Aplicação do paradigma ECD (Estrutura Conduta Desempenho) ao mercado de saúde suplementar brasileiro: considerações sobre operadoras classificadas pelo índice de reclamações da ANS

Abstract

The aim of this work is analyze 116 health insurance companies classified by the Complaints Index issued by the NHA (National Health Agency) and for the year 2011. The variables analyzed followed the SCP model (Structure-Conduct-Performance) and were submitted to statistical techniques such as correlation analysis; conglomerates and discriminant. The results show statistically significant correlation between the non-financial performance (rate of complaints) and the number of beneficiaries; administrative expenses and short-term debt ratio. In addition, operators were classified into 2 groups: "Concentrated" and "Scattered", with emphasis on the second consists of operators belonging mostly to the northeast of the country, subject to less competition and better claims ratios.