{"id":6286,"date":"2026-09-25T10:40:31","date_gmt":"2026-09-25T13:40:31","guid":{"rendered":"https:\/\/tecnologiaunica.com.br\/?p=6286"},"modified":"2026-09-25T10:40:33","modified_gmt":"2026-09-25T13:40:33","slug":"sistema-para-administradora-de-protecao-patrimonial-mutualista","status":"publish","type":"post","link":"https:\/\/tecnologiaunica.com.br\/en\/blog\/sistema-para-administradora-de-protecao-patrimonial-mutualista\/","title":{"rendered":"Sistema para administradora de prote\u00e7\u00e3o patrimonial mutualista"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Um sistema para administradora de prote\u00e7\u00e3o patrimonial mutualista precisa sustentar obriga\u00e7\u00f5es que a <a href=\"https:\/\/www2.susep.gov.br\/safe\/scripts\/bnweb\/bnmapi.exe?router=upload\/31488\">Resolu\u00e7\u00e3o CNSP n\u00ba 491\/2026<\/a> tornou exig\u00edveis. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00e3o elas: escritura\u00e7\u00e3o e demonstra\u00e7\u00f5es financeiras segregadas por grupo, apura\u00e7\u00e3o do rateio em at\u00e9 cinco dias ap\u00f3s a data-base, contribui\u00e7\u00e3o discriminada em tr\u00eas parcelas e informa\u00e7\u00e3o dispon\u00edvel \u00e0 Susep em prazos curtos. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sistemas de associa\u00e7\u00e3o, de seguradora ou de cons\u00f3rcio cobrem partes desse problema, mas n\u00e3o foram desenhados sobre grupos com patrim\u00f4nio segregado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principais pontos<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A Resolu\u00e7\u00e3o CNSP n\u00ba 491, de 4 de maio de 2026, transformou obriga\u00e7\u00f5es de governan\u00e7a em requisitos operacionais di\u00e1rios. Boa parte deles s\u00f3 \u00e9 cumprida se o sistema for desenhado para isso desde o in\u00edcio.<\/li>\n\n\n\n<li>A exig\u00eancia estrutural \u00e9 a <strong>segrega\u00e7\u00e3o por grupo<\/strong>: cada grupo de prote\u00e7\u00e3o patrimonial mutualista tem CNPJ, patrim\u00f4nio, provis\u00f5es t\u00e9cnicas e demonstra\u00e7\u00f5es financeiras pr\u00f3prias, separadas da contabilidade da administradora.<\/li>\n\n\n\n<li>Prazos regulat\u00f3rios viram requisitos de disponibilidade de dados: cinco dias para concluir a apura\u00e7\u00e3o do rateio, dez dias para responder a um pedido de ades\u00e3o, vinte e quatro horas para entregar o contrato de participa\u00e7\u00e3o e noventa dias para regular e liquidar um evento.<\/li>\n\n\n\n<li>O cronograma \u00e9 conhecido. A Susep indica <strong>7 de maio de 2028<\/strong> como prazo final da Fase III, quando a associa\u00e7\u00e3o precisa apresentar contrato com uma administradora autorizada. A janela de an\u00e1lise priorit\u00e1ria de pedidos de autoriza\u00e7\u00e3o se encerrou em 3 de agosto de 2026.<\/li>\n\n\n\n<li>Tecnologia n\u00e3o produz conformidade sozinha. O sistema organiza o processo e sustenta a evid\u00eancia; a obriga\u00e7\u00e3o continua sendo da administradora e dos diretores designados.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">O que mudou entre operar uma associa\u00e7\u00e3o e administrar grupos supervisionados<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At\u00e9 2025, a prote\u00e7\u00e3o veicular mutualista operava como atividade associativa, fora do per\u00edmetro de supervis\u00e3o da Susep. A <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/LEIS\/LCP\/Lcp213.htm\">Lei Complementar n\u00ba 213, de 15 de janeiro de 2025<\/a>, encerrou esse arranjo e criou uma estrutura de tr\u00eas figuras:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A <strong>associa\u00e7\u00e3o<\/strong>, que forma o grupo e representa os participantes.<\/li>\n\n\n\n<li>O <strong>grupo<\/strong>, com patrim\u00f4nio pr\u00f3prio e CNPJ.<\/li>\n\n\n\n<li>A <strong>administradora<\/strong>, sociedade por a\u00e7\u00f5es de objeto social exclusivo, autorizada pela Susep, respons\u00e1vel pela gest\u00e3o operacional, atuarial e financeira.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Em termos pr\u00e1ticos, a <strong>administradora de opera\u00e7\u00f5es de prote\u00e7\u00e3o patrimonial mutualista (PPM)<\/strong> \u00e9 a \u00fanica entidade que pode subscrever riscos, processar ades\u00f5es, emitir contratos, calcular e cobrar o rateio, gerir o patrim\u00f4nio dos grupos e regular e liquidar eventos cobertos. A associa\u00e7\u00e3o pode apoiar parte dessas atividades, mas apenas mediante contrato e sob supervis\u00e3o da administradora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O processo de regulariza\u00e7\u00e3o foi organizado em fases, conforme a p\u00e1gina oficial da Susep sobre associa\u00e7\u00f5es de prote\u00e7\u00e3o patrimonial mutualista:<\/p>\n\n\n\n<style>\n  .tu-mutualist-regulatory-milestones-table,\n  .tu-mutualist-regulatory-milestones-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-regulatory-milestones-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #333333;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-regulatory-milestones-table__container {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-mutualist-regulatory-milestones-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-mutualist-regulatory-milestones-table th,\n  .tu-mutualist-regulatory-milestones-table td {\n    padding: 15px 14px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-mutualist-regulatory-milestones-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, .15);\n\n    font-size: 12px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-mutualist-regulatory-milestones-table thead th:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-regulatory-milestones-table thead th:nth-child(1) {\n    width: 28%;\n  }\n\n  .tu-mutualist-regulatory-milestones-table thead th:nth-child(2) {\n    width: 25%;\n  }\n\n  .tu-mutualist-regulatory-milestones-table thead th:nth-child(3) {\n    width: 47%;\n  }\n\n  \/* CORPO *\/\n\n  .tu-mutualist-regulatory-milestones-table tbody td {\n    position: relative;\n\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 12.3px;\n    font-weight: 400;\n    line-height: 1.55;\n  }\n\n  .tu-mutualist-regulatory-milestones-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-regulatory-milestones-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-regulatory-milestones-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* MARCO *\/\n\n  .tu-mutualist-regulatory-milestones-table tbody td:first-child {\n    padding-left: 19px;\n\n    color: var(--tu-black);\n    font-weight: 700;\n  }\n\n  .tu-mutualist-regulatory-milestones-table tbody td:first-child::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  \/* DATA *\/\n\n  .tu-mutualist-regulatory-milestones-table__date {\n    color: var(--tu-black) !important;\n    font-weight: 600 !important;\n  }\n\n  \/* \u00daLTIMO MARCO *\/\n\n  .tu-mutualist-regulatory-milestones-table tbody tr:last-child td {\n    background: var(--tu-red) !important;\n    color: var(--tu-white) !important;\n\n    border-right-color: rgba(0, 0, 0, .18);\n  }\n\n  .tu-mutualist-regulatory-milestones-table tbody tr:last-child td:first-child {\n    color: var(--tu-white) !important;\n  }\n\n  .tu-mutualist-regulatory-milestones-table tbody tr:last-child td:first-child::before {\n    background: var(--tu-black);\n  }\n\n  .tu-mutualist-regulatory-milestones-table tbody tr:last-child\n  .tu-mutualist-regulatory-milestones-table__date {\n    color: var(--tu-white) !important;\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-mutualist-regulatory-milestones-table {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-regulatory-milestones-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-mutualist-regulatory-milestones-table table,\n    .tu-mutualist-regulatory-milestones-table tbody,\n    .tu-mutualist-regulatory-milestones-table tr,\n    .tu-mutualist-regulatory-milestones-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-mutualist-regulatory-milestones-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody td,\n    .tu-mutualist-regulatory-milestones-table tbody tr:nth-child(even) td {\n      padding: 11px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 12.75px;\n      line-height: 1.5;\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6A6A6A;\n\n      font-size: 9.8px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .035em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody td:first-child {\n      padding: 13px 14px;\n\n      background: var(--tu-red) !important;\n      color: var(--tu-black) !important;\n\n      font-size: 13.4px;\n      font-weight: 700;\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody td:first-child::before {\n      position: static;\n\n      display: block;\n\n      width: auto;\n      height: auto;\n      margin-bottom: 4px;\n\n      background: none;\n\n      color: rgba(0, 0, 0, .65);\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody tr:last-child td {\n      background: var(--tu-red) !important;\n      color: var(--tu-white) !important;\n\n      border-bottom-color: rgba(0, 0, 0, .18);\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody tr:last-child td::before {\n      color: rgba(255, 255, 255, .78);\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody tr:last-child td:first-child {\n      color: var(--tu-white) !important;\n    }\n\n    .tu-mutualist-regulatory-milestones-table tbody tr:last-child\n    .tu-mutualist-regulatory-milestones-table__date {\n      color: var(--tu-white) !important;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-regulatory-milestones-table\">\n\n  <div class=\"tu-mutualist-regulatory-milestones-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Marco<\/th>\n          <th scope=\"col\">Data<\/th>\n          <th scope=\"col\">O que significa<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td data-label=\"Marco\">\n            Fase I \u2014 cadastramento das associa\u00e7\u00f5es\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-milestones-table__date\"\n            data-label=\"Data\"\n          >\n            Encerrada em 15\/07\/2025\n          <\/td>\n\n          <td data-label=\"O que significa\">\n            Associa\u00e7\u00f5es em atividade se cadastraram na Susep e assinaram termo de adequa\u00e7\u00e3o.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Marco\">\n            Fase II \u2014 regulamenta\u00e7\u00e3o\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-milestones-table__date\"\n            data-label=\"Data\"\n          >\n            Conclu\u00edda com a Resolu\u00e7\u00e3o CNSP n\u00ba 491, de 04\/05\/2026\n          <\/td>\n\n          <td data-label=\"O que significa\">\n            Definidos crit\u00e9rios de autoriza\u00e7\u00e3o, capital, provis\u00f5es, rateio, contabilidade e controles.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Marco\">\n            Janela de an\u00e1lise priorit\u00e1ria\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-milestones-table__date\"\n            data-label=\"Data\"\n          >\n            Encerrada em 03\/08\/2026\n          <\/td>\n\n          <td data-label=\"O que significa\">\n            Pedidos de apresenta\u00e7\u00e3o t\u00e9cnica recebidos nesse per\u00edodo t\u00eam an\u00e1lise priorit\u00e1ria.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Marco\">\n            Fase III \u2014 regularidade\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-milestones-table__date\"\n            data-label=\"Data\"\n          >\n            Prazo final indicado pela Susep: 07\/05\/2028\n          <\/td>\n\n          <td data-label=\"O que significa\">\n            A associa\u00e7\u00e3o se torna regular ao apresentar contrato com administradora autorizada.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Esse desenho muda o objeto do software. O sistema de uma associa\u00e7\u00e3o foi constru\u00eddo para cadastrar associados, emitir boletos, acionar assist\u00eancia e registrar ocorr\u00eancias. O sistema de uma administradora precisa fazer isso e, ao mesmo tempo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Manter uma contabilidade separada por grupo.<\/li>\n\n\n\n<li>Calcular provis\u00f5es t\u00e9cnicas.<\/li>\n\n\n\n<li>Apurar o rateio dentro de um prazo fixo.<\/li>\n\n\n\n<li>Discriminar cada parcela cobrada.<\/li>\n\n\n\n<li>Produzir, sob demanda, relat\u00f3rios t\u00e9cnicos assinados por atu\u00e1rio.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00e3o camadas diferentes de responsabilidade sobre o mesmo dado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que um sistema para administradora de prote\u00e7\u00e3o patrimonial mutualista precisa sustentar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para quem est\u00e1 desenhando ou avaliando um sistema, a leitura \u00fatil da Resolu\u00e7\u00e3o CNSP n\u00ba 491\/2026 \u00e9 traduzir cada artigo em comportamento esperado do software. A tabela abaixo re\u00fane os pontos com maior impacto sobre arquitetura e modelo de dados.<\/p>\n\n\n\n<style>\n  .tu-mutualist-regulatory-requirements-table,\n  .tu-mutualist-regulatory-requirements-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-regulatory-requirements-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #333333;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-regulatory-requirements-table__container {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-mutualist-regulatory-requirements-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-mutualist-regulatory-requirements-table th,\n  .tu-mutualist-regulatory-requirements-table td {\n    padding: 14px 13px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-mutualist-regulatory-requirements-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, .15);\n\n    font-size: 11.8px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-mutualist-regulatory-requirements-table thead th:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-regulatory-requirements-table thead th:nth-child(1) {\n    width: 42%;\n  }\n\n  .tu-mutualist-regulatory-requirements-table thead th:nth-child(2) {\n    width: 13%;\n  }\n\n  .tu-mutualist-regulatory-requirements-table thead th:nth-child(3) {\n    width: 45%;\n  }\n\n  \/* CORPO *\/\n\n  .tu-mutualist-regulatory-requirements-table tbody td {\n    position: relative;\n\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 12.15px;\n    font-weight: 400;\n    line-height: 1.54;\n  }\n\n  .tu-mutualist-regulatory-requirements-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-regulatory-requirements-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-regulatory-requirements-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* EXIG\u00caNCIA *\/\n\n  .tu-mutualist-regulatory-requirements-table tbody td:first-child {\n    padding-left: 18px;\n\n    color: var(--tu-black);\n    font-weight: 600;\n  }\n\n  .tu-mutualist-regulatory-requirements-table tbody td:first-child::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  \/* ARTIGO *\/\n\n  .tu-mutualist-regulatory-requirements-table__article {\n    color: var(--tu-red) !important;\n    font-weight: 700 !important;\n  }\n\n  \/* IMPACTO NO SISTEMA *\/\n\n  .tu-mutualist-regulatory-requirements-table__system {\n    color: var(--tu-black) !important;\n    font-weight: 500 !important;\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-mutualist-regulatory-requirements-table {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-regulatory-requirements-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-mutualist-regulatory-requirements-table table,\n    .tu-mutualist-regulatory-requirements-table tbody,\n    .tu-mutualist-regulatory-requirements-table tr,\n    .tu-mutualist-regulatory-requirements-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-mutualist-regulatory-requirements-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-mutualist-regulatory-requirements-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-mutualist-regulatory-requirements-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-regulatory-requirements-table tbody td,\n    .tu-mutualist-regulatory-requirements-table tbody tr:nth-child(even) td {\n      padding: 11px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 12.75px;\n      line-height: 1.5;\n    }\n\n    .tu-mutualist-regulatory-requirements-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-mutualist-regulatory-requirements-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6A6A6A;\n\n      font-size: 9.8px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .035em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-regulatory-requirements-table tbody td:first-child {\n      padding: 13px 14px;\n\n      background: var(--tu-red) !important;\n      color: var(--tu-black) !important;\n\n      font-size: 13.2px;\n      font-weight: 700;\n    }\n\n    .tu-mutualist-regulatory-requirements-table tbody td:first-child::before {\n      position: static;\n\n      display: block;\n\n      width: auto;\n      height: auto;\n      margin-bottom: 4px;\n\n      background: none;\n\n      color: rgba(0, 0, 0, .65);\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-regulatory-requirements-table__article {\n      color: var(--tu-red) !important;\n      font-size: 13px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-regulatory-requirements-table\">\n\n  <div class=\"tu-mutualist-regulatory-requirements-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Exig\u00eancia regulat\u00f3ria<\/th>\n          <th scope=\"col\">Onde est\u00e1<\/th>\n          <th scope=\"col\">O que o sistema precisa sustentar<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Escritura\u00e7\u00e3o de cada grupo segregada da contabilidade da administradora;\n            demonstra\u00e7\u00f5es financeiras pr\u00f3prias por grupo, enviadas \u00e0 Susep e publicadas\n            no site da administradora.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 94\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Plano de contas e fechamento cont\u00e1bil por grupo, com CNPJ pr\u00f3prio, e n\u00e3o\n            rateio de centro de custo dentro de uma contabilidade \u00fanica.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Provis\u00e3o de Eventos a Liquidar (PEL) e Provis\u00e3o de Eventos Ocorridos e N\u00e3o\n            Avisados (PEONA), com data-base no \u00faltimo dia de cada m\u00eas.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 63 a 66\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            C\u00e1lculo mensal por grupo, com hist\u00f3rico audit\u00e1vel de avisos, estimativas e\n            baixas por liquida\u00e7\u00e3o financeira.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Per\u00edodo de rateio limitado a tr\u00eas meses; apura\u00e7\u00e3o conclu\u00edda em at\u00e9 cinco dias\n            ap\u00f3s a data-base.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 67\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Fechamento com trava de prazo, consolidando eventos, despesas, salvados,\n            ressarcimentos, resultado financeiro e ajustes de per\u00edodos anteriores.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Contribui\u00e7\u00e3o composta por taxa de administra\u00e7\u00e3o, custo do rateio e contribui\u00e7\u00e3o\n            mensal de estabiliza\u00e7\u00e3o, discriminadas no documento de cobran\u00e7a.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 70\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Cobran\u00e7a com decomposi\u00e7\u00e3o expl\u00edcita por parcela, inclusive separando a parte\n            da estabiliza\u00e7\u00e3o que vai ao patrim\u00f4nio l\u00edquido do grupo.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Patrim\u00f4nio l\u00edquido do grupo usado exclusivamente para mitigar oscila\u00e7\u00e3o de\n            rateio; redu\u00e7\u00e3o obrigat\u00f3ria das contribui\u00e7\u00f5es quando o saldo excede tr\u00eas\n            meses de arrecada\u00e7\u00e3o.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 69, \u00a7\u00a7 6\u00ba e 7\u00ba\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Controle de saldo por grupo com regra autom\u00e1tica de gatilho e registro do\n            crit\u00e9rio aplicado.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Resgate ao participante desligado em at\u00e9 vinte dias ap\u00f3s a apura\u00e7\u00e3o do \u00faltimo\n            rateio, considerando tempo de perman\u00eancia, garantias e contribui\u00e7\u00f5es.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 69, \u00a7 8\u00ba\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Mem\u00f3ria de c\u00e1lculo individual reconstitu\u00edvel, por participante e por per\u00edodo.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Resposta ao pedido de ades\u00e3o em at\u00e9 dez dias; entrega do contrato de\n            participa\u00e7\u00e3o em at\u00e9 vinte e quatro horas da ades\u00e3o.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 33 e 35\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Workflow de aceita\u00e7\u00e3o com prazos controlados e emiss\u00e3o documental versionada.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Prazo m\u00e1ximo de noventa dias para regula\u00e7\u00e3o e liquida\u00e7\u00e3o do evento coberto.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 22\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Rel\u00f3gio por sinistro a partir da entrega da documenta\u00e7\u00e3o, com alerta e trilha\n            de decis\u00e3o.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Todas as vers\u00f5es do contrato de participa\u00e7\u00e3o dispon\u00edveis para consulta p\u00fablica\n            no site da administradora, com vers\u00e3o e per\u00edodo de ades\u00f5es.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 29\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Versionamento contratual public\u00e1vel, vinculado a associa\u00e7\u00e3o e grupo.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Exig\u00eancia regulat\u00f3ria\">\n            Registro das opera\u00e7\u00f5es e identifica\u00e7\u00e3o do participante e do contrato pelo\n            prazo previsto na norma.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__article\"\n            data-label=\"Onde est\u00e1\"\n          >\n            Art. 62\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-regulatory-requirements-table__system\"\n            data-label=\"O que o sistema precisa sustentar\"\n          >\n            Reten\u00e7\u00e3o e recupera\u00e7\u00e3o de hist\u00f3rico, inclusive de contratos n\u00e3o mais comercializados.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">A segrega\u00e7\u00e3o por grupo \u00e9 o requisito que mais quebra sistema adaptado<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre todas as exig\u00eancias, a segrega\u00e7\u00e3o patrimonial por grupo \u00e9 a que menos aceita adapta\u00e7\u00e3o. Um sistema que trata o grupo como categoria, filtro ou centro de custo consegue produzir relat\u00f3rios gerenciais. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O que ele n\u00e3o produz \u00e9 uma demonstra\u00e7\u00e3o financeira pr\u00f3pria por grupo, com balan\u00e7o patrimonial, demonstra\u00e7\u00e3o de resultado, muta\u00e7\u00e3o do patrim\u00f4nio e parecer de auditor independente \u2014 e \u00e9 isso que a norma pede.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e1 um efeito em cascata. As notas explicativas da administradora devem conter provis\u00f5es t\u00e9cnicas, ativos, ativos garantidores, ativos redutores e patrim\u00f4nio l\u00edquido <strong>de cada grupo<\/strong> sob gest\u00e3o. Os ativos garantidores precisam estar registrados ou custodiados em contas espec\u00edficas e individualizadas, vinculadas \u00e0 Susep.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se a base de dados n\u00e3o distingue o grupo como entidade cont\u00e1bil desde a modelagem, a reconcilia\u00e7\u00e3o passa a depender de planilha e de conhecimento concentrado em poucas pessoas. \u00c9 exatamente o tipo de depend\u00eancia que a auditoria operacional anual vai examinar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esse \u00e9 um problema cl\u00e1ssico de <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/integracao-de-sistemas-empresariais\/\" target=\"_blank\" rel=\"noreferrer noopener\">integra\u00e7\u00e3o entre sistemas<\/a><\/strong> e de modelo de dados, n\u00e3o de funcionalidade de tela.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prazos curtos exigem dado pronto, n\u00e3o relat\u00f3rio sob encomenda<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quando a Susep solicitar, a Resolu\u00e7\u00e3o 491 estabelece prazos para a entrega de informa\u00e7\u00e3o:<\/p>\n\n\n\n<style>\n  .tu-mutualist-information-deadlines-table,\n  .tu-mutualist-information-deadlines-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-information-deadlines-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #333333;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-information-deadlines-table__container {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-mutualist-information-deadlines-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-mutualist-information-deadlines-table th,\n  .tu-mutualist-information-deadlines-table td {\n    padding: 15px 16px;\n\n    vertical-align: middle;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-mutualist-information-deadlines-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, .15);\n\n    font-size: 12px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-mutualist-information-deadlines-table thead th:first-child {\n    width: 72%;\n  }\n\n  .tu-mutualist-information-deadlines-table thead th:last-child {\n    width: 28%;\n    border-right: 0;\n  }\n\n  \/* CORPO *\/\n\n  .tu-mutualist-information-deadlines-table tbody td {\n    position: relative;\n\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 12.4px;\n    font-weight: 400;\n    line-height: 1.52;\n  }\n\n  .tu-mutualist-information-deadlines-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-information-deadlines-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-information-deadlines-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* INFORMA\u00c7\u00c3O *\/\n\n  .tu-mutualist-information-deadlines-table tbody td:first-child {\n    padding-left: 20px;\n\n    color: var(--tu-black);\n    font-weight: 600;\n  }\n\n  .tu-mutualist-information-deadlines-table tbody td:first-child::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  \/* PRAZO *\/\n\n  .tu-mutualist-information-deadlines-table__deadline {\n    color: var(--tu-red) !important;\n    font-size: 13.5px !important;\n    font-weight: 700 !important;\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-mutualist-information-deadlines-table {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-information-deadlines-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-mutualist-information-deadlines-table table,\n    .tu-mutualist-information-deadlines-table tbody,\n    .tu-mutualist-information-deadlines-table tr,\n    .tu-mutualist-information-deadlines-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-mutualist-information-deadlines-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-mutualist-information-deadlines-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-mutualist-information-deadlines-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-information-deadlines-table tbody td,\n    .tu-mutualist-information-deadlines-table tbody tr:nth-child(even) td {\n      padding: 11px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 12.75px;\n      line-height: 1.5;\n    }\n\n    .tu-mutualist-information-deadlines-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-mutualist-information-deadlines-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6A6A6A;\n\n      font-size: 9.8px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .035em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-information-deadlines-table tbody td:first-child {\n      padding: 13px 14px;\n\n      background: var(--tu-red) !important;\n      color: var(--tu-black) !important;\n\n      font-size: 13.2px;\n      font-weight: 700;\n    }\n\n    .tu-mutualist-information-deadlines-table tbody td:first-child::before {\n      position: static;\n\n      display: block;\n\n      width: auto;\n      height: auto;\n      margin-bottom: 4px;\n\n      background: none;\n\n      color: rgba(0, 0, 0, .65);\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-information-deadlines-table__deadline {\n      color: var(--tu-red) !important;\n      font-size: 13.2px !important;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-information-deadlines-table\">\n\n  <div class=\"tu-mutualist-information-deadlines-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Informa\u00e7\u00e3o<\/th>\n          <th scope=\"col\">Prazo de entrega<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td data-label=\"Informa\u00e7\u00e3o\">\n            Nota t\u00e9cnica atuarial com a metodologia de provis\u00f5es\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-information-deadlines-table__deadline\"\n            data-label=\"Prazo de entrega\"\n          >\n            5 dias \u00fateis\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Informa\u00e7\u00e3o\">\n            Relat\u00f3rio detalhado de cada apura\u00e7\u00e3o de rateio\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-information-deadlines-table__deadline\"\n            data-label=\"Prazo de entrega\"\n          >\n            5 dias\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Informa\u00e7\u00e3o\">\n            Valores dos limites de reten\u00e7\u00e3o\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-information-deadlines-table__deadline\"\n            data-label=\"Prazo de entrega\"\n          >\n            5 dias\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Informa\u00e7\u00e3o\">\n            Estudo atuarial de direitos receb\u00edveis de rateio\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-information-deadlines-table__deadline\"\n            data-label=\"Prazo de entrega\"\n          >\n            15 dias\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Informa\u00e7\u00e3o\">\n            Segrega\u00e7\u00e3o de ativos de seguro e resseguro redutores, por grupo,\n            por seguradora e por resseguradora\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-information-deadlines-table__deadline\"\n            data-label=\"Prazo de entrega\"\n          >\n            15 dias\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Nenhum desses prazos \u00e9 generoso para uma opera\u00e7\u00e3o que precise reconstruir o n\u00famero a partir de extra\u00e7\u00f5es manuais. O requisito real \u00e9 que o dado j\u00e1 exista estruturado e rastre\u00e1vel at\u00e9 a origem, com a mem\u00f3ria de c\u00e1lculo preservada.<\/p>\n\n\n\n<style>\n  .tu-mutualist-checklist-cta,\n  .tu-mutualist-checklist-cta * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-checklist-cta {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 22px;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 21px 22px;\n\n    background: #FFFFFF;\n    border: 2px solid #DD4E4B;\n    border-radius: 4px 16px 16px 16px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-checklist-cta__content {\n    display: flex;\n    align-items: flex-start;\n    gap: 13px;\n\n    min-width: 0;\n  }\n\n  .tu-mutualist-checklist-cta__marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 36px;\n    width: 36px;\n    height: 36px;\n\n    background: #DD4E4B;\n    border-radius: 50%;\n\n    color: #FFFFFF;\n    font-size: 14px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-mutualist-checklist-cta__text {\n    min-width: 0;\n  }\n\n  .tu-mutualist-checklist-cta__text strong {\n    display: block;\n    margin: 0 0 5px;\n\n    color: #000000;\n    font-size: 14.8px;\n    font-weight: 700;\n    line-height: 1.45;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-checklist-cta__text p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    max-width: 820px;\n\n    color: #3D3D3D !important;\n    font-size: 13.1px;\n    font-weight: 400;\n    line-height: 1.6;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-checklist-cta__button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n\n    flex: 0 0 auto;\n\n    min-height: 42px;\n    padding: 10px 16px;\n\n    background: #DD4E4B;\n    border: 1px solid #DD4E4B;\n    border-radius: 8px;\n\n    color: #FFFFFF !important;\n    text-decoration: none !important;\n\n    font-size: 12.6px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    transition:\n      background-color .2s ease,\n      border-color .2s ease,\n      color .2s ease,\n      transform .2s ease;\n  }\n\n  .tu-mutualist-checklist-cta__button::after {\n    content: \"\u2192\";\n    font-size: 15px;\n    line-height: 1;\n  }\n\n  .tu-mutualist-checklist-cta__button:hover,\n  .tu-mutualist-checklist-cta__button:focus {\n    background: #000000;\n    border-color: #000000;\n\n    color: #FFFFFF !important;\n    text-decoration: none !important;\n  }\n\n  .tu-mutualist-checklist-cta__button:focus-visible {\n    outline: 2px solid #000000;\n    outline-offset: 3px;\n  }\n\n  @media (hover: hover) and (pointer: fine) {\n    .tu-mutualist-checklist-cta__button:hover {\n      transform: translateY(-1px);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-mutualist-checklist-cta {\n      flex-direction: column;\n      align-items: flex-start;\n      gap: 15px;\n\n      margin: 20px 0;\n      padding: 18px 17px;\n\n      border-radius: 4px 14px 14px 14px;\n    }\n\n    .tu-mutualist-checklist-cta__marker {\n      flex-basis: 32px;\n      width: 32px;\n      height: 32px;\n\n      font-size: 13px;\n    }\n\n    .tu-mutualist-checklist-cta__text strong {\n      font-size: 14.2px;\n    }\n\n    .tu-mutualist-checklist-cta__text p {\n      font-size: 12.8px;\n    }\n\n    .tu-mutualist-checklist-cta__button {\n      width: 100%;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-checklist-cta\">\n\n  <div class=\"tu-mutualist-checklist-cta__content\">\n\n    <span\n      class=\"tu-mutualist-checklist-cta__marker\"\n      aria-hidden=\"true\"\n    >\n      \u2713\n    <\/span>\n\n    <div class=\"tu-mutualist-checklist-cta__text\">\n\n      <strong>\n        Antes de avan\u00e7ar para as alternativas, confira a cobertura atual do projeto.\n      <\/strong>\n\n      <p>\n        Use o checklist do artigo para verificar quais exig\u00eancias regulat\u00f3rias e operacionais\n        o sistema j\u00e1 sustenta \u2014 e onde ainda existem lacunas de processo, registro ou controle.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n  <a\n    class=\"tu-mutualist-checklist-cta__button\"\n    href=\"https:\/\/claude.ai\/chat\/9d27b05d-cdf8-432a-a7a0-bbe9069e6e57#checklist-sistema-ppm\"\n    aria-label=\"Usar o checklist do artigo para verificar quais exig\u00eancias o projeto de sistema j\u00e1 cobre\"\n  >\n    Ver checklist\n  <\/a>\n\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Seguran\u00e7a cibern\u00e9tica e prote\u00e7\u00e3o de dados entraram como obriga\u00e7\u00e3o expl\u00edcita<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O Art. 106 lista onze frentes de controle que a administradora deve manter:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seguran\u00e7a f\u00edsica.<\/li>\n\n\n\n<li>Controle de acesso.<\/li>\n\n\n\n<li>Criptografia.<\/li>\n\n\n\n<li>Prote\u00e7\u00e3o contra software malicioso.<\/li>\n\n\n\n<li>Backup.<\/li>\n\n\n\n<li>Registro de logs de atividades de usu\u00e1rios e falhas.<\/li>\n\n\n\n<li>Prote\u00e7\u00e3o de redes.<\/li>\n\n\n\n<li>Desenvolvimento e aquisi\u00e7\u00e3o de sistemas.<\/li>\n\n\n\n<li>Identifica\u00e7\u00e3o de vulnerabilidades.<\/li>\n\n\n\n<li>Resposta a incidentes.<\/li>\n\n\n\n<li>Terceiriza\u00e7\u00e3o de processamento e armazenamento de dados, inclusive nuvem.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dois pontos merecem aten\u00e7\u00e3o de quem contrata tecnologia. O primeiro: o plano de resposta a incidentes precisa prever comunica\u00e7\u00e3o com associa\u00e7\u00f5es contratantes e participantes. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O segundo: os contratos de terceiriza\u00e7\u00e3o, salvo os de ades\u00e3o, devem prever expressamente que o prestador adote controles n\u00e3o inferiores aos da pr\u00f3pria administradora e que garanta \u00e0 Susep acesso de consulta aos dados e aos servi\u00e7os prestados. Isso \u00e9 cl\u00e1usula contratual com o fornecedor de software, e precisa ser negociada antes da assinatura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A norma tamb\u00e9m exige que administradoras e associa\u00e7\u00f5es observem a legisla\u00e7\u00e3o de prote\u00e7\u00e3o de dados pessoais em rela\u00e7\u00e3o aos participantes (Art. 48, \u00a7 1\u00ba, VIII). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como a associa\u00e7\u00e3o coleta e repassa dados cadastrais \u00e0 administradora, o fluxo entre os dois sistemas precisa ter finalidade, base legal e responsabilidades definidas. O tema \u00e9 aprofundado em <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/lgpd-nas-empresas\/\" target=\"_blank\" rel=\"noreferrer noopener\">LGPD nas empresas: adequa\u00e7\u00e3o, governan\u00e7a e compliance na pr\u00e1tica<\/a><\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ponto de aten\u00e7\u00e3o: o c\u00e1lculo do rateio tem efeito contratual direto<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A contribui\u00e7\u00e3o mensal de estabiliza\u00e7\u00e3o \u00e9 obrigat\u00f3ria e serve para dar previsibilidade ao participante. Quando o valor arrecadado supera o rateio apurado no m\u00eas, o excedente comp\u00f5e o patrim\u00f4nio l\u00edquido do grupo. Quando fica abaixo, a diferen\u00e7a pode ser coberta por esse patrim\u00f4nio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O detalhe operacional est\u00e1 na comunica\u00e7\u00e3o. Sempre que usar o patrim\u00f4nio l\u00edquido para reduzir a contribui\u00e7\u00e3o, a administradora precisa <strong>informar ao participante<\/strong> o valor total do rateio e a parcela deduzida, com justificativa. E precisa disponibilizar relat\u00f3rio com a metodologia, as vari\u00e1veis e os par\u00e2metros adotados na apura\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se o c\u00e1lculo acontece fora do sistema \u2014 em planilha atuarial isolada, por exemplo \u2014, a opera\u00e7\u00e3o fica com dois problemas simult\u00e2neos:<\/p>\n\n\n\n<style>\n  .tu-mutualist-evidence-gaps,\n  .tu-mutualist-evidence-gaps * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-evidence-gaps {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #383838;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-evidence-gaps__grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 14px;\n\n    width: 100%;\n  }\n\n  .tu-mutualist-evidence-gaps__card {\n    display: grid;\n    grid-template-columns: 34px minmax(0, 1fr);\n    align-items: start;\n    gap: 12px;\n\n    min-width: 0;\n    padding: 18px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-top: 4px solid var(--tu-red);\n    border-radius: 4px 15px 15px 15px;\n  }\n\n  .tu-mutualist-evidence-gaps__card--audit {\n    background: var(--tu-red);\n    border: 2px solid var(--tu-black);\n    border-top-width: 4px;\n  }\n\n  .tu-mutualist-evidence-gaps__marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 30px;\n    height: 30px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 14px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-mutualist-evidence-gaps__card--audit\n  .tu-mutualist-evidence-gaps__marker {\n    background: var(--tu-white);\n    color: var(--tu-red);\n  }\n\n  .tu-mutualist-evidence-gaps__text {\n    margin: 3px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.9px;\n    font-weight: 400;\n    line-height: 1.62;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-evidence-gaps__text strong {\n    color: var(--tu-black);\n    font-weight: 700;\n  }\n\n  .tu-mutualist-evidence-gaps__card--audit\n  .tu-mutualist-evidence-gaps__text,\n  .tu-mutualist-evidence-gaps__card--audit\n  .tu-mutualist-evidence-gaps__text strong {\n    color: var(--tu-white) !important;\n  }\n\n  @media (max-width: 760px) {\n    .tu-mutualist-evidence-gaps__grid {\n      grid-template-columns: 1fr;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .tu-mutualist-evidence-gaps {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-evidence-gaps__grid {\n      gap: 10px;\n    }\n\n    .tu-mutualist-evidence-gaps__card {\n      grid-template-columns: 31px minmax(0, 1fr);\n      gap: 10px;\n\n      padding: 16px 15px;\n\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-evidence-gaps__marker {\n      width: 28px;\n      height: 28px;\n\n      font-size: 13px;\n    }\n\n    .tu-mutualist-evidence-gaps__text {\n      font-size: 12.6px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-evidence-gaps\">\n\n  <div class=\"tu-mutualist-evidence-gaps__grid\">\n\n    <section class=\"tu-mutualist-evidence-gaps__card\">\n\n      <span class=\"tu-mutualist-evidence-gaps__marker\" aria-hidden=\"true\">\n        !\n      <\/span>\n\n      <p class=\"tu-mutualist-evidence-gaps__text\">\n        O dado publicado ao participante\n        <strong>n\u00e3o tem rastro at\u00e9 a origem<\/strong>.\n      <\/p>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-evidence-gaps__card tu-mutualist-evidence-gaps__card--audit\">\n\n      <span class=\"tu-mutualist-evidence-gaps__marker\" aria-hidden=\"true\">\n        !\n      <\/span>\n\n      <p class=\"tu-mutualist-evidence-gaps__text\">\n        A auditoria operacional anual, que avalia expressamente a adequa\u00e7\u00e3o dos\n        rateios e a transpar\u00eancia na apura\u00e7\u00e3o e cobran\u00e7a das contribui\u00e7\u00f5es,\n        <strong>encontra uma lacuna de evid\u00eancia<\/strong>.\n      <\/p>\n\n    <\/section>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A consequ\u00eancia n\u00e3o \u00e9 autom\u00e1tica, mas o risco \u00e9 concreto e evit\u00e1vel na fase de desenho.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compara\u00e7\u00e3o com alternativas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e3o h\u00e1 caminho \u00fanico, e manter parte do cen\u00e1rio atual pode ser a decis\u00e3o correta, dependendo do porte e do prazo do projeto.<\/p>\n\n\n\n<style>\n  .tu-mutualist-alternatives-table,\n  .tu-mutualist-alternatives-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-alternatives-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #333333;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-alternatives-table__container {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-mutualist-alternatives-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-mutualist-alternatives-table th,\n  .tu-mutualist-alternatives-table td {\n    padding: 14px 13px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-mutualist-alternatives-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, .15);\n\n    font-size: 11.8px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-mutualist-alternatives-table thead th:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-alternatives-table thead th:nth-child(1) {\n    width: 18%;\n  }\n\n  .tu-mutualist-alternatives-table thead th:nth-child(2) {\n    width: 20%;\n  }\n\n  .tu-mutualist-alternatives-table thead th:nth-child(3) {\n    width: 21%;\n  }\n\n  .tu-mutualist-alternatives-table thead th:nth-child(4) {\n    width: 20%;\n  }\n\n  .tu-mutualist-alternatives-table thead th:nth-child(5) {\n    width: 21%;\n  }\n\n  \/* CORPO *\/\n\n  .tu-mutualist-alternatives-table tbody td {\n    position: relative;\n\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 12.15px;\n    font-weight: 400;\n    line-height: 1.54;\n  }\n\n  .tu-mutualist-alternatives-table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-alternatives-table tbody td:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-alternatives-table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  \/* PRIMEIRA COLUNA *\/\n\n  .tu-mutualist-alternatives-table tbody td:first-child {\n    padding-left: 18px;\n\n    color: var(--tu-black);\n    font-weight: 700;\n  }\n\n  .tu-mutualist-alternatives-table tbody td:first-child::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0;\n    bottom: 0;\n    left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  \/* CRIT\u00c9RIO PARA AVAN\u00c7AR *\/\n\n  .tu-mutualist-alternatives-table__criterion {\n    color: var(--tu-black) !important;\n    font-weight: 600 !important;\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n    .tu-mutualist-alternatives-table {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-alternatives-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-mutualist-alternatives-table table,\n    .tu-mutualist-alternatives-table tbody,\n    .tu-mutualist-alternatives-table tr,\n    .tu-mutualist-alternatives-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-mutualist-alternatives-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-mutualist-alternatives-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-mutualist-alternatives-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-alternatives-table tbody td,\n    .tu-mutualist-alternatives-table tbody tr:nth-child(even) td {\n      padding: 11px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 12.75px;\n      line-height: 1.5;\n    }\n\n    .tu-mutualist-alternatives-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-mutualist-alternatives-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6A6A6A;\n\n      font-size: 9.8px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: .035em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-alternatives-table tbody td:first-child {\n      padding: 13px 14px;\n\n      background: var(--tu-red) !important;\n      color: var(--tu-black) !important;\n\n      font-size: 13.4px;\n      font-weight: 700;\n    }\n\n    .tu-mutualist-alternatives-table tbody td:first-child::before {\n      position: static;\n\n      display: block;\n\n      width: auto;\n      height: auto;\n      margin-bottom: 4px;\n\n      background: none;\n\n      color: rgba(0, 0, 0, .65);\n\n      content: attr(data-label);\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-alternatives-table\">\n\n  <div class=\"tu-mutualist-alternatives-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Alternativa<\/th>\n          <th scope=\"col\">Quando pode funcionar<\/th>\n          <th scope=\"col\">Limita\u00e7\u00e3o principal<\/th>\n          <th scope=\"col\">Impacto poss\u00edvel<\/th>\n          <th scope=\"col\">Crit\u00e9rio para avan\u00e7ar<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td data-label=\"Alternativa\">\n            Adaptar o sistema atual da associa\u00e7\u00e3o\n          <\/td>\n\n          <td data-label=\"Quando pode funcionar\">\n            Opera\u00e7\u00e3o pequena, com um ou dois grupos, e sistema com modelo de dados j\u00e1 extens\u00edvel.\n          <\/td>\n\n          <td data-label=\"Limita\u00e7\u00e3o principal\">\n            Aus\u00eancia de contabilidade e demonstra\u00e7\u00f5es por grupo; trilha de auditoria geralmente incompleta.\n          <\/td>\n\n          <td data-label=\"Impacto poss\u00edvel\">\n            Reconcilia\u00e7\u00e3o manual recorrente e dificuldade de responder a exig\u00eancias em cinco a quinze dias.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-alternatives-table__criterion\"\n            data-label=\"Crit\u00e9rio para avan\u00e7ar\"\n          >\n            Verificar se o grupo existe como entidade cont\u00e1bil no modelo de dados, n\u00e3o apenas como filtro.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Alternativa\">\n            ERP cont\u00e1bil gen\u00e9rico somado a planilhas atuariais\n          <\/td>\n\n          <td data-label=\"Quando pode funcionar\">\n            Estrutura\u00e7\u00e3o inicial, antes da homologa\u00e7\u00e3o, com volume baixo.\n          <\/td>\n\n          <td data-label=\"Limita\u00e7\u00e3o principal\">\n            C\u00e1lculo de rateio e provis\u00f5es fora do sistema, sem v\u00ednculo com o dado transacional.\n          <\/td>\n\n          <td data-label=\"Impacto poss\u00edvel\">\n            Diverg\u00eancia entre o valor cobrado, o valor contabilizado e o valor publicado.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-alternatives-table__criterion\"\n            data-label=\"Crit\u00e9rio para avan\u00e7ar\"\n          >\n            S\u00f3 considerar como est\u00e1gio tempor\u00e1rio, com data de encerramento definida.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Alternativa\">\n            Adaptar core de seguradora\n          <\/td>\n\n          <td data-label=\"Quando pode funcionar\">\n            Equipe com experi\u00eancia em opera\u00e7\u00e3o regulada e core com produto configur\u00e1vel.\n          <\/td>\n\n          <td data-label=\"Limita\u00e7\u00e3o principal\">\n            O core \u00e9 constru\u00eddo sobre ap\u00f3lice e pr\u00eamio; rateio e patrim\u00f4nio de grupo s\u00e3o conceitos ausentes.\n          <\/td>\n\n          <td data-label=\"Impacto poss\u00edvel\">\n            Customiza\u00e7\u00e3o extensa, com custo de manuten\u00e7\u00e3o crescente a cada norma nova.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-alternatives-table__criterion\"\n            data-label=\"Crit\u00e9rio para avan\u00e7ar\"\n          >\n            Avaliar se a camada de configura\u00e7\u00e3o permite criar a entidade grupo sem alterar o n\u00facleo.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Alternativa\">\n            Adaptar plataforma de cons\u00f3rcio\n          <\/td>\n\n          <td data-label=\"Quando pode funcionar\">\n            Semelhan\u00e7a estrutural real entre grupo, rateio e administradora.\n          <\/td>\n\n          <td data-label=\"Limita\u00e7\u00e3o principal\">\n            Regras de contempla\u00e7\u00e3o, lance e bem n\u00e3o correspondem a evento coberto, regula\u00e7\u00e3o e liquida\u00e7\u00e3o.\n          <\/td>\n\n          <td data-label=\"Impacto poss\u00edvel\">\n            Reescrita de boa parte da l\u00f3gica de sinistro e provis\u00f5es.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-alternatives-table__criterion\"\n            data-label=\"Crit\u00e9rio para avan\u00e7ar\"\n          >\n            Comparar o modelo de grupo e assembleia com o de rateio e nota t\u00e9cnica atuarial.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Alternativa\">\n            Desenvolvimento sob medida\n          <\/td>\n\n          <td data-label=\"Quando pode funcionar\">\n            Requisitos bem definidos e equipe dispon\u00edvel para sustentar o produto ao longo do tempo.\n          <\/td>\n\n          <td data-label=\"Limita\u00e7\u00e3o principal\">\n            Prazo e custo iniciais maiores; risco de subestimar o esfor\u00e7o cont\u00e1bil e atuarial.\n          <\/td>\n\n          <td data-label=\"Impacto poss\u00edvel\">\n            Atraso na homologa\u00e7\u00e3o se o cronograma n\u00e3o considerar auditoria e testes.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-alternatives-table__criterion\"\n            data-label=\"Crit\u00e9rio para avan\u00e7ar\"\n          >\n            Ter os requisitos regulat\u00f3rios traduzidos antes de iniciar o desenvolvimento.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Alternativa\">\n            Plataforma modular com camada de integra\u00e7\u00e3o\n          <\/td>\n\n          <td data-label=\"Quando pode funcionar\">\n            Quando parte dos componentes j\u00e1 existe e o esfor\u00e7o se concentra na camada espec\u00edfica do mutualismo.\n          <\/td>\n\n          <td data-label=\"Limita\u00e7\u00e3o principal\">\n            Depende da qualidade das interfaces e da governan\u00e7a da integra\u00e7\u00e3o.\n          <\/td>\n\n          <td data-label=\"Impacto poss\u00edvel\">\n            Menor esfor\u00e7o inicial, com depend\u00eancia de fornecedor em pontos cr\u00edticos.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-alternatives-table__criterion\"\n            data-label=\"Crit\u00e9rio para avan\u00e7ar\"\n          >\n            Exigir contrato com as cl\u00e1usulas de terceiriza\u00e7\u00e3o previstas no Art. 106, \u00a7 3\u00ba.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<style>\n  .tu-mutualist-adapt-vs-build-cta,\n  .tu-mutualist-adapt-vs-build-cta * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 22px;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 23px 24px;\n\n    background: #000000;\n    border: 2px solid #DD4E4B;\n    border-radius: 4px 16px 16px 16px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__content {\n    display: flex;\n    align-items: flex-start;\n    gap: 14px;\n\n    min-width: 0;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 36px;\n    width: 36px;\n    height: 36px;\n\n    background: #DD4E4B;\n    border-radius: 50%;\n\n    color: #FFFFFF;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__text {\n    min-width: 0;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__text strong {\n    display: block;\n    margin: 0 0 6px;\n\n    color: #FFFFFF;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1.45;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__text p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    max-width: 820px;\n\n    color: #ECECEC !important;\n    font-size: 13.2px;\n    font-weight: 400;\n    line-height: 1.62;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__text em {\n    color: #FFFFFF;\n    font-style: normal;\n    font-weight: 700;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n\n    flex: 0 0 auto;\n\n    min-height: 42px;\n    padding: 10px 17px;\n\n    background: #DD4E4B;\n    border: 1px solid #DD4E4B;\n    border-radius: 8px;\n\n    color: #FFFFFF !important;\n    text-decoration: none !important;\n\n    font-size: 12.6px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    transition:\n      background-color .2s ease,\n      border-color .2s ease,\n      color .2s ease,\n      transform .2s ease;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__button::after {\n    content: \"\u2192\";\n    font-size: 15px;\n    line-height: 1;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__button:hover,\n  .tu-mutualist-adapt-vs-build-cta__button:focus {\n    background: #FFFFFF;\n    border-color: #FFFFFF;\n\n    color: #000000 !important;\n    text-decoration: none !important;\n  }\n\n  .tu-mutualist-adapt-vs-build-cta__button:focus-visible {\n    outline: 2px solid #FFFFFF;\n    outline-offset: 3px;\n  }\n\n  @media (hover: hover) and (pointer: fine) {\n    .tu-mutualist-adapt-vs-build-cta__button:hover {\n      transform: translateY(-1px);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-mutualist-adapt-vs-build-cta {\n      flex-direction: column;\n      align-items: flex-start;\n      gap: 16px;\n\n      margin: 20px 0;\n      padding: 19px 18px;\n\n      border-radius: 4px 14px 14px 14px;\n    }\n\n    .tu-mutualist-adapt-vs-build-cta__marker {\n      flex-basis: 32px;\n      width: 32px;\n      height: 32px;\n\n      font-size: 14px;\n    }\n\n    .tu-mutualist-adapt-vs-build-cta__text strong {\n      font-size: 14.4px;\n    }\n\n    .tu-mutualist-adapt-vs-build-cta__text p {\n      font-size: 12.8px;\n    }\n\n    .tu-mutualist-adapt-vs-build-cta__button {\n      width: 100%;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-adapt-vs-build-cta\">\n\n  <div class=\"tu-mutualist-adapt-vs-build-cta__content\">\n\n    <span\n      class=\"tu-mutualist-adapt-vs-build-cta__marker\"\n      aria-hidden=\"true\"\n    >\n      \u2192\n    <\/span>\n\n    <div class=\"tu-mutualist-adapt-vs-build-cta__text\">\n\n      <strong>\n        Ficou entre adaptar o que existe e construir a camada espec\u00edfica?\n      <\/strong>\n\n      <p>\n        O ponto de partida \u00e9 separar o que pode ser reaproveitado da arquitetura atual\n        daquilo que precisa nascer preparado para <em>grupo segregado, rateio, provis\u00f5es,\n        rastreabilidade e obriga\u00e7\u00f5es pr\u00f3prias do mutualismo<\/em>.\n      <\/p>\n\n    <\/div>\n\n  <\/div>\n\n  <a\n    class=\"tu-mutualist-adapt-vs-build-cta__button\"\n    href=\"https:\/\/tecnologiaunica.com.br\/contato\/?utm_source=blog&amp;utm_medium=artigo&amp;utm_content=cta-comparativo-sistema-ppm\"\n    aria-label=\"Converse com um especialista da Tecnologia \u00danica sobre quais componentes do cen\u00e1rio atual podem ser aproveitados e onde a estrutura de grupo segregado exige desenvolvimento\"\n  >\n    Comparar o cen\u00e1rio atual\n  <\/a>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">O que costuma dar errado em projetos assim<\/h2>\n\n\n\n<style>\n  .tu-mutualist-execution-risks-table,\n  .tu-mutualist-execution-risks-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-execution-risks-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #333333;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-execution-risks-table__container {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 16px 16px 16px;\n  }\n\n  .tu-mutualist-execution-risks-table table {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-mutualist-execution-risks-table th,\n  .tu-mutualist-execution-risks-table td {\n    padding: 14px 13px;\n\n    vertical-align: top;\n    text-align: left;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-mutualist-execution-risks-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0, 0, 0, .15);\n\n    font-size: 11.8px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-mutualist-execution-risks-table thead th:last-child {\n    border-right: 0;\n  }\n\n  .tu-mutualist-execution-risks-table thead th:nth-child(1) {\n    width: 24%;\n  }\n\n  .tu-mutualist-execution-risks-table thead th:nth-child(2) {\n    width: 23%;\n  }\n\n  .tu-mutualist-execution-risks-table thead th:nth-child(3) {\n    width: 26%;\n  }\n\n  .tu-mutualist-execution-risks-table thead th:nth-child(4) {\n    width: 27%;\n  }\n\n  \/* CORPO *\/\n\n  .tu-mutualist-execution-risks-table tbody td {\n    position: relative;\n\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: 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680px) {\n    .tu-mutualist-execution-risks-table {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-execution-risks-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-mutualist-execution-risks-table table,\n    .tu-mutualist-execution-risks-table tbody,\n    .tu-mutualist-execution-risks-table tr,\n    .tu-mutualist-execution-risks-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-mutualist-execution-risks-table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0, 0, 0, 0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-mutualist-execution-risks-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-mutualist-execution-risks-table tbody tr {\n      overflow: hidden;\n\n      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   color: var(--tu-black) !important;\n\n      font-size: 13.4px;\n      font-weight: 700;\n    }\n\n    .tu-mutualist-execution-risks-table tbody td:first-child::before {\n      position: static;\n\n      display: block;\n\n      width: auto;\n      height: auto;\n      margin-bottom: 4px;\n\n      background: none;\n\n      color: rgba(0, 0, 0, .65);\n\n      content: attr(data-label);\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-execution-risks-table\">\n\n  <div class=\"tu-mutualist-execution-risks-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Erro recorrente ou risco de execu\u00e7\u00e3o<\/th>\n          <th scope=\"col\">Por que acontece<\/th>\n          <th scope=\"col\">Consequ\u00eancia poss\u00edvel<\/th>\n          <th scope=\"col\">Como reduzir o risco<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td data-label=\"Erro recorrente ou risco de execu\u00e7\u00e3o\">\n            Tratar o grupo como atributo, e n\u00e3o como entidade\n          <\/td>\n\n          <td data-label=\"Por que acontece\">\n            O modelo de dados \u00e9 herdado do sistema da associa\u00e7\u00e3o, onde s\u00f3 existia o associado.\n          <\/td>\n\n          <td data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Impossibilidade de gerar demonstra\u00e7\u00f5es financeiras por grupo sem processo manual.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-execution-risks-table__mitigation\"\n            data-label=\"Como reduzir o risco\"\n          >\n            Modelar grupo, participante, contrato de participa\u00e7\u00e3o e item ativo como entidades distintas desde o in\u00edcio.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Erro recorrente ou risco de execu\u00e7\u00e3o\">\n            Manter o c\u00e1lculo de rateio fora do sistema\n          <\/td>\n\n          <td data-label=\"Por que acontece\">\n            A metodologia nasce em planilha atuarial durante a estrutura\u00e7\u00e3o do projeto.\n          <\/td>\n\n          <td data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Diverg\u00eancia entre cobrado, contabilizado e publicado, sem mem\u00f3ria de c\u00e1lculo recuper\u00e1vel.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-execution-risks-table__mitigation\"\n            data-label=\"Como reduzir o risco\"\n          >\n            Incorporar a metodologia da nota t\u00e9cnica ao sistema e versionar cada mudan\u00e7a.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Erro recorrente ou risco de execu\u00e7\u00e3o\">\n            Subestimar o versionamento contratual\n          <\/td>\n\n          <td data-label=\"Por que acontece\">\n            O contrato de participa\u00e7\u00e3o \u00e9 tratado como documento, n\u00e3o como configura\u00e7\u00e3o de produto.\n          <\/td>\n\n          <td data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Comercializa\u00e7\u00e3o de vers\u00e3o n\u00e3o publicada, vedada pelo Art. 29, \u00a7 1\u00ba.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-execution-risks-table__mitigation\"\n            data-label=\"Como reduzir o risco\"\n          >\n            Vincular cada ades\u00e3o \u00e0 vers\u00e3o contratual vigente e publicar todas as vers\u00f5es.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Erro recorrente ou risco de execu\u00e7\u00e3o\">\n            Deixar a seguran\u00e7a cibern\u00e9tica para depois da homologa\u00e7\u00e3o\n          <\/td>\n\n          <td data-label=\"Por que acontece\">\n            A prioridade inicial \u00e9 a autoriza\u00e7\u00e3o e o cronograma comercial.\n          <\/td>\n\n          <td data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Contrato de terceiriza\u00e7\u00e3o sem as cl\u00e1usulas exigidas, com renegocia\u00e7\u00e3o sob press\u00e3o.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-execution-risks-table__mitigation\"\n            data-label=\"Como reduzir o risco\"\n          >\n            Levar os requisitos do Art. 106 para dentro do contrato com o fornecedor antes da assinatura.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td data-label=\"Erro recorrente ou risco de execu\u00e7\u00e3o\">\n            N\u00e3o planejar a portabilidade do grupo\n          <\/td>\n\n          <td data-label=\"Por que acontece\">\n            A transfer\u00eancia entre administradoras parece hip\u00f3tese remota.\n          <\/td>\n\n          <td data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Dificuldade de entregar dados e hist\u00f3rico completos em quinze dias, conforme o Art. 9\u00ba, \u00a7 4\u00ba.\n          <\/td>\n\n          <td\n            class=\"tu-mutualist-execution-risks-table__mitigation\"\n            data-label=\"Como reduzir o risco\"\n          >\n            Definir desde o in\u00edcio o formato de exporta\u00e7\u00e3o completa por grupo.\n          <\/td>\n        <\/tr>\n\n      <\/tbody>\n\n    <\/table>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Checklist: seu sistema cobre as exig\u00eancias operacionais da Resolu\u00e7\u00e3o 491?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O checklist a seguir re\u00fane oito condi\u00e7\u00f5es observ\u00e1veis, extra\u00eddas diretamente da norma. Ele n\u00e3o mede maturidade nem conformidade: serve para identificar rapidamente quais frentes j\u00e1 est\u00e3o cobertas no seu projeto e quais ainda dependem de decis\u00e3o de arquitetura. <\/p>\n\n\n\n<section class=\"tu-ppm-check\" aria-labelledby=\"tu-ppm-check-titulo\">\n  <style>\n    .tu-ppm-check{\n      --tu-ppm-vermelho:#DD4E4B;\n      --tu-ppm-preto:#000000;\n      --tu-ppm-branco:#FFFFFF;\n      --tu-ppm-cinza:#A8A9AC;\n      --tu-ppm-azul:#1B3F53;\n      --tu-ppm-cinza-claro:#F4F4F5;\n      --tu-ppm-raio:16px;\n      font-family:'DM Sans',system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;\n      color:var(--tu-ppm-preto);\n      background:var(--tu-ppm-branco);\n      border:2px solid var(--tu-ppm-preto);\n      border-radius:var(--tu-ppm-raio);\n      padding:28px;\n      margin:32px 0;\n      box-sizing:border-box;\n      line-height:1.55;\n    }\n    .tu-ppm-check *,.tu-ppm-check *::before,.tu-ppm-check *::after{box-sizing:border-box;}\n    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var(--tu-ppm-cinza);border-radius:999px;overflow:hidden;\n    }\n    .tu-ppm-check .tu-ppm-barra i{\n      display:block;height:100%;width:0%;background:var(--tu-ppm-vermelho);\n      transition:width .25s ease;\n    }\n    .tu-ppm-check ul.tu-ppm-lista{list-style:none;margin:0 0 20px;padding:0;}\n    .tu-ppm-check ul.tu-ppm-lista li{margin:0 0 10px;padding:0;}\n    .tu-ppm-check .tu-ppm-item{\n      display:flex;gap:13px;width:100%;text-align:left;cursor:pointer;\n      background:var(--tu-ppm-branco);border:1px solid var(--tu-ppm-cinza);\n      border-radius:12px;padding:14px 16px;font:inherit;color:inherit;\n      min-height:48px;align-items:flex-start;\n    }\n    .tu-ppm-check .tu-ppm-item:hover{border-color:var(--tu-ppm-preto);}\n    .tu-ppm-check .tu-ppm-item:focus-visible{outline:3px solid var(--tu-ppm-vermelho);outline-offset:2px;}\n    .tu-ppm-check .tu-ppm-item[aria-pressed=\"true\"]{\n      border-color:var(--tu-ppm-vermelho);background:#FDF3F3;\n    }\n    .tu-ppm-check .tu-ppm-box{\n      flex:0 0 22px;width:22px;height:22px;margin-top:1px;\n      border:2px solid var(--tu-ppm-preto);border-radius:6px;\n      display:flex;align-items:center;justify-content:center;\n      font-size:14px;font-weight:700;line-height:1;color:var(--tu-ppm-branco);\n    }\n    .tu-ppm-check .tu-ppm-item[aria-pressed=\"true\"] .tu-ppm-box{\n      background:var(--tu-ppm-vermelho);border-color:var(--tu-ppm-vermelho);\n    }\n    .tu-ppm-check .tu-ppm-box::after{content:\"\";}\n    .tu-ppm-check .tu-ppm-item[aria-pressed=\"true\"] .tu-ppm-box::after{content:\"\\2713\";}\n    .tu-ppm-check .tu-ppm-texto{flex:1 1 auto;font-size:15px;}\n    .tu-ppm-check .tu-ppm-texto b{display:block;font-weight:700;margin-bottom:2px;}\n    .tu-ppm-check .tu-ppm-texto small{display:block;font-size:13px;color:var(--tu-ppm-azul);}\n    .tu-ppm-check .tu-ppm-resultado{\n      border:1px solid var(--tu-ppm-cinza);border-left:5px solid var(--tu-ppm-vermelho);\n      border-radius:12px;background:var(--tu-ppm-cinza-claro);\n      padding:16px 18px;margin:0 0 18px;font-size:15px;\n    }\n    .tu-ppm-check .tu-ppm-resultado strong{display:block;margin-bottom:4px;}\n    .tu-ppm-check .tu-ppm-acoes{display:flex;flex-wrap:wrap;gap:12px;align-items:center;}\n    .tu-ppm-check .tu-ppm-cta{\n      display:inline-block;background:var(--tu-ppm-vermelho);color:var(--tu-ppm-branco);\n      text-decoration:none;font-weight:700;font-size:15px;\n      padding:13px 22px;border-radius:999px;border:2px solid var(--tu-ppm-vermelho);\n    }\n    .tu-ppm-check .tu-ppm-cta:hover{background:#c43f3c;border-color:#c43f3c;color:var(--tu-ppm-branco);}\n    .tu-ppm-check .tu-ppm-cta:focus-visible{outline:3px solid var(--tu-ppm-preto);outline-offset:2px;}\n    .tu-ppm-check .tu-ppm-limpar{\n      background:transparent;border:2px solid var(--tu-ppm-preto);color:var(--tu-ppm-preto);\n      font:inherit;font-weight:700;font-size:15px;padding:13px 22px;border-radius:999px;cursor:pointer;\n    }\n    .tu-ppm-check .tu-ppm-limpar:focus-visible{outline:3px solid var(--tu-ppm-vermelho);outline-offset:2px;}\n    .tu-ppm-check .tu-ppm-nota{font-size:13px;color:var(--tu-ppm-azul);margin:18px 0 0;}\n    @media (max-width:520px){\n      .tu-ppm-check{padding:20px;}\n      .tu-ppm-check h3{font-size:20px;}\n      .tu-ppm-check .tu-ppm-acoes{flex-direction:column;align-items:stretch;}\n      .tu-ppm-check .tu-ppm-cta,.tu-ppm-check .tu-ppm-limpar{text-align:center;width:100%;}\n    }\n    @media (prefers-reduced-motion:reduce){\n      .tu-ppm-check .tu-ppm-barra i{transition:none;}\n    }\n  <\/style>\n\n  <span class=\"tu-ppm-eyebrow\">Checklist t\u00e9cnico<\/span>\n  <h3 id=\"tu-ppm-check-titulo\">Seu sistema cobre as exig\u00eancias operacionais da Resolu\u00e7\u00e3o CNSP 491\/2026?<\/h3>\n  <p class=\"tu-ppm-intro\">Marque os itens que o seu projeto de sistema j\u00e1 resolve hoje, sem apoio de planilha ou processo manual. S\u00e3o oito condi\u00e7\u00f5es extra\u00eddas diretamente da norma.<\/p>\n\n  <div class=\"tu-ppm-barra-area\">\n    <p class=\"tu-ppm-contador\">\n      <span data-tu-ppm-contador>0 de 8 itens marcados<\/span>\n      <span data-tu-ppm-status>Nenhum item avaliado ainda<\/span>\n    <\/p>\n    <div class=\"tu-ppm-barra\" role=\"presentation\"><i data-tu-ppm-barra><\/i><\/div>\n  <\/div>\n\n  <ul class=\"tu-ppm-lista\">\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Contabilidade segregada por grupo<\/b><small>Escritura\u00e7\u00e3o e demonstra\u00e7\u00f5es financeiras pr\u00f3prias de cada grupo, com CNPJ individual, separadas da contabilidade da administradora (Art. 94).<\/small><\/span>\n      <\/button>\n    <\/li>\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Provis\u00f5es t\u00e9cnicas calculadas no sistema<\/b><small>PEL e PEONA por grupo, com data-base no \u00faltimo dia de cada m\u00eas e hist\u00f3rico audit\u00e1vel de avisos e baixas (Art. 63 a 66).<\/small><\/span>\n      <\/button>\n    <\/li>\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Apura\u00e7\u00e3o do rateio dentro do prazo<\/b><small>Fechamento conclu\u00eddo em at\u00e9 cinco dias ap\u00f3s a data-base, consolidando eventos, despesas, salvados, recupera\u00e7\u00f5es e ajustes anteriores (Art. 67).<\/small><\/span>\n      <\/button>\n    <\/li>\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Cobran\u00e7a com as tr\u00eas parcelas discriminadas<\/b><small>Taxa de administra\u00e7\u00e3o, contribui\u00e7\u00e3o do rateio e contribui\u00e7\u00e3o mensal de estabiliza\u00e7\u00e3o separadas no documento de cobran\u00e7a (Art. 70).<\/small><\/span>\n      <\/button>\n    <\/li>\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Controle do patrim\u00f4nio l\u00edquido do grupo<\/b><small>Saldo por grupo, gatilho de redu\u00e7\u00e3o de contribui\u00e7\u00e3o e c\u00e1lculo de resgate ao participante desligado em at\u00e9 vinte dias (Art. 69).<\/small><\/span>\n      <\/button>\n    <\/li>\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Prazos de ades\u00e3o e de sinistro monitorados<\/b><small>Resposta ao pedido de ades\u00e3o em dez dias, contrato entregue em vinte e quatro horas e regula\u00e7\u00e3o e liquida\u00e7\u00e3o em at\u00e9 noventa dias (Art. 22, 33 e 35).<\/small><\/span>\n      <\/button>\n    <\/li>\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Versionamento contratual public\u00e1vel<\/b><small>Todas as vers\u00f5es do contrato de participa\u00e7\u00e3o dispon\u00edveis para consulta p\u00fablica, com vers\u00e3o, per\u00edodo de ades\u00f5es, associa\u00e7\u00e3o e grupo (Art. 29).<\/small><\/span>\n      <\/button>\n    <\/li>\n    <li>\n      <button type=\"button\" class=\"tu-ppm-item\" aria-pressed=\"false\">\n        <span class=\"tu-ppm-box\" aria-hidden=\"true\"><\/span>\n        <span class=\"tu-ppm-texto\"><b>Relat\u00f3rios exig\u00edveis prontos para envio<\/b><small>Nota t\u00e9cnica atuarial, relat\u00f3rio de rateio, limites de reten\u00e7\u00e3o e segrega\u00e7\u00e3o de ativos redutores extra\u00edveis nos prazos de cinco a quinze dias.<\/small><\/span>\n      <\/button>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tu-ppm-resultado\" data-tu-ppm-resultado aria-live=\"polite\">\n    <strong>Como ler este checklist<\/strong>\n    Ele conta itens cobertos, n\u00e3o mede maturidade nem conformidade regulat\u00f3ria. Marque os itens acima para ver quais frentes do seu projeto ainda dependem de decis\u00e3o de arquitetura.\n  <\/div>\n\n  <div class=\"tu-ppm-acoes\">\n    <a class=\"tu-ppm-cta\" href=\"https:\/\/tecnologiaunica.com.br\/contato\/?utm_source=blog&amp;utm_medium=artigo&amp;utm_content=cta-checklist-sistema-ppm\">Discutir os itens em aberto com um especialista<\/a>\n    <button type=\"button\" class=\"tu-ppm-limpar\" data-tu-ppm-limpar>Limpar respostas<\/button>\n  <\/div>\n\n  <p class=\"tu-ppm-nota\">Nenhuma resposta \u00e9 enviada ou armazenada. O conte\u00fado permanece leg\u00edvel mesmo sem a intera\u00e7\u00e3o.<\/p>\n\n  <script>\n  (function(){\n    var raiz = document.currentScript && document.currentScript.closest ? document.currentScript.closest('.tu-ppm-check') : null;\n    if(!raiz){\n      var todos = document.querySelectorAll('.tu-ppm-check');\n      raiz = todos[todos.length - 1];\n    }\n    if(!raiz || raiz.getAttribute('data-tu-ppm-pronto') === '1'){ return; }\n    raiz.setAttribute('data-tu-ppm-pronto','1');\n\n    var itens = raiz.querySelectorAll('.tu-ppm-item');\n    var contador = raiz.querySelector('[data-tu-ppm-contador]');\n    var status = raiz.querySelector('[data-tu-ppm-status]');\n    var barra = raiz.querySelector('[data-tu-ppm-barra]');\n    var resultado = raiz.querySelector('[data-tu-ppm-resultado]');\n    var limpar = raiz.querySelector('[data-tu-ppm-limpar]');\n    var total = itens.length;\n\n    var mensagens = [\n      { titulo: 'Como ler este checklist', texto: 'Ele conta itens cobertos, n\u00e3o mede maturidade nem conformidade regulat\u00f3ria. Marque os itens acima para ver quais frentes do seu projeto ainda dependem de decis\u00e3o de arquitetura.' },\n      { titulo: 'Poucos itens cobertos at\u00e9 aqui', texto: 'A maior parte das exig\u00eancias ainda depende de defini\u00e7\u00e3o. Vale come\u00e7ar pelo modelo de dados: se o grupo n\u00e3o existe como entidade cont\u00e1bil, os demais itens tendem a exigir processo manual.' },\n      { titulo: 'Cobertura parcial', texto: 'Parte das exig\u00eancias est\u00e1 resolvida e parte continua em aberto. Priorize os itens ligados a fechamento mensal e apura\u00e7\u00e3o do rateio, que t\u00eam prazo fixo e impacto direto sobre a informa\u00e7\u00e3o entregue ao participante.' },\n      { titulo: 'Cobertura ampla, com pontos a confirmar', texto: 'A maioria das frentes est\u00e1 contemplada. Vale validar se cada item se sustenta sem apoio de planilha e se a mem\u00f3ria de c\u00e1lculo \u00e9 recuper\u00e1vel at\u00e9 a origem do dado.' },\n      { titulo: 'Todos os itens marcados', texto: 'As oito condi\u00e7\u00f5es est\u00e3o cobertas no desenho atual. O passo seguinte costuma ser testar o fechamento mensal de ponta a ponta e revisar as cl\u00e1usulas de terceiriza\u00e7\u00e3o exigidas pelo Art. 106 no contrato com o fornecedor.' }\n    ];\n\n    function faixa(n){\n      if(n === 0){ return 0; }\n      if(n <= 3){ return 1; }\n      if(n <= 5){ return 2; }\n      if(n <= 7){ return 3; }\n      return 4;\n    }\n\n    function atualizar(){\n      var marcados = 0;\n      for(var i = 0; i < total; i++){\n        if(itens[i].getAttribute('aria-pressed') === 'true'){ marcados++; }\n      }\n      contador.textContent = marcados + ' de ' + total + ' itens marcados';\n      status.textContent = marcados === 0 ? 'Nenhum item avaliado ainda' : (total - marcados) + ' item(ns) em aberto';\n      barra.style.width = Math.round((marcados \/ total) * 100) + '%';\n\n      var m = mensagens[faixa(marcados)];\n      resultado.textContent = '';\n      var forte = document.createElement('strong');\n      forte.textContent = m.titulo;\n      resultado.appendChild(forte);\n      resultado.appendChild(document.createTextNode(m.texto));\n    }\n\n    for(var j = 0; j < total; j++){\n      itens[j].addEventListener('click', function(){\n        var ativo = this.getAttribute('aria-pressed') === 'true';\n        this.setAttribute('aria-pressed', ativo ? 'false' : 'true');\n        atualizar();\n      });\n    }\n\n    if(limpar){\n      limpar.addEventListener('click', function(){\n        for(var k = 0; k < total; k++){\n          itens[k].setAttribute('aria-pressed','false');\n        }\n        atualizar();\n        if(itens[0]){ itens[0].focus(); }\n      });\n    }\n\n    atualizar();\n  })();\n  <\/script>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\">Itens n\u00e3o marcados indicam pontos a levar para a pr\u00f3xima reuni\u00e3o t\u00e9cnica do projeto. N\u00e3o s\u00e3o necessariamente um problema, mas uma decis\u00e3o ainda em aberto.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Crit\u00e9rios de decis\u00e3o<\/h2>\n\n\n\n<style>\n  .tu-mutualist-project-criteria,\n  .tu-mutualist-project-criteria * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-project-criteria {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #383838;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-project-criteria__list {\n    display: flex;\n    flex-direction: column;\n    gap: 10px;\n\n    width: 100%;\n  }\n\n  .tu-mutualist-project-criteria__item {\n    display: grid;\n    grid-template-columns: 38px minmax(0, 185px) minmax(0, 1fr);\n    align-items: start;\n    gap: 13px;\n\n    width: 100%;\n    min-width: 0;\n    padding: 17px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-left: 4px solid var(--tu-red);\n    border-radius: 4px 14px 14px 14px;\n  }\n\n  .tu-mutualist-project-criteria__item:nth-child(even) {\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-project-criteria__item.item--scale {\n    display: block;\n    padding: 20px;\n\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-project-criteria__item.item--final {\n    background: var(--tu-red) !important;\n    border-color: var(--tu-black);\n    border-left-color: var(--tu-black);\n  }\n\n  .tu-mutualist-project-criteria__number {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 30px;\n    height: 30px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 9.5px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-mutualist-project-criteria__item.item--final\n  .tu-mutualist-project-criteria__number {\n    background: var(--tu-white);\n    color: var(--tu-red);\n  }\n\n  .tu-mutualist-project-criteria__title {\n    margin: 4px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 14px;\n    font-weight: 700;\n    line-height: 1.42;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-project-criteria__content {\n    min-width: 0;\n  }\n\n  .tu-mutualist-project-criteria__content p {\n    margin: 2px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.85px;\n    font-weight: 400;\n    line-height: 1.62;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-project-criteria__content strong {\n    color: var(--tu-black);\n    font-weight: 700;\n  }\n\n  .tu-mutualist-project-criteria__content a {\n    color: var(--tu-red) !important;\n    font-weight: 700;\n    text-decoration: underline !important;\n    text-decoration-thickness: 1px !important;\n    text-underline-offset: 2px;\n  }\n\n  .tu-mutualist-project-criteria__content a:hover,\n  .tu-mutualist-project-criteria__content a:focus {\n    color: var(--tu-black) !important;\n  }\n\n  .tu-mutualist-project-criteria__item.item--final\n  .tu-mutualist-project-criteria__title,\n  .tu-mutualist-project-criteria__item.item--final\n  .tu-mutualist-project-criteria__content p,\n  .tu-mutualist-project-criteria__item.item--final\n  .tu-mutualist-project-criteria__content strong {\n    color: var(--tu-white) !important;\n  }\n\n  \/* BLOCO DE ESCALA *\/\n\n  .tu-mutualist-project-criteria__scale-header {\n    display: flex;\n    align-items: flex-start;\n    gap: 12px;\n\n    margin-bottom: 15px;\n  }\n\n  .tu-mutualist-project-criteria__scale-copy {\n    min-width: 0;\n  }\n\n  .tu-mutualist-project-criteria__scale-copy .tu-mutualist-project-criteria__title {\n    margin-top: 2px !important;\n  }\n\n  .tu-mutualist-project-criteria__scale-copy p {\n    margin: 5px 0 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.8px;\n    line-height: 1.6;\n  }\n\n  .tu-mutualist-project-criteria__table-wrap {\n    width: 100%;\n    max-width: 100%;\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D9D9D9;\n    border-radius: 4px 13px 13px 13px;\n  }\n\n  .tu-mutualist-project-criteria__table {\n    width: 100%;\n    max-width: 100%;\n    margin: 0 !important;\n\n    border-collapse: separate;\n    border-spacing: 0;\n    table-layout: fixed;\n  }\n\n  .tu-mutualist-project-criteria__table th,\n  .tu-mutualist-project-criteria__table td {\n    padding: 13px 15px;\n\n    text-align: left;\n    vertical-align: middle;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-project-criteria__table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n    border-right: 1px solid rgba(0,0,0,.14);\n\n    font-size: 11.8px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-mutualist-project-criteria__table thead th:first-child {\n    width: 65%;\n  }\n\n  .tu-mutualist-project-criteria__table thead th:last-child {\n    width: 35%;\n    border-right: 0;\n  }\n\n  .tu-mutualist-project-criteria__table tbody td {\n    background: var(--tu-white);\n\n    border-right: 1px solid var(--tu-line);\n    border-bottom: 1px solid var(--tu-line);\n\n    color: var(--tu-text);\n\n    font-size: 12.4px;\n    line-height: 1.5;\n  }\n\n  .tu-mutualist-project-criteria__table tbody tr:nth-child(even) td {\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-project-criteria__table tbody td:first-child {\n    color: var(--tu-black);\n    font-weight: 600;\n  }\n\n  .tu-mutualist-project-criteria__table tbody td:last-child {\n    border-right: 0;\n\n    color: var(--tu-red);\n    font-weight: 700;\n  }\n\n  .tu-mutualist-project-criteria__table tbody tr:last-child td {\n    border-bottom: 0;\n  }\n\n  @media (max-width: 840px) {\n    .tu-mutualist-project-criteria__item {\n      grid-template-columns: 36px minmax(0, 155px) minmax(0, 1fr);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-mutualist-project-criteria {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-project-criteria__item {\n      grid-template-columns: 34px minmax(0, 1fr);\n      gap: 6px 9px;\n\n      padding: 14px;\n\n      border-radius: 4px 12px 12px 12px;\n    }\n\n    .tu-mutualist-project-criteria__number {\n      width: 28px;\n      height: 28px;\n\n      font-size: 9px;\n    }\n\n    .tu-mutualist-project-criteria__title {\n      font-size: 13.5px;\n    }\n\n    .tu-mutualist-project-criteria__content {\n      grid-column: 2;\n    }\n\n    .tu-mutualist-project-criteria__content p {\n      margin-top: 0 !important;\n\n      font-size: 12.55px;\n    }\n\n    .tu-mutualist-project-criteria__item.item--scale {\n      padding: 15px 14px;\n    }\n\n    .tu-mutualist-project-criteria__scale-header {\n      gap: 10px;\n    }\n\n    .tu-mutualist-project-criteria__scale-copy p {\n      font-size: 12.55px;\n    }\n\n    .tu-mutualist-project-criteria__table-wrap {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-mutualist-project-criteria__table,\n    .tu-mutualist-project-criteria__table tbody,\n    .tu-mutualist-project-criteria__table tr,\n    .tu-mutualist-project-criteria__table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-mutualist-project-criteria__table thead {\n      position: absolute;\n\n      width: 1px;\n      height: 1px;\n\n      margin: -1px;\n      padding: 0;\n\n      overflow: hidden;\n\n      clip: rect(0,0,0,0);\n      white-space: nowrap;\n\n      border: 0;\n    }\n\n    .tu-mutualist-project-criteria__table tbody {\n      display: grid;\n      gap: 9px;\n    }\n\n    .tu-mutualist-project-criteria__table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n      border: 1px solid #DCDCDC;\n      border-radius: 4px 11px 11px 11px;\n    }\n\n    .tu-mutualist-project-criteria__table tbody td,\n    .tu-mutualist-project-criteria__table tbody tr:nth-child(even) td {\n      padding: 10px 13px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 12.55px;\n    }\n\n    .tu-mutualist-project-criteria__table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-mutualist-project-criteria__table tbody td::before {\n      display: block;\n\n      margin-bottom: 3px;\n\n      color: #6A6A6A;\n\n      font-size: 9.5px;\n      font-weight: 700;\n      letter-spacing: .035em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-mutualist-project-criteria__table tbody td:first-child {\n      background: var(--tu-red) !important;\n      color: var(--tu-black) !important;\n    }\n\n    .tu-mutualist-project-criteria__table tbody td:first-child::before {\n      color: rgba(0,0,0,.62);\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-project-criteria\">\n\n  <div class=\"tu-mutualist-project-criteria__list\">\n\n    <section class=\"tu-mutualist-project-criteria__item\">\n\n      <span class=\"tu-mutualist-project-criteria__number\" aria-hidden=\"true\">\n        01\n      <\/span>\n\n      <p class=\"tu-mutualist-project-criteria__title\">\n        Prazo\n      <\/p>\n\n      <div class=\"tu-mutualist-project-criteria__content\">\n        <p>\n          A Fase III tem <strong>7 de maio de 2028<\/strong> como marco indicado pela Susep.\n          A autoriza\u00e7\u00e3o da administradora, por\u00e9m, antecede tudo.\n        <\/p>\n\n        <p style=\"margin-top:8px !important;\">\n          Ela come\u00e7a por uma\n          <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/central-de-conteudos\/noticias\/2026\/maio\/orientacoes-para-pedidos-de-autorizacao-de-administradoras-de-protecao-patrimonial-mutualista\">\n            apresenta\u00e7\u00e3o t\u00e9cnica do projeto \u00e0 Susep\n          <\/a>\n          e segue, conforme o\n          <a href=\"https:\/\/conhecerseguros.com.br\/manual-da-susep-detalha-regras-para-autorizacao-de-administradoras-de-protecao-patrimonial-mutualista\/\">\n            manual de orienta\u00e7\u00e3o divulgado pela autarquia\n          <\/a>,\n          por autoriza\u00e7\u00e3o pr\u00e9via, comprova\u00e7\u00e3o de requisitos e homologa\u00e7\u00e3o para in\u00edcio de opera\u00e7\u00e3o.\n          <strong>O sistema precisa estar demonstr\u00e1vel antes da homologa\u00e7\u00e3o, n\u00e3o depois.<\/strong>\n        <\/p>\n      <\/div>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-project-criteria__item\">\n\n      <span class=\"tu-mutualist-project-criteria__number\" aria-hidden=\"true\">\n        02\n      <\/span>\n\n      <p class=\"tu-mutualist-project-criteria__title\">\n        Capacidade interna\n      <\/p>\n\n      <div class=\"tu-mutualist-project-criteria__content\">\n        <p>\n          A norma exige diretores estatut\u00e1rios respons\u00e1veis por controles internos,\n          contabilidade, \u00e1rea t\u00e9cnica e rela\u00e7\u00f5es com a Susep, al\u00e9m de atu\u00e1rio, contador\n          e ouvidor. Se a equipe de tecnologia n\u00e3o tem quem traduza requisito atuarial e\n          cont\u00e1bil em requisito de sistema,\n          <strong>essa lacuna costuma aparecer tarde \u2014 normalmente na auditoria operacional.<\/strong>\n        <\/p>\n      <\/div>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-project-criteria__item item--scale\">\n\n      <div class=\"tu-mutualist-project-criteria__scale-header\">\n\n        <span class=\"tu-mutualist-project-criteria__number\" aria-hidden=\"true\">\n          03\n        <\/span>\n\n        <div class=\"tu-mutualist-project-criteria__scale-copy\">\n\n          <p class=\"tu-mutualist-project-criteria__title\">\n            Escala e geografia\n          <\/p>\n\n          <p>\n            O capital base varia conforme a abrang\u00eancia autorizada:\n          <\/p>\n\n        <\/div>\n\n      <\/div>\n\n      <div class=\"tu-mutualist-project-criteria__table-wrap\">\n\n        <table class=\"tu-mutualist-project-criteria__table\">\n\n          <thead>\n            <tr>\n              <th scope=\"col\">Abrang\u00eancia autorizada<\/th>\n              <th scope=\"col\">Capital base<\/th>\n            <\/tr>\n          <\/thead>\n\n          <tbody>\n\n            <tr>\n              <td data-label=\"Abrang\u00eancia autorizada\">\n                Uma \u00fanica regi\u00e3o geogr\u00e1fica\n              <\/td>\n\n              <td data-label=\"Capital base\">\n                R$ 1,3 milh\u00e3o\n              <\/td>\n            <\/tr>\n\n            <tr>\n              <td data-label=\"Abrang\u00eancia autorizada\">\n                Duas regi\u00f5es geogr\u00e1ficas\n              <\/td>\n\n              <td data-label=\"Capital base\">\n                R$ 2,6 milh\u00f5es\n              <\/td>\n            <\/tr>\n\n            <tr>\n              <td data-label=\"Abrang\u00eancia autorizada\">\n                Atua\u00e7\u00e3o nacional\n              <\/td>\n\n              <td data-label=\"Capital base\">\n                R$ 4 milh\u00f5es\n              <\/td>\n            <\/tr>\n\n          <\/tbody>\n\n        <\/table>\n\n      <\/div>\n\n      <div class=\"tu-mutualist-project-criteria__content\">\n        <p style=\"margin-top:14px !important;\">\n          A esse valor soma-se o capital de risco, calculado sobre as contribui\u00e7\u00f5es\n          dos \u00faltimos doze meses. <strong>Um projeto regional e um projeto nacional\n          t\u00eam frames de investimento distintos<\/strong>, e isso deve orientar o escopo do sistema.\n        <\/p>\n      <\/div>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-project-criteria__item\">\n\n      <span class=\"tu-mutualist-project-criteria__number\" aria-hidden=\"true\">\n        04\n      <\/span>\n\n      <p class=\"tu-mutualist-project-criteria__title\">\n        N\u00famero de grupos\n      <\/p>\n\n      <div class=\"tu-mutualist-project-criteria__content\">\n        <p>\n          Com um \u00fanico grupo, quase todas as exig\u00eancias s\u00e3o administr\u00e1veis com apoio manual.\n          Com v\u00e1rios grupos, contratos e vers\u00f5es distintas,\n          <strong>o fechamento mensal se torna invi\u00e1vel sem automa\u00e7\u00e3o.<\/strong>\n        <\/p>\n      <\/div>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-project-criteria__item item--final\">\n\n      <span class=\"tu-mutualist-project-criteria__number\" aria-hidden=\"true\">\n        05\n      <\/span>\n\n      <p class=\"tu-mutualist-project-criteria__title\">\n        Manuten\u00e7\u00e3o\n      <\/p>\n\n      <div class=\"tu-mutualist-project-criteria__content\">\n        <p>\n          A regula\u00e7\u00e3o do segmento \u00e9 nova e tende a ganhar normas complementares da Susep.\n          O crit\u00e9rio relevante n\u00e3o \u00e9 apenas o custo de implantar, mas\n          <strong>quem sustenta a evolu\u00e7\u00e3o do sistema a cada mudan\u00e7a normativa.<\/strong>\n        <\/p>\n      <\/div>\n\n    <\/section>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Como a tecnologia sustenta essa opera\u00e7\u00e3o na pr\u00e1tica<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Os requisitos descritos acima se organizam em quatro camadas. Nenhuma delas \u00e9 exclusiva do mutualismo; o que \u00e9 espec\u00edfico \u00e9 a combina\u00e7\u00e3o.<\/p>\n\n\n\n<style>\n  .tu-mutualist-solution-capabilities,\n  .tu-mutualist-solution-capabilities * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-solution-capabilities {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #383838;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-solution-capabilities__grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 14px;\n\n    width: 100%;\n  }\n\n  .tu-mutualist-solution-capabilities__card {\n    min-width: 0;\n    padding: 20px 18px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-top: 4px solid var(--tu-red);\n    border-radius: 4px 15px 15px 15px;\n  }\n\n  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!important;\n    text-decoration-thickness: 1px !important;\n    text-underline-offset: 2px;\n  }\n\n  .tu-mutualist-solution-capabilities__text a:hover,\n  .tu-mutualist-solution-capabilities__text a:focus {\n    color: var(--tu-black) !important;\n  }\n\n  .tu-mutualist-solution-capabilities__sublist {\n    display: flex;\n    flex-direction: column;\n    gap: 7px;\n\n    margin: 13px 0 0;\n    padding: 0;\n  }\n\n  .tu-mutualist-solution-capabilities__subitem {\n    display: grid;\n    grid-template-columns: 8px minmax(0, 1fr);\n    align-items: start;\n    gap: 8px;\n\n    min-width: 0;\n  }\n\n  .tu-mutualist-solution-capabilities__dot {\n    width: 6px;\n    height: 6px;\n    margin-top: 7px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n  }\n\n  .tu-mutualist-solution-capabilities__subitem p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.55px;\n    font-weight: 500;\n    line-height: 1.55;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__title,\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text,\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text strong {\n    color: var(--tu-white) !important;\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text a {\n    color: var(--tu-white) !important;\n  }\n\n  @media (max-width: 820px) {\n    .tu-mutualist-solution-capabilities__grid {\n      grid-template-columns: 1fr;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .tu-mutualist-solution-capabilities {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-solution-capabilities__grid {\n      gap: 10px;\n    }\n\n    .tu-mutualist-solution-capabilities__card {\n      padding: 17px 15px;\n\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-solution-capabilities__number {\n      flex-basis: 28px;\n      width: 28px;\n      height: 28px;\n\n      font-size: 9px;\n    }\n\n    .tu-mutualist-solution-capabilities__title {\n      font-size: 14.2px;\n    }\n\n    .tu-mutualist-solution-capabilities__text {\n      font-size: 12.55px;\n    }\n\n    .tu-mutualist-solution-capabilities__subitem p {\n      font-size: 12.4px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-solution-capabilities\">\n\n  <div class=\"tu-mutualist-solution-capabilities__grid\">\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          01\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Configura\u00e7\u00e3o de produto e contrato\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        As garantias permitidas s\u00e3o delimitadas: danos patrimoniais de ve\u00edculos\n        terrestres, responsabilidade civil a terceiros decorrente de acidente com\n        o ve\u00edculo protegido e assist\u00eancias relacionadas. As modalidades, franquias,\n        regras de exclus\u00e3o e crit\u00e9rios de indeniza\u00e7\u00e3o, por\u00e9m, variam por grupo e por\n        vers\u00e3o contratual.\n      <\/p>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Isso pede uma camada administrativa que permita\n        <strong>configurar produto sem desenvolvimento a cada ajuste<\/strong>.\n        \u00c9 a mesma l\u00f3gica que sustenta os\n        <a href=\"https:\/\/tecnologiaunica.com.br\/gestao-de-seguros\/\">\n          cotadores parametriz\u00e1veis da Tecnologia \u00danica\n        <\/a>,\n        organizados em tr\u00eas m\u00f3dulos:\n      <\/p>\n\n      <div class=\"tu-mutualist-solution-capabilities__sublist\">\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Configura\u00e7\u00e3o administrativa do produto.<\/p>\n        <\/div>\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Cota\u00e7\u00e3o online, que l\u00ea essas parametriza\u00e7\u00f5es nos canais de venda.<\/p>\n        <\/div>\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Gerenciamento do workflow de aceita\u00e7\u00e3o.<\/p>\n        <\/div>\n\n      <\/div>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          02\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Transfer\u00eancia de risco\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        A administradora pode contratar seguro e resseguro em favor do grupo e \u00e9\n        equiparada \u00e0 cedente para fins da regulamenta\u00e7\u00e3o de resseguro. Al\u00e9m disso,\n        precisa manter, mensalmente e \u00e0 disposi\u00e7\u00e3o da Susep, a segrega\u00e7\u00e3o dos ativos\n        de seguro e resseguro redutores por grupo, por seguradora e por resseguradora.\n        Trata-se de <strong>gest\u00e3o de contratos de transfer\u00eancia de risco com\n        parametriza\u00e7\u00e3o flex\u00edvel<\/strong>.\n      <\/p>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Para seguradoras, essa capacidade \u00e9 atendida pelo <strong>Flexus<\/strong>,\n        sistema de resseguro da Tecnologia \u00danica, com configura\u00e7\u00e3o de diferentes\n        formatos de contrato, c\u00e1lculo de capitais e gest\u00e3o de pagamentos dentro da\n        pr\u00f3pria ferramenta. A ader\u00eancia ao contexto mutualista precisa ser avaliada\n        caso a caso, porque o sistema foi constru\u00eddo sobre a estrutura de ap\u00f3lice e pr\u00eamio.\n      <\/p>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          03\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Arquitetura de integra\u00e7\u00e3o e rastreabilidade\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        \u00c9 a camada que sustenta a segrega\u00e7\u00e3o por grupo e a recupera\u00e7\u00e3o da mem\u00f3ria\n        de c\u00e1lculo. O problema \u00e9 o mesmo de qualquer\n        <a href=\"https:\/\/tecnologiaunica.com.br\/blog\/core-system-de-seguros\/\">\n          core system de seguros\n        <\/a>\n        que precise responder a auditoria e a supervisor, com\n        <strong>a camada adicional da contabilidade por grupo<\/strong>.\n      <\/p>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card tu-mutualist-solution-capabilities__card--highlight\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          04\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Capacidade de sustentar a evolu\u00e7\u00e3o\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Projetos de autoriza\u00e7\u00e3o concorrem com o dia a dia da opera\u00e7\u00e3o. Quando a\n        limita\u00e7\u00e3o est\u00e1 na disponibilidade da equipe, e n\u00e3o na tecnologia, o modelo de\n        <a href=\"https:\/\/tecnologiaunica.com.br\/outsourcing\/\">\n          squads especializados em outsourcing\n        <\/a>\n        permite <strong>dedicar capacidade ao projeto sem parar o restante<\/strong>.\n      <\/p>\n\n    <\/section>\n\n  <\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Para associa\u00e7\u00f5es que hoje operam sobre sistemas antigos, vale uma distin\u00e7\u00e3o. A decis\u00e3o sobre o sistema da futura administradora e a decis\u00e3o sobre a <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/modernizacao-de-sistemas-legados\/\" target=\"_blank\" rel=\"noreferrer noopener\">moderniza\u00e7\u00e3o dos sistemas legados<\/a><\/strong> da associa\u00e7\u00e3o s\u00e3o projetos diferentes, com donos e cronogramas diferentes. Trat\u00e1-los como um s\u00f3 costuma atrasar os dois.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><\/blockquote>\n\n\n\n<style>\n  .tu-mutualist-solution-capabilities,\n  .tu-mutualist-solution-capabilities * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-solution-capabilities {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #383838;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-solution-capabilities__grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 14px;\n\n    width: 100%;\n  }\n\n  .tu-mutualist-solution-capabilities__card {\n    min-width: 0;\n    padding: 20px 18px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-top: 4px solid var(--tu-red);\n    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.tu-mutualist-solution-capabilities__title {\n    margin: 4px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 14.8px;\n    font-weight: 700;\n    line-height: 1.42;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-solution-capabilities__text {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.8px;\n    font-weight: 400;\n    line-height: 1.62;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-solution-capabilities__text + .tu-mutualist-solution-capabilities__text {\n    margin-top: 10px !important;\n  }\n\n  .tu-mutualist-solution-capabilities__text strong {\n    color: var(--tu-black);\n    font-weight: 700;\n  }\n\n  .tu-mutualist-solution-capabilities__text a {\n    color: var(--tu-red) !important;\n    font-weight: 700;\n    text-decoration: underline !important;\n    text-decoration-thickness: 1px !important;\n    text-underline-offset: 2px;\n  }\n\n  .tu-mutualist-solution-capabilities__text a:hover,\n  .tu-mutualist-solution-capabilities__text a:focus {\n    color: var(--tu-black) !important;\n  }\n\n  .tu-mutualist-solution-capabilities__sublist {\n    display: flex;\n    flex-direction: column;\n    gap: 7px;\n\n    margin: 13px 0 0;\n    padding: 0;\n  }\n\n  .tu-mutualist-solution-capabilities__subitem {\n    display: grid;\n    grid-template-columns: 8px minmax(0, 1fr);\n    align-items: start;\n    gap: 8px;\n\n    min-width: 0;\n  }\n\n  .tu-mutualist-solution-capabilities__dot {\n    width: 6px;\n    height: 6px;\n    margin-top: 7px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n  }\n\n  .tu-mutualist-solution-capabilities__subitem p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.55px;\n    font-weight: 500;\n    line-height: 1.55;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__title,\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text,\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text strong {\n    color: var(--tu-white) !important;\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text a {\n    color: var(--tu-white) !important;\n  }\n\n  @media (max-width: 820px) {\n    .tu-mutualist-solution-capabilities__grid {\n      grid-template-columns: 1fr;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .tu-mutualist-solution-capabilities {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-solution-capabilities__grid {\n      gap: 10px;\n    }\n\n    .tu-mutualist-solution-capabilities__card {\n      padding: 17px 15px;\n\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-solution-capabilities__number {\n      flex-basis: 28px;\n      width: 28px;\n      height: 28px;\n\n      font-size: 9px;\n    }\n\n    .tu-mutualist-solution-capabilities__title {\n      font-size: 14.2px;\n    }\n\n    .tu-mutualist-solution-capabilities__text {\n      font-size: 12.55px;\n    }\n\n    .tu-mutualist-solution-capabilities__subitem p {\n      font-size: 12.4px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-solution-capabilities\">\n\n  <div class=\"tu-mutualist-solution-capabilities__grid\">\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          01\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Configura\u00e7\u00e3o de produto e contrato\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        As garantias permitidas s\u00e3o delimitadas: danos patrimoniais de ve\u00edculos\n        terrestres, responsabilidade civil a terceiros decorrente de acidente com\n        o ve\u00edculo protegido e assist\u00eancias relacionadas. As modalidades, franquias,\n        regras de exclus\u00e3o e crit\u00e9rios de indeniza\u00e7\u00e3o, por\u00e9m, variam por grupo e por\n        vers\u00e3o contratual.\n      <\/p>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Isso pede uma camada administrativa que permita\n        <strong>configurar produto sem desenvolvimento a cada ajuste<\/strong>.\n        \u00c9 a mesma l\u00f3gica que sustenta os\n        <a href=\"https:\/\/tecnologiaunica.com.br\/gestao-de-seguros\/\">\n          cotadores parametriz\u00e1veis da Tecnologia \u00danica\n        <\/a>,\n        organizados em tr\u00eas m\u00f3dulos:\n      <\/p>\n\n      <div class=\"tu-mutualist-solution-capabilities__sublist\">\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Configura\u00e7\u00e3o administrativa do produto.<\/p>\n        <\/div>\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Cota\u00e7\u00e3o online, que l\u00ea essas parametriza\u00e7\u00f5es nos canais de venda.<\/p>\n        <\/div>\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Gerenciamento do workflow de aceita\u00e7\u00e3o.<\/p>\n        <\/div>\n\n      <\/div>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          02\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Transfer\u00eancia de risco\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        A administradora pode contratar seguro e resseguro em favor do grupo e \u00e9\n        equiparada \u00e0 cedente para fins da regulamenta\u00e7\u00e3o de resseguro. Al\u00e9m disso,\n        precisa manter, mensalmente e \u00e0 disposi\u00e7\u00e3o da Susep, a segrega\u00e7\u00e3o dos ativos\n        de seguro e resseguro redutores por grupo, por seguradora e por resseguradora.\n        Trata-se de <strong>gest\u00e3o de contratos de transfer\u00eancia de risco com\n        parametriza\u00e7\u00e3o flex\u00edvel<\/strong>.\n      <\/p>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Para seguradoras, essa capacidade \u00e9 atendida pelo <strong>Flexus<\/strong>,\n        sistema de resseguro da Tecnologia \u00danica, com configura\u00e7\u00e3o de diferentes\n        formatos de contrato, c\u00e1lculo de capitais e gest\u00e3o de pagamentos dentro da\n        pr\u00f3pria ferramenta. A ader\u00eancia ao contexto mutualista precisa ser avaliada\n        caso a caso, porque o sistema foi constru\u00eddo sobre a estrutura de ap\u00f3lice e pr\u00eamio.\n      <\/p>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          03\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Arquitetura de integra\u00e7\u00e3o e rastreabilidade\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        \u00c9 a camada que sustenta a segrega\u00e7\u00e3o por grupo e a recupera\u00e7\u00e3o da mem\u00f3ria\n        de c\u00e1lculo. O problema \u00e9 o mesmo de qualquer\n        <a href=\"https:\/\/tecnologiaunica.com.br\/blog\/core-system-de-seguros\/\">\n          core system de seguros\n        <\/a>\n        que precise responder a auditoria e a supervisor, com\n        <strong>a camada adicional da contabilidade por grupo<\/strong>.\n      <\/p>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card tu-mutualist-solution-capabilities__card--highlight\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          04\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Capacidade de sustentar a evolu\u00e7\u00e3o\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Projetos de autoriza\u00e7\u00e3o concorrem com o dia a dia da opera\u00e7\u00e3o. Quando a\n        limita\u00e7\u00e3o est\u00e1 na disponibilidade da equipe, e n\u00e3o na tecnologia, o modelo de\n        <a href=\"https:\/\/tecnologiaunica.com.br\/outsourcing\/\">\n          squads especializados em outsourcing\n        <\/a>\n        permite <strong>dedicar capacidade ao projeto sem parar o restante<\/strong>.\n      <\/p>\n\n    <\/section>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Como estruturar o pr\u00f3ximo passo<\/h2>\n\n\n\n<style>\n  .tu-mutualist-solution-capabilities,\n  .tu-mutualist-solution-capabilities * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-solution-capabilities {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #FFF7F7;\n    --tu-line: #E7E7E7;\n    --tu-text: #383838;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-solution-capabilities__grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 14px;\n\n    width: 100%;\n  }\n\n  .tu-mutualist-solution-capabilities__card {\n    min-width: 0;\n    padding: 20px 18px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-line);\n    border-top: 4px solid var(--tu-red);\n    border-radius: 4px 15px 15px 15px;\n  }\n\n  .tu-mutualist-solution-capabilities__card:nth-child(2) {\n    background: var(--tu-soft);\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight {\n    background: var(--tu-red) !important;\n    border: 2px solid var(--tu-black);\n    border-top-width: 4px;\n  }\n\n  .tu-mutualist-solution-capabilities__header {\n    display: flex;\n    align-items: flex-start;\n    gap: 11px;\n\n    margin-bottom: 11px;\n  }\n\n  .tu-mutualist-solution-capabilities__number {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 30px;\n    width: 30px;\n    height: 30px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n    font-size: 9.5px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__number {\n    background: var(--tu-white);\n    color: var(--tu-red);\n  }\n\n  .tu-mutualist-solution-capabilities__title {\n    margin: 4px 0 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 14.8px;\n    font-weight: 700;\n    line-height: 1.42;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-solution-capabilities__text {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.8px;\n    font-weight: 400;\n    line-height: 1.62;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-solution-capabilities__text + .tu-mutualist-solution-capabilities__text {\n    margin-top: 10px !important;\n  }\n\n  .tu-mutualist-solution-capabilities__text strong {\n    color: var(--tu-black);\n    font-weight: 700;\n  }\n\n  .tu-mutualist-solution-capabilities__text a {\n    color: var(--tu-red) !important;\n    font-weight: 700;\n    text-decoration: underline !important;\n    text-decoration-thickness: 1px !important;\n    text-underline-offset: 2px;\n  }\n\n  .tu-mutualist-solution-capabilities__text a:hover,\n  .tu-mutualist-solution-capabilities__text a:focus {\n    color: var(--tu-black) !important;\n  }\n\n  .tu-mutualist-solution-capabilities__sublist {\n    display: flex;\n    flex-direction: column;\n    gap: 7px;\n\n    margin: 13px 0 0;\n    padding: 0;\n  }\n\n  .tu-mutualist-solution-capabilities__subitem {\n    display: grid;\n    grid-template-columns: 8px minmax(0, 1fr);\n    align-items: start;\n    gap: 8px;\n\n    min-width: 0;\n  }\n\n  .tu-mutualist-solution-capabilities__dot {\n    width: 6px;\n    height: 6px;\n    margin-top: 7px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n  }\n\n  .tu-mutualist-solution-capabilities__subitem p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text) !important;\n    font-size: 12.55px;\n    font-weight: 500;\n    line-height: 1.55;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__title,\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text,\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text strong {\n    color: var(--tu-white) !important;\n  }\n\n  .tu-mutualist-solution-capabilities__card--highlight\n  .tu-mutualist-solution-capabilities__text a {\n    color: var(--tu-white) !important;\n  }\n\n  @media (max-width: 820px) {\n    .tu-mutualist-solution-capabilities__grid {\n      grid-template-columns: 1fr;\n    }\n  }\n\n  @media (max-width: 620px) {\n    .tu-mutualist-solution-capabilities {\n      margin: 20px 0;\n    }\n\n    .tu-mutualist-solution-capabilities__grid {\n      gap: 10px;\n    }\n\n    .tu-mutualist-solution-capabilities__card {\n      padding: 17px 15px;\n\n      border-radius: 4px 13px 13px 13px;\n    }\n\n    .tu-mutualist-solution-capabilities__number {\n      flex-basis: 28px;\n      width: 28px;\n      height: 28px;\n\n      font-size: 9px;\n    }\n\n    .tu-mutualist-solution-capabilities__title {\n      font-size: 14.2px;\n    }\n\n    .tu-mutualist-solution-capabilities__text {\n      font-size: 12.55px;\n    }\n\n    .tu-mutualist-solution-capabilities__subitem p {\n      font-size: 12.4px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-solution-capabilities\">\n\n  <div class=\"tu-mutualist-solution-capabilities__grid\">\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          01\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Configura\u00e7\u00e3o de produto e contrato\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        As garantias permitidas s\u00e3o delimitadas: danos patrimoniais de ve\u00edculos\n        terrestres, responsabilidade civil a terceiros decorrente de acidente com\n        o ve\u00edculo protegido e assist\u00eancias relacionadas. As modalidades, franquias,\n        regras de exclus\u00e3o e crit\u00e9rios de indeniza\u00e7\u00e3o, por\u00e9m, variam por grupo e por\n        vers\u00e3o contratual.\n      <\/p>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Isso pede uma camada administrativa que permita\n        <strong>configurar produto sem desenvolvimento a cada ajuste<\/strong>.\n        \u00c9 a mesma l\u00f3gica que sustenta os\n        <a href=\"https:\/\/tecnologiaunica.com.br\/gestao-de-seguros\/\">\n          cotadores parametriz\u00e1veis da Tecnologia \u00danica\n        <\/a>,\n        organizados em tr\u00eas m\u00f3dulos:\n      <\/p>\n\n      <div class=\"tu-mutualist-solution-capabilities__sublist\">\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Configura\u00e7\u00e3o administrativa do produto.<\/p>\n        <\/div>\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Cota\u00e7\u00e3o online, que l\u00ea essas parametriza\u00e7\u00f5es nos canais de venda.<\/p>\n        <\/div>\n\n        <div class=\"tu-mutualist-solution-capabilities__subitem\">\n          <span class=\"tu-mutualist-solution-capabilities__dot\" aria-hidden=\"true\"><\/span>\n          <p>Gerenciamento do workflow de aceita\u00e7\u00e3o.<\/p>\n        <\/div>\n\n      <\/div>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          02\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Transfer\u00eancia de risco\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        A administradora pode contratar seguro e resseguro em favor do grupo e \u00e9\n        equiparada \u00e0 cedente para fins da regulamenta\u00e7\u00e3o de resseguro. Al\u00e9m disso,\n        precisa manter, mensalmente e \u00e0 disposi\u00e7\u00e3o da Susep, a segrega\u00e7\u00e3o dos ativos\n        de seguro e resseguro redutores por grupo, por seguradora e por resseguradora.\n        Trata-se de <strong>gest\u00e3o de contratos de transfer\u00eancia de risco com\n        parametriza\u00e7\u00e3o flex\u00edvel<\/strong>.\n      <\/p>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Para seguradoras, essa capacidade \u00e9 atendida pelo <strong>Flexus<\/strong>,\n        sistema de resseguro da Tecnologia \u00danica, com configura\u00e7\u00e3o de diferentes\n        formatos de contrato, c\u00e1lculo de capitais e gest\u00e3o de pagamentos dentro da\n        pr\u00f3pria ferramenta. A ader\u00eancia ao contexto mutualista precisa ser avaliada\n        caso a caso, porque o sistema foi constru\u00eddo sobre a estrutura de ap\u00f3lice e pr\u00eamio.\n      <\/p>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          03\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Arquitetura de integra\u00e7\u00e3o e rastreabilidade\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        \u00c9 a camada que sustenta a segrega\u00e7\u00e3o por grupo e a recupera\u00e7\u00e3o da mem\u00f3ria\n        de c\u00e1lculo. O problema \u00e9 o mesmo de qualquer\n        <a href=\"https:\/\/tecnologiaunica.com.br\/blog\/core-system-de-seguros\/\">\n          core system de seguros\n        <\/a>\n        que precise responder a auditoria e a supervisor, com\n        <strong>a camada adicional da contabilidade por grupo<\/strong>.\n      <\/p>\n\n    <\/section>\n\n\n    <section class=\"tu-mutualist-solution-capabilities__card tu-mutualist-solution-capabilities__card--highlight\">\n\n      <div class=\"tu-mutualist-solution-capabilities__header\">\n\n        <span class=\"tu-mutualist-solution-capabilities__number\" aria-hidden=\"true\">\n          04\n        <\/span>\n\n        <p class=\"tu-mutualist-solution-capabilities__title\">\n          Capacidade de sustentar a evolu\u00e7\u00e3o\n        <\/p>\n\n      <\/div>\n\n      <p class=\"tu-mutualist-solution-capabilities__text\">\n        Projetos de autoriza\u00e7\u00e3o concorrem com o dia a dia da opera\u00e7\u00e3o. Quando a\n        limita\u00e7\u00e3o est\u00e1 na disponibilidade da equipe, e n\u00e3o na tecnologia, o modelo de\n        <a href=\"https:\/\/tecnologiaunica.com.br\/outsourcing\/\">\n          squads especializados em outsourcing\n        <\/a>\n        permite <strong>dedicar capacidade ao projeto sem parar o restante<\/strong>.\n      <\/p>\n\n    <\/section>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Conclus\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A decis\u00e3o sobre o sistema de uma administradora de prote\u00e7\u00e3o patrimonial mutualista \u00e9, em boa parte, uma decis\u00e3o de modelo de dados. Quatro condi\u00e7\u00f5es se definem na arquitetura e ficam caras de corrigir depois da homologa\u00e7\u00e3o:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Segrega\u00e7\u00e3o cont\u00e1bil por grupo.<\/li>\n\n\n\n<li>Mem\u00f3ria de c\u00e1lculo do rateio recuper\u00e1vel.<\/li>\n\n\n\n<li>Versionamento contratual.<\/li>\n\n\n\n<li>Capacidade de entregar informa\u00e7\u00e3o \u00e0 Susep em cinco a quinze dias.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">O marco de 7 de maio de 2028 n\u00e3o significa que o sistema possa ser deixado para a etapa final. A autoriza\u00e7\u00e3o da administradora envolve apresenta\u00e7\u00e3o t\u00e9cnica, autoriza\u00e7\u00e3o pr\u00e9via e homologa\u00e7\u00e3o, e a opera\u00e7\u00e3o precisa chegar a essas etapas com processos, dados e responsabilidades estruturados. Por isso, o caminho gradual tende a reduzir o risco de corre\u00e7\u00f5es feitas sob press\u00e3o de cronograma: mapear requisitos, modelar entidades, decidir o que aproveitar, integrar ou construir e testar essas escolhas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se a sua opera\u00e7\u00e3o est\u00e1 estruturando uma administradora ou avaliando como a associa\u00e7\u00e3o vai se conectar a uma, a Tecnologia \u00danica pode apoiar o desenho da arquitetura, as integra\u00e7\u00f5es, a configura\u00e7\u00e3o de produtos e workflows e o desenvolvimento das camadas espec\u00edficas que o projeto exigir.<\/p>\n\n\n\n<style>\n  .tu-mutualist-final-system-cta,\n  .tu-mutualist-final-system-cta * {\n    box-sizing: border-box;\n  }\n\n  .tu-mutualist-final-system-cta {\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 22px;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 23px 24px;\n\n    background: #DD4E4B;\n    border: 2px solid #000000;\n    border-radius: 4px 16px 16px 16px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n  }\n\n  .tu-mutualist-final-system-cta__content {\n    display: flex;\n    align-items: flex-start;\n    gap: 14px;\n\n    min-width: 0;\n  }\n\n  .tu-mutualist-final-system-cta__marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    flex: 0 0 36px;\n    width: 36px;\n    height: 36px;\n\n    background: #FFFFFF;\n    border-radius: 50%;\n\n    color: #DD4E4B;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-mutualist-final-system-cta__text {\n    margin: 3px 0 0 !important;\n    padding: 0 !important;\n\n    max-width: 820px;\n\n    color: #FFFFFF !important;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1.5;\n\n    word-break: normal !important;\n    overflow-wrap: normal !important;\n    hyphens: none !important;\n  }\n\n  .tu-mutualist-final-system-cta__button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 8px;\n\n    flex: 0 0 auto;\n\n    min-height: 42px;\n    padding: 10px 17px;\n\n    background: #FFFFFF;\n    border: 1px solid #FFFFFF;\n    border-radius: 8px;\n\n    color: #000000 !important;\n    text-decoration: none !important;\n\n    font-size: 12.6px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    transition:\n      background-color .2s ease,\n      border-color .2s ease,\n      color .2s ease,\n      transform .2s ease;\n  }\n\n  .tu-mutualist-final-system-cta__button::after {\n    content: \"\u2192\";\n    font-size: 15px;\n    line-height: 1;\n  }\n\n  .tu-mutualist-final-system-cta__button:hover,\n  .tu-mutualist-final-system-cta__button:focus {\n    background: #000000;\n    border-color: #000000;\n\n    color: #FFFFFF !important;\n    text-decoration: none !important;\n  }\n\n  .tu-mutualist-final-system-cta__button:focus-visible {\n    outline: 2px solid #FFFFFF;\n    outline-offset: 3px;\n  }\n\n  @media (hover: hover) and (pointer: fine) {\n    .tu-mutualist-final-system-cta__button:hover {\n      transform: translateY(-1px);\n    }\n  }\n\n  @media (max-width: 680px) {\n    .tu-mutualist-final-system-cta {\n      flex-direction: column;\n      align-items: flex-start;\n      gap: 16px;\n\n      margin: 20px 0;\n      padding: 19px 18px;\n\n      border-radius: 4px 14px 14px 14px;\n    }\n\n    .tu-mutualist-final-system-cta__marker {\n      flex-basis: 32px;\n      width: 32px;\n      height: 32px;\n\n      font-size: 14px;\n    }\n\n    .tu-mutualist-final-system-cta__text {\n      font-size: 14.4px;\n    }\n\n    .tu-mutualist-final-system-cta__button {\n      width: 100%;\n    }\n  }\n<\/style>\n\n<div class=\"tu-mutualist-final-system-cta\">\n\n  <div class=\"tu-mutualist-final-system-cta__content\">\n\n    <span\n      class=\"tu-mutualist-final-system-cta__marker\"\n      aria-hidden=\"true\"\n    >\n      \u2192\n    <\/span>\n\n    <p class=\"tu-mutualist-final-system-cta__text\">\n      Converse com um especialista sobre o que pode ser aproveitado, integrado ou\n    <\/p>\n\n  <\/div>\n\n  <a\n    class=\"tu-mutualist-final-system-cta__button\"\n    href=\"https:\/\/tecnologiaunica.com.br\/contato\/?utm_source=blog&amp;utm_medium=artigo&amp;utm_content=cta-final-sistema-ppm\"\n    aria-label=\"Converse com um especialista\"\n  >\n    Converse com um especialista\n  <\/a>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Perguntas frequentes<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1790342359486\"><strong class=\"schema-faq-question\">Existe sistema pronto para administradora de prote\u00e7\u00e3o patrimonial mutualista?<\/strong> <p class=\"schema-faq-answer\">A categoria regulada \u00e9 recente: foi criada pela LC 213\/2025 e detalhada em maio de 2026. Sistemas de seguradora, de cons\u00f3rcio e de associa\u00e7\u00e3o cobrem partes do problema. Mas a combina\u00e7\u00e3o de patrim\u00f4nio segregado por grupo, rateio peri\u00f3dico e regula\u00e7\u00e3o de sinistro sob supervis\u00e3o da Susep n\u00e3o corresponde exatamente a nenhuma dessas categorias. Na pr\u00e1tica, a avalia\u00e7\u00e3o costuma ser sobre quanto de cada plataforma pode ser aproveitado e quanto precisa ser constru\u00eddo.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790342365839\"><strong class=\"schema-faq-question\">Uma associa\u00e7\u00e3o precisa ter o pr\u00f3prio sistema?<\/strong> <p class=\"schema-faq-answer\">A gest\u00e3o operacional e financeira dos grupos \u00e9 compet\u00eancia privativa da administradora. A associa\u00e7\u00e3o pode desempenhar atividades de apoio operacional definidas no contrato de presta\u00e7\u00e3o de servi\u00e7os, como aconselhamento, coleta de dados cadastrais, aviso de eventos e, mediante delega\u00e7\u00e3o expressa, apoio na regula\u00e7\u00e3o e na subscri\u00e7\u00e3o. O sistema da associa\u00e7\u00e3o passa a ser perif\u00e9rico ao sistema da administradora, e a interface entre os dois \u00e9 um requisito de projeto.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790342376075\"><strong class=\"schema-faq-question\">Quantas administradoras j\u00e1 est\u00e3o autorizadas?<\/strong> <p class=\"schema-faq-answer\">Em setembro de 2026, a Susep informa que n\u00e3o h\u00e1 administradora autorizada a operar. Durante a janela de an\u00e1lise priorit\u00e1ria, encerrada em 3 de agosto de 2026, a autarquia recebeu 63 solicita\u00e7\u00f5es de reuni\u00e3o para apresenta\u00e7\u00e3o t\u00e9cnica. A apresenta\u00e7\u00e3o t\u00e9cnica antecede o protocolo formal do pedido e n\u00e3o representa autoriza\u00e7\u00e3o.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790342394906\"><strong class=\"schema-faq-question\">Um sistema adequado garante a autoriza\u00e7\u00e3o da Susep?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o. A autoriza\u00e7\u00e3o avalia o projeto empresarial, a estrutura societ\u00e1ria, os requisitos de capital, os administradores designados e a viabilidade t\u00e9cnica e econ\u00f4mica. O sistema sustenta a demonstra\u00e7\u00e3o de como a opera\u00e7\u00e3o funcionar\u00e1 e a capacidade de cumprir obriga\u00e7\u00f5es cont\u00ednuas, mas n\u00e3o substitui nenhum desses requisitos.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790342404683\"><strong class=\"schema-faq-question\">O que acontece se a associa\u00e7\u00e3o n\u00e3o apresentar contrato com administradora at\u00e9 7 de maio de 2028?<\/strong> <p class=\"schema-faq-answer\">Pela orienta\u00e7\u00e3o da Susep, a associa\u00e7\u00e3o que n\u00e3o comprovar a contrata\u00e7\u00e3o no prazo ter\u00e1 o cadastro cancelado. Ela n\u00e3o poder\u00e1 atuar com prote\u00e7\u00e3o patrimonial mutualista at\u00e9 efetuar a contrata\u00e7\u00e3o e comunic\u00e1-la pelo sistema eletr\u00f4nico. A norma tamb\u00e9m prev\u00ea mecanismos de prorroga\u00e7\u00e3o vinculados \u00e0 conclus\u00e3o da an\u00e1lise do primeiro lote de pedidos de autoriza\u00e7\u00e3o.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Refer\u00eancias externas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">[1] <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/LEIS\/LCP\/Lcp213.htm\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/LEIS\/LCP\/Lcp213.htm\">Planalto<\/a>. Lei Complementar n\u00ba 213, de 15 de janeiro de 2025<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[2] <a href=\"https:\/\/www2.susep.gov.br\/safe\/scripts\/bnweb\/bnmapi.exe?router=upload\/31488\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><a href=\"https:\/\/www2.susep.gov.br\/safe\/scripts\/bnweb\/bnmapi.exe?router=upload\/31488\">Susep<\/a>. Resolu\u00e7\u00e3o CNSP n\u00ba 491, de 4 de maio de 2026<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[3] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/assuntos\/protecao-patrimonial-mutualista\/associacoes-de-protecao-patrimonial-mutualista\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><a href=\"https:\/\/www.gov.br\/susep\/pt-br\/assuntos\/protecao-patrimonial-mutualista\/associacoes-de-protecao-patrimonial-mutualista\">Susep<\/a>. Associa\u00e7\u00f5es de prote\u00e7\u00e3o patrimonial mutualista: fases, prazos e perguntas frequentes<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[4] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/central-de-conteudos\/noticias\/2026\/maio\/orientacoes-para-pedidos-de-autorizacao-de-administradoras-de-protecao-patrimonial-mutualista\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><a href=\"https:\/\/www.gov.br\/susep\/pt-br\/central-de-conteudos\/noticias\/2026\/maio\/orientacoes-para-pedidos-de-autorizacao-de-administradoras-de-protecao-patrimonial-mutualista\">Susep<\/a>. Orienta\u00e7\u00f5es para pedidos de autoriza\u00e7\u00e3o de administradoras de prote\u00e7\u00e3o patrimonial mutualista<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[5] <a href=\"https:\/\/conhecerseguros.com.br\/manual-da-susep-detalha-regras-para-autorizacao-de-administradoras-de-protecao-patrimonial-mutualista\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><a href=\"https:\/\/conhecerseguros.com.br\/manual-da-susep-detalha-regras-para-autorizacao-de-administradoras-de-protecao-patrimonial-mutualista\/\">Conhecer Seguros<\/a>. Manual da Susep detalha regras para autoriza\u00e7\u00e3o de administradoras de prote\u00e7\u00e3o patrimonial mutualista<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[6] <a href=\"https:\/\/revistaapolice.com.br\/2026\/08\/susep-conclui-etapa-inicial-de-autorizacao-mutualista\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><a href=\"https:\/\/revistaapolice.com.br\/2026\/08\/susep-conclui-etapa-inicial-de-autorizacao-mutualista\/\">Revista Ap\u00f3lice<\/a>. Susep conclui etapa inicial de autoriza\u00e7\u00e3o mutualista<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Um sistema para administradora de prote\u00e7\u00e3o patrimonial mutualista precisa sustentar exig\u00eancias que a Resolu\u00e7\u00e3o CNSP 491\/2026 tornou obrigat\u00f3rias: escritura\u00e7\u00e3o segregada por grupo, apura\u00e7\u00e3o de rateio em at\u00e9 cinco dias, contribui\u00e7\u00e3o discriminada e informa\u00e7\u00e3o dispon\u00edvel \u00e0 Susep sob demanda. <\/p>","protected":false},"author":10,"featured_media":6287,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-6286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tecnologia-para-seguros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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e prazos.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tecnologiaunica.com.br\/en\/blog\/sistema-para-administradora-de-protecao-patrimonial-mutualista\/\" \/>\n<meta property=\"og:site_name\" content=\"Tecnologia \u00danica\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-25T13:40:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-25T13:40:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tecnologiaunica.com.br\/wp-content\/uploads\/2026\/09\/sistema-para-administradora-de-protecao-patrimonial-mutualista.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Isabelle Fujioka\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Isabelle 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para administradora de prote\u00e7\u00e3o patrimonial mutualista?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A categoria regulada \u00e9 recente: foi criada pela LC 213\\\/2025 e detalhada em maio de 2026. Sistemas de seguradora, de cons\u00f3rcio e de associa\u00e7\u00e3o cobrem partes do problema. Mas a combina\u00e7\u00e3o de patrim\u00f4nio segregado por grupo, rateio peri\u00f3dico e regula\u00e7\u00e3o de sinistro sob supervis\u00e3o da Susep n\u00e3o corresponde exatamente a nenhuma dessas categorias. Na pr\u00e1tica, a avalia\u00e7\u00e3o costuma ser sobre quanto de cada plataforma pode ser aproveitado e quanto precisa ser constru\u00eddo.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/tecnologiaunica.com.br\\\/blog\\\/sistema-para-administradora-de-protecao-patrimonial-mutualista\\\/#faq-question-1790342365839\",\"position\":2,\"url\":\"https:\\\/\\\/tecnologiaunica.com.br\\\/blog\\\/sistema-para-administradora-de-protecao-patrimonial-mutualista\\\/#faq-question-1790342365839\",\"name\":\"Uma associa\u00e7\u00e3o precisa ter o pr\u00f3prio sistema?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A gest\u00e3o operacional e financeira dos grupos \u00e9 compet\u00eancia privativa da administradora. A associa\u00e7\u00e3o pode desempenhar atividades de apoio operacional definidas no contrato de presta\u00e7\u00e3o de servi\u00e7os, como aconselhamento, coleta de dados cadastrais, aviso de eventos e, mediante delega\u00e7\u00e3o expressa, apoio na regula\u00e7\u00e3o e na subscri\u00e7\u00e3o. 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