Análise do impacto da pandemia da Covid-19 na sinistralidade das operadoras de saúde suplementar no Brasil
Data
2023-01-16
Autores
Pacheco, Michael Kenji Mukai Ortiz 
Orientadores
Ikeda, Ricardo Hirata
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
Este trabalho foi conduzido a partir de premissas de que o Brasil foi afetado diretamente pela pandemia da COVID-19 em diversos setores econômicos. Uma preocupação acentuada está no setor de Saúde, que no Brasil pode ser acessada por vias públicas ou por meios privados com os planos de saúde. Foram explorados temas relevantes no contexto das operações das companhias do setor de saúde suplementar, como a sinistralidade, risco moral, regulação da Agência Nacional de Saúde Suplementar, variação dos custos médico-hospitalares, e atendimentos durante o período de pandemia. A partir dos dados divulgados pelo Ministério da Saúde e do órgão regulador competente do ramo, a ANS, foram estudados o índice de sinistralidade, o comportamento de volume de beneficiários, e a quantidade de operadoras em atividade no mercado. Por fim chegou-se ao resultado de que as companhias do setor tiveram uma redução significativa da sinistralidade média trimestral nos anos de 2020 e 2021, primeiros dois anos de pandemia enfrentados pela população brasileira.
This work was conducted based on the assumptions that Brazil was directly affected by the COVID-19 pandemic in several economic sectors. A major concern is in the health sector, which in Brazil can be accessed by public roads or by private means with health plans. Relevant topics were explored in the context of the operations of companies in the supplementary health sector, such as accidents, moral hazard, regulation by the National Supplementary Health Agency, variation in medical and hospital costs, and consultations during the pandemic period. Based on data released by the Ministry of Health and the competent regulatory body for the sector, the ANS, the loss ratio, the behavior of the volume of beneficiaries, and the number of operators active in the market were studied. Finally, the result was that companies in the sector had a significant reduction in the average quarterly loss ratio in the years 2020 and 2021, the first two years of the pandemic faced by the Brazilian population.
This work was conducted based on the assumptions that Brazil was directly affected by the COVID-19 pandemic in several economic sectors. A major concern is in the health sector, which in Brazil can be accessed by public roads or by private means with health plans. Relevant topics were explored in the context of the operations of companies in the supplementary health sector, such as accidents, moral hazard, regulation by the National Supplementary Health Agency, variation in medical and hospital costs, and consultations during the pandemic period. Based on data released by the Ministry of Health and the competent regulatory body for the sector, the ANS, the loss ratio, the behavior of the volume of beneficiaries, and the number of operators active in the market were studied. Finally, the result was that companies in the sector had a significant reduction in the average quarterly loss ratio in the years 2020 and 2021, the first two years of the pandemic faced by the Brazilian population.
Descrição
Citação
PACHECO, Michael Kenji Mukai Ortiz. Análise do impacto da pandemia da Covid-19 na sinistralidade das operadoras de saúde suplementar no Brasil. 2022. Trabalho de Conclusão de Curso (Bacharelado em Ciências Atuariais) - Universidade Federal de São Paulo, Escola Paulista de Política, Economia e Negócios, Osasco, 2022.