Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras
Autor(a) principal: | |
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Data de Publicação: | 2017 |
Tipo de documento: | Trabalho de conclusão de curso |
Idioma: | por |
Título da fonte: | Repositório Institucional da UFRN |
Texto Completo: | https://repositorio.ufrn.br/handle/123456789/34214 |
Resumo: | Among the last decade it was easy to notice a lot of health care providers becoming insolvent in Brazil and not being able to honor their compromises to debtors or beneficiaries. Looking for solutions, more and more papers have been talking about those health care providers’ insolvency, not only in data analysis but also trying to predict their reserve funds to maybe comprehend the main causes, effects and how to avoid insolvency. This paper main goal is to understand the Brazilian’s health care providers’ scene during the years 2012 to 2016, trying to knowledge in which situations they are e how much of their revenues are used to pay their debts. Not only this, the paper makes analysis considering the modalities, the size and the Brazilian regions of which heath care providers, so their particularities will be the same and their variabilities small. The results show that the health care providers can be found in a solvency state during the studied years, but that their revenues almost can’t pay off all their annual debts, indicating low profitability e a huge use of their risk reserves. |
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Moura Júnior, Carlos Alberto Alves deCorrêa, Cristiane SilvaCosta, José Vilton2017-12-15T17:27:59Z2021-09-20T11:52:44Z2017-12-15T17:27:59Z2021-09-20T11:52:44Z2017-12-012014028437MOURA JÚNIOR, Carlos Alberto Alves de. Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras. 2017. 48 f. Monografia (Monografia em Ciências Atuariais) - Universidade Federal do Rio Grande do Norte, Natal, 2017.https://repositorio.ufrn.br/handle/123456789/34214Among the last decade it was easy to notice a lot of health care providers becoming insolvent in Brazil and not being able to honor their compromises to debtors or beneficiaries. Looking for solutions, more and more papers have been talking about those health care providers’ insolvency, not only in data analysis but also trying to predict their reserve funds to maybe comprehend the main causes, effects and how to avoid insolvency. This paper main goal is to understand the Brazilian’s health care providers’ scene during the years 2012 to 2016, trying to knowledge in which situations they are e how much of their revenues are used to pay their debts. Not only this, the paper makes analysis considering the modalities, the size and the Brazilian regions of which heath care providers, so their particularities will be the same and their variabilities small. The results show that the health care providers can be found in a solvency state during the studied years, but that their revenues almost can’t pay off all their annual debts, indicating low profitability e a huge use of their risk reserves.Durante a última década, foi possível observar uma grande quantidade de operadoras de saúde entrando em estado de insolvência, sendo incapaz de honrar seus compromissos com devedores e beneficiários. Em busca de soluções, cada vez mais trabalhos tratam da questão de falência dessas operadoras, tanto em análises de dados como buscando realizar previsões de seus fundos de reserva na tentativa de compreender suas principais causas, efeitos e formas de serem evitadas. O objetivo deste trabalho é compreender o cenário nacional de solvência destas operadoras durantes os anos de 2012 a 2016, buscando saber em que situação elas se apresentam e o quanto de suas receitas são investidas em suas despesas. Não obstante, o presente trabalho trata de realizar essas análises considerando a modalidade, o porte e a região destas operadoras, na tentativa de reunir características e diminuir variabilidades. Os resultados demonstram que as operadoras se encontraram em estado de solvência durante os anos de estudo, mas que as receitas quase não são capazes de cobrir todas as despesas anuais, indicando baixa lucratividade e grande uso de suas reservas de risco.Universidade Federal do Rio Grande do NorteUFRNBrasilCiências AtuariaisSaúde suplementarOperadoras de saúdeRisco de insolvênciaFalência de operadoras de saúdeOPSBrazilian’s health care providersInsolvency riskBankruptcy of health care providersSolvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileirasSolvency in the supplementary health: comparative by modalities, size and brazilian regionsinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/bachelorThesisinfo:eu-repo/semantics/openAccessporreponame:Repositório Institucional da UFRNinstname:Universidade Federal do Rio Grande do Norte (UFRN)instacron:UFRNTEXTSaudeSuplementar_MouraJunior_2017.pdf.txtExtracted texttext/plain78418https://repositorio.ufrn.br/bitstream/123456789/34214/1/SaudeSuplementar_MouraJunior_2017.pdf.txtd0e686a32a8c3bf5c592c7a80021b6a1MD51ORIGINALSaudeSuplementar_MouraJunior_2017.pdfMonografiaapplication/pdf1029736https://repositorio.ufrn.br/bitstream/123456789/34214/2/SaudeSuplementar_MouraJunior_2017.pdf28bf673f20ebfa10e7abe6055b8c095dMD52LICENSElicense.txttext/plain756https://repositorio.ufrn.br/bitstream/123456789/34214/3/license.txta80a9cda2756d355b388cc443c3d8a43MD53123456789/342142021-09-20 08:52:44.743oai:https://repositorio.ufrn.br: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ório de PublicaçõesPUBhttp://repositorio.ufrn.br/oai/opendoar:2021-09-20T11:52:44Repositório Institucional da UFRN - Universidade Federal do Rio Grande do Norte (UFRN)false |
dc.title.pr_BR.fl_str_mv |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras |
dc.title.alternative.pr_BR.fl_str_mv |
Solvency in the supplementary health: comparative by modalities, size and brazilian regions |
title |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras |
spellingShingle |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras Moura Júnior, Carlos Alberto Alves de Saúde suplementar Operadoras de saúde Risco de insolvência Falência de operadoras de saúde OPS Brazilian’s health care providers Insolvency risk Bankruptcy of health care providers |
title_short |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras |
title_full |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras |
title_fullStr |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras |
title_full_unstemmed |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras |
title_sort |
Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras |
author |
Moura Júnior, Carlos Alberto Alves de |
author_facet |
Moura Júnior, Carlos Alberto Alves de |
author_role |
author |
dc.contributor.referees1.none.fl_str_mv |
Corrêa, Cristiane Silva |
dc.contributor.author.fl_str_mv |
Moura Júnior, Carlos Alberto Alves de |
dc.contributor.advisor1.fl_str_mv |
Costa, José Vilton |
contributor_str_mv |
Costa, José Vilton |
dc.subject.pr_BR.fl_str_mv |
Saúde suplementar Operadoras de saúde Risco de insolvência Falência de operadoras de saúde OPS Brazilian’s health care providers Insolvency risk Bankruptcy of health care providers |
topic |
Saúde suplementar Operadoras de saúde Risco de insolvência Falência de operadoras de saúde OPS Brazilian’s health care providers Insolvency risk Bankruptcy of health care providers |
description |
Among the last decade it was easy to notice a lot of health care providers becoming insolvent in Brazil and not being able to honor their compromises to debtors or beneficiaries. Looking for solutions, more and more papers have been talking about those health care providers’ insolvency, not only in data analysis but also trying to predict their reserve funds to maybe comprehend the main causes, effects and how to avoid insolvency. This paper main goal is to understand the Brazilian’s health care providers’ scene during the years 2012 to 2016, trying to knowledge in which situations they are e how much of their revenues are used to pay their debts. Not only this, the paper makes analysis considering the modalities, the size and the Brazilian regions of which heath care providers, so their particularities will be the same and their variabilities small. The results show that the health care providers can be found in a solvency state during the studied years, but that their revenues almost can’t pay off all their annual debts, indicating low profitability e a huge use of their risk reserves. |
publishDate |
2017 |
dc.date.accessioned.fl_str_mv |
2017-12-15T17:27:59Z 2021-09-20T11:52:44Z |
dc.date.available.fl_str_mv |
2017-12-15T17:27:59Z 2021-09-20T11:52:44Z |
dc.date.issued.fl_str_mv |
2017-12-01 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
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info:eu-repo/semantics/bachelorThesis |
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bachelorThesis |
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publishedVersion |
dc.identifier.pr_BR.fl_str_mv |
2014028437 |
dc.identifier.citation.fl_str_mv |
MOURA JÚNIOR, Carlos Alberto Alves de. Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras. 2017. 48 f. Monografia (Monografia em Ciências Atuariais) - Universidade Federal do Rio Grande do Norte, Natal, 2017. |
dc.identifier.uri.fl_str_mv |
https://repositorio.ufrn.br/handle/123456789/34214 |
identifier_str_mv |
2014028437 MOURA JÚNIOR, Carlos Alberto Alves de. Solvência da saúde suplementar: comparativo por modalidades, portes e regiões brasileiras. 2017. 48 f. Monografia (Monografia em Ciências Atuariais) - Universidade Federal do Rio Grande do Norte, Natal, 2017. |
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https://repositorio.ufrn.br/handle/123456789/34214 |
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Universidade Federal do Rio Grande do Norte |
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Brasil |
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Ciências Atuariais |
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Universidade Federal do Rio Grande do Norte |
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