Plano de Saúde
Autor: José Carlos Soares | Publicado: 2012-12-26T09:59:00-02:00


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<![endif]-->Saiba como agir
quando seu plano de saúde faz um reajuste indevidamente por mudança de faixa
etária, isso é ilegal e você tem como impedí-lo.
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Por:
Dra. Adriana Leal Brigagão



O
Estatuto do Idoso, Lei 10741/03, em seu artigo 15, parágrafo 3, proíbe
expressamente o reajuste da mensalidade do segurado por mudança de faixa&nbsp;etária, veja:


Artigo 15, § 3 - É vedada a discriminação do idoso nos planos de saúde pela
cobrança de valores diferenciados em razão da idade.&nbsp;


Porém as seguradoras ignoram a lei e cometem essa prática abusiva diariamente,
eu mesma, estou com algumas ações em andamento sobre o tema, mas infelizmente
ainda são poucas as pessoas que lutam pelos seus direitos, por isso, compensa
para as seguradoras de saúde continuarem a infringir a lei.


O entendimento é unânime nesse sentido, por existir lei específica que
regulamenta o assunto, já tendo chegado ao STJ.&nbsp;


As seguradoras alegam em sua defesa que só aplicam a regra aos contratos
celebrados antes da vigência da lei, ou seja, antes de janeiro/04, mas tal
argumento não procede, ainda assim, mesmo aos que celebraram o contrato antes
de sua vigência tem o seu direito garantido, se mudarem de faixa etária após
janeiro/04, por ter a lei efeito imediato.&nbsp;


Além do Estatuto do Idoso, também se aplica o Código de Defesa do Consumidor
por se tratar de relação de consumo.


Nesse caso cabe entrar com ação pedindo a devolução em dobro do total pago a
maior pelo idoso, cabe pedir a revisão contratual para que o valor da
mensalidade seja cobrado de forma correta de acordo com os índices estipulados
pela ANS, e ainda cabe pedir indenização por dano moral.


Portanto, você é quem decide se quer continuar pagando mais indevidamente ou se
quer ver seu direito sendo aplicado e pagar a quantia justa e devida.


Fonte: http://www.meuadvogado.com.br