The National Regulatory Agency for Private Health Insurance and Plans (ANS) is the Agency established by the Brazilian Government under the Ministry of Health that operates nationwide to regulate, standardize, control and inspect the private health insurance and plans sector in Brazil. It was established by Act 9,961 in 2000, which defines its spheres of competence.
The regulatory framework for this sector consists of this law and Act 9,656 issued in 1998, which rules on the regulations controlling private health and insurance plans.
The ANS is a semi-autonomous government agency under a special regimen, characterized by administrative and financial autonomy, with its own assets and human resources management system, taking independent technical decision and with directors appointed for fixed terms of office. Its institutional purpose is to protect the public interest in terms of supplementary health insurance, regulating insurers in this sector - including their relationships with providers and consumers - and contributing to the development of health related actions in Brazil. Headquartered in Rio de Janeiro State, it currently has twelve Regional Centers in Bahia, Ceará, Federal District, Mato Grosso, Minas Gerais, Pará, Paraná Pernambuco, Rio de Janeiro, Rio Grande do Sul and São Paulo States.
What is Regulation?
In a simplified manner, regulation may be viewed as a set of government measures and actions that involve the establishment of standards, with control and oversight of market segments where companies operate, in order to protect the public interest.
To protect the public interest in the supplementary healthcare sector, regulating private health insurers in this sector – including their relationships with service-providers and consumers - in addition to fostering the development of health-related actions in Brazil.
To contribute to the construction of a supplementary healthcare sector whose main interest is the production of heath and that:
- is centered on the citizen;
- conducts actions that promote health and prevent diseases;
- complies with the principles of quality, comprehensiveness and solutions;
- includes all healthcare practitioners;
- respects the participation of society; and
- is closely linked to the Ministry of Health.
The institutional values of the ANS are: transparency of its acts which are impartial and ethical; knowledge as the source of its actions; a spirit of cooperation; and commitment to results.