Post by account_disabled on Jan 31, 2024 7:18:18 GMT -4
The current economic crisis in our country has resulted in thousands of Brazilians dropping out of their health plans. According to the Institute of Supplementary Health Studies (Iess), in 2016, more than 1.37 million people stopped benefiting from private health care, as they did not maintain their financial capacity to cover the costs of agreed monthly fees. There was then a real increase in consumer defaults in relation to monthly health plan payments. The companies that sell and maintain them are subject to the rules of Law 9,656/98, which expressly provides for the possibility of contract termination — with special rules for individual/family contracts.
In these contracts, there are specific Buy Phone Number List situations in which the contract holder is authorized to terminate the contract, and these will be addressed. In relation to default, according to the sole paragraph, item II, of article 13 of Law 9,656/98, the following requirements for its termination are determined: “… non-payment of the monthly fee for a period exceeding sixty days, consecutive or not, in the last twelve months of contract validity, as long as the consumer is demonstrably notified by the fiftieth day of default”.
Because they are considered “service providers”, health plan operators and insurers are subject, in addition to the dictates of Law 9,656/98, to the rules of the Consumer Protection Code, especially with regard to the duty of information (article 6, III), which must be made clearly and precisely to consumers before contract termination takes place. Likewise, Summary 28 of the National Supplementary Health Agency establishes some minimum criteria that health plan operators must observe in order to carry out the notification in a way that can be understood by the consumer without giving rise to other interpretations, certainly in respect of the duty of information provided for in Law 9,656/98 and the CDC.
In these contracts, there are specific Buy Phone Number List situations in which the contract holder is authorized to terminate the contract, and these will be addressed. In relation to default, according to the sole paragraph, item II, of article 13 of Law 9,656/98, the following requirements for its termination are determined: “… non-payment of the monthly fee for a period exceeding sixty days, consecutive or not, in the last twelve months of contract validity, as long as the consumer is demonstrably notified by the fiftieth day of default”.
Because they are considered “service providers”, health plan operators and insurers are subject, in addition to the dictates of Law 9,656/98, to the rules of the Consumer Protection Code, especially with regard to the duty of information (article 6, III), which must be made clearly and precisely to consumers before contract termination takes place. Likewise, Summary 28 of the National Supplementary Health Agency establishes some minimum criteria that health plan operators must observe in order to carry out the notification in a way that can be understood by the consumer without giving rise to other interpretations, certainly in respect of the duty of information provided for in Law 9,656/98 and the CDC.