2023 ANS resolution comes into force and is valid for all contracts signed since January 1, 1999
From this Saturday (1st.Fev.2025), health plans can only be canceled by default if the user accumulates at least two late, sequential benefits or not during the 12 -month period.
According to ANS (National Agency of Supplementary Health), the new rules are valid for all health insurance contracts signed after January 1, 1999. Read the full normative resolution.
Previously, the termination of the medical agreement could be made if the customer did not pay a single installment for more than 60 days.
Understand the changes
The normative It aims to optimize communication between health operators and patients and establish clear criteria for cancellation of contracts for non -payment.
Read below what changes:
- Cancellation can only be made with the absence of payment of at least two monthly fees, consecutive or not, in the last 12 months of the contract;
- Days of late monthly payments will not count as a period of default;
- Beneficiaries may contest the notification for default without losing the deadline for payment;
- Errors of operators that prevent customers from making payment will not count as a period of default.
Default communication
With the new rules, there are now 6 ways for operators to inform their customers about non -payment.
Here are the allowed communication channels:
- Letter, with acknowledgment of receipt;
- personally by representative of the operator;
- e-mail;
- SMS;
- WhatsApp;
- recorded telephone calls.
The normative sanctioned in 2023 had a period of adaptation so that companies could fit before the validity.
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