{"id":7483,"date":"2026-09-23T10:10:00","date_gmt":"2026-09-23T10:10:00","guid":{"rendered":"https:\/\/www.companyhero.com\/blog\/?p=7483"},"modified":"2026-09-21T19:07:47","modified_gmt":"2026-09-21T19:07:47","slug":"carencia-no-plano-de-saude-prazos-maximos-por-procedimento","status":"publish","type":"post","link":"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento","title":{"rendered":"Car\u00eancia no Plano de Sa\u00fade: Prazos M\u00e1ximos por Procedimento"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Resumo r\u00e1pido:<\/strong> Car\u00eancia no plano de sa\u00fade \u00e9 o tempo que voc\u00ea precisa esperar, depois de contratar, para usar determinada cobertura, definido pela <a href=\"https:\/\/www.companyhero.com\/blog\/o-que-e-ans\">ANS<\/a>. Os prazos m\u00e1ximos variam por procedimento: 24 horas para urg\u00eancia e emerg\u00eancia, at\u00e9 30 dias para consultas e exames simples, at\u00e9 180 dias para interna\u00e7\u00f5es e cirurgias, e 300 dias para parto. A car\u00eancia no plano de sa\u00fade pode ser reduzida ou eliminada via portabilidade ou em planos coletivos grandes. Neste guia, voc\u00ea v\u00ea a tabela completa de prazos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Principais pontos:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A car\u00eancia m\u00e1xima para urg\u00eancia e emerg\u00eancia \u00e9 de 24 horas, por determina\u00e7\u00e3o da ANS.<\/li>\n\n\n\n<li>A car\u00eancia m\u00e1xima para parto \u00e9 de 300 dias, a partir da 38\u00aa semana de gesta\u00e7\u00e3o.<\/li>\n\n\n\n<li>Doen\u00e7as preexistentes podem ter Cobertura Parcial Tempor\u00e1ria de at\u00e9 24 meses.<\/li>\n\n\n\n<li>A operadora pode praticar prazos menores que o m\u00e1ximo da ANS, mas nunca maiores.<\/li>\n<\/ul>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_78 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">T\u00f3picos:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Alternar tabela de conte\u00fado\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#O_que_e_carencia_no_plano_de_saude\" >O que \u00e9 car\u00eancia no plano de sa\u00fade<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Tabela_de_prazos_maximos_de_carencia_no_plano_de_saude\" >Tabela de prazos m\u00e1ximos de car\u00eancia no plano de sa\u00fade<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Como_funciona_cada_tipo_de_carencia\" >Como funciona cada tipo de car\u00eancia<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Urgencia_e_emergencia_24_horas\" >Urg\u00eancia e emerg\u00eancia: 24 horas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Consultas_e_exames_ate_30_dias\" >Consultas e exames: at\u00e9 30 dias<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Internacoes_e_cirurgias_ate_180_dias\" >Interna\u00e7\u00f5es e cirurgias: at\u00e9 180 dias<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Parto_300_dias\" >Parto: 300 dias<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Doencas_preexistentes_ate_24_meses\" >Doen\u00e7as preexistentes: at\u00e9 24 meses<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Como_reduzir_a_carencia_no_plano_de_saude\" >Como reduzir a car\u00eancia no plano de sa\u00fade<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Perguntas_frequentes_sobre_carencia_no_plano_de_saude\" >Perguntas frequentes sobre car\u00eancia no plano de sa\u00fade<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Existe_plano_de_saude_sem_nenhuma_carencia\" >Existe plano de sa\u00fade sem nenhuma car\u00eancia?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#A_carencia_recomeca_se_eu_trocar_de_plano\" >A car\u00eancia recome\u00e7a se eu trocar de plano?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#MEI_e_PJ_tem_carencia_diferente\" >MEI e PJ t\u00eam car\u00eancia diferente?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.companyhero.com\/blog\/carencia-no-plano-de-saude-prazos-maximos-por-procedimento\/#Simule_seu_plano_com_a_Hero\" >Simule seu plano com a Hero<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"O_que_e_carencia_no_plano_de_saude\"><\/span>O que \u00e9 car\u00eancia no plano de sa\u00fade<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Car\u00eancia \u00e9 o per\u00edodo entre a contrata\u00e7\u00e3o do plano e o momento em que voc\u00ea pode usar uma cobertura espec\u00edfica. Existe para evitar que algu\u00e9m contrate o plano s\u00f3 quando j\u00e1 precisa de um procedimento caro.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tabela_de_prazos_maximos_de_carencia_no_plano_de_saude\"><\/span>Tabela de prazos m\u00e1ximos de car\u00eancia no plano de sa\u00fade<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A ANS define os limites m\u00e1ximos. A operadora pode praticar prazos menores, mas nunca maiores que estes:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tipo de procedimento<\/th><th>Car\u00eancia m\u00e1xima<\/th><\/tr><\/thead><tbody><tr><td>Urg\u00eancia e emerg\u00eancia<\/td><td>24 horas<\/td><\/tr><tr><td>Consultas e exames simples<\/td><td>At\u00e9 30 dias<\/td><\/tr><tr><td>Interna\u00e7\u00f5es e cirurgias<\/td><td>At\u00e9 180 dias<\/td><\/tr><tr><td>Parto (a partir da 38\u00aa semana)<\/td><td>300 dias<\/td><\/tr><tr><td>Doen\u00e7as e les\u00f5es preexistentes<\/td><td>At\u00e9 24 meses (cobertura parcial tempor\u00e1ria)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_funciona_cada_tipo_de_carencia\"><\/span>Como funciona cada tipo de car\u00eancia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Urgencia_e_emergencia_24_horas\"><\/span>Urg\u00eancia e emerg\u00eancia: 24 horas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 o menor prazo poss\u00edvel. Depois de 1 dia de contrato ativo, voc\u00ea j\u00e1 tem direito a atendimento de urg\u00eancia e emerg\u00eancia, embora a cobertura completa dentro desse atendimento possa variar conforme a segmenta\u00e7\u00e3o do plano.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consultas_e_exames_ate_30_dias\"><\/span>Consultas e exames: at\u00e9 30 dias<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Procedimentos simples, como consulta de rotina e exames b\u00e1sicos, t\u00eam car\u00eancia curta: no m\u00e1ximo um m\u00eas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Internacoes_e_cirurgias_ate_180_dias\"><\/span>Interna\u00e7\u00f5es e cirurgias: at\u00e9 180 dias<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Procedimentos de maior complexidade t\u00eam car\u00eancia mais longa, porque envolvem custo maior para a operadora.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Parto_300_dias\"><\/span>Parto: 300 dias<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9 a car\u00eancia mais longa entre os procedimentos comuns. Vale planejar com anteced\u00eancia se a gravidez estiver nos planos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Doencas_preexistentes_ate_24_meses\"><\/span>Doen\u00e7as preexistentes: at\u00e9 24 meses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Se voc\u00ea j\u00e1 tem uma condi\u00e7\u00e3o de sa\u00fade diagnosticada antes de contratar o plano, pode haver Cobertura Parcial Tempor\u00e1ria (CPT) de at\u00e9 24 meses para procedimentos de alta complexidade ligados a essa condi\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Como_reduzir_a_carencia_no_plano_de_saude\"><\/span>Como reduzir a car\u00eancia no plano de sa\u00fade<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<figure class=\"wp-block-post-featured-image\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/i0.wp.com\/www.companyhero.com\/blog\/wp-content\/uploads\/2026\/09\/carencia-plano-de-saude.png?resize=800%2C450&#038;ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"carencia-plano-de-saude\" style=\"object-fit:cover;\" srcset=\"https:\/\/i0.wp.com\/www.companyhero.com\/blog\/wp-content\/uploads\/2026\/09\/carencia-plano-de-saude.png?w=1672&amp;ssl=1 1672w, https:\/\/i0.wp.com\/www.companyhero.com\/blog\/wp-content\/uploads\/2026\/09\/carencia-plano-de-saude.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.companyhero.com\/blog\/wp-content\/uploads\/2026\/09\/carencia-plano-de-saude.png?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.companyhero.com\/blog\/wp-content\/uploads\/2026\/09\/carencia-plano-de-saude.png?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.companyhero.com\/blog\/wp-content\/uploads\/2026\/09\/carencia-plano-de-saude.png?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/www.companyhero.com\/blog\/wp-content\/uploads\/2026\/09\/carencia-plano-de-saude.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Portabilidade de car\u00eancias:<\/strong> se voc\u00ea j\u00e1 cumpriu car\u00eancia em um plano anterior, pode migrar para outro sem cumprir os prazos de novo, desde que atenda aos requisitos da ANS.<\/li>\n\n\n\n<li><strong>Planos coletivos empresariais grandes:<\/strong> em alguns casos, grupos com mais de 30 vidas podem ter car\u00eancia reduzida ou isenta.<\/li>\n\n\n\n<li><strong>Negocia\u00e7\u00e3o na contrata\u00e7\u00e3o:<\/strong> administradoras de benef\u00edcios \u00e0s vezes conseguem condi\u00e7\u00f5es de car\u00eancia menores em planos coletivos por ades\u00e3o.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Perguntas_frequentes_sobre_carencia_no_plano_de_saude\"><\/span>Perguntas frequentes sobre car\u00eancia no plano de sa\u00fade<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1790003531839\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Existe_plano_de_saude_sem_nenhuma_carencia\"><\/span><strong>Existe plano de sa\u00fade sem nenhuma car\u00eancia?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Para urg\u00eancia e emerg\u00eancia, sim. O prazo m\u00e1ximo j\u00e1 \u00e9 de 24 horas. Para os demais procedimentos, algum prazo costuma existir, salvo em casos de portabilidade ou grupos grandes.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790003539827\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"A_carencia_recomeca_se_eu_trocar_de_plano\"><\/span><strong>A car\u00eancia recome\u00e7a se eu trocar de plano?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>N\u00e3o necessariamente. Se voc\u00ea usar a portabilidade de car\u00eancias, os prazos j\u00e1 cumpridos no plano anterior s\u00e3o aproveitados.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790003548591\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"MEI_e_PJ_tem_carencia_diferente\"><\/span><strong>MEI e PJ t\u00eam car\u00eancia diferente?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>N\u00e3o. A car\u00eancia segue as mesmas regras da ANS, independente do tipo de contrata\u00e7\u00e3o. O que pode mudar \u00e9 a condi\u00e7\u00e3o negociada pela administradora do plano coletivo.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Simule_seu_plano_com_a_Hero\"><\/span>Simule seu plano com a Hero<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Company Hero \u00e9 corretora digital para quem trabalha por conta pr\u00f3pria. A gente ajuda a avaliar as regras de car\u00eancia de cada operadora (Amil, SulAm\u00e9rica, Bradesco e outras) e verifica se voc\u00ea tem direito \u00e0 portabilidade antes de contratar, com at\u00e9 40% de economia via CNPJ.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/simular-saude.companyhero.com\" data-type=\"link\" data-id=\"simular-saude.companyhero.com\" target=\"_blank\" rel=\"noopener\">Simule seu plano de sa\u00fade com a Hero e confira a car\u00eancia.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Fonte: <a href=\"https:\/\/www.gov.br\/ans\/pt-br\" target=\"_blank\" rel=\"noopener\">ANS (Ag\u00eancia Nacional de Sa\u00fade Suplementar)<\/a>, Resolu\u00e7\u00e3o Normativa sobre prazos de car\u00eancia.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Leia tamb\u00e9m:<\/strong> <a href=\"https:\/\/www.companyhero.com\/blog\/o-que-e-carencia-de-plano-de-saude\">O que \u00e9 car\u00eancia de plano de sa\u00fade? [Nova Lei]<\/a> | <a href=\"https:\/\/www.companyhero.com\/blog\/plano-de-saude-pode-negar-internacao-por-carencia-veja-o-que-diz-lei\">Plano de sa\u00fade pode negar interna\u00e7\u00e3o por car\u00eancia?<\/a> | <a href=\"https:\/\/www.companyhero.com\/blog\/portabilidade-plano-saude\">Portabilidade de plano de sa\u00fade: prazos e requisitos<\/a><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7387b849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t<div\n\t\t\tclass=\"hs-form-frame\"\n\t\t\tdata-region=\"na1\"\n\t\t\tdata-form-id=\"104c7783-7c0a-4a8e-b7ff-a4f9e334f646\"\n\t\t\tdata-portal-id=\"20005532\"\n\t\t\t >\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-9-16 wp-has-aspect-ratio has-custom-css wp-custom-css-b2193576\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Plano de sa\u00fade por CNPJ: por que sai mais em conta\" width=\"563\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/nyGGfyL9WA0?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><figcaption class=\"wp-element-caption\">Plano de sa\u00fade por CNPJ: por que sai mais em conta<\/figcaption><\/figure>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Resumo r\u00e1pido: Car\u00eancia no plano de sa\u00fade \u00e9 o tempo que voc\u00ea precisa esperar, depois de contratar, para usar determinada cobertura, definido pela ANS. Os prazos m\u00e1ximos variam por procedimento: 24 horas para urg\u00eancia e emerg\u00eancia, at\u00e9 30 dias para consultas e exames simples, at\u00e9 180 dias para interna\u00e7\u00f5es e cirurgias, e 300 dias para [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":7484,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[67,38],"tags":[90,216],"material":[],"class_list":["post-7483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-plano-de-saude","category-cuidado-com-a-saude","tag-para-sua-saude","tag-plano-de-saude"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts\/7483","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/comments?post=7483"}],"version-history":[{"count":3,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts\/7483\/revisions"}],"predecessor-version":[{"id":7581,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/posts\/7483\/revisions\/7581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/media\/7484"}],"wp:attachment":[{"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/media?parent=7483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/categories?post=7483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/tags?post=7483"},{"taxonomy":"material","embeddable":true,"href":"https:\/\/www.companyhero.com\/blog\/wp-json\/wp\/v2\/material?post=7483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}