| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="background-color: rgb(255, 255, 255); font-variant-numeric: normal; font-variant-east-asian: normal; margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(86, 86, 86); font-size: 10.5pt; font-style: italic; text-decoration-line: underline; text-transform: uppercase; line-height: 17px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif;"><span class="NormalTextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">PERGUNTAS E RESPOSTAS</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" data-ccp-parastyle-defn="{"ObjectId":"34102047-f982-4ce8-aea6-c104548f6091|41","ClassId":1073872969,"Properties":[134233117,"true",134233118,"true",134233614,"true",201340122,"2",201341983,"0",268442635,"24",335559705,"1046",335559740,"240",469769226,"Times New Roman",469775450,"x_msonormal",469777841,"Times New Roman",469777842,"Times New Roman",469777843,"Times New Roman",469777844,"Times New Roman",469778129,"xmsonormal",469778324,"Normal"]}" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">O que são os ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">?</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="color: windowtext; text-indent: 47px; margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">Microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;são seguros especialmente desenvolvidos e estruturados para:</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"> ;a população de baixa renda; ;</span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"> ;os microempreendedores individuais; e/ou</span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"> ;as microempresas e/ou as empresas de pequeno porte.</span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Qual a diferença entre empresa de pequeno porte e microempresa? ;</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">A principal diferença entre microempresas e empresa de pequeno porte é o faturamento.</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Segundo a Lei Complementar nº 123, de 14 de dezembro de 2006, uma microempresa (ME) pode faturar até R$ 360 mil por ano. Já no caso de uma empresa de pequeno porte (EPP), seu faturamento deve ficar entre R$ 360 mil e R$ 4,8 milhões.</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">O que é o Microempreendedor Individual - MEI? ;</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Microempreendedor individual é a pessoa que trabalha por conta própria e que se legaliza como pequeno empresário.</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Segundo a Lei Complementar nº 123, de 2006, para ser um microempreendedor individual é necessário faturar até R$ 81 mil por ano e não ter participação em outra empresa como sócio ou ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">titular.O</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;MEI também pode ter um empregado contratado que receba um salário mínimo ou o piso da categoria.</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Qual a norma que regulamenta os ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">?</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">A Resolução CNSP nº 409/2021 é a norma que dispõe sobre os princípios e características gerais para operação dos seguros classificados como ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">.</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">As operações de ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;também são regidas pelas regras e critérios ; ; regulamentares vigentes sobre as operações de seguro, desde que não contrariem as disposições da Resolução CNSP nº 409/2021.</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Quais coberturas podem ser contratadas em ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguro</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">?</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Os planos de ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguro</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;podem ser estruturados com quaisquer coberturas de danos ou de pessoas, isoladamente ou em conjunto, desde que sejam estruturadas no regime financeiro de repartição. Além disso, a cobertura deve ser compatível com o conceito de ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguro</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;e aderente aos princípios e valores básicos que regem os ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">.</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Quais são os princípios que regem ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">?</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Os ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;devem ser regidos, no mínimo, pelos seguintes princípios e valores básicos:</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">inclusão</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;">: os produtos devem ser desenvolvidos de modo a promover a inclusão do público-alvo não alcançado pelos sistemas tradicionais de proteção securitária;</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">simplicidade:</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"> ;as condições contratuais, os requerimentos e os procedimentos relacionados aos produtos devem ser simples e de fácil compreensão para os segurados, beneficiários e intermediários, desde a fase pré-contratual, até o cumprimento de todas as obrigações do contrato;</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">foco no cliente</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;">: as coberturas devem ser desenvolvidas e oferecidas de modo atender as reais necessidades dos segmentos específicos do seu público-alvo;</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">acessibilidade:</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"> ; a distribuição e os custos do produto, a disponibilização das informações e os procedimentos de pagamento do prêmio e de regulação dos sinistros devem ser apropriados e compatíveis com seu público-alvo;</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">transparência:</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"> ;todas as informações relacionadas ao produto devem ser prestadas de forma clara, objetiva, tempestiva e apropriada ao seu público-alvo;</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">proporcionalidade</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;">: os controles das supervisionadas, incluindo os relacionados a risco de fraude, risco moral e seleção adversa, devem ser tratados considerando os riscos cobertos e a importância segurada dos contratos;</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">sustentabilidade:</span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"> ;os produtos devem ser desenvolvidos com o objetivo de proporcionar desenvolvimento social sustentável por meio de adequada mitigação de riscos da população em situação de vulnerabilidade social;</span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">educação financeira</span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">: as sociedades seguradoras devem empenhar-se em promover a capacitação dos seus empregados e a educação financeira de seus clientes, de modo a possibilitar o pleno entendimento dos ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;ofertados, além de contribuir para o gerenciamento das suas finanças pessoais de modo geral; e ;</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;">inovação</span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;">: as sociedades seguradoras devem considerar, no desenvolvimento e distribuição dos produtos, a adoção de novos processos, tecnologias, metodologias e procedimentos para atender as necessidades dos consumidores.</span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Quem pode comercializar ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">?</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Sociedades seguradoras e ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguradoras</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">autorizadas a operar pela Susep.</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">Microsseguradoras</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;"> ;são sociedades seguradoras que operam exclusivamente com ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal">microsseguros</span><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">.</span></span>]]>
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| 1123
| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun Underlined SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; color: rgb(0, 128, 51); font-size: 8.5pt; text-decoration-line: underline; line-height: 13px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-weight: bold; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" data-ccp-parastyle="x_msonormal" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">A Susep determinou limites máximos de valores de capital segurado, no caso de coberturas de pessoas, e de limite máximo de indenização, no caso de coberturas de danos?</span></span>]]>
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| <![CDATA[<span data-contrast="none" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-size: 8.5pt; line-height: 13.8667px; font-family: Verdana, Verdana_EmbeddedFont, Verdana_MSFontService, sans-serif; font-variant-ligatures: none !important;"><span class="NormalTextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent;">Não. Porém, os limites máximos de indenização e de capital segurado deverão ser estabelecidos observada a natureza, o objetivo e as características da cobertura, e em respeito aos princípios e valores que regem os ;</span><span class="NormalTextRun SpellingErrorV2 SCXW108411515 BCX0">microsseguros</span></span>]]>
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| <![CDATA[<span data-contrast="auto" xml:lang="PT-BR" lang="PT-BR" class="TextRun SCXW108411515 BCX0" style="margin: 0px; padding: 0px; user-select: text; -webkit-user-drag: none; -webkit-tap-highlight-color: transparent; font-variant-ligatures: none !important; font-size: 11pt; line-height: 19.2px; font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;">.</span>]]>
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