Impacto da pandemia na sinistralidade das operadoras exclusivamente odontológicas no Brasil

Abstract

The COVID-19 pandemic brought profound transformations to society, significantly impacting the health sector, including dental insurance operators in Brazil. This thesis aims to analyze the pandemic's impact on the claims ratio of dental operators by comparing the pre-pandemic, pandemic, and post-pandemic periods. Utilizing data extracted from TABNET-SUS regarding revenue and assistential expenses between 2018 and 2023, the research segments operators by size according to Resolution Normative nº 518/2022. The results indicate a significant reduction in claims ratio during the pandemic period, attributed to a decrease in dental treatments performed only in emergency cases. Despite the drop in assistential costs in 2020, operators' revenues demonstrated resilience, recovering and growing in the years following the pandemic. Additionally, large dental operators exhibited greater financial stability compared to the general market. This study contributes to understanding the financial dynamics of dental operators during a health crisis, offering valuable insights for the sector's management and strategic planning.