Contract exchange

When the beneficiary of a contract prior to the 1st of January, 1999 signs up a new contract with the same insurer, ending up the previous contract at the same time, usually to obtain broader coverage.

Contract Adjustment

This means expanding the current contract, originally signed up betore the 1st of January, 1999, which will be then include all the rights provided by Act 9.656 of 1998. In this case, the monthly fees may rise by no more than 20.59%.


This consists of switching health plans, backed up by waiting periods previously complied with.



ANS - Agência Nacional de Saúde Suplementar - Av. Augusto Severo, 84 - Glória Rio de Janeiro/RJ - Brasil - CEP: 20021-040