seguro; emprestar a carteirinha do plano ou seguro saúde para utilização de terceiros; realizar um procedimento e aceitar o fracionamento do valor em vários recibos para simular mais de uma ocorrência, a fim de obter reembolso integral; alterar ou inflar o valor de um procedimento; e declarar ou apresentar recibos de consultas, exames ou procedimentos que não ocorreram.

Nesse início de ano, a campanha continuará com novos informativos voltados para o esclarecimento de dúvidas comuns dos beneficiários, como: cálculo prévio de reembolso, reajuste de plano, procedimentos cobertos e rede referenciada.

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