{"id":77460,"date":"2026-03-25T09:40:50","date_gmt":"2026-03-25T12:40:50","guid":{"rendered":"https:\/\/economiasa.com.br\/blog\/?p=77460"},"modified":"2026-03-25T09:40:51","modified_gmt":"2026-03-25T12:40:51","slug":"ineficiencia-na-gestao-de-creditos-na-saude-suplementar-pode-comprometer-margens-operacionais-em-2026","status":"publish","type":"post","link":"https:\/\/economiasa.com.br\/blog\/ineficiencia-na-gestao-de-creditos-na-saude-suplementar-pode-comprometer-margens-operacionais-em-2026\/","title":{"rendered":"Inefici\u00eancia na gest\u00e3o de cr\u00e9ditos na sa\u00fade suplementar pode comprometer margens operacionais em 2026"},"content":{"rendered":"\n

Especialista alerta para o perigo de judicializar ativos de baixa viabilidade enquanto cr\u00e9ditos recuper\u00e1veis s\u00e3o negligenciados<\/em><\/p>\n\n\n\n

O setor de sa\u00fade suplementar encerrou o \u00faltimo ciclo com um cen\u00e1rio de press\u00e3o extrema sobre as margens. Segundo dados do Instituto de Estudos de Sa\u00fade Suplementar (IESS) e do Conselho Nacional de Justi\u00e7a (CNJ), a judicializa\u00e7\u00e3o da sa\u00fade mant\u00e9m uma curva ascendente, ultrapassando a marca de 500 mil novos processos anuais. Contudo, o impacto financeiro mais severo n\u00e3o reside apenas nas condena\u00e7\u00f5es, mas na gest\u00e3o ineficiente e n\u00e3o estrat\u00e9gica dos cr\u00e9ditos a receber.<\/p>\n\n\n\n

Peterson dos Santos, advogado especialista em Recupera\u00e7\u00e3o de Ativos e S\u00f3cio-Diretor da Eckermann & Santos, observa que muitas institui\u00e7\u00f5es de sa\u00fade operam com um \u201cponto cego\u201d estrat\u00e9gico. \u201cH\u00e1 uma tend\u00eancia de judicializa\u00e7\u00e3o autom\u00e1tica de carteiras inadimplentes sem uma an\u00e1lise pr\u00e9via de viabilidade. Isso gera um custo processual e administrativo que, muitas vezes, supera o valor recuper\u00e1vel, enquanto cr\u00e9ditos com alto potencial de liquidez expiram por falta de uma abordagem t\u00e9cnica e fundamentada\u201d, explica o executivo.<\/p>\n\n\n\n

O cen\u00e1rio exige que hospitais, laborat\u00f3rios e operadoras tratem a recupera\u00e7\u00e3o de ativos como parte integrante do Ciclo de Receita Hospitalar (CRH). A expertise em gest\u00e3o de grandes carteiras demonstra que a recupera\u00e7\u00e3o em escala depende de intelig\u00eancia de dados para priorizar o que realmente traz f\u00f4lego ao caixa. \u201cO objetivo n\u00e3o \u00e9 apenas o \u00eaxito processual, mas a recomposi\u00e7\u00e3o da sa\u00fade financeira da opera\u00e7\u00e3o, evitando que o jur\u00eddico se torne um centro de custos adicional em um setor de margens j\u00e1 reduzidas\u201d, conclui Peterson dos Santos.<\/p>\n","protected":false},"excerpt":{"rendered":"

Especialista alerta para o perigo de judicializar ativos de baixa viabilidade enquanto cr\u00e9ditos recuper\u00e1veis s\u00e3o negligenciados O setor de sa\u00fade suplementar encerrou…<\/p>\n","protected":false},"author":13,"featured_media":77461,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[283],"tags":[],"ppma_author":[13237],"class_list":{"0":"post-77460","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-saude"},"yoast_head":"\nInefici\u00eancia na gest\u00e3o de cr\u00e9ditos na sa\u00fade suplementar pode comprometer margens operacionais em 2026 - Economia S\/A<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/economiasa.com.br\/blog\/ineficiencia-na-gestao-de-creditos-na-saude-suplementar-pode-comprometer-margens-operacionais-em-2026\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inefici\u00eancia na gest\u00e3o de cr\u00e9ditos na sa\u00fade suplementar pode comprometer margens operacionais em 2026 - 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