Análise de risco em cooperativas médicas do estado do Ceará

Abstract

This monograph shows the history of health insurance in Brazil and the key features in the current market of Medical Cooperatives in Ceará. Beyond that, to propose a method to analyze the risk involved in the operation of private health care plans and in the maintenance of Carriers Solvency (OPS). In this paper were selected indicators that were provided by the National Health Agency (NSA), which are important to identify the various types of risk incurred by the OPSs. The Probabilistic Assessment is a method used to put the indicators in a way to make those OPSs closer to the borders of insolvency. Indicators probabilistic assessment uses the Pareto probability distribution and Uniform distribution. A representative indicator for each type of risk was selected. The OPSs used in this work were exceptionally the Medical Cooperatives from Ceará State, other modalities and States were not used in this paper.