Análise de sinistralidade de uma operadora odontológica no estado de Minas Gerais

Abstract

From prospect of rising health care costs, an aging population and the constant search for health and dental plans, the National Health Agency created some processes and controls to assist operators in financial, operational and regulatory economic management in order to maintain the balance between supply and demand for private plans. This work intends to approach the evaluation of the accident theme, being a relationship between the operator's expenses and revenues, being a metric that helps in this financial-economic management. For the analysis, data were collected from a dental operator in the state of Minas Gerais, considering the use of the plan by users in this state and an assessment of the period from June / 2019 to July / 2020. Dummy variables were incorporated into the initial model, an evaluation was carried out through the method of multiple linear regression using Stepwise, multicolinearity analysis of the variables, adjustment of the data by Box-Cox models and normality analysis to define the model that best explains the variable response sinistrality, this indicator being highly important for financial health operator. At the end of this work, it is observed that variables previously not analyzed for an operator of external factors that are the source of control of the sinister.