As políticas públicas atreladas ao crescimento do mercado de seguros e planos de saúde no Brasil
Data
2023-01-10
Autores
José, Bruno Elias [UNIFESP]
Orientadores
Sampaio, Joelson Oliveira [UNIFESP]
Tipo
Trabalho de conclusão de curso de graduação
Título da Revista
ISSN da Revista
Título de Volume
Resumo
Nos dias atuais a saúde no Brasil é um dever do Estado e um direito de todos, porém esse
direito só foi conquistado após muita luta por parte da sociedade para alcançar um sistema
público de saúde universal e igualitário que foi definido apenas com a Constituição Federal de
1988, através do Sistema Único de Saúde (SUS). No entanto, por motivos como falta de
investimento para renovação e manutenção e até mesmo pelo tamanho da população, o
sistema público de saúde brasileiro é visto por muitos como precário. Nesse viés, o sistema de
saúde suplementar ganha força através da oferta de seguros e planos de saúde. Dessa forma,
essa pesquisa buscou entender ambos os sistemas e identificar se a situação atual do SUS
favorece o crescimento e maior obtenção de lucro do suplementar. Visto que o enfoque da
pesquisa é a saúde, a reflexão acerca de tal se faz relevante tanto por se tratar de um direito de
todos quanto por ser um princípio básico da dignidade da pessoa humana. Para tal, foram
feitas pesquisas no formato bibliográfico, baseadas principalmente em livros e artigos
científicos. Portanto, foi possível concluir que as políticas públicas de saúde e o SUS são
fundamentais, porém ainda enfrentam grandes dificuldades. Este cenário faz com que os
cidadãos com maior poder aquisitivo recorram a saúde suplementar, que mesmo com
oscilação no número de usuários mantém receita e lucro em constante crescimento e, portanto,
comprova a hipótese de que as operadoras desse sistema, por já saberem das dificuldades do
sistema público e já estarem bem consolidadas no mercado, abusam na precificação e buscam
uma obtenção de lucro de forma mais excessiva e exploratória.
Nowadays, health in Brazil is a duty of the State and a right for all, but this right was only conquered after much struggle on the part of society to achieve a universal and egalitarian public health system that was defined only with the Federal Constitution of 1988, through the Unified Health System (SUS). However, for reasons such as lack of investment in renovation and maintenance and even the size of the population, the Brazilian public health system is seen by many as precarious. In this bias, the supplementary health system gains strength through the provision of insurance and health plans. In this way, this research sought to understand both systems and identify whether the current situation of the SUS favors growth and greater profit from supplementary services. Since the focus of the research is health, the reflection about it becomes relevant both because it is a right of all and because it is a basic principle of the dignity of the human person. To this end, research was carried out in bibliographic format, based mainly on books and scientific articles. Therefore, it was possible to conclude that public health policies and the SUS are fundamental, but still face great difficulties. This scenario makes citizens with greater purchasing power resort to supplementary health, which even with oscillation in the number of users keeps revenue and profit in constant growth and, therefore, proves the hypothesis that the operators of this system, for already knowing the difficulties of the public system and already well established in the market, abuse pricing and seek to obtain profit in a more excessive and exploratory way.
Nowadays, health in Brazil is a duty of the State and a right for all, but this right was only conquered after much struggle on the part of society to achieve a universal and egalitarian public health system that was defined only with the Federal Constitution of 1988, through the Unified Health System (SUS). However, for reasons such as lack of investment in renovation and maintenance and even the size of the population, the Brazilian public health system is seen by many as precarious. In this bias, the supplementary health system gains strength through the provision of insurance and health plans. In this way, this research sought to understand both systems and identify whether the current situation of the SUS favors growth and greater profit from supplementary services. Since the focus of the research is health, the reflection about it becomes relevant both because it is a right of all and because it is a basic principle of the dignity of the human person. To this end, research was carried out in bibliographic format, based mainly on books and scientific articles. Therefore, it was possible to conclude that public health policies and the SUS are fundamental, but still face great difficulties. This scenario makes citizens with greater purchasing power resort to supplementary health, which even with oscillation in the number of users keeps revenue and profit in constant growth and, therefore, proves the hypothesis that the operators of this system, for already knowing the difficulties of the public system and already well established in the market, abuse pricing and seek to obtain profit in a more excessive and exploratory way.
Descrição
Citação
JOSÉ, Bruno Elias. As políticas públicas atreladas ao crescimento do mercado de seguros e planos de saúde 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.