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With a health plan for MEI you bring more security to your life!
Starting a business and owning your own business is enjoyable, but it's not easy at all.
There are many obligations and activities in the routine of the individual microentrepreneur, and with so many problems to solve, it is normal for this professional to experience peaks of stress, nervousness, and anxiety.
These problems can even lead to other health conditions that need to be monitored frequently.
To save on medical appointments and make your life more convenient, MEIs can count on an exclusive health plan.
Since 2018, the National Health Agency enabled this service model. Continue reading to find out how it works, the best options, how to sign up, and more!
What is a health plan for MEI?
It is a health plan designed for individual microentrepreneurs, but which can also cover their dependents and employees, considering that this category can have a maximum of one registered employee.
The main difference of this service is its payment conditions, as the price is reduced for MEIs, however, it has the same structure as the business model.
The value can be up to 50% lower compared to the values paid for business plans, depending on the operator.
How does it work?
To hire this service, the applicant must have been registered as an MEI for more than 6 months.
This requirement was established to prevent companies from opening just to sign up for a plan, given that the prices are lower.
Another requirement is that there must be at least two contracts, that is, two people. If the MEI does not have employees, they can include immediate family members, such as parents, spouse, and children.
There is no maximum quantity stipulated by law, however, some operators may limit this number.
Another factor that can greatly influence the health plan for MEI is the health history of the contractor or dependents.
When someone has a highly complex illness, the plan may be vetoed or limited.
What are the advantages of taking out a health plan for MEI?
As already mentioned, the main difference in the health plan for individual microentrepreneurs is the price.
As it is considered a corporate plan, but with a low number of participants, operators are able to offer prices up to 40% cheaper, compared to corporate and individual plans.
In some companies, this discount can reach 50%, under certain conditions and times.
Another advantage to stand out is the quality of the services offered, as there is business quality.
This means the plan can have greater coverage of doctors and locations.
Furthermore, it is possible to gain access to higher quality hospitals, more advanced examinations, comprehensive assistance and humanized care.
When the contractor is a MEI, he finds a greater number of plans to hire.
In individual plans, there is a limited number of plans and operators, however, when you are an individual microentrepreneur, the scenario changes.
As a result, the customer has the opportunity to choose between the best options; health plan for MEI that best fits your needs and those of other participants.
Finally, another advantage we can highlight is that this service is provided by large Brazilian companies.
This enables reliable, high-quality services. Learn about some of these companies below!
Best health plans for MEI
Currently, there are many excellent plans available for this audience. Learn about some of the best options on the market and how to apply below!
Before checking out our list, it's very important that you only find this service from operators registered with the ANS.
1. Intermédica
THE health plan for MEI offered by NotreDame Intermédica is the same as the individual modality, however, it offers a reduction of up to 50% in the monthly fee.
Furthermore, the contractor must be a legal entity; in the case of beneficiaries, they must be linked to the legal entity by family, employment, or statutory relationship.
To hire, the individual microentrepreneur must have been registered as an MEI for more than 6 months.
Other than that, the company doesn't have any major requirements for purchasing insurance. See below for the required documentation.
- Active registration with the IRS for at least 180 days;
- Present Declaration of Authenticity;
- Copy of Articles of Association;
- Copy of an identification document (RG or CNH);
- Minimum of 2 contracts to close (two lives).
NotreDame Intermédica offers different services in the plan, making it possible to make it as personalized as possible.
For example, the MEI can choose a health plan with local coverage for their region or for the entire national territory.
In addition to having one of the best health plans for individual microentrepreneurs on the market, NotreDame Intermédica also offers one of the best prices.
The plan price usually varies depending on the coverage and other services chosen.
To hire, request a quote at website or the following numbers: (11) 2805 4404 or via WhatsApp (11) 97633 0658.
2. Health plan for MEI Amil
Amil is currently offering a 20% discount for new hires and 5% cashback.
In other words, in addition to saving money, the customer also gets money back on their monthly fee.
The company offers coverage for all medical and hospital procedures registered with the National Health Agency, such as:
- Emergency Room;
- Maternity;
- Consultations;
- Exams;
- Hospitalizations;
- Surgeries;
- Childbirths.
There are three models of health plan for MEI: Amil S380, Amil S450 and Amil S750. Each one has different services and also different prices.
The Amil S380 Plan is the operator's most basic, yet it offers significant coverage.
To find out about all the plans and which one is best for you, visit Amil website and ask for your quote.
3. SulAmérica
SulAmérica also makes the list of best companies to hire a health plan for MEI.
The prices offered by it are considered intermediate, that is, neither too expensive nor too cheap.
We can say that it is a company that offers great value for money: great services, benefits, outstanding coverage and a fair price.
There are 7 different plans and some are not available in all regions.
SulAmérica offers corporate plan coverage for an active CNPJ and two dependents, who can be family members or employees.
The MEI, in turn, has the same benefits, structures and conditions as the business plan.
However, the price can be up to 30% cheaper compared to membership plans or individual plans.
In addition to the coverage registered with the ANS, provided for by law and mandatory, the operator also offers additional coverage, such as:
- Sclerotherapy;
- Speech therapy;
- Transplants;
- Psychomotricity.
To find out more details about the plans, coverage and contracting methods, visit the website and request a quote.
4. Bradesco Health
With Bradesco Saúde, individual microentrepreneurs can also take care of their health and maintain the quality of life of their business!
At the company, we offer plans that meet different needs and realities. Some of their features include:
- Options of doctors, clinics, hospitals and laboratories.
- Service with regional or national coverage.
- Hiring from 3 people.
- Pharmacy Discount.
- Digital services such as: digital card and tracking and reimbursement requests.
- Bradesco Travel Insurance.
- Combined Dental Plan option.
- Club + Health.
- My Doctor Program;
- Reimbursement.
Bradesco plans vary depending on the number of employees/participants. The only requirement for MEIs is that the contract must be made for three or more people.
However, it has the structure, benefits, advantages and quality of services offered to large companies.
Additionally, Bradesco offers discounts of up to 50%. This makes Bradesco one of the best health plans for MEIs in the country. Visit the website and get a quote.
In addition to the options highlighted above, you can also learn about health plans for individual microentrepreneurs offered by:
- Unimed;
- Safe Harbor;
- Golden Cross;
- So Health;
- Amil One;
- Paraná Clinics.
Before choosing, it is essential to get more than one quote to find out which is the best alternative for you.
Among the characteristics that a good health plan needs to have, we can highlight, for example:
- Fair price;
- Quality services;
- Good customer reviews;
- Attractive grace period;
- The company must be registered with the ANS;
- Different coverage options, including location.
Consider your needs and those of your plan participants, and then choose the best plan for both of you.
Conclusion
The life of a individual microentrepreneur It's not easy. There are many activities and situations that can cause stress, nervousness, anxiety, poor nutrition, sleepless nights, among other conditions.
Because of this, it is common for your immune system to weaken, making it easier for diseases to appear.
That's why it's so important for these professionals to have a health plan to use when needed, to have regular checkups and exams, and to avoid wasting time in lines at public hospitals.
Ah! All this for a price well below market value. It's certainly a contract that will bring many advantages and benefits.
Therefore, know the alternatives health plan for MEI mentioned in this text, compare and choose the best alternative for you!
