Denied by your health plan? Your secret rights revealed.
Brazil's law protects you—visa status doesn't matter.
Denied by your health plan? Your secret rights revealed.
Brazil's law protects you—visa status doesn't matter.
The moment you get a denial, three automatic rights kick in—no lawyer needed. But most people don't use them. Are you one of them?
24
hours to obtain a written denial justification for urgent care
Dica
Always request the denial reason in writing—email works, but get a protocol number. The law requires it in Portuguese; request a translation if needed.
Written detailed reason
Free internal appeal
Complain to ANS for fines
How long does the internal appeal take?
The ombudsman must answer in 7 business days, by law. No response? Escalate to ANS.
“
Brazilian courts overwhelmingly rule in favor of patients whose health is at risk.
✘ Mito
Plans can deny without explanation.
✓ Verdade
Written justification is mandatory by federal law—even for expats.
Your health can't wait. Know the steps to fight back.