Análise de tendência da sinistralidade e impacto na diminuição do número de operadoras de saúde suplementar no Brasil

Abstract

Alarming data on the part of health care providers on the increase of the claim rate and its potential risk has emerged. It is a descriptive study, with the objective of understanding the changes in the healthcare provider sector in recent years, using the temporal analysis of historical series related to the sector. The variables selected for this study were the claim rate, the coverage rate, and the number of private healthcare providers in activity, observed from 2003 to 2014. The method used for evaluation of the temporal trend was Linear Regression. The claim rate and the coverage rate show an upward trend in the period, while the number of operators in Brazil showed a decreasing trend during the same period. These results show that even with the increase in demand, there was a decrease in the number of operators active in the country. The claim rate is one of the possible causes observed this inverse relationship because the increased offers risks of survival and the opening of new operators. Moreover, the decrease in the number of providers, is leading the country to an oligopolistic industry with an increasing demand in the number of beneficiaries. This decrease is also associated with regulatory processes, which regulates the sector's relationship with the beneficiary.

The relationship between accounting information and the performance of supplementary health care providers

“…Regarding liquidity, the variable was commonly negative, showing that OPS are entities with negative working capital, which is a typical characteristic of companies that work with small margins, according to Fleuriet, Kehdy, and Blanc (2003). This result corroborates the study by Araújo and Silva (2018), who found that OPS have worked on average with low-profit margins, even in an environment where welfare costs grow above inflation.…”

O Sistema de Saúde brasileiro ante a tipologia internacional: uma discussão prospectiva e inevitável

“…O conjunto das Unimeds, cooperativas de médicos, por exemplo, é a maior seguradora individual do mercado brasileiros dos planos de saúde. Tal mercado vem-se concentrando cada vez mais em grandes instituições privadas 26 . Todavia, do ponto de vista do usuário hoje, todas as modalidades de planos ou seguro--saúde tendem a se equivaler.…”

Economias de escala na saúde suplementar brasileira

“…A presente pesquisa é relevante, pois como o setor de saúde suplementar é caraterizado por uma baixa lucratividade (Araújo & Silva, 2018), a reestruturação organizacional das atividades-meio das OPS pode ajudá-las a melhorar seus resultados, mitigando situações de insolvência e os riscos relacionados à continuidade operacional dos negócios, o que acaba beneficiando empregados, clientes, fornecedores e toda uma gama de prestadores de serviços.…”