{"id":13199,"date":"2026-04-23T15:28:32","date_gmt":"2026-04-23T20:28:32","guid":{"rendered":"https:\/\/blog.vumigroup.com\/risk-assessment-the-guide-you-need-before-purchasing-health-insurance\/"},"modified":"2026-04-23T17:10:43","modified_gmt":"2026-04-23T22:10:43","slug":"avaliacao-de-riscos-o-guia-que-voce-precisa-antes-de-contratar-seu-seguro-de-saude","status":"publish","type":"post","link":"https:\/\/blog.vumigroup.com\/pt-pt\/avaliacao-de-riscos-o-guia-que-voce-precisa-antes-de-contratar-seu-seguro-de-saude\/","title":{"rendered":"Avalia\u00e7\u00e3o de riscos:  o guia que voc\u00ea precisa antes de contratar seu seguro de sa\u00fade"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13199\" class=\"elementor elementor-13199 elementor-13183\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-538babf4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"538babf4\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25ea8a80\" data-id=\"25ea8a80\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-695bce89 elementor-widget elementor-widget-shortcode\" data-id=\"695bce89\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><button id=\"listenButton1\" class=\"responsivevoice-button\" type=\"button\" value=\"Play\" title=\"ResponsiveVoice Tap to Start\/Stop Speech\"><span>&#128266; Ouvir o artigo<\/span><\/button>\n        <script>\n            listenButton1.onclick = function(){\n                if(responsiveVoice.isPlaying()){\n                    responsiveVoice.cancel();\n                }else{\n                    responsiveVoice.speak(\"Avalia\u00e7\u00e3o de riscos: o guia que voc\u00ea precisa antes de contratar seu seguro de sa\u00fade Contratar um seguro de sa\u00fade internacional \u00e9 uma decis\u00e3o importante. E, no meio do processo, h\u00e1 uma etapa que costuma gerar d\u00favidas: a avalia\u00e7\u00e3o de riscos.Por que fazem tantas perguntas? O que a seguradora realmente verifica? Isso pode afetar sua cobertura?Este guia explica tudo de forma clara, para que voc\u00ea entenda como funciona esse processo e por que ele \u00e9 fundamental para a sua tranquilidade. (Leia tamb\u00e9m \u201cComo entender melhor seu seguro de sa\u00fade internacional\u201d) O que \u00e9 a avalia\u00e7\u00e3o de riscos? A avalia\u00e7\u00e3o de riscos \u00e9 o processo pelo qual a seguradora analisa seu perfil de sa\u00fade antes de emitir uma ap\u00f3lice.Seu objetivo n\u00e3o \u00e9 complicar o processo, mas entender sua situa\u00e7\u00e3o m\u00e9dica real para oferecer uma cobertura adequada.Em vez de aplicar condi\u00e7\u00f5es gerais a todos de forma igual, essa an\u00e1lise permite adaptar o seguro a cada pessoa, levando em conta que nem todos os perfis de sa\u00fade s\u00e3o iguais. (Leia tamb\u00e9m \u201cMesmo diagn\u00f3stico, risco diferente: como o risco \u00e9 avaliado hoje nos seguros m\u00e9dicos internacionais \u201d) Para que serve? Esse processo cumpre v\u00e1rias fun\u00e7\u00f5es essenciais: Definir como a cobertura ser\u00e1 concedida. Identificar condi\u00e7\u00f5es que exigem avalia\u00e7\u00e3o adicional. Estabelecer desde o in\u00edcio as condi\u00e7\u00f5es da sua ap\u00f3lice. Em poucas palavras, \u00e9 o que permite que seu seguro funcione corretamente quando voc\u00ea mais precisa. Como funciona a avalia\u00e7\u00e3o de riscos? O processo pode parecer demorado, mas segue uma l\u00f3gica clara. Aqui explicamos passo a passo. 1. Preencher o formul\u00e1rio Tudo come\u00e7a com voc\u00ea. No formul\u00e1rio inicial, voc\u00ea deve incluir informa\u00e7\u00f5es pessoais e seu hist\u00f3rico m\u00e9dico.Aqui n\u00e3o se trata apenas de dizer se voc\u00ea j\u00e1 teve uma condi\u00e7\u00e3o, mas de fornecer contexto:\u2742 Quando ocorreu.\u2742 Qual foi o diagn\u00f3stico recebido.\u2742 Que tratamento voc\u00ea seguiu.\u2742 Como voc\u00ea se sente atualmente.Esse primeiro passo \u00e9 fundamental para que tudo o mais flua. 2. Avalia\u00e7\u00e3o inicial Se voc\u00ea n\u00e3o relatar condi\u00e7\u00f5es m\u00e9dicas e atender a determinados crit\u00e9rios, sua solicita\u00e7\u00e3o poder\u00e1 avan\u00e7ar rapidamente sem a necessidade de uma avalia\u00e7\u00e3o m\u00e9dica aprofundada.Mas, se houver antecedentes ou fatores relevantes, seu caso passar\u00e1 para o pr\u00f3ximo n\u00edvel de an\u00e1lise. 3. Exame m\u00e9dico especializado Nesta etapa, uma equipe m\u00e9dica avalia seu perfil de forma integral. N\u00e3o se trata de examinar cada condi\u00e7\u00e3o separadamente, mas de compreender seu estado de sa\u00fade como um todo.Dependendo do caso, podem ser solicitados:\u2742 Question\u00e1rios espec\u00edficos de acordo com a condi\u00e7\u00e3o.\u2742 Laudos m\u00e9dicos.\u2742 Resultados de exames laboratoriais ou estudos.\u2742 Avalia\u00e7\u00f5es do m\u00e9dico respons\u00e1vel pelo tratamento. 4. Decis\u00e3o sobre a cobertura Com todas as informa\u00e7\u00f5es coletadas e ap\u00f3s uma an\u00e1lise personalizada de cada caso, a seguradora define como oferecer a ap\u00f3lice a voc\u00ea.As possibilidades incluem:\u2742 Aprova\u00e7\u00e3o padr\u00e3o.\u2742 Aprova\u00e7\u00e3o com condi\u00e7\u00f5es (como exclus\u00f5es ou ajustes).\u2742 Adiamento do processo.\u2742 N\u00e3o aprova\u00e7\u00e3o em casos de alto risco. 5. Emiss\u00e3o da ap\u00f3lice Uma vez tomada a decis\u00e3o, a ap\u00f3lice \u00e9 emitida com as condi\u00e7\u00f5es correspondentes.Se todas as informa\u00e7\u00f5es estiveram claras desde o in\u00edcio, essa etapa costuma ser \u00e1gil e sem contratempos. Que tipo de informa\u00e7\u00f5es podem ser solicitadas? A avalia\u00e7\u00e3o de riscos pode incluir perguntas sobre:\u2742 Doen\u00e7as diagnosticadas.\u2742 Interna\u00e7\u00f5es ou cirurgias.\u2742 Resultados de exames m\u00e9dicos.\u2742 Sintomas recentes ou exames em andamento.\u2742 Consultas m\u00e9dicas recentes, mesmo que n\u00e3o tenha havido diagn\u00f3stico.Tamb\u00e9m \u00e9 comum que sejam solicitados question\u00e1rios espec\u00edficos para determinadas condi\u00e7\u00f5es, ou relat\u00f3rios adicionais em casos mais complexos. Por que \u00e9 t\u00e3o importante ser transparente? Omitir informa\u00e7\u00f5es, mesmo que pare\u00e7am insignificantes, pode gerar problemas no futuro, especialmente na hora de utilizar sua ap\u00f3lice.Por outro lado, quando voc\u00ea fornece informa\u00e7\u00f5es completas e verdadeiras:\u2742 A avalia\u00e7\u00e3o \u00e9 mais r\u00e1pida.\u2742 A cobertura come\u00e7a sem atrasos.\u2742 Voc\u00ea sabe exatamente o que est\u00e1 coberto.\u2742 Voc\u00ea evita transtornos no futuro. O que significa o resultado da sua avalia\u00e7\u00e3o? Assim que a avalia\u00e7\u00e3o de riscos for conclu\u00edda, voc\u00ea n\u00e3o recebe apenas uma resposta: voc\u00ea recebe clareza. Esse resultado define como sua cobertura funcionar\u00e1 desde o primeiro dia e permite que voc\u00ea tome decis\u00f5es informadas antes de ativar sua ap\u00f3lice.Por exemplo, voc\u00ea poder\u00e1 entender:\u2742 Quais condi\u00e7\u00f5es est\u00e3o cobertas desde o in\u00edcio.\u2742 Se existe alguma limita\u00e7\u00e3o espec\u00edfica e por qu\u00ea.\u2742 Quais aspectos podem ser revistos no futuro.\u2742 Como a ap\u00f3lice se adapta ao seu perfil de sa\u00fade. (Leia tamb\u00e9m \u201cO que perguntar ao meu consultor para escolher o seguro sa\u00fade ideal para mim?\u201d) Comece bem, escolha com clareza A avalia\u00e7\u00e3o de riscos define como ser\u00e1 a sua cobertura desde o primeiro dia. Por isso, fazer isso bem e com informa\u00e7\u00f5es completas faz toda a diferen\u00e7a.Na VUMI\u00ae, esse processo foi projetado para ser \u00e1gil, claro e focado em oferecer a voc\u00ea uma experi\u00eancia de alto n\u00edvel desde o in\u00edcio.\u00a0 Se voc\u00ea est\u00e1 pensando em fazer um seguro de sa\u00fade internacional e quer entender como esse processo se aplica ao seu caso, consulte seu s consultor de seguro. Ele poder\u00e1 orient\u00e1-lo e ajud\u00e1-lo a seguir em frente com confian\u00e7a.\", \"Portuguese Female\");\n                }\n            };\n        <\/script>\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f067c4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f067c4f\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-247300f1\" data-id=\"247300f1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3284bed2 elementor-widget elementor-widget-heading\" data-id=\"3284bed2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><p>Avalia\u00e7\u00e3o de riscos: <br><span style=\"color: #0097CE\">o guia que voc\u00ea precisa antes de contratar seu seguro de sa\u00fade<\/span><\/p><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a3dfe71 elementor-widget__width-inherit elementor-invisible elementor-widget elementor-widget-image\" data-id=\"7a3dfe71\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"413\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/guia.png\" class=\"attachment-large size-large wp-image-13185\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/guia.png 919w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/guia-300x155.png 300w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/guia-768x397.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae0f3f8 elementor-widget elementor-widget-text-editor\" data-id=\"6ae0f3f8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contratar um seguro de sa\u00fade internacional \u00e9 uma decis\u00e3o importante. E, no meio do processo, h\u00e1 uma etapa que costuma gerar d\u00favidas: a avalia\u00e7\u00e3o de riscos.<\/p><p>Por que fazem tantas perguntas? O que a seguradora realmente verifica? Isso pode afetar sua cobertura?<\/p><p>Este guia explica tudo de forma clara, para que voc\u00ea entenda como funciona esse processo e por que ele \u00e9 fundamental para a sua tranquilidade.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2859753e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2859753e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-78c7a6d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78c7a6d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b489ab\" data-id=\"5b489ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab09a13 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ab09a13\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/blog.vumigroup.com\/pt-pt\/como-entender-melhor-seu-seguro-de-saude-internacional\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-link\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">(Leia tamb\u00e9m \u201cComo entender melhor seu seguro de sa\u00fade internacional\u201d)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-729a7279 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"729a7279\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-242f1933\" data-id=\"242f1933\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-156d3b16 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"156d3b16\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36d6eb7 elementor-widget elementor-widget-heading\" data-id=\"36d6eb7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O que \u00e9 a avalia\u00e7\u00e3o de riscos?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a8294c1 elementor-widget elementor-widget-text-editor\" data-id=\"1a8294c1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A avalia\u00e7\u00e3o de riscos \u00e9 o processo pelo qual a seguradora analisa seu perfil de sa\u00fade antes de emitir uma ap\u00f3lice.<\/p><p>Seu objetivo n\u00e3o \u00e9 complicar o processo, mas entender sua situa\u00e7\u00e3o m\u00e9dica real para oferecer uma cobertura adequada.<\/p><p>Em vez de aplicar condi\u00e7\u00f5es gerais a todos de forma igual, essa an\u00e1lise permite adaptar o seguro a cada pessoa, levando em conta que nem todos os perfis de sa\u00fade s\u00e3o iguais.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28af6c81 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"28af6c81\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-423c481e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"423c481e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ae48589\" data-id=\"5ae48589\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-634f5e5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"634f5e5\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/blog.vumigroup.com\/pt-pt\/mesmo-diagnostico-risco-diferente-como-o-risco-e-avaliado-hoje-nos-seguros-medicos-internacionais\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-link\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">(Leia tamb\u00e9m \u201cMesmo diagn\u00f3stico, risco diferente: como o risco \u00e9 avaliado hoje nos seguros m\u00e9dicos internacionais \u201d)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b71c49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b71c49\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a6df0c8\" data-id=\"1a6df0c8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d6801d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0d6801d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28ca487b elementor-widget elementor-widget-heading\" data-id=\"28ca487b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Para que serve?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fc5fe8f elementor-widget elementor-widget-text-editor\" data-id=\"7fc5fe8f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Esse processo cumpre v\u00e1rias fun\u00e7\u00f5es essenciais:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d17f70 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1d17f70\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 56 56\"><defs><style>      .st0 {        fill: #0097ce;      }    <\/style><\/defs><path class=\"st0\" d=\"M9.33,46.09c-.96,0-1.75-.78-1.75-1.74-.01-2.95,1.13-5.73,3.2-7.83,2.08-2.09,4.85-3.26,7.8-3.27h5.48c.97,0,1.75.78,1.75,1.75s-.78,1.75-1.75,1.75h-5.4c-2.09,0-3.98.8-5.4,2.23-1.42,1.43-2.2,3.33-2.19,5.35,0,.97-.78,1.75-1.74,1.76h0Z\"><\/path><path class=\"st0\" d=\"M39.67,50.76c-1.06,0-2.12-.27-3.08-.8-1.88-1.07-3.54-2.43-4.94-4.06-1.82-1.97-2.92-4.59-3.05-7.33,0-.02,0-.04,0-.05-.03-1.88.71-3.73,2.04-5.06,1.33-1.33,3.16-2.06,5.06-2.04,1.44-.03,2.85.43,4,1.31,1.25-.93,2.79-1.41,4.41-1.3,1.8.03,3.53.8,4.75,2.13,1.25,1.35,1.93,3.11,1.92,4.95,0,.04,0,.09,0,.13-.22,2.73-1.38,5.32-3.27,7.3-1.22,1.45-2.73,2.76-4.41,3.83-1.04.66-2.22,1-3.41,1ZM32.08,38.43c.1,1.91.87,3.74,2.17,5.15,1.18,1.37,2.53,2.47,4.04,3.33.9.5,2.02.47,2.89-.09,1.39-.89,2.63-1.97,3.69-3.22,1.38-1.46,2.21-3.27,2.38-5.18,0-.93-.36-1.81-.99-2.49-.58-.64-1.41-1-2.26-1.01-.04,0-.07,0-.11,0-1.1-.08-2.14.41-2.79,1.29-.34.46-.94.73-1.45.73-.57,0-1.11-.27-1.43-.74-.59-.84-1.5-1.28-2.53-1.28-1.01-.02-1.93.36-2.6,1.02-.66.66-1.03,1.57-1.02,2.5Z\"><\/path><path class=\"st0\" d=\"M28,28.58c-6.44,0-11.67-5.24-11.67-11.67s5.24-11.67,11.67-11.67,11.67,5.24,11.67,11.67-5.24,11.67-11.67,11.67ZM28,8.74c-4.51,0-8.17,3.67-8.17,8.17s3.67,8.17,8.17,8.17,8.17-3.67,8.17-8.17-3.67-8.17-8.17-8.17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Definir como a cobertura ser\u00e1 concedida. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 56 56\"><defs><style>      .st0 {        fill: #0097ce;      }    <\/style><\/defs><path class=\"st0\" d=\"M9.33,46.09c-.96,0-1.75-.78-1.75-1.74-.01-2.95,1.13-5.73,3.2-7.83,2.08-2.09,4.85-3.26,7.8-3.27h5.48c.97,0,1.75.78,1.75,1.75s-.78,1.75-1.75,1.75h-5.4c-2.09,0-3.98.8-5.4,2.23-1.42,1.43-2.2,3.33-2.19,5.35,0,.97-.78,1.75-1.74,1.76h0Z\"><\/path><path class=\"st0\" d=\"M39.67,50.76c-1.06,0-2.12-.27-3.08-.8-1.88-1.07-3.54-2.43-4.94-4.06-1.82-1.97-2.92-4.59-3.05-7.33,0-.02,0-.04,0-.05-.03-1.88.71-3.73,2.04-5.06,1.33-1.33,3.16-2.06,5.06-2.04,1.44-.03,2.85.43,4,1.31,1.25-.93,2.79-1.41,4.41-1.3,1.8.03,3.53.8,4.75,2.13,1.25,1.35,1.93,3.11,1.92,4.95,0,.04,0,.09,0,.13-.22,2.73-1.38,5.32-3.27,7.3-1.22,1.45-2.73,2.76-4.41,3.83-1.04.66-2.22,1-3.41,1ZM32.08,38.43c.1,1.91.87,3.74,2.17,5.15,1.18,1.37,2.53,2.47,4.04,3.33.9.5,2.02.47,2.89-.09,1.39-.89,2.63-1.97,3.69-3.22,1.38-1.46,2.21-3.27,2.38-5.18,0-.93-.36-1.81-.99-2.49-.58-.64-1.41-1-2.26-1.01-.04,0-.07,0-.11,0-1.1-.08-2.14.41-2.79,1.29-.34.46-.94.73-1.45.73-.57,0-1.11-.27-1.43-.74-.59-.84-1.5-1.28-2.53-1.28-1.01-.02-1.93.36-2.6,1.02-.66.66-1.03,1.57-1.02,2.5Z\"><\/path><path class=\"st0\" d=\"M28,28.58c-6.44,0-11.67-5.24-11.67-11.67s5.24-11.67,11.67-11.67,11.67,5.24,11.67,11.67-5.24,11.67-11.67,11.67ZM28,8.74c-4.51,0-8.17,3.67-8.17,8.17s3.67,8.17,8.17,8.17,8.17-3.67,8.17-8.17-3.67-8.17-8.17-8.17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Identificar condi\u00e7\u00f5es que exigem avalia\u00e7\u00e3o adicional. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 56 56\"><defs><style>      .st0 {        fill: #0097ce;      }    <\/style><\/defs><path class=\"st0\" d=\"M9.33,46.09c-.96,0-1.75-.78-1.75-1.74-.01-2.95,1.13-5.73,3.2-7.83,2.08-2.09,4.85-3.26,7.8-3.27h5.48c.97,0,1.75.78,1.75,1.75s-.78,1.75-1.75,1.75h-5.4c-2.09,0-3.98.8-5.4,2.23-1.42,1.43-2.2,3.33-2.19,5.35,0,.97-.78,1.75-1.74,1.76h0Z\"><\/path><path class=\"st0\" d=\"M39.67,50.76c-1.06,0-2.12-.27-3.08-.8-1.88-1.07-3.54-2.43-4.94-4.06-1.82-1.97-2.92-4.59-3.05-7.33,0-.02,0-.04,0-.05-.03-1.88.71-3.73,2.04-5.06,1.33-1.33,3.16-2.06,5.06-2.04,1.44-.03,2.85.43,4,1.31,1.25-.93,2.79-1.41,4.41-1.3,1.8.03,3.53.8,4.75,2.13,1.25,1.35,1.93,3.11,1.92,4.95,0,.04,0,.09,0,.13-.22,2.73-1.38,5.32-3.27,7.3-1.22,1.45-2.73,2.76-4.41,3.83-1.04.66-2.22,1-3.41,1ZM32.08,38.43c.1,1.91.87,3.74,2.17,5.15,1.18,1.37,2.53,2.47,4.04,3.33.9.5,2.02.47,2.89-.09,1.39-.89,2.63-1.97,3.69-3.22,1.38-1.46,2.21-3.27,2.38-5.18,0-.93-.36-1.81-.99-2.49-.58-.64-1.41-1-2.26-1.01-.04,0-.07,0-.11,0-1.1-.08-2.14.41-2.79,1.29-.34.46-.94.73-1.45.73-.57,0-1.11-.27-1.43-.74-.59-.84-1.5-1.28-2.53-1.28-1.01-.02-1.93.36-2.6,1.02-.66.66-1.03,1.57-1.02,2.5Z\"><\/path><path class=\"st0\" d=\"M28,28.58c-6.44,0-11.67-5.24-11.67-11.67s5.24-11.67,11.67-11.67,11.67,5.24,11.67,11.67-5.24,11.67-11.67,11.67ZM28,8.74c-4.51,0-8.17,3.67-8.17,8.17s3.67,8.17,8.17,8.17,8.17-3.67,8.17-8.17-3.67-8.17-8.17-8.17Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Estabelecer desde o in\u00edcio as condi\u00e7\u00f5es da sua ap\u00f3lice. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24b0527 elementor-widget elementor-widget-text-editor\" data-id=\"24b0527\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Em poucas palavras, \u00e9 o que permite que seu seguro funcione corretamente quando voc\u00ea mais precisa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-551c98d7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"551c98d7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47e08c7b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47e08c7b\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65077165\" data-id=\"65077165\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35283c7b elementor-widget elementor-widget-heading\" data-id=\"35283c7b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Como funciona a avalia\u00e7\u00e3o de riscos?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24633790 elementor-widget elementor-widget-text-editor\" data-id=\"24633790\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O processo pode parecer demorado, mas segue uma l\u00f3gica clara. Aqui explicamos passo a passo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a3df7a5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1a3df7a5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5040275 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5040275\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-010039c\" data-id=\"010039c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02c80a0 elementor-widget elementor-widget-heading\" data-id=\"02c80a0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Preencher o formul\u00e1rio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2201abf elementor-widget elementor-widget-text-editor\" data-id=\"2201abf\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tudo come\u00e7a com voc\u00ea. No formul\u00e1rio inicial, voc\u00ea deve incluir informa\u00e7\u00f5es pessoais e seu hist\u00f3rico m\u00e9dico.<\/p><p>Aqui n\u00e3o se trata apenas de dizer se voc\u00ea j\u00e1 teve uma condi\u00e7\u00e3o, mas de fornecer contexto:<\/p><p>\u2742 Quando ocorreu.<\/p><p>\u2742 Qual foi o diagn\u00f3stico recebido.<\/p><p>\u2742 Que tratamento voc\u00ea seguiu.<\/p><p>\u2742 Como voc\u00ea se sente atualmente.<\/p><p>Esse primeiro passo \u00e9 fundamental para que tudo o mais flua.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1def595 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1def595\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-675ceadb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"675ceadb\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33d95d0e\" data-id=\"33d95d0e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2deb89cb elementor-widget elementor-widget-heading\" data-id=\"2deb89cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Avalia\u00e7\u00e3o inicial<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47aa275b elementor-widget elementor-widget-text-editor\" data-id=\"47aa275b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Se voc\u00ea n\u00e3o relatar condi\u00e7\u00f5es m\u00e9dicas e atender a determinados crit\u00e9rios, sua solicita\u00e7\u00e3o poder\u00e1 avan\u00e7ar rapidamente sem a necessidade de uma avalia\u00e7\u00e3o m\u00e9dica aprofundada.<\/p><p>Mas, se houver antecedentes ou fatores relevantes, seu caso passar\u00e1 para o pr\u00f3ximo n\u00edvel de an\u00e1lise.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-308b067e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"308b067e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f93b238 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f93b238\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5db238d6\" data-id=\"5db238d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e2bdc5d elementor-widget elementor-widget-heading\" data-id=\"5e2bdc5d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Exame m\u00e9dico especializado<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c8a2608 elementor-widget elementor-widget-text-editor\" data-id=\"5c8a2608\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nesta etapa, uma equipe m\u00e9dica avalia seu perfil de forma integral. N\u00e3o se trata de examinar cada condi\u00e7\u00e3o separadamente, mas de compreender seu estado de sa\u00fade como um todo.<\/p><p>Dependendo do caso, podem ser solicitados:<\/p><p>\u2742 Question\u00e1rios espec\u00edficos de acordo com a condi\u00e7\u00e3o.<\/p><p>\u2742 Laudos m\u00e9dicos.<\/p><p>\u2742 Resultados de exames laboratoriais ou estudos.<\/p><p>\u2742 Avalia\u00e7\u00f5es do m\u00e9dico respons\u00e1vel pelo tratamento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6562b85f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6562b85f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-395c930 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"395c930\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e75935d\" data-id=\"e75935d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21e9de7 elementor-widget elementor-widget-heading\" data-id=\"21e9de7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Decis\u00e3o sobre a cobertura<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1235cf2 elementor-widget elementor-widget-text-editor\" data-id=\"1235cf2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Com todas as informa\u00e7\u00f5es coletadas e ap\u00f3s uma an\u00e1lise personalizada de cada caso, a seguradora define como oferecer a ap\u00f3lice a voc\u00ea.<\/p><p>As possibilidades incluem:<\/p><p>\u2742 Aprova\u00e7\u00e3o padr\u00e3o.<\/p><p>\u2742 Aprova\u00e7\u00e3o com condi\u00e7\u00f5es (como exclus\u00f5es ou ajustes).<\/p><p>\u2742 Adiamento do processo.<\/p><p>\u2742 N\u00e3o aprova\u00e7\u00e3o em casos de alto risco.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a24c10 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2a24c10\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c63c519 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c63c519\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e1ac794\" data-id=\"e1ac794\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b1e8c0 elementor-widget elementor-widget-heading\" data-id=\"0b1e8c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Emiss\u00e3o da ap\u00f3lice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e99242 elementor-widget elementor-widget-text-editor\" data-id=\"8e99242\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Uma vez tomada a decis\u00e3o, a ap\u00f3lice \u00e9 emitida com as condi\u00e7\u00f5es correspondentes.<\/p><p>Se todas as informa\u00e7\u00f5es estiveram claras desde o in\u00edcio, essa etapa costuma ser \u00e1gil e sem contratempos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87bcc66 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"87bcc66\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d5f84b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d5f84b\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9161823\" data-id=\"9161823\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a91ea2f elementor-widget elementor-widget-heading\" data-id=\"a91ea2f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que tipo de informa\u00e7\u00f5es podem ser solicitadas?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20473dd elementor-widget elementor-widget-text-editor\" data-id=\"20473dd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A avalia\u00e7\u00e3o de riscos pode incluir perguntas sobre:<\/p><p>\u2742 Doen\u00e7as diagnosticadas.<\/p><p>\u2742 Interna\u00e7\u00f5es ou cirurgias.<\/p><p>\u2742 Resultados de exames m\u00e9dicos.<\/p><p>\u2742 Sintomas recentes ou exames em andamento.<\/p><p>\u2742 Consultas m\u00e9dicas recentes, mesmo que n\u00e3o tenha havido diagn\u00f3stico.<\/p><p>Tamb\u00e9m \u00e9 comum que sejam solicitados question\u00e1rios espec\u00edficos para determinadas condi\u00e7\u00f5es, ou relat\u00f3rios adicionais em casos mais complexos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f45fdc5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f45fdc5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45111e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45111e6\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73e6465\" data-id=\"73e6465\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-011d97d elementor-widget elementor-widget-heading\" data-id=\"011d97d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Por que \u00e9 t\u00e3o importante ser transparente?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62410b4 elementor-widget elementor-widget-text-editor\" data-id=\"62410b4\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Omitir informa\u00e7\u00f5es, mesmo que pare\u00e7am insignificantes, pode gerar problemas no futuro, especialmente na hora de utilizar sua ap\u00f3lice.<\/p><p>Por outro lado, quando voc\u00ea fornece informa\u00e7\u00f5es completas e verdadeiras:<\/p><p>\u2742 A avalia\u00e7\u00e3o \u00e9 mais r\u00e1pida.<\/p><p>\u2742 A cobertura come\u00e7a sem atrasos.<\/p><p>\u2742 Voc\u00ea sabe exatamente o que est\u00e1 coberto.<\/p><p>\u2742 Voc\u00ea evita transtornos no futuro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5eaaa0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b5eaaa0\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe63470 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe63470\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8e0b623\" data-id=\"8e0b623\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-076b584 elementor-widget elementor-widget-heading\" data-id=\"076b584\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O que significa o resultado da sua avalia\u00e7\u00e3o?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8beb7ba elementor-widget elementor-widget-text-editor\" data-id=\"8beb7ba\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Assim que a avalia\u00e7\u00e3o de riscos for conclu\u00edda, voc\u00ea n\u00e3o recebe apenas uma resposta: voc\u00ea recebe clareza. Esse resultado define como sua cobertura funcionar\u00e1 desde o primeiro dia e permite que voc\u00ea tome decis\u00f5es informadas antes de ativar sua ap\u00f3lice.<\/p><p>Por exemplo, voc\u00ea poder\u00e1 entender:<\/p><p>\u2742 Quais condi\u00e7\u00f5es est\u00e3o cobertas desde o in\u00edcio.<\/p><p>\u2742 Se existe alguma limita\u00e7\u00e3o espec\u00edfica e por qu\u00ea.<\/p><p>\u2742 Quais aspectos podem ser revistos no futuro.<\/p><p>\u2742 Como a ap\u00f3lice se adapta ao seu perfil de sa\u00fade.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3b412e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a3b412e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4993a6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4993a6c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1417bf9\" data-id=\"1417bf9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bed474 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6bed474\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/blog.vumigroup.com\/pt-pt\/o-que-perguntar-ao-meu-consultor-para-escolher-o-seguro-saude-ideal-para-mim\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-link\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">(Leia tamb\u00e9m \u201cO que perguntar ao meu consultor para escolher o seguro sa\u00fade ideal para mim?\u201d)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1fe6fb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1fe6fb6\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a68239\" data-id=\"1a68239\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de28003 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"de28003\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-304548a elementor-widget elementor-widget-heading\" data-id=\"304548a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comece bem, escolha com clareza<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e97350e elementor-widget elementor-widget-text-editor\" data-id=\"e97350e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A avalia\u00e7\u00e3o de riscos define como ser\u00e1 a sua cobertura desde o primeiro dia. Por isso, fazer isso bem e com informa\u00e7\u00f5es completas faz toda a diferen\u00e7a.<\/p><p>Na VUMI<sup>\u00ae<\/sup>, esse processo foi projetado para ser \u00e1gil, claro e focado em oferecer a voc\u00ea uma experi\u00eancia de alto n\u00edvel desde o in\u00edcio.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b12c93 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8b12c93\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32c1f53a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32c1f53a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fcb86e\" data-id=\"fcb86e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-67883d9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67883d9d\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-395f470a\" data-id=\"395f470a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a339bcf elementor-widget elementor-widget-image\" data-id=\"1a339bcf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"369\" height=\"345\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/vumi-2.png\" class=\"attachment-large size-large wp-image-12901\" alt=\"\" srcset=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/vumi-2.png 369w, https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/vumi-2-300x280.png 300w\" sizes=\"(max-width: 369px) 100vw, 369px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-312b09c2\" data-id=\"312b09c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e386630 elementor-widget elementor-widget-spacer\" data-id=\"6e386630\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18a17582 elementor-widget elementor-widget-image\" data-id=\"18a17582\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"178\" height=\"69\" src=\"https:\/\/blog.vumigroup.com\/wp-content\/uploads\/2026\/04\/Log-1.png\" class=\"attachment-large size-large wp-image-12890\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756b6ac8 elementor-widget elementor-widget-heading\" data-id=\"756b6ac8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Se voc\u00ea est\u00e1 pensando em fazer um seguro de sa\u00fade internacional e quer entender como esse processo se aplica ao seu caso, consulte seu s<span style=\"color: #ffffff\"> consultor de seguro<\/span>. Ele poder\u00e1 orient\u00e1-lo e ajud\u00e1-lo a seguir em frente com confian\u00e7a.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Contratar um seguro de sa\u00fade internacional \u00e9 uma decis\u00e3o importante. E, no meio do processo, h\u00e1 uma etapa que costuma gerar d\u00favidas: a avalia\u00e7\u00e3o de riscos.<\/p>\n","protected":false},"author":7,"featured_media":13185,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-13199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sem-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Avalia\u00e7\u00e3o de riscos: o guia que voc\u00ea precisa antes de contratar seu seguro de sa\u00fade | Blog VUMI\u00ae<\/title>\n<meta name=\"description\" content=\"Contratar um seguro de sa\u00fade internacional \u00e9 uma decis\u00e3o importante. 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