Of course! “Bônus AllCare” refers to a specific benefit offered by **Allianz Partners** through their **AllCare** health insurance plans in Brazil.
Here’s a detailed breakdown of what it is, how it works, and its key features:
### What is the Bônus AllCare?
It is a **financial incentive or cashback program** designed to reward the insured for maintaining a healthy lifestyle and for not using the insurance plan extensively. The core idea is: **”The less you use the plan, the more money you get back.”**
### How Does It Work?
1. **Accumulation of Bonus:** For every month you (and your dependents, if applicable) do **not** use certain medical services (like consultations, exams, therapies), you accumulate a credit (“bônus”) in a virtual account.
2. **Monetary Value:** This accumulated bonus is converted into money (Reais).
3. **Redemption:** You can redeem this money in two main ways:
* **Discount on the Monthly Premium:** The most common use is to get a discount on your next health plan bill.
* **Direct Deposit:** In some cases, it can be deposited into a bank account (rules may vary by plan).
### What Services Count Towards the Bonus?
You typically accumulate the bonus by **NOT using**:
* Medical consultations (general practitioners and specialists)
* Diagnostic exams (blood tests, X-rays, MRIs, etc.)
* Outpatient therapies (physical therapy, speech therapy, etc.)
* **Important:** Emergency care, surgeries, hospitalizations, childbirth, and preventive care (like annual check-ups) usually **DO NOT** prevent you from earning the bonus. The program encourages responsible use, not the avoidance of necessary care.
### Key Features and Benefits:
* **Financial Reward:** It’s a way to get part of your investment back if you have a healthy period.
* **Encourages Conscious Use:** Promotes the idea of using the health plan wisely, avoiding unnecessary consultations.
* **Family Coverage:** In family plans, the bonus is often calculated for the entire family unit.
* **No Loss of Coverage:** Not using services to earn the bonus does not affect your right to full coverage when you need it.
### Important Considerations (The “Fine Print”):
* **Plan Specific:** The rules, percentages, and redemption methods can vary significantly depending on the specific AllCare plan (e.g., AllCare 100, AllCare 200) and the contract signed with Allianz Partners.
* **Maximum Limit:** There is usually a cap on how much bonus you can accumulate or redeem per year.
* **Usage Threshold:** Some plans have a minimal usage threshold (e.g., using one consultation might not invalidate the entire month’s bonus).
* **Not a Guarantee:** It’s an incentive program, not a guaranteed return. If you need medical care, you should use it.
### How to Check Your Bônus?
1. **Allianz Partners Customer Portal or App:** The most direct way. Log in to your account to see your accumulated balance.
2. **Customer Service:** Contact Allianz Partners via phone (usually **4020-1010** for capitals and metropolitan areas or **0300-881-1010** for other locations) or chat.
3. **Insurance Broker:** If you purchased the plan through a broker, they can help you check.
### In Summary:
The **Bônus AllCare** is a **loyalty and wellness program** that financially rewards policyholders for periods of low medical usage. It’s a distinctive feature of Allianz’s AllCare plans, making them more attractive by offering potential savings on the monthly premium.
**For exact details about your specific contract, always refer to your policy documentation or contact Allianz Partners directly.**
