Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View

Detalhes bibliográficos
Autor(a) principal: Freitas, Cinthia
Data de Publicação: 2013
Outros Autores: Yamamoto, Lucas Zucoli, Efing, Antonio Carlos
Tipo de documento: Artigo
Idioma: por
Título da fonte: Revista Jurídica Cesumar - Mestrado (Online)
Texto Completo: https://periodicos.unicesumar.edu.br/index.php/revjuridica/article/view/3246
Resumo: Although in Brazil private insurance has been growing fast, the increase in the number of participants with full benefits has still to be proved. The growth of the number of participants, money invested and health schemes supply are linked to a process of decreasing guarantee by institutions. On the other hand, these private institutions are advertising electronic simulation tools with regard to the yield of the health schemes offered. Although they warn that these simulations do not guarantee the specified yield by the institution, it may be said that they predominate or should predominate the accounting aspects that involve the planning of a retirement scheme, problematizing their technical sufficiency within the context of the consumer´s vulnerability. The Consumer Defense Code analyzes the characterization of simulators as advertisements to verify the existence of any bonding of the institution by integrating simulation to the contract of private insurance.
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spelling Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of ViewAnálisis Comparativo de Simuladores de Rentabilidad para Seguridad Social Privada desde La Perspectiva Del ConsumidorAnálise Comparativa de Simuladores de Rentabilidade para Previdência Privada sob a Ótica do ConsumidorConsumerConsumer Defense CodeInsurance SchemesPrivate InsuranceSimulatorYieldSeguridad Social PrivadaPlanes de Seguridad SocialSimuladorRentabilidadConsumidorCDCConsumidorCDCPrevidência PrivadaPlanos de PrevidênciaRentabilidadeSimuladorAlthough in Brazil private insurance has been growing fast, the increase in the number of participants with full benefits has still to be proved. The growth of the number of participants, money invested and health schemes supply are linked to a process of decreasing guarantee by institutions. On the other hand, these private institutions are advertising electronic simulation tools with regard to the yield of the health schemes offered. Although they warn that these simulations do not guarantee the specified yield by the institution, it may be said that they predominate or should predominate the accounting aspects that involve the planning of a retirement scheme, problematizing their technical sufficiency within the context of the consumer´s vulnerability. The Consumer Defense Code analyzes the characterization of simulators as advertisements to verify the existence of any bonding of the institution by integrating simulation to the contract of private insurance.La seguridad social privada en Brasil está presentando un crecimiento de recaudación notable, pero no fue aun experimentado el aumento del volumen de participantes en fase de goce del beneficio. El crecimiento del número de participantes, de los recursos invertidos y de los planes ofrecidos se vehicula a un proceso de disminución de garantías por parte de las instituciones. Por otro lado, las instituciones, con intuito publicitario, están haciendo accesibles herramientas electrónicas de simulación de rendimientos de los planes ofrecidos. Aunque adviertan que tales simulaciones no constituyan una garantía de rentabilidad por la institución, se percibe que estas dominan o deberían dominar los aspectos actuariales que envuelven una planificación de la jubilación, cuestionándose su suficiencia técnica frente a la vulnerabilidad del consumidor. La incidencia del Código de Defensa del Consumidor posibilita analizar la caracterización de los simuladores como ofertas de consumo, de modo a verificar la existencia de la vinculación de la institución por medio de la integración de la simulación al contracto de seguridad social privada.A previdência privada no Brasil vem apresentando crescimento de arrecadação notável, mas ainda não foi experimentado o aumento do volume de participantes em fase de gozo de benefício. O crescimento do número de participantes, dos capitais investidos e dos planos oferecidos está atrelado a um processo de diminuição de garantias por parte das instituições. Por outro lado, as instituições, com intuito publicitário, vêm disponibilizando ferramenta eletrônica de simulação de rendimentos dos planos oferecidos. Apesar de advertirem que tais simulações não constituem garantia de rentabilidade pela instituição, verifica-se que as mesmas dominam ou deveriam dominar os aspectos atuariais que envolvem um planejamento de aposentadoria, questionando-se a suficiência técnica destas, frente à vulnerabilidade do consumidor. A incidência do Código de Defesa do Consumidor possibilita analisar a caracterização dos simuladores como oferta de consumo, de modo a verificar a existência de vinculação da instituição por meio da integração da simulação ao contrato de previdência privada.Universidade Cesumar - UniCesumar2013-12-13info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtigo SolicitadoPesquisa Empírica de Campoapplication/pdfhttps://periodicos.unicesumar.edu.br/index.php/revjuridica/article/view/3246Revista Jurídica Cesumar - Mestrado; v. 14 n. 1 (2014): jan./jun.2176-91841677-6402reponame:Revista Jurídica Cesumar - Mestrado (Online)instname:Centro Universitário de Maringá (UNICESUMAR)instacron:UNICESUporhttps://periodicos.unicesumar.edu.br/index.php/revjuridica/article/view/3246/2293Freitas, CinthiaYamamoto, Lucas ZucoliEfing, Antonio Carlosinfo:eu-repo/semantics/openAccess2022-05-24T11:26:25Zoai:ojs.pkp.sfu.ca:article/3246Revistahttp://periodicos.unicesumar.edu.br/index.php/revjuridicaPRIhttp://periodicos.unicesumar.edu.br/index.php/revjuridica/oai||naep@unicesumar.edu.br2176-91841677-6402opendoar:2022-05-24T11:26:25Revista Jurídica Cesumar - Mestrado (Online) - Centro Universitário de Maringá (UNICESUMAR)false
dc.title.none.fl_str_mv Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
Análisis Comparativo de Simuladores de Rentabilidad para Seguridad Social Privada desde La Perspectiva Del Consumidor
Análise Comparativa de Simuladores de Rentabilidade para Previdência Privada sob a Ótica do Consumidor
title Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
spellingShingle Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
Freitas, Cinthia
Consumer
Consumer Defense Code
Insurance Schemes
Private Insurance
Simulator
Yield
Seguridad Social Privada
Planes de Seguridad Social
Simulador
Rentabilidad
Consumidor
CDC
Consumidor
CDC
Previdência Privada
Planos de Previdência
Rentabilidade
Simulador
title_short Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
title_full Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
title_fullStr Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
title_full_unstemmed Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
title_sort Comparative Analysis of Yield Simulators in Private Insurance Policies, from the Consumer´s Point of View
author Freitas, Cinthia
author_facet Freitas, Cinthia
Yamamoto, Lucas Zucoli
Efing, Antonio Carlos
author_role author
author2 Yamamoto, Lucas Zucoli
Efing, Antonio Carlos
author2_role author
author
dc.contributor.author.fl_str_mv Freitas, Cinthia
Yamamoto, Lucas Zucoli
Efing, Antonio Carlos
dc.subject.por.fl_str_mv Consumer
Consumer Defense Code
Insurance Schemes
Private Insurance
Simulator
Yield
Seguridad Social Privada
Planes de Seguridad Social
Simulador
Rentabilidad
Consumidor
CDC
Consumidor
CDC
Previdência Privada
Planos de Previdência
Rentabilidade
Simulador
topic Consumer
Consumer Defense Code
Insurance Schemes
Private Insurance
Simulator
Yield
Seguridad Social Privada
Planes de Seguridad Social
Simulador
Rentabilidad
Consumidor
CDC
Consumidor
CDC
Previdência Privada
Planos de Previdência
Rentabilidade
Simulador
description Although in Brazil private insurance has been growing fast, the increase in the number of participants with full benefits has still to be proved. The growth of the number of participants, money invested and health schemes supply are linked to a process of decreasing guarantee by institutions. On the other hand, these private institutions are advertising electronic simulation tools with regard to the yield of the health schemes offered. Although they warn that these simulations do not guarantee the specified yield by the institution, it may be said that they predominate or should predominate the accounting aspects that involve the planning of a retirement scheme, problematizing their technical sufficiency within the context of the consumer´s vulnerability. The Consumer Defense Code analyzes the characterization of simulators as advertisements to verify the existence of any bonding of the institution by integrating simulation to the contract of private insurance.
publishDate 2013
dc.date.none.fl_str_mv 2013-12-13
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Artigo Solicitado
Pesquisa Empírica de Campo
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://periodicos.unicesumar.edu.br/index.php/revjuridica/article/view/3246
url https://periodicos.unicesumar.edu.br/index.php/revjuridica/article/view/3246
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://periodicos.unicesumar.edu.br/index.php/revjuridica/article/view/3246/2293
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidade Cesumar - UniCesumar
publisher.none.fl_str_mv Universidade Cesumar - UniCesumar
dc.source.none.fl_str_mv Revista Jurídica Cesumar - Mestrado; v. 14 n. 1 (2014): jan./jun.
2176-9184
1677-6402
reponame:Revista Jurídica Cesumar - Mestrado (Online)
instname:Centro Universitário de Maringá (UNICESUMAR)
instacron:UNICESU
instname_str Centro Universitário de Maringá (UNICESUMAR)
instacron_str UNICESU
institution UNICESU
reponame_str Revista Jurídica Cesumar - Mestrado (Online)
collection Revista Jurídica Cesumar - Mestrado (Online)
repository.name.fl_str_mv Revista Jurídica Cesumar - Mestrado (Online) - Centro Universitário de Maringá (UNICESUMAR)
repository.mail.fl_str_mv ||naep@unicesumar.edu.br
_version_ 1798042386902810624

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