Um dos diferenciais de uma empresa é seu grau de preocupação com o bem-estar e a saúde de seus funcionários. Nesse sentido, optar por um plano de saúde empresarial é uma forma de garantir que o absenteísmo entre os funcionários seja cada vez menor. Isso acontece porque, em muitos casos, o bom desempenho dos colaboradores está ligado à sua saúde.
Quer contratar um plano de saúde empresarial para seus funcionários? Continue acompanhando o texto abaixo e entenda mais sobre o assunto.
Quais são os benefícios de optar por um plano?
Além dos benefícios oferecidos ao colaborador, a empresa também se prevalece de algumas vantagens. Entre elas estão o aumento da produtividade, a maior segurança dos funcionários e o abatimento de impostos.
Neste último caso, o governo oferece determinados incentivos fiscais como, conforme a legislação vigente, a redução ou até mesmo a eliminação de ônus tributários.
Como escolher o plano de saúde empresarial ideal?
O convênio médico deve ser um alento para empresa e não uma dor de cabeça. Por isso, escolher tanto a operadora quanto o plano de saúde empresarial ideais pode evitar problemas futuros.
Observe a idoneidade da operadora no mercado, bem como a cobertura dos planos oferecidos. Muitas vezes, os valores mais baixos se referem a serviços mais básicos que podem ou não atender aos interesses da sua empresa. Por isso, esteja atento às especialidades inclusas e aos hospitais credenciados. Outro ponto interessante é analisar a porcentagem de reajustes anuais e a incidência de descumprimento de contrato.
A existência de coparticipação deve estar clara. Isso se deve ao fato de que, nestes casos, o colaborador beneficiado precisará pagar uma parte de consultas e exames realizados. São aplicados percentuais que variam de 20 a 50%. Observe atentamente as formas de contratação. Estas, assim como a cobertura do serviço e a adesão de dependentes, podem variar diante de acordos fechados com pessoa jurídica. Da mesma forma, observe se a carência do plano de saúde empresarial está de acordo com o estipulado pela ANS:
- Casos de urgência ou emergência – 24 horas;
- Partos, exceto prematuros ou decorrentes de complicações – 300 dias;
- Demais ocorrências – 180 dias.
Estes prazos correspondem a limites máximos de tempo, podendo a operadora exigir um tempo de carência menor.
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