Planes de mujeres en isapres bajan $45 mil en promedio desde abril tras eliminación de diferencias por género

  • Por Felipe Pinochet



Durante abril los planes de salud privados para mujeres disminuyeron en promedio $45.900 pesos, esto desde la entrada en vigencia de la circular de la Superintendencia de Salud que eliminó las diferencias por género en los precios de planes de isapres. En concreto, la modificación eliminó las diferencias en las tablas de factores de riesgos que eran utilizadas por las aseguradoras para el cálculo de los valores de sus prestaciones.


De esta forma, se estableció una tabla única de factores de riesgo que ahora solo distingue por la edad de las personas que deseen suscribir un contrato de salud y la condición que tengan, al ser cotizantes o cargas.


Entre los resultados que se registran en la actualidad se encuentra, por ejemplo, que una mujer de 25 años sin hijos puede llegar a pagar un 29,7% de lo que se pagaba con anterioridad. O, por ejemplo, que una madre y su hijo obtienen una disminución de un 32,8%.


Con respecto a mujeres en edad fértil, un análisis actual arroja que una cotizante de 30 años en la actualidad puede llegar a pagar un 48% menos respecto a la norma anterior.


La revisión de la autoridad también detectó que las mujeres lideran las afiliaciones desde que se emitió la circular. Según estos datos, entre abril y julio se firmaron 66.678 contratos en el sistema isapres, de los cuales 37.686 (56,5%) fueron sellados por mujeres, y 28.992, por hombres.


En la Asociación de Isapres valoraron los resultados de esta medida y se mostraron dispuestos a seguir trabajando en mejoras al sistema, tal como lo manifestó su presidente, Gonzalo Simón. “Esta medida es un avance que va en línea con corregir los problemas del sector. Cambios que como isapres queremos apoyar para mejorar el sistema. La suscripción registrada corresponde a un 60% de mujeres. Además, al interior de las isapres, se ve que las mujeres se están cambiando a planes con mejores coberturas”, aseguró.


Por su parte, el superintendente de Salud, Patricio Fernández, explicó que los cambios a la tabla de factores, además de igualarla para hombres y mujeres, redujeron los tramos etarios. “Un problema que traía el sistema privado, entre varios otros, era la discriminación por género, fundamentalmente por la tabla de factores: tenían más de 18 tramos de edad y cada isapre manejaba hasta tres distintas”, detalló la autoridad.



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