Um Estudo Exploratório Sobre o Microsseguro Dental no Brasil
Resumo
Objetivo: Este trabalho tem como objetivo realizar a precificação do microsseguro dental no Brasil, com base nos microdados da Pesquisa Nacional de Saúde Bucal (SBBrasil 2010).
Fundamento: O trabalho baseia-se na literatura teórica sobre seguros e na evidência empírica, que mostra que produtos de microsseguro (em particular o dental) podem prover proteção social e aumentar o bem-estar da população de renda mais baixa.
Método: Como a SBBrasil 2010 traz tipicamente dados de estoque sobre a saúde bucal (coletados por profissionais do SUS), e a metodologia padrão de precificação atuarial emprega variáveis de fluxo, foi necessário modificar esta metodologia, empregando combinações de frequências e proxies de severidade para os procedimentos mais relevantes.
Resultados: Os valores dos prêmios mensais variam de R$ 46,89 a R$116,51, de acordo com as diferentes combinações de procedimentos de limpeza, restauração e exodontia. Há evidente tradeoff entre os níveis de proteção oferecidos nas combinações de coberturas e a viabilidade do produto. Em que pesem os valores de prêmios não serem elevados, representam parcela relativamente alta da renda do público-alvo. Para a faixa de renda per capita familiar de R$501 a R$1.500, o produto mais barato representaria 20,4% de sua renda.
Contribuições: Realizar de forma pioneira a precificação de um produto de seguro específico para as famílias de baixa de renda, com base em metodologia atuarial. Os resultados colocam em dúvida a viabilidade deste produto, em particular para grupos mais pobres. Mudanças na regulação poderiam alterar este quadro, mas devem ser vistas com cautela.
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