O capital baseado em risco: uma abordagem para operadoras de planos de saúde

Abstract

Health Plans Companies should manage risks in order to be able, at any time, to accomplish the commitments under their responsability. The study of the risks involved in private health plans operations, a qualitative approach to the aspects involved in solvency assessments of this business, as well as an analysis throught the Composition of Probabilities by companies' modality and by indicators attributed to each one of the 5 categories of identified risks is the goal of this dissertation. The Composition of Probabilities has the characteristic of attributing higher importance to the distances between the units compared that, in some way, can be considered closer to a reference border. The proximity of the border is measured considering the probability of each option reach the border, in other words, the preference attributed to each option, according to each criterion, depends on its relative position to all the others options and not simply to the options of the border. The Composition of Probabilities was used with the purpose of classifying the companies with higher risks (considering each modality) and compare the results obtained when the Pareto and Uniform distributions of probability are assumed for the location measurements.