Review of monthly fees and premiums (false collective plans)

Did the premium of your group health insurance plan increase more than expected?

Group plans (employer-sponsored or affiliation-based) with few beneficiaries — often a single family or a small business — are commonly referred to in Brazil as "false collective" plans. Unlike individual plans, whose annual increases are capped by the National Supplementary Health Agency (ANS), group plans are adjusted through negotiation between the insurer and the contracting entity, which can result in steep increases without a clear demonstration of the criteria applied.

Moreira e Bastos Advogados reviews the contract, the history of adjustments and the justification presented by the insurer, to verify whether the percentages applied to monthly fees or premiums comply with the law, ANS regulations and the case law of Brazilian courts, and advises on the legally appropriate measures, including a review of the amount charged.

Do you have questions about the increase in your health insurance plan? Request an individualized legal review.