{"id":6166,"date":"2026-08-07T14:24:27","date_gmt":"2026-08-07T17:24:27","guid":{"rendered":"https:\/\/tecnologiaunica.com.br\/?p=6166"},"modified":"2026-08-07T14:25:57","modified_gmt":"2026-08-07T17:25:57","slug":"resolucao-cnsp-494-2026","status":"publish","type":"post","link":"https:\/\/tecnologiaunica.com.br\/fr\/blog\/resolucao-cnsp-494-2026\/","title":{"rendered":"Resolu\u00e7\u00e3o CNSP 494\/2026: impactos no resseguro"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A Resolu\u00e7\u00e3o CNSP n\u00ba 494, de 17 de julho de 2026, foi publicada no Di\u00e1rio Oficial da Uni\u00e3o em 21 de julho e divulgada pela Superintend\u00eancia de Seguros Privados \u2014 Susep \u2014 no dia seguinte. A norma revoga a Resolu\u00e7\u00e3o CNSP n\u00ba 451\/2022 e entra em vigor em 2 de janeiro de 2027.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A atualiza\u00e7\u00e3o adapta a regulamenta\u00e7\u00e3o do resseguro \u00e0 Lei n\u00ba 15.040\/2024, que instituiu o novo marco legal do contrato de seguro, e \u00e0 Lei Complementar n\u00ba 213\/2025, que ampliou a participa\u00e7\u00e3o das cooperativas de seguros e das administradoras de prote\u00e7\u00e3o patrimonial mutualista no mercado regulado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os efeitos da nova resolu\u00e7\u00e3o ultrapassam a revis\u00e3o de documentos jur\u00eddicos. Os novos prazos e crit\u00e9rios exigem mudan\u00e7as na forma como propostas, contratos, endossos, cess\u00f5es, contrapartes e informa\u00e7\u00f5es operacionais s\u00e3o registrados e acompanhados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para seguradoras, resseguradores locais, cooperativas, corretoras e demais agentes envolvidos, a adequa\u00e7\u00e3o depender\u00e1 da capacidade de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comprovar a data de recep\u00e7\u00e3o das propostas.<\/li>\n\n\n\n<li>Acompanhar o prazo de aceita\u00e7\u00e3o t\u00e1cita.<\/li>\n\n\n\n<li>Formalizar contratos e endossos dentro do per\u00edodo regulamentar.<\/li>\n\n\n\n<li>Manter registros audit\u00e1veis das opera\u00e7\u00f5es.<\/li>\n\n\n\n<li>Monitorar percentuais de cess\u00e3o e retrocess\u00e3o.<\/li>\n\n\n\n<li>Documentar a pol\u00edtica de transfer\u00eancia de riscos.<\/li>\n\n\n\n<li>Integrar informa\u00e7\u00f5es de resseguro por meio de uma <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/integracao-de-sistemas-empresariais\/\">integra\u00e7\u00e3o de sistemas no setor de seguros<\/a><\/strong> capaz de conectar os dados utilizados pela opera\u00e7\u00e3o.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Quando esses controles ainda dependem de planilhas paralelas, e-mails descentralizados ou conhecimento concentrado em poucas pessoas, a mudan\u00e7a regulat\u00f3ria torna fragilidades j\u00e1 existentes mais vis\u00edveis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O cronograma de adequa\u00e7\u00e3o deve considerar principalmente as renova\u00e7\u00f5es previstas para 2027 e o tempo necess\u00e1rio para revisar processos, responsabilidades, cadastros e sistemas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Aviso:<\/strong> este conte\u00fado apresenta uma leitura informativa e operacional da Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026. A aplica\u00e7\u00e3o da norma deve considerar as caracter\u00edsticas de cada institui\u00e7\u00e3o e n\u00e3o substitui avalia\u00e7\u00e3o jur\u00eddica ou regulat\u00f3ria especializada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principais pontos da Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As mudan\u00e7as com maior impacto operacional s\u00e3o:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O prazo de formaliza\u00e7\u00e3o do contrato de resseguro passa de 180 para 90 dias.<\/li>\n\n\n\n<li>O contrato pode ser formado pelo sil\u00eancio do ressegurador ap\u00f3s 20 dias da recep\u00e7\u00e3o da proposta.<\/li>\n\n\n\n<li>A aceita\u00e7\u00e3o t\u00e1cita n\u00e3o se aplica aos endossos.<\/li>\n\n\n\n<li>Cess\u00f5es em resseguro superiores a 90% passam a exigir justificativa t\u00e9cnica.<\/li>\n\n\n\n<li>Resseguradores locais devem justificar retrocess\u00f5es superiores a 70%.<\/li>\n\n\n\n<li>As justificativas devem ser apresentadas \u00e0 Susep at\u00e9 31 de mar\u00e7o do ano seguinte.<\/li>\n\n\n\n<li>A oferta preferencial m\u00ednima de 40% aos resseguradores locais \u00e9 mantida.<\/li>\n\n\n\n<li>Cooperativas de seguros e administradoras de prote\u00e7\u00e3o patrimonial mutualista passam a integrar o conceito de cedente.<\/li>\n\n\n\n<li>A pol\u00edtica de transfer\u00eancia de riscos recebe requisitos mais detalhados.<\/li>\n\n\n\n<li>As opera\u00e7\u00f5es iniciadas antes da vig\u00eancia da resolu\u00e7\u00e3o devem se adaptar no momento da renova\u00e7\u00e3o.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tabela-resumo das principais mudan\u00e7as<\/h3>\n\n\n\n<!-- TABELA TECNOLOGIA \u00daNICA \u2014 RESOLU\u00c7\u00c3O CNSP N\u00ba 494\/2026 -->\n\n<style>\n  .tu-cnsp-table,\n  .tu-cnsp-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-cnsp-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-line: #E4E4E4;\n    --tu-soft: #FAFAFA;\n    --tu-text-soft: #525252;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n    color: var(--tu-black);\n  }\n\n  \/* CONTAINER *\/\n\n  .tu-cnsp-table__container {\n    width: 100%;\n    max-width: 100%;\n    margin: 0;\n    padding: 0;\n\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D8D8D8;\n    border-radius: 12px;\n  }\n\n  \/* TABELA *\/\n\n  .tu-cnsp-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-cnsp-table th,\n  .tu-cnsp-table td {\n    margin: 0;\n    padding: 14px 15px;\n\n    vertical-align: top;\n    text-align: left;\n\n    overflow-wrap: break-word;\n    word-break: normal;\n    hyphens: auto;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-cnsp-table thead th {\n    background: var(--tu-red);\n    color: 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 left: 0;\n\n    width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  .tu-cnsp-table .tu-rule {\n    width: 36%;\n  }\n\n  .tu-cnsp-table .tu-impact {\n    width: 39%;\n    color: var(--tu-text-soft);\n  }\n\n  \/* DESTAQUES *\/\n\n  .tu-cnsp-highlight {\n    display: inline;\n\n    padding: 1px 4px;\n\n    background: rgba(221, 78, 75, 0.13);\n    border-radius: 4px;\n\n    color: #A5312F;\n    font-weight: 700;\n\n    box-decoration-break: clone;\n    -webkit-box-decoration-break: clone;\n  }\n\n  .tu-cnsp-value {\n    display: inline-block;\n\n    padding: 1px 6px;\n\n    background: var(--tu-red);\n    border-radius: 999px;\n\n    color: var(--tu-black);\n    font-weight: 700;\n  }\n\n  \/* TABLET *\/\n\n  @media (max-width: 900px) and (min-width: 681px) {\n\n    .tu-cnsp-table th,\n    .tu-cnsp-table td {\n      padding: 12px 11px;\n    }\n\n    .tu-cnsp-table thead th {\n      font-size: 12px;\n    }\n\n    .tu-cnsp-table tbody td {\n      font-size: 12.5px;\n    }\n\n    .tu-cnsp-table .tu-change {\n      width: 24%;\n      padding-left: 16px;\n    }\n\n    .tu-cnsp-table .tu-rule {\n      width: 36%;\n    }\n\n    .tu-cnsp-table .tu-impact {\n      width: 40%;\n    }\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n\n    .tu-cnsp-table {\n      margin: 20px 0;\n    }\n\n    .tu-cnsp-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-cnsp-table table,\n    .tu-cnsp-table tbody,\n    .tu-cnsp-table tr,\n    .tu-cnsp-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-cnsp-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-cnsp-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-cnsp-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n\n      border: 1px solid #DCDCDC;\n      border-radius: 10px;\n    }\n\n    .tu-cnsp-table tbody td,\n    .tu-cnsp-table tbody tr:nth-child(even) td {\n      width: 100% !important;\n\n      padding: 12px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 13.5px;\n    }\n\n    .tu-cnsp-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-cnsp-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6B6B6B;\n\n      font-size: 10px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: 0.04em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-cnsp-table tbody .tu-change {\n      padding: 12px 14px;\n\n      background: var(--tu-red) !important;\n\n      border-bottom: 1px solid rgba(0, 0, 0, 0.15);\n\n      color: var(--tu-black);\n      font-size: 15px;\n    }\n\n    .tu-cnsp-table tbody .tu-change::before {\n      position: static;\n\n      display: block;\n\n      width: auto;\n      height: auto;\n\n      margin-bottom: 3px;\n\n      background: transparent;\n\n      color: rgba(0, 0, 0, 0.58);\n\n      content: attr(data-label);\n    }\n  }\n<\/style>\n\n\n<div class=\"tu-cnsp-table\">\n\n  <div class=\"tu-cnsp-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Mudan\u00e7a<\/th>\n          <th scope=\"col\">Regra da Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026<\/th>\n          <th scope=\"col\">Impacto operacional<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n\n        <tr>\n          <td class=\"tu-change\" data-label=\"Mudan\u00e7a\">\n            Aceita\u00e7\u00e3o t\u00e1cita\n          <\/td>\n\n          <td class=\"tu-rule\" data-label=\"Regra\">\n            O sil\u00eancio do ressegurador por\n            <span class=\"tu-cnsp-highlight\">20 dias<\/span>\n            ap\u00f3s a recep\u00e7\u00e3o da proposta forma o contrato.\n          <\/td>\n\n          <td class=\"tu-impact\" data-label=\"Impacto operacional\">\n            Exige comprova\u00e7\u00e3o da data de recebimento e acompanhamento dos prazos.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-change\" data-label=\"Mudan\u00e7a\">\n            Formaliza\u00e7\u00e3o do contrato\n          <\/td>\n\n          <td class=\"tu-rule\" data-label=\"Regra\">\n            Deve ocorrer em at\u00e9\n            <span class=\"tu-cnsp-highlight\">90 dias<\/span>\n            do in\u00edcio da vig\u00eancia da cobertura.\n          <\/td>\n\n          <td class=\"tu-impact\" data-label=\"Impacto operacional\">\n            Requer fluxo contratual com respons\u00e1veis, alertas e evid\u00eancias.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-change\" data-label=\"Mudan\u00e7a\">\n            Formaliza\u00e7\u00e3o do endosso\n          <\/td>\n\n          <td class=\"tu-rule\" data-label=\"Regra\">\n            Prazo de\n            <span class=\"tu-cnsp-highlight\">90 dias<\/span>,\n            contado da aceita\u00e7\u00e3o do risco ou do in\u00edcio da cobertura,\n            o que ocorrer por \u00faltimo.\n          <\/td>\n\n          <td class=\"tu-impact\" data-label=\"Impacto operacional\">\n            O endosso precisa de controle pr\u00f3prio, sem substituir\n            o prazo do contrato original.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-change\" data-label=\"Mudan\u00e7a\">\n            Cess\u00e3o acima de 90%\n          <\/td>\n\n          <td class=\"tu-rule\" data-label=\"Regra\">\n            Exige justificativa t\u00e9cnica at\u00e9\n            <span class=\"tu-cnsp-highlight\">\n              31 de mar\u00e7o do ano seguinte\n            <\/span>.\n          <\/td>\n\n          <td class=\"tu-impact\" data-label=\"Impacto operacional\">\n            Demanda hist\u00f3rico consolidado e dados confi\u00e1veis.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-change\" data-label=\"Mudan\u00e7a\">\n            Retrocess\u00e3o acima de 70%\n          <\/td>\n\n          <td class=\"tu-rule\" data-label=\"Regra\">\n            Resseguradores locais devem apresentar justificativa t\u00e9cnica.\n          <\/td>\n\n          <td class=\"tu-impact\" data-label=\"Impacto operacional\">\n            Exige monitoramento anual dos percentuais.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-change\" data-label=\"Mudan\u00e7a\">\n            Oferta preferencial\n          <\/td>\n\n          <td class=\"tu-rule\" data-label=\"Regra\">\n            M\u00ednimo de\n            <span class=\"tu-cnsp-value\">40%<\/span>\n            de cada cess\u00e3o autom\u00e1tica ou facultativa aos resseguradores locais.\n          <\/td>\n\n          <td class=\"tu-impact\" data-label=\"Impacto operacional\">\n            Requer tratamento equ\u00e2nime e registro das condi\u00e7\u00f5es oferecidas.\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td class=\"tu-change\" data-label=\"Mudan\u00e7a\">\n            Regra de transi\u00e7\u00e3o\n          <\/td>\n\n          <td class=\"tu-rule\" data-label=\"Regra\">\n            Opera\u00e7\u00f5es iniciadas antes de\n            <span class=\"tu-cnsp-highlight\">\n              2 de janeiro de 2027\n            <\/span>\n            se adaptam na renova\u00e7\u00e3o.\n          <\/td>\n\n          <td class=\"tu-impact\" data-label=\"Impacto operacional\">\n            O calend\u00e1rio contratual define a prioridade da adequa\u00e7\u00e3o.\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\">Ponto de aten\u00e7\u00e3o: os prazos precisam come\u00e7ar em eventos comprov\u00e1veis<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O prazo de aceita\u00e7\u00e3o t\u00e1cita come\u00e7a na recep\u00e7\u00e3o da proposta pelo ressegurador. Portanto, n\u00e3o basta saber que o documento foi enviado: a opera\u00e7\u00e3o precisa conseguir demonstrar quando ele foi efetivamente recebido.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Propostas encaminhadas por canais diferentes, trocas de e-mail sem padroniza\u00e7\u00e3o, arquivos mantidos em pastas individuais e aus\u00eancia de registro formal de recep\u00e7\u00e3o dificultam essa comprova\u00e7\u00e3o.<\/p>\n\n\n\n<style>\n  .tu-risk-card,\n  .tu-risk-card * {\n    box-sizing: border-box;\n  }\n\n  .tu-risk-card {\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 24px 26px;\n\n    background: #DD4E4B;\n    border: 1px solid #000000;\n    border-radius: 4px 16px 16px 16px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n    color: #FFFFFF;\n  }\n\n  .tu-risk-card p {\n    margin: 0 0 16px !important;\n    padding: 0 !important;\n\n    color: #FFFFFF;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1.5;\n  }\n\n  .tu-risk-card ul {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 10px 24px;\n\n    margin: 0 !important;\n    padding: 0 !important;\n\n    list-style: none !important;\n  }\n\n  .tu-risk-card li {\n    position: relative;\n\n    margin: 0 !important;\n    padding: 0 0 0 18px !important;\n\n    color: #FFFFFF;\n    font-size: 14px;\n    line-height: 1.5;\n  }\n\n  .tu-risk-card li::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0.6em;\n    left: 0;\n\n    width: 7px;\n    height: 7px;\n\n    background: #FFFFFF;\n    border-radius: 50%;\n\n    transform: translateY(-50%);\n  }\n\n  @media (max-width: 680px) {\n    .tu-risk-card {\n      margin: 20px 0;\n      padding: 20px;\n    }\n\n    .tu-risk-card ul {\n      grid-template-columns: 1fr;\n      gap: 9px;\n    }\n\n    .tu-risk-card p {\n      font-size: 14.5px;\n    }\n\n    .tu-risk-card li {\n      font-size: 13.5px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-risk-card\">\n\n  <p>O risco tende a crescer quando h\u00e1:<\/p>\n\n  <ul>\n    <li>Grande volume de propostas.<\/li>\n    <li>Participa\u00e7\u00e3o de diferentes \u00e1reas e intermedi\u00e1rios.<\/li>\n    <li>Contratos facultativos com negocia\u00e7\u00f5es espec\u00edficas.<\/li>\n    <li>M\u00faltiplas vers\u00f5es dos documentos.<\/li>\n    <li>Renova\u00e7\u00f5es concentradas em um mesmo per\u00edodo.<\/li>\n    <li>Depend\u00eancia de acompanhamento manual.<\/li>\n  <\/ul>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Sem um registro estruturado, o contrato pode ser formado pelo sil\u00eancio sem que a opera\u00e7\u00e3o identifique o evento no momento adequado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O ponto central \u00e9 construir um fluxo no qual cada proposta tenha:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Identifica\u00e7\u00e3o \u00fanica.<\/li>\n\n\n\n<li>Data comprovada de envio.<\/li>\n\n\n\n<li>Data comprovada de recep\u00e7\u00e3o.<\/li>\n\n\n\n<li>Resseguradores consultados.<\/li>\n\n\n\n<li>Status da manifesta\u00e7\u00e3o.<\/li>\n\n\n\n<li>Prazo final calculado.<\/li>\n\n\n\n<li>Documentos e comunica\u00e7\u00f5es relacionados.<\/li>\n\n\n\n<li>Respons\u00e1vel pelo acompanhamento.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">O que muda com a Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A resolu\u00e7\u00e3o consolida as regras aplic\u00e1veis \u00e0s rela\u00e7\u00f5es entre cedentes, resseguradores, retrocession\u00e1rios e intermedi\u00e1rios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para fins da norma, o conceito de cedente passa a compreender:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sociedade seguradora.<\/li>\n\n\n\n<li>Sociedade cooperativa de seguros.<\/li>\n\n\n\n<li>Administradora de opera\u00e7\u00f5es de prote\u00e7\u00e3o patrimonial mutualista que contrata resseguro.<\/li>\n\n\n\n<li>Ressegurador que contrata retrocess\u00e3o.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Entidades abertas e fechadas de previd\u00eancia complementar e operadoras de planos privados de assist\u00eancia \u00e0 sa\u00fade tamb\u00e9m s\u00e3o equiparadas \u00e0 cedente quando contratam resseguro, sem preju\u00edzo das compet\u00eancias de seus respectivos \u00f3rg\u00e3os reguladores.<\/p>\n\n\n\n<style>\n  .tu-impact-card,\n  .tu-impact-card * {\n    box-sizing: border-box;\n  }\n\n  .tu-impact-card {\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 24px 26px;\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    color: #000000;\n  }\n\n  .tu-impact-card p {\n    margin: 0 0 16px !important;\n    padding: 0 !important;\n\n    color: #000000;\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1.5;\n  }\n\n  .tu-impact-card ol {\n    display: grid;\n    gap: 10px;\n\n    margin: 0 !important;\n    padding: 0 !important;\n\n    list-style: none !important;\n    counter-reset: tu-impact-counter;\n  }\n\n  .tu-impact-card li {\n    position: relative;\n\n    margin: 0 !important;\n    padding: 0 0 0 38px !important;\n\n    color: #333333;\n    font-size: 14px;\n    line-height: 1.5;\n\n    counter-increment: tu-impact-counter;\n  }\n\n  .tu-impact-card li::before {\n    content: counter(tu-impact-counter);\n\n    position: absolute;\n    top: 0;\n    left: 0;\n\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 26px;\n    height: 26px;\n\n    background: #DD4E4B;\n    border-radius: 50%;\n\n    color: #FFFFFF;\n    font-size: 12px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  @media (max-width: 680px) {\n    .tu-impact-card {\n      margin: 20px 0;\n      padding: 20px;\n    }\n\n    .tu-impact-card p {\n      font-size: 14.5px;\n    }\n\n    .tu-impact-card li {\n      padding-left: 36px !important;\n      font-size: 13.5px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-impact-card\">\n\n  <p>\n    Tr\u00eas grupos de mudan\u00e7as concentram os maiores impactos sobre a opera\u00e7\u00e3o:\n  <\/p>\n\n  <ol>\n    <li>Forma\u00e7\u00e3o e formaliza\u00e7\u00e3o dos contratos.<\/li>\n    <li>Governan\u00e7a da transfer\u00eancia de riscos.<\/li>\n    <li>Amplia\u00e7\u00e3o e organiza\u00e7\u00e3o do p\u00fablico sujeito \u00e0s regras.<\/li>\n  <\/ol>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Prazo de formaliza\u00e7\u00e3o contratual: de 180 para 90 dias<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Resolu\u00e7\u00e3o CNSP n\u00ba 451\/2022 previa prazo de at\u00e9 180 dias para a formaliza\u00e7\u00e3o contratual das opera\u00e7\u00f5es de resseguro. A nova resolu\u00e7\u00e3o reduz esse per\u00edodo para 90 dias, contados do in\u00edcio da vig\u00eancia da cobertura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A formaliza\u00e7\u00e3o ocorre com a assinatura f\u00edsica ou eletr\u00f4nica do contrato pelo ressegurador ou pelos resseguradores devidamente identificados, com a data e a identifica\u00e7\u00e3o dos representantes signat\u00e1rios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A utiliza\u00e7\u00e3o de meios remotos \u00e9 admitida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para os endossos, o prazo tamb\u00e9m \u00e9 de 90 dias, contado a partir da aceita\u00e7\u00e3o do risco ou do in\u00edcio da vig\u00eancia da cobertura, <strong>o que ocorrer por \u00faltimo<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esse prazo \u00e9 independente e n\u00e3o substitui o prazo aplic\u00e1vel \u00e0 formaliza\u00e7\u00e3o do contrato original.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Outro ponto relevante \u00e9 que a nota de cobertura emitida pela corretora n\u00e3o substitui o contrato de resseguro. A manifesta\u00e7\u00e3o da corretora tamb\u00e9m n\u00e3o substitui a concord\u00e2ncia da cedente nem o aceite do ressegurador.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">O que a redu\u00e7\u00e3o do prazo exige na pr\u00e1tica<\/h3>\n\n\n\n<style>\n  .tu-practice-card,\n  .tu-practice-card * {\n    box-sizing: border-box;\n  }\n\n  .tu-practice-card {\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 24px 26px;\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    color: #000000;\n  }\n\n  .tu-practice-card h3 {\n    margin: 0 0 16px !important;\n    padding: 0 !important;\n\n    color: #000000;\n    font-size: 18px;\n    font-weight: 700;\n    line-height: 1.3;\n  }\n\n  .tu-practice-card p {\n    margin: 0 0 14px !important;\n    padding: 0 !important;\n\n    color: #333333;\n    font-size: 14px;\n    line-height: 1.55;\n  }\n\n  .tu-practice-card p:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .tu-practice-card ul {\n    display: grid;\n    gap: 9px;\n\n    margin: 0 0 18px !important;\n    padding: 0 !important;\n\n    list-style: none !important;\n  }\n\n  .tu-practice-card li {\n    position: relative;\n\n    margin: 0 !important;\n    padding: 0 0 0 20px !important;\n\n    color: #333333;\n    font-size: 14px;\n    line-height: 1.5;\n  }\n\n  .tu-practice-card li::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0.62em;\n    left: 0;\n\n    width: 7px;\n    height: 7px;\n\n    background: #DD4E4B;\n    border-radius: 50%;\n\n    transform: translateY(-50%);\n  }\n\n  .tu-practice-card .tu-practice-final {\n    padding-top: 14px !important;\n\n    border-top: 1px solid #E7E7E7;\n\n    color: #000000;\n    font-weight: 600;\n  }\n\n  @media (max-width: 680px) {\n    .tu-practice-card {\n      margin: 20px 0;\n      padding: 20px;\n    }\n\n    .tu-practice-card h3 {\n      font-size: 17px;\n    }\n\n    .tu-practice-card p,\n    .tu-practice-card li {\n      font-size: 13.5px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-practice-card\">\n\n\n  <p>\n    A opera\u00e7\u00e3o deve conseguir identificar:\n  <\/p>\n\n  <ul>\n    <li>Quais contratos j\u00e1 entraram em vig\u00eancia.<\/li>\n    <li>Quantos dias restam para a formaliza\u00e7\u00e3o.<\/li>\n    <li>Quais aprova\u00e7\u00f5es ainda est\u00e3o pendentes.<\/li>\n    <li>Qual vers\u00e3o do documento representa os termos pactuados.<\/li>\n    <li>Quem deve assinar.<\/li>\n    <li>Quais endossos possuem prazo pr\u00f3prio em andamento.<\/li>\n    <li>Onde est\u00e3o arquivadas as evid\u00eancias da formaliza\u00e7\u00e3o.<\/li>\n  <\/ul>\n\n  <p class=\"tu-practice-final\">\n    Quanto maior a quantidade de contratos, resseguradores e vers\u00f5es documentais, menor a seguran\u00e7a oferecida por controles manuais.\n  <\/p>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Aceita\u00e7\u00e3o t\u00e1cita: quando o sil\u00eancio forma o contrato<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O artigo 11 determina que o contrato de resseguro ser\u00e1 formado imediatamente pelo aceite do ressegurador ou, ap\u00f3s 20 dias contados da recep\u00e7\u00e3o da proposta, pelo seu sil\u00eancio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Susep poder\u00e1 ampliar esse prazo em situa\u00e7\u00f5es de comprovada necessidade t\u00e9cnica e dever\u00e1 regulamentar regras e requisitos m\u00ednimos para a proposta de resseguro. A forma\u00e7\u00e3o do contrato pelo sil\u00eancio n\u00e3o se aplica aos endossos, que continuam exigindo manifesta\u00e7\u00e3o pr\u00f3pria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A mudan\u00e7a exige aten\u00e7\u00e3o especial \u00e0 origem do prazo. Sem registro confi\u00e1vel da recep\u00e7\u00e3o, a cedente pode ter dificuldade para determinar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quando come\u00e7ou a contagem.<\/li>\n\n\n\n<li>Se houve manifesta\u00e7\u00e3o v\u00e1lida.<\/li>\n\n\n\n<li>Quando o contrato foi formado.<\/li>\n\n\n\n<li>Quais condi\u00e7\u00f5es integravam a proposta recebida.<\/li>\n\n\n\n<li>Se altera\u00e7\u00f5es posteriores exigem endosso.<\/li>\n<\/ul>\n\n\n\n<style>\n  .tu-premium-card,\n  .tu-premium-card * {\n    box-sizing: border-box;\n  }\n\n  .tu-premium-card {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-soft: #F7F7F7;\n    --tu-text: #222222;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 30px 32px;\n\n    background: var(--tu-red);\n    border: 2px solid var(--tu-black);\n    border-radius: 4px 22px 22px 22px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n    color: var(--tu-white);\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-premium-card h3 {\n    margin: 0 0 14px !important;\n    padding: 0 !important;\n\n    color: var(--tu-white);\n    font-size: 20px;\n    font-weight: 700;\n    line-height: 1.25;\n  }\n\n  .tu-premium-card__intro {\n    margin: 0 0 22px !important;\n    padding: 0 !important;\n\n    color: rgba(255, 255, 255, 0.96);\n    font-size: 14px;\n    line-height: 1.65;\n  }\n\n  .tu-premium-card__highlight {\n    display: inline-block;\n\n    padding: 2px 7px;\n\n    background: #FFFFFF;\n    border-radius: 999px;\n\n    color: #000000;\n    font-weight: 700;\n    white-space: nowrap;\n  }\n\n  \/* \u00c1REA BRANCA *\/\n\n  .tu-premium-card__documents {\n    margin: 0 0 18px;\n    padding: 22px 24px;\n\n    background: var(--tu-white);\n    border: 1px solid var(--tu-black);\n    border-radius: 4px 16px 16px 16px;\n\n    color: var(--tu-text);\n  }\n\n  .tu-premium-card__documents > p {\n    margin: 0 0 15px !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 14px;\n    font-weight: 700;\n    line-height: 1.5;\n  }\n\n  .tu-premium-card__documents ul {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 10px 28px;\n\n    margin: 0 !important;\n    padding: 0 !important;\n\n    list-style: none !important;\n  }\n\n  .tu-premium-card__documents li {\n    position: relative;\n\n    margin: 0 !important;\n    padding: 0 0 0 18px !important;\n\n    color: #333333;\n    font-size: 14px;\n    line-height: 1.5;\n  }\n\n  .tu-premium-card__documents li::before {\n    content: \"\";\n\n    position: absolute;\n    top: 0.62em;\n    left: 0;\n\n    width: 7px;\n    height: 7px;\n\n    background: var(--tu-red);\n    border-radius: 50%;\n\n    transform: translateY(-50%);\n  }\n\n  \/* ORIENTA\u00c7\u00c3O FINAL *\/\n\n  .tu-premium-card__action {\n    padding: 18px 20px;\n\n    background: #FFFFFF;\n    border-left: 4px solid #000000;\n    border-radius: 4px 14px 14px 14px;\n  }\n\n  .tu-premium-card__action strong {\n    display: block;\n\n    margin: 0 0 6px;\n\n    color: var(--tu-black);\n    font-size: 15px;\n    font-weight: 700;\n    line-height: 1.4;\n  }\n\n  .tu-premium-card__action p {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: #444444;\n    font-size: 13.5px;\n    line-height: 1.6;\n  }\n\n  @media (max-width: 680px) {\n    .tu-premium-card {\n      margin: 20px 0;\n      padding: 22px 20px;\n\n      border-radius: 4px 18px 18px 18px;\n    }\n\n    .tu-premium-card h3 {\n      font-size: 18px;\n    }\n\n    .tu-premium-card__intro {\n      font-size: 13.5px;\n    }\n\n    .tu-premium-card__documents {\n      padding: 18px;\n    }\n\n    .tu-premium-card__documents ul {\n      grid-template-columns: 1fr;\n      gap: 9px;\n    }\n\n    .tu-premium-card__documents li {\n      font-size: 13.5px;\n    }\n\n    .tu-premium-card__action {\n      padding: 16px 17px;\n    }\n\n    .tu-premium-card__action strong {\n      font-size: 14.5px;\n    }\n\n    .tu-premium-card__action p {\n      font-size: 13px;\n    }\n  }\n<\/style>\n\n\n<div class=\"tu-premium-card\">\n\n  <h3>Exemplo operacional<\/h3>\n\n  <p class=\"tu-premium-card__intro\">\n    Uma proposta \u00e9 encaminhada a um ressegurador e recebida em 5 de mar\u00e7o.\n    Caso n\u00e3o haja manifesta\u00e7\u00e3o e n\u00e3o exista prazo ampliado pela Susep para\n    aquele cen\u00e1rio, o contrato ser\u00e1 formado pelo sil\u00eancio ap\u00f3s o per\u00edodo\n    regulamentar de\n    <span class=\"tu-premium-card__highlight\">20 dias<\/span>.\n  <\/p>\n\n\n  <div class=\"tu-premium-card__documents\">\n\n    <p>\n      Para sustentar esse acompanhamento, a opera\u00e7\u00e3o precisa manter vinculados:\n    <\/p>\n\n    <ul>\n      <li>Proposta enviada.<\/li>\n      <li>Comprovante de recep\u00e7\u00e3o.<\/li>\n      <li>Termos e condi\u00e7\u00f5es.<\/li>\n      <li>Manifesta\u00e7\u00f5es posteriores.<\/li>\n      <li>Identifica\u00e7\u00e3o das partes.<\/li>\n      <li>Data de forma\u00e7\u00e3o do contrato.<\/li>\n      <li>Fluxo de formaliza\u00e7\u00e3o.<\/li>\n    <\/ul>\n\n  <\/div>\n\n\n  <div class=\"tu-premium-card__action\">\n\n    <strong>Avalie a rastreabilidade das propostas<\/strong>\n\n    <p>\n      Se datas de recep\u00e7\u00e3o, manifesta\u00e7\u00f5es e documentos est\u00e3o distribu\u00eddos entre e-mails, planilhas e sistemas, mapeie onde a informa\u00e7\u00e3o se perde. A Tecnologia \u00danica pode estruturar integra\u00e7\u00f5es e automa\u00e7\u00f5es para reduzir essas depend\u00eancias.\n    <\/p>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Amplia\u00e7\u00e3o do escopo: cooperativas e entidades mutualistas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026 inclui as sociedades cooperativas de seguros e as administradoras de opera\u00e7\u00f5es de prote\u00e7\u00e3o patrimonial mutualista no conceito de cedente, refletindo as altera\u00e7\u00f5es promovidas pela Lei Complementar n\u00ba 213\/2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A norma, por\u00e9m, estabelece limites claros:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seguradoras, cooperativas e administradoras n\u00e3o podem aceitar resseguro.<\/li>\n\n\n\n<li>Cooperativas e administradoras n\u00e3o podem aceitar retrocess\u00e3o.<\/li>\n\n\n\n<li>Seguradoras podem aceitar retrocess\u00e3o, observadas as condi\u00e7\u00f5es regulamentares.<\/li>\n\n\n\n<li>Cooperativas podem participar de opera\u00e7\u00f5es de cosseguro conforme as regras aplic\u00e1veis.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Para opera\u00e7\u00f5es que se relacionam com essas entidades, ser\u00e1 necess\u00e1rio revisar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tipo e classifica\u00e7\u00e3o da contraparte.<\/li>\n\n\n\n<li>Permiss\u00f5es operacionais.<\/li>\n\n\n\n<li>Fluxos de cess\u00e3o.<\/li>\n\n\n\n<li>Regras de elegibilidade.<\/li>\n\n\n\n<li>Cadastros.<\/li>\n\n\n\n<li>Valida\u00e7\u00f5es dos sistemas.<\/li>\n\n\n\n<li>Documenta\u00e7\u00e3o contratual.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Governan\u00e7a, limites de cess\u00e3o e oferta preferencial<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Al\u00e9m dos prazos, a resolu\u00e7\u00e3o detalha como o risco transferido deve ser monitorado e documentado.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cess\u00f5es e retrocess\u00f5es acima dos percentuais exigem justificativa t\u00e9cnica<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Devem ser apresentadas \u00e0 Susep, at\u00e9 31 de mar\u00e7o do ano civil seguinte, justificativas t\u00e9cnicas para:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cess\u00f5es em resseguro superiores a 90%, consideradas de forma global no ano, por seguradoras, cooperativas de seguros, EAPCs e administradoras de prote\u00e7\u00e3o patrimonial mutualista.<\/li>\n\n\n\n<li>Cess\u00f5es em retrocess\u00e3o superiores a 70%, consideradas de forma global no ano, por resseguradores locais.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">O c\u00e1lculo considera a rela\u00e7\u00e3o entre os pr\u00eamios cedidos em resseguro ou retrocess\u00e3o e os pr\u00eamios ou contribui\u00e7\u00f5es emitidos. As comiss\u00f5es recebidas n\u00e3o devem ser descontadas dos pr\u00eamios cedidos para essa apura\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A aus\u00eancia da justificativa ou sua apresenta\u00e7\u00e3o incompleta pode gerar san\u00e7\u00f5es conforme a regulamenta\u00e7\u00e3o vigente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">O que precisa estar dispon\u00edvel<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Para preparar a justificativa, a institui\u00e7\u00e3o deve conseguir reunir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00eamios emitidos.<\/li>\n\n\n\n<li>Pr\u00eamios cedidos.<\/li>\n\n\n\n<li>Tipo de opera\u00e7\u00e3o.<\/li>\n\n\n\n<li>Contrato relacionado.<\/li>\n\n\n\n<li>Contraparte.<\/li>\n\n\n\n<li>Per\u00edodo.<\/li>\n\n\n\n<li>Percentual acumulado.<\/li>\n\n\n\n<li>Fundamentos t\u00e9cnicos da estrutura adotada.<\/li>\n\n\n\n<li>Documentos de aprova\u00e7\u00e3o.<\/li>\n\n\n\n<li>Hist\u00f3rico das altera\u00e7\u00f5es.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Quando esses dados est\u00e3o distribu\u00eddos entre planilhas, documentos e sistemas sem integra\u00e7\u00e3o, a consolida\u00e7\u00e3o anual se transforma em um processo de reconstru\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Oferta preferencial aos resseguradores locais<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A norma mant\u00e9m a oferta preferencial m\u00ednima de 40% de cada cess\u00e3o de resseguro autom\u00e1tico ou facultativo aos resseguradores locais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A oferta deve garantir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Informa\u00e7\u00f5es id\u00eanticas sobre o risco.<\/li>\n\n\n\n<li>Os mesmos termos e condi\u00e7\u00f5es.<\/li>\n\n\n\n<li>Igualdade quanto ao pre\u00e7o apresentado.<\/li>\n\n\n\n<li>Tratamento equ\u00e2nime entre resseguradores locais e estrangeiros.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A oferta preferencial n\u00e3o se aplica \u00e0s opera\u00e7\u00f5es de retrocess\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Caso sejam identificados desvios, a cedente e a corretora respons\u00e1vel pela intermedia\u00e7\u00e3o podem ficar sujeitas \u00e0s san\u00e7\u00f5es cab\u00edveis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A exig\u00eancia amplia a import\u00e2ncia de registrar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quais resseguradores foram consultados.<\/li>\n\n\n\n<li>Quando receberam a oferta.<\/li>\n\n\n\n<li>Quais informa\u00e7\u00f5es foram disponibilizadas.<\/li>\n\n\n\n<li>Quais condi\u00e7\u00f5es foram apresentadas.<\/li>\n\n\n\n<li>Quais manifesta\u00e7\u00f5es foram recebidas.<\/li>\n\n\n\n<li>Se houve altera\u00e7\u00f5es posteriores.<\/li>\n\n\n\n<li>Como a decis\u00e3o de coloca\u00e7\u00e3o foi constru\u00edda.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Refor\u00e7o da pol\u00edtica de transfer\u00eancia de riscos<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O artigo 7\u00ba estabelece que seguradoras, cooperativas de seguros, EAPCs e resseguradores locais devem desenvolver e implementar uma pol\u00edtica de transfer\u00eancia de riscos alinhada \u00e0 pol\u00edtica de subscri\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A pol\u00edtica deve abranger, entre outros pontos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Objetivos da transfer\u00eancia de riscos.<\/li>\n\n\n\n<li>Crit\u00e9rios t\u00e9cnicos dos programas de resseguro e retrocess\u00e3o.<\/li>\n\n\n\n<li>Limites tolerados de exposi\u00e7\u00e3o.<\/li>\n\n\n\n<li>Compatibilidade com a estrat\u00e9gia do neg\u00f3cio.<\/li>\n\n\n\n<li>Crit\u00e9rios para sele\u00e7\u00e3o e monitoramento de contrapartes.<\/li>\n\n\n\n<li>Riscos de cr\u00e9dito e liquidez.<\/li>\n\n\n\n<li>Concentra\u00e7\u00f5es relevantes.<\/li>\n\n\n\n<li>Opera\u00e7\u00f5es com empresas ligadas.<\/li>\n\n\n\n<li>Risco de cont\u00e1gio em grupos econ\u00f4micos.<\/li>\n\n\n\n<li>Descasamento entre contratos de resseguro e contratos subjacentes.<\/li>\n\n\n\n<li>Procedimentos operacionais.<\/li>\n\n\n\n<li>Sistemas usados no controle e na gest\u00e3o dos riscos.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A pr\u00f3pria resolu\u00e7\u00e3o vincula a pol\u00edtica aos procedimentos operacionais e aos sistemas utilizados para assegurar seu cumprimento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Essa rela\u00e7\u00e3o \u00e9 importante: uma pol\u00edtica formalmente bem elaborada perde efetividade quando n\u00e3o pode ser traduzida em regras, registros, respons\u00e1veis e controles aplic\u00e1veis \u00e0 rotina.<\/p>\n\n\n\n<style>\n  .tu-maturity-card,\n  .tu-maturity-card * {\n    box-sizing: border-box;\n  }\n\n  .tu-maturity-card {\n    position: relative;\n\n    display: grid;\n    grid-template-columns: 46px minmax(0, 1fr);\n    gap: 18px;\n    align-items: start;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 24px 26px;\n\n    overflow: hidden;\n\n    background: #FFFFFF;\n    border: 2px solid #DD4E4B;\n    border-radius: 4px 18px 18px 18px;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n    color: #000000;\n  }\n\n  \/* MARCADOR VISUAL *\/\n\n  .tu-maturity-card__marker {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 46px;\n    height: 46px;\n\n    background: #DD4E4B;\n    border-radius: 50%;\n\n    color: #FFFFFF;\n    font-size: 21px;\n    font-weight: 500;\n    line-height: 1;\n  }\n\n  \/* CONTE\u00daDO *\/\n\n  .tu-maturity-card__content {\n    min-width: 0;\n  }\n\n  .tu-maturity-card strong {\n    display: block;\n\n    margin: 0 0 7px;\n\n    color: #000000;\n    font-size: 16px;\n    font-weight: 700;\n    line-height: 1.35;\n  }\n\n  .tu-maturity-card p {\n    max-width: 860px;\n\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: #404040;\n    font-size: 14px;\n    line-height: 1.6;\n  }\n\n  \/* DETALHE INFERIOR *\/\n\n  .tu-maturity-card::after {\n    content: \"\";\n\n    position: absolute;\n    right: 0;\n    bottom: 0;\n\n    width: 70px;\n    height: 5px;\n\n    background: #DD4E4B;\n    border-radius: 5px 0 0 0;\n  }\n\n  @media (max-width: 680px) {\n    .tu-maturity-card {\n      grid-template-columns: 38px minmax(0, 1fr);\n      gap: 14px;\n\n      margin: 20px 0;\n      padding: 20px;\n\n      border-radius: 4px 16px 16px 16px;\n    }\n\n    .tu-maturity-card__marker {\n      width: 38px;\n      height: 38px;\n\n      font-size: 18px;\n    }\n\n    .tu-maturity-card strong {\n      font-size: 15px;\n    }\n\n    .tu-maturity-card p {\n      font-size: 13.5px;\n    }\n  }\n<\/style>\n\n<div class=\"tu-maturity-card\">\n\n  <div class=\"tu-maturity-card__marker\" aria-hidden=\"true\">\n    \u2192\n  <\/div>\n\n  <div class=\"tu-maturity-card__content\">\n\n    <strong>\n      Avalie a maturidade da gest\u00e3o de riscos\n    <\/strong>\n\n    <p>\n      A Tecnologia \u00danica pode apoiar o mapeamento entre a pol\u00edtica documentada\n      e os sistemas que sustentam sua execu\u00e7\u00e3o, identificando controles manuais,\n      lacunas de integra\u00e7\u00e3o e pontos de depend\u00eancia.\n    <\/p>\n\n  <\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Controle efetivo das opera\u00e7\u00f5es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cedentes e resseguradores locais devem manter controle efetivo sobre:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contratos realizados.<\/li>\n\n\n\n<li>Carteira de riscos cedida e aceita.<\/li>\n\n\n\n<li>Intermedi\u00e1rios.<\/li>\n\n\n\n<li>Pr\u00eamios estimados.<\/li>\n\n\n\n<li>Pr\u00eamios efetivos.<\/li>\n\n\n\n<li>Recupera\u00e7\u00f5es de sinistros e eventos cobertos.<\/li>\n\n\n\n<li>Outras informa\u00e7\u00f5es relevantes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Esses dados devem permanecer \u00e0 disposi\u00e7\u00e3o da Susep.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O requisito refor\u00e7a a necessidade de conectar informa\u00e7\u00f5es contratuais, financeiras e operacionais. Um registro isolado do contrato n\u00e3o \u00e9 suficiente quando os valores, altera\u00e7\u00f5es, pagamentos e recupera\u00e7\u00f5es permanecem em fontes separadas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Essa conex\u00e3o tamb\u00e9m depende de como o <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/core-system-de-seguros\/\">core system de seguros<\/a><\/strong> organiza os dados de ap\u00f3lices e sua comunica\u00e7\u00e3o com os demais sistemas da opera\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cosseguro: o que muda na pr\u00e1tica<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A resolu\u00e7\u00e3o consolida regras de cosseguro alinhadas ao novo marco legal do contrato de seguro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre as determina\u00e7\u00f5es:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O cosseguro pode ser documentado em um ou mais instrumentos emitidos por cada cossegurador, desde que tenham o mesmo conte\u00fado.<\/li>\n\n\n\n<li>O descumprimento de obriga\u00e7\u00f5es entre os cosseguradores n\u00e3o pode prejudicar o segurado, o benefici\u00e1rio ou terceiros.<\/li>\n\n\n\n<li>N\u00e3o \u00e9 permitida opera\u00e7\u00e3o de cosseguro sem efetiva assun\u00e7\u00e3o de responsabilidade.<\/li>\n\n\n\n<li>Cada cossegurador responde pela sua cota de garantia.<\/li>\n\n\n\n<li>N\u00e3o h\u00e1 solidariedade entre cosseguradores, salvo previs\u00e3o contratual em sentido diferente.<\/li>\n\n\n\n<li>Opera\u00e7\u00f5es que envolvam cooperativas de seguros tamb\u00e9m devem seguir as normas gerais aplic\u00e1veis a essas entidades.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Na pr\u00e1tica, a opera\u00e7\u00e3o precisa conseguir demonstrar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Participa\u00e7\u00e3o de cada cossegurador.<\/li>\n\n\n\n<li>Limite de responsabilidade.<\/li>\n\n\n\n<li>Conte\u00fado dos instrumentos emitidos.<\/li>\n\n\n\n<li>Exist\u00eancia de cl\u00e1usula de solidariedade, quando aplic\u00e1vel.<\/li>\n\n\n\n<li>Pagamentos e valores correspondentes a cada participa\u00e7\u00e3o.<\/li>\n\n\n\n<li>Altera\u00e7\u00f5es posteriores.<\/li>\n\n\n\n<li>Documenta\u00e7\u00e3o dispon\u00edvel ao segurado.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Controles paralelos aumentam a dificuldade de manter vers\u00f5es consistentes e identificar a responsabilidade de cada participante.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Outras frentes disciplinadas pela resolu\u00e7\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Embora os prazos e a governan\u00e7a do resseguro concentrem boa parte do impacto operacional, a Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026 tamb\u00e9m abrange:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aceite de resseguro e retrocess\u00e3o de cedentes no exterior.<\/li>\n\n\n\n<li>Aceite de riscos diretos do exterior.<\/li>\n\n\n\n<li>Transfer\u00eancias para resseguradores n\u00e3o autorizados a operar no pa\u00eds.<\/li>\n\n\n\n<li>Regula\u00e7\u00e3o e controle de sinistros.<\/li>\n\n\n\n<li>Opera\u00e7\u00f5es em moeda estrangeira.<\/li>\n\n\n\n<li>Contrata\u00e7\u00e3o de seguro no exterior.<\/li>\n\n\n\n<li>Atua\u00e7\u00e3o e documenta\u00e7\u00e3o das corretoras de resseguro.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Institui\u00e7\u00f5es com opera\u00e7\u00f5es internacionais ou contratos em moeda estrangeira devem avaliar essas disposi\u00e7\u00f5es separadamente, considerando a natureza de cada risco e a regulamenta\u00e7\u00e3o complementar aplic\u00e1vel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que costuma dar errado na pr\u00e1tica<\/h2>\n\n\n\n<!-- TABELA TECNOLOGIA \u00daNICA \u2014 ERROS RECORRENTES -->\n\n<style>\n  .tu-risk-table,\n  .tu-risk-table * {\n    box-sizing: border-box;\n  }\n\n  .tu-risk-table {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-line: #E4E4E4;\n    --tu-soft: #FAFAFA;\n    --tu-text-soft: #525252;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n    padding: 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n    color: var(--tu-black);\n  }\n\n  \/* CONTAINER *\/\n\n  .tu-risk-table__container {\n    width: 100%;\n    max-width: 100%;\n    margin: 0;\n    padding: 0;\n\n    overflow: hidden;\n\n    background: var(--tu-white);\n    border: 1px solid #D8D8D8;\n    border-radius: 12px;\n  }\n\n  \/* TABELA *\/\n\n  .tu-risk-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-risk-table th,\n  .tu-risk-table td {\n    margin: 0;\n    padding: 14px 15px;\n\n    vertical-align: top;\n    text-align: left;\n\n    overflow-wrap: break-word;\n    word-break: normal;\n    hyphens: auto;\n  }\n\n  \/* CABE\u00c7ALHO *\/\n\n  .tu-risk-table thead th {\n    background: var(--tu-red);\n    color: var(--tu-black);\n\n 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width: 4px;\n\n    background: var(--tu-red);\n  }\n\n  .tu-risk-table .tu-why {\n    width: 26%;\n  }\n\n  .tu-risk-table .tu-consequence {\n    width: 24%;\n    color: var(--tu-text-soft);\n  }\n\n  .tu-risk-table .tu-action {\n    width: 26%;\n  }\n\n  \/* DESTAQUES *\/\n\n  .tu-risk-highlight {\n    display: inline;\n\n    padding: 1px 4px;\n\n    background: rgba(221, 78, 75, 0.13);\n    border-radius: 4px;\n\n    color: #A5312F;\n    font-weight: 700;\n\n    box-decoration-break: clone;\n    -webkit-box-decoration-break: clone;\n  }\n\n  \/* TABLET *\/\n\n  @media (max-width: 900px) and (min-width: 681px) {\n\n    .tu-risk-table th,\n    .tu-risk-table td {\n      padding: 12px 10px;\n    }\n\n    .tu-risk-table thead th {\n      font-size: 11.5px;\n    }\n\n    .tu-risk-table tbody td {\n      font-size: 12px;\n    }\n\n    .tu-risk-table .tu-error {\n      width: 23%;\n      padding-left: 15px;\n    }\n\n    .tu-risk-table .tu-why {\n      width: 26%;\n    }\n\n    .tu-risk-table .tu-consequence {\n      width: 24%;\n    }\n\n    .tu-risk-table .tu-action {\n      width: 27%;\n    }\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 680px) {\n\n    .tu-risk-table {\n      margin: 20px 0;\n    }\n\n    .tu-risk-table__container {\n      overflow: visible;\n\n      background: transparent;\n      border: 0;\n      border-radius: 0;\n    }\n\n    .tu-risk-table table,\n    .tu-risk-table tbody,\n    .tu-risk-table tr,\n    .tu-risk-table td {\n      display: block;\n\n      width: 100% !important;\n      max-width: 100% !important;\n    }\n\n    .tu-risk-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-risk-table tbody {\n      display: grid;\n      gap: 12px;\n    }\n\n    .tu-risk-table tbody tr {\n      overflow: hidden;\n\n      background: var(--tu-white);\n\n      border: 1px solid #DCDCDC;\n      border-radius: 10px;\n    }\n\n    .tu-risk-table tbody td,\n    .tu-risk-table tbody tr:nth-child(even) td {\n      width: 100% !important;\n\n      padding: 12px 14px;\n\n      background: var(--tu-white);\n\n      border-right: 0;\n      border-bottom: 1px solid var(--tu-line);\n\n      font-size: 13.5px;\n    }\n\n    .tu-risk-table tbody td:last-child {\n      border-bottom: 0;\n    }\n\n    .tu-risk-table tbody td::before {\n      display: block;\n\n      margin-bottom: 4px;\n\n      color: #6B6B6B;\n\n      font-size: 10px;\n      font-weight: 700;\n      line-height: 1.2;\n      letter-spacing: 0.04em;\n      text-transform: uppercase;\n\n      content: attr(data-label);\n    }\n\n    .tu-risk-table tbody .tu-error {\n      padding: 12px 14px;\n\n      background: var(--tu-red) !important;\n\n      border-bottom: 1px solid rgba(0, 0, 0, 0.15);\n\n      color: var(--tu-black);\n      font-size: 15px;\n    }\n\n    .tu-risk-table tbody .tu-error::before {\n      position: static;\n\n      display: block;\n\n      width: auto;\n      height: auto;\n\n      margin-bottom: 3px;\n\n      background: transparent;\n\n      color: rgba(0, 0, 0, 0.58);\n\n      content: attr(data-label);\n    }\n  }\n<\/style>\n\n\n<div class=\"tu-risk-table\">\n\n  <div class=\"tu-risk-table__container\">\n\n    <table>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Erro recorrente<\/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 class=\"tu-error\" data-label=\"Erro recorrente\">\n            Contagem manual da aceita\u00e7\u00e3o t\u00e1cita\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Propostas chegam por e-mail ou canais diferentes, sem registro centralizado.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Contrato formado pelo sil\u00eancio sem identifica\u00e7\u00e3o no momento adequado.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Centralizar a recep\u00e7\u00e3o e vincular cada proposta ao respectivo prazo.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Falta de comprova\u00e7\u00e3o da recep\u00e7\u00e3o\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            O envio \u00e9 registrado, mas n\u00e3o h\u00e1 evid\u00eancia de recebimento.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Dificuldade para definir o in\u00edcio da contagem dos\n            <span class=\"tu-risk-highlight\">20 dias<\/span>.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Armazenar comprovantes e eventos vinculados \u00e0 proposta.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Formaliza\u00e7\u00e3o fora do prazo de 90 dias\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Aprova\u00e7\u00f5es manuais, trocas de vers\u00e3o e aus\u00eancia de respons\u00e1veis claros.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Descumprimento do prazo regulamentar e exposi\u00e7\u00e3o a san\u00e7\u00f5es.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Criar fluxo de formaliza\u00e7\u00e3o com respons\u00e1veis e alertas.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Endosso sem controle pr\u00f3prio\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            O prazo \u00e9 confundido com o do contrato original.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Atrasos e perda de rastreabilidade das altera\u00e7\u00f5es.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Registrar o endosso como evento independente.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Uso da nota de cobertura como substituta do contrato\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Confus\u00e3o entre confirma\u00e7\u00e3o de coloca\u00e7\u00e3o e formaliza\u00e7\u00e3o contratual.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Contrato permanece sem a formaliza\u00e7\u00e3o exigida.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Diferenciar documentos e acompanhar a assinatura do contrato.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Justificativa t\u00e9cnica incompleta\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Percentuais s\u00e3o calculados apenas no fim do per\u00edodo.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Falta de dados e fundamentos at\u00e9\n            <span class=\"tu-risk-highlight\">31 de mar\u00e7o<\/span>.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Monitorar percentuais ao longo do ano.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Cadastro de contraparte desatualizado\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Cooperativas e administradoras ainda n\u00e3o foram reclassificadas.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Opera\u00e7\u00e3o incompat\u00edvel com as permiss\u00f5es da norma.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Revisar cadastros, perfis e regras de elegibilidade.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Falta de evid\u00eancia da oferta preferencial\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Consultas s\u00e3o conduzidas sem hist\u00f3rico centralizado.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Dificuldade para demonstrar tratamento equ\u00e2nime.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Registrar participantes, dados enviados e condi\u00e7\u00f5es oferecidas.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Conhecimento concentrado em poucas pessoas\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Processos foram constru\u00eddos ao longo do tempo sem documenta\u00e7\u00e3o.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Perda de continuidade em f\u00e9rias, desligamentos ou picos de volume.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Estruturar regras, hist\u00f3rico e responsabilidades no sistema.\n          <\/td>\n        <\/tr>\n\n\n        <tr>\n          <td class=\"tu-error\" data-label=\"Erro recorrente\">\n            Sistemas desconectados\n          <\/td>\n\n          <td class=\"tu-why\" data-label=\"Por que acontece\">\n            Dados contratuais e financeiros ficam em fontes diferentes.\n          <\/td>\n\n          <td class=\"tu-consequence\" data-label=\"Consequ\u00eancia poss\u00edvel\">\n            Retrabalho, diverg\u00eancias e baixa capacidade de auditoria.\n          <\/td>\n\n          <td class=\"tu-action\" data-label=\"Como reduzir o risco\">\n            Integrar a gest\u00e3o de resseguro ao sistema de ap\u00f3lices.\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\">Quando faz sentido agir agora e quando \u00e9 poss\u00edvel aguardar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O artigo 45 determina que as opera\u00e7\u00f5es cujo in\u00edcio da vig\u00eancia da cobertura seja anterior a 2 de janeiro de 2027 devem se adaptar \u00e0 nova resolu\u00e7\u00e3o no momento da renova\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os contratos celebrados a partir da entrada em vigor da norma j\u00e1 dever\u00e3o observar seus crit\u00e9rios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Isso significa que o n\u00edvel de urg\u00eancia varia conforme a carteira.<\/p>\n\n\n\n<!-- CARDS TECNOLOGIA \u00daNICA \u2014 PRIORIDADE DE ADEQUA\u00c7\u00c3O -->\n\n<style>\n  .tu-decision-cards,\n  .tu-decision-cards * {\n    box-sizing: border-box;\n  }\n\n  .tu-decision-cards {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-coral: #E47F79;\n    --tu-gray: #A8A9AC;\n    --tu-white: #FFFFFF;\n    --tu-light: #F7F7F7;\n    --tu-line: #E3E3E3;\n    --tu-text-soft: #525252;\n\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 18px;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 24px 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n    color: var(--tu-black);\n  }\n\n  .tu-decision-card {\n    position: relative;\n    overflow: hidden;\n\n    min-width: 0;\n    padding: 24px;\n\n    background: var(--tu-white);\n    border: 1px solid #DCDCDC;\n    border-radius: 16px 16px 4px 16px;\n  }\n\n  \/* CARD PRIORIDADE *\/\n\n  .tu-decision-card--priority {\n    border-top: 6px solid var(--tu-red);\n  }\n\n  \/* CARD MONITORAMENTO *\/\n\n  .tu-decision-card--monitor {\n    border-top: 6px solid var(--tu-black);\n  }\n\n  .tu-decision-card__title {\n    margin: 0 0 18px !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n    font-size: 20px;\n    font-weight: 700;\n    line-height: 1.3;\n  }\n\n  .tu-decision-card ul {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    list-style: none;\n  }\n\n  .tu-decision-card li {\n    position: relative;\n\n    margin: 0;\n    padding: 11px 0 11px 22px;\n\n    border-bottom: 1px solid var(--tu-line);\n\n    color: #2C2C2C;\n    font-size: 14px;\n    line-height: 1.5;\n  }\n\n  .tu-decision-card li:last-child {\n    padding-bottom: 0;\n    border-bottom: 0;\n  }\n\n  .tu-decision-card li:first-child {\n    padding-top: 0;\n  }\n\n  .tu-decision-card li::before {\n    content: \"\";\n\n    position: absolute;\n    left: 0;\n    top: 18px;\n\n    width: 8px;\n    height: 8px;\n\n    border-radius: 50%;\n  }\n\n  .tu-decision-card li:first-child::before {\n    top: 7px;\n  }\n\n  .tu-decision-card--priority li::before {\n    background: var(--tu-red);\n  }\n\n  .tu-decision-card--monitor li::before {\n    background: var(--tu-black);\n  }\n\n  \/* DESTAQUE SUTIL DO PRIMEIRO CARD *\/\n\n  .tu-decision-card--priority::after {\n    content: \"\";\n\n    position: absolute;\n    top: -40px;\n    right: -40px;\n\n    width: 110px;\n    height: 110px;\n\n    background: rgba(221, 78, 75, 0.07);\n    border-radius: 50%;\n\n    pointer-events: none;\n  }\n\n  \/* MOBILE *\/\n\n  @media (max-width: 760px) {\n\n    .tu-decision-cards {\n      grid-template-columns: 1fr;\n      gap: 14px;\n      margin: 20px 0;\n    }\n\n    .tu-decision-card {\n      padding: 20px;\n      border-radius: 14px 14px 4px 14px;\n    }\n\n    .tu-decision-card__title {\n      font-size: 18px;\n    }\n\n    .tu-decision-card li {\n      font-size: 13.5px;\n    }\n  }\n<\/style>\n\n\n<div class=\"tu-decision-cards\">\n\n  <!-- CARD 1 -->\n  <section class=\"tu-decision-card tu-decision-card--priority\">\n\n    <h3 class=\"tu-decision-card__title\">\n      Faz sentido priorizar a adequa\u00e7\u00e3o agora quando:\n    <\/h3>\n\n    <ul>\n      <li>\n        H\u00e1 contratos com renova\u00e7\u00e3o prevista para o in\u00edcio de 2027.\n      <\/li>\n\n      <li>\n        A opera\u00e7\u00e3o concentra renova\u00e7\u00f5es em um per\u00edodo curto.\n      <\/li>\n\n      <li>\n        O prazo de propostas e contratos j\u00e1 depende de acompanhamento manual.\n      <\/li>\n\n      <li>\n        H\u00e1 dificuldade para comprovar a recep\u00e7\u00e3o das propostas.\n      <\/li>\n\n      <li>\n        Diferentes \u00e1reas mant\u00eam vers\u00f5es pr\u00f3prias dos documentos.\n      <\/li>\n\n      <li>\n        A opera\u00e7\u00e3o envolve cooperativas ou administradoras de prote\u00e7\u00e3o patrimonial mutualista.\n      <\/li>\n\n      <li>\n        Os percentuais de cess\u00e3o ou retrocess\u00e3o se aproximam dos limites.\n      <\/li>\n\n      <li>\n        A consolida\u00e7\u00e3o de dados depende de planilhas.\n      <\/li>\n\n      <li>\n        O sistema de resseguro n\u00e3o se integra \u00e0 administra\u00e7\u00e3o de ap\u00f3lices.\n      <\/li>\n\n      <li>\n        Mudan\u00e7as de regras exigem desenvolvimento demorado no sistema atual.\n      <\/li>\n    <\/ul>\n\n  <\/section>\n\n\n  <!-- CARD 2 -->\n  <section class=\"tu-decision-card tu-decision-card--monitor\">\n\n    <h3 class=\"tu-decision-card__title\">\n      Pode ser poss\u00edvel aguardar, com monitoramento ativo, quando:\n    <\/h3>\n\n    <ul>\n      <li>\n        As renova\u00e7\u00f5es est\u00e3o previstas para um per\u00edodo posterior.\n      <\/li>\n\n      <li>\n        O volume de contratos permanece reduzido.\n      <\/li>\n\n      <li>\n        Os prazos s\u00e3o registrados de forma confi\u00e1vel.\n      <\/li>\n\n      <li>\n        A opera\u00e7\u00e3o consegue reunir informa\u00e7\u00f5es sem reconstru\u00e7\u00e3o manual.\n      <\/li>\n\n      <li>\n        H\u00e1 respons\u00e1veis e procedimentos documentados.\n      <\/li>\n\n      <li>\n        A estrutura atual consegue ser parametrizada antes das renova\u00e7\u00f5es.\n      <\/li>\n    <\/ul>\n\n  <\/section>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A decis\u00e3o de aguardar n\u00e3o significa deixar a adequa\u00e7\u00e3o para depois. Significa usar o per\u00edodo dispon\u00edvel para organizar um cronograma proporcional ao risco e \u00e0 maturidade da opera\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leia tamb\u00e9m: <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/como-modernizar-sistemas-legados-em-seguradoras\/\">Como modernizar sistemas legados em seguradoras?<\/a><\/strong><\/p>\n\n\n\n<!-- =========================================================\nCHECKLIST INTERATIVA \u2014 TECNOLOGIA \u00daNICA\nRESOLU\u00c7\u00c3O CNSP N\u00ba 494\/2026\nPronto para WordPress > HTML Personalizado\n========================================================= -->\n\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600;700&#038;display=swap\" rel=\"stylesheet\">\n\n<style>\n  .tu-checklist,\n  .tu-checklist * {\n    box-sizing: border-box;\n  }\n\n  .tu-checklist {\n    --tu-red: #DD4E4B;\n    --tu-black: #000000;\n    --tu-white: #FFFFFF;\n    --tu-gray: #A8A9AC;\n    --tu-blue: #36A6B2;\n    --tu-yellow: #FBD347;\n\n    --tu-bg: #F7F7F7;\n    --tu-soft: #FAFAFA;\n    --tu-line: #E4E4E4;\n    --tu-text: #292929;\n    --tu-text-soft: #555555;\n\n    width: 100%;\n    max-width: 100%;\n    margin: 28px 0;\n    padding: 0;\n\n    font-family: \"DM Sans\", Arial, sans-serif;\n    color: var(--tu-black);\n  }\n\n  \/* =========================================================\n     INTRO\n  ========================================================= *\/\n\n  .tu-checklist__intro {\n    width: 100%;\n    margin: 0 0 20px;\n    padding: 0;\n  }\n\n  .tu-checklist__title {\n    margin: 0 0 8px !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n\n    font-size: clamp(23px, 3vw, 30px);\n    font-weight: 700;\n    line-height: 1.2;\n    letter-spacing: -0.02em;\n  }\n\n  .tu-checklist__description {\n    max-width: 780px;\n\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-text-soft);\n\n    font-size: 15px;\n    line-height: 1.55;\n  }\n\n  \/* =========================================================\n     RESUMO \/ PROGRESSO\n  ========================================================= *\/\n\n  .tu-checklist__summary {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    gap: 22px;\n    align-items: center;\n\n    width: 100%;\n    margin: 0 0 18px;\n    padding: 20px 22px;\n\n    background: var(--tu-black);\n    border-radius: 16px 16px 4px 16px;\n\n    color: var(--tu-white);\n  }\n\n  .tu-checklist__summary-main {\n    min-width: 0;\n  }\n\n  .tu-checklist__summary-label {\n    display: block;\n\n    margin: 0 0 8px;\n\n    color: rgba(255, 255, 255, 0.68);\n\n    font-size: 11px;\n    font-weight: 700;\n    line-height: 1.2;\n    letter-spacing: 0.06em;\n    text-transform: uppercase;\n  }\n\n  .tu-checklist__summary-title {\n    margin: 0 0 13px !important;\n    padding: 0 !important;\n\n    color: var(--tu-white);\n\n    font-size: 18px;\n    font-weight: 600;\n    line-height: 1.35;\n  }\n\n  .tu-checklist__progress-track {\n    width: 100%;\n    height: 8px;\n\n    overflow: hidden;\n\n    background: rgba(255, 255, 255, 0.16);\n    border-radius: 999px;\n  }\n\n  .tu-checklist__progress-bar {\n    width: 0%;\n    height: 100%;\n\n    background: var(--tu-red);\n    border-radius: inherit;\n\n    transition: width 0.3s ease;\n  }\n\n  .tu-checklist__counter {\n    min-width: 120px;\n    text-align: right;\n  }\n\n  .tu-checklist__counter-number {\n    display: block;\n\n    color: var(--tu-red);\n\n    font-size: 34px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-checklist__counter-text {\n    display: block;\n\n    margin-top: 5px;\n\n    color: rgba(255, 255, 255, 0.72);\n\n    font-size: 12px;\n    line-height: 1.35;\n  }\n\n  \/* =========================================================\n     GRUPOS\n  ========================================================= *\/\n\n  .tu-checklist__groups {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 16px;\n\n    width: 100%;\n  }\n\n  .tu-checklist__group {\n    min-width: 0;\n    overflow: hidden;\n\n    background: var(--tu-white);\n\n    border: 1px solid #DCDCDC;\n    border-radius: 14px 14px 4px 14px;\n  }\n\n  .tu-checklist__group-header {\n    padding: 15px 18px;\n\n    background: var(--tu-red);\n    border-bottom: 1px solid rgba(0, 0, 0, 0.12);\n  }\n\n  .tu-checklist__group-title {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n\n    font-size: 16px;\n    font-weight: 700;\n    line-height: 1.3;\n  }\n\n  .tu-checklist__items {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    list-style: none !important;\n  }\n\n  .tu-checklist__item {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    list-style: none !important;\n\n    border-bottom: 1px solid var(--tu-line);\n  }\n\n  .tu-checklist__item:last-child {\n    border-bottom: 0;\n  }\n\n  \/* =========================================================\n     CHECKBOXES\n  ========================================================= *\/\n\n  .tu-checklist__label {\n    display: grid;\n    grid-template-columns: 24px minmax(0, 1fr);\n    gap: 12px;\n    align-items: flex-start;\n\n    width: 100%;\n\n    margin: 0;\n    padding: 14px 16px;\n\n    cursor: pointer;\n\n    transition: background 0.18s ease;\n  }\n\n  .tu-checklist__label:hover {\n    background: #FFF7F7;\n  }\n\n  .tu-checklist__input {\n    position: absolute;\n\n    width: 1px;\n    height: 1px;\n\n    opacity: 0;\n    pointer-events: none;\n  }\n\n  .tu-checklist__box {\n    position: relative;\n\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 22px;\n    height: 22px;\n\n    margin-top: 1px;\n\n    flex: 0 0 auto;\n\n    background: var(--tu-white);\n    border: 1.5px solid #AFAFAF;\n    border-radius: 6px;\n\n    transition:\n      background 0.18s ease,\n      border-color 0.18s ease,\n      transform 0.18s ease;\n  }\n\n  .tu-checklist__box::after {\n    content: \"\";\n\n    width: 9px;\n    height: 5px;\n\n    margin-top: -2px;\n\n    border-left: 2px solid var(--tu-black);\n    border-bottom: 2px solid var(--tu-black);\n\n    opacity: 0;\n\n    transform: rotate(-45deg) scale(0.7);\n\n    transition:\n      opacity 0.15s ease,\n      transform 0.15s ease;\n  }\n\n  .tu-checklist__input:checked + .tu-checklist__box {\n    background: var(--tu-red);\n    border-color: var(--tu-red);\n  }\n\n  .tu-checklist__input:checked + .tu-checklist__box::after {\n    opacity: 1;\n\n    transform: rotate(-45deg) scale(1);\n  }\n\n  .tu-checklist__input:focus-visible + .tu-checklist__box {\n    outline: 3px solid rgba(221, 78, 75, 0.25);\n    outline-offset: 2px;\n  }\n\n  .tu-checklist__text {\n    color: var(--tu-text);\n\n    font-size: 14px;\n    font-weight: 400;\n    line-height: 1.48;\n  }\n\n  .tu-checklist__input:checked\n    ~ .tu-checklist__text {\n    color: #5C5C5C;\n  }\n\n  \/* =========================================================\n     DIAGN\u00d3STICO\n  ========================================================= *\/\n\n  .tu-checklist__diagnosis {\n    width: 100%;\n\n    margin-top: 18px;\n\n    overflow: hidden;\n\n    background: var(--tu-white);\n\n    border: 1px solid #DCDCDC;\n    border-radius: 16px 16px 4px 16px;\n  }\n\n  .tu-checklist__diagnosis-top {\n    display: grid;\n    grid-template-columns: auto minmax(0, 1fr);\n    gap: 16px;\n    align-items: center;\n\n    padding: 20px 22px;\n\n    background: var(--tu-bg);\n\n    border-bottom: 1px solid var(--tu-line);\n  }\n\n  .tu-checklist__diagnosis-number {\n    display: flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 64px;\n    height: 64px;\n\n    background: var(--tu-black);\n    border-radius: 50%;\n\n    color: var(--tu-white);\n\n    font-size: 24px;\n    font-weight: 700;\n    line-height: 1;\n  }\n\n  .tu-checklist__diagnosis-kicker {\n    display: block;\n\n    margin-bottom: 4px;\n\n    color: #777777;\n\n    font-size: 10px;\n    font-weight: 700;\n    line-height: 1.2;\n    letter-spacing: 0.06em;\n    text-transform: uppercase;\n  }\n\n  .tu-checklist__diagnosis-title {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n\n    font-size: 18px;\n    font-weight: 700;\n    line-height: 1.3;\n  }\n\n  .tu-checklist__diagnosis-body {\n    padding: 19px 22px 21px;\n  }\n\n  .tu-checklist__diagnosis-text {\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: #363636;\n\n    font-size: 14px;\n    line-height: 1.58;\n  }\n\n  \/* ESTADOS *\/\n\n  .tu-checklist__diagnosis[data-level=\"neutral\"] {\n    border-top: 5px solid var(--tu-black);\n  }\n\n  .tu-checklist__diagnosis[data-level=\"good\"] {\n    border-top: 5px solid var(--tu-blue);\n  }\n\n  .tu-checklist__diagnosis[data-level=\"attention\"] {\n    border-top: 5px solid var(--tu-yellow);\n  }\n\n  .tu-checklist__diagnosis[data-level=\"critical\"] {\n    border-top: 5px solid var(--tu-red);\n  }\n\n  \/* =========================================================\n     CTA FINAL\n  ========================================================= *\/\n\n  .tu-checklist__cta {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) auto;\n    gap: 24px;\n    align-items: center;\n\n    width: 100%;\n\n    margin-top: 16px;\n    padding: 22px;\n\n    background: var(--tu-red);\n\n    border: 1px solid var(--tu-black);\n    border-radius: 16px 16px 4px 16px;\n  }\n\n  .tu-checklist__cta-content {\n    min-width: 0;\n  }\n\n  .tu-checklist__cta-title {\n    margin: 0 0 6px !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n\n    font-size: 18px;\n    font-weight: 700;\n    line-height: 1.3;\n  }\n\n  .tu-checklist__cta-text {\n    max-width: 700px;\n\n    margin: 0 !important;\n    padding: 0 !important;\n\n    color: var(--tu-black);\n\n    font-size: 14px;\n    line-height: 1.55;\n  }\n\n  .tu-checklist__cta-actions {\n    display: flex;\n    flex-direction: column;\n    gap: 9px;\n\n    width: 190px;\n    min-width: 190px;\n  }\n\n  \/* CTA PRINCIPAL *\/\n\n  .tu-checklist__cta-button {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 100%;\n    min-height: 44px;\n\n    margin: 0;\n    padding: 11px 16px;\n\n    background: var(--tu-black);\n    border: 1px solid var(--tu-black);\n    border-radius: 999px;\n\n    color: var(--tu-white) !important;\n\n    font-family: inherit;\n    font-size: 13px;\n    font-weight: 700;\n    line-height: 1.2;\n    text-align: center;\n    text-decoration: none !important;\n\n    cursor: pointer;\n\n    transition:\n      background 0.18s ease,\n      color 0.18s ease,\n      transform 0.18s ease;\n  }\n\n  .tu-checklist__cta-button:hover {\n    background: var(--tu-white);\n\n    color: var(--tu-black) !important;\n  }\n\n  .tu-checklist__cta-button:focus-visible {\n    outline: 3px solid rgba(0, 0, 0, 0.22);\n    outline-offset: 3px;\n  }\n\n  .tu-checklist__cta-button:active {\n    transform: translateY(1px);\n  }\n\n  \/* BOT\u00c3O LIMPAR *\/\n\n  .tu-checklist__reset {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n\n    width: 100%;\n    min-height: 40px;\n\n    margin: 0;\n    padding: 9px 14px;\n\n    background: transparent;\n\n    border: 1px solid rgba(0, 0, 0, 0.48);\n    border-radius: 999px;\n\n    color: var(--tu-black);\n\n    font-family: inherit;\n    font-size: 12px;\n    font-weight: 700;\n    line-height: 1.2;\n\n    cursor: pointer;\n\n    transition:\n      background 0.18s ease,\n      border-color 0.18s ease,\n      transform 0.18s ease;\n  }\n\n  .tu-checklist__reset:hover {\n    background: rgba(255, 255, 255, 0.5);\n\n    border-color: var(--tu-black);\n  }\n\n  .tu-checklist__reset:focus-visible {\n    outline: 3px solid rgba(0, 0, 0, 0.18);\n    outline-offset: 3px;\n  }\n\n  .tu-checklist__reset:active {\n    transform: translateY(1px);\n  }\n\n  \/* =========================================================\n     TABLET\n  ========================================================= *\/\n\n  @media (max-width: 900px) {\n\n    .tu-checklist__groups {\n      gap: 14px;\n    }\n\n    .tu-checklist__group-header {\n      padding: 14px 15px;\n    }\n\n    .tu-checklist__label {\n      padding: 13px 14px;\n    }\n\n    .tu-checklist__text {\n      font-size: 13.5px;\n    }\n  }\n\n  \/* =========================================================\n     MOBILE\n  ========================================================= *\/\n\n  @media (max-width: 780px) {\n\n    .tu-checklist__groups {\n      grid-template-columns: 1fr;\n    }\n\n    .tu-checklist__summary {\n      grid-template-columns: 1fr;\n      gap: 16px;\n    }\n\n    .tu-checklist__counter {\n      display: flex;\n      align-items: baseline;\n      gap: 7px;\n\n      min-width: 0;\n\n      text-align: left;\n    }\n\n    .tu-checklist__counter-number {\n      font-size: 30px;\n    }\n\n    .tu-checklist__counter-text {\n      margin: 0;\n    }\n\n    .tu-checklist__cta {\n      grid-template-columns: 1fr;\n      gap: 18px;\n    }\n\n    .tu-checklist__cta-actions {\n      width: 100%;\n      min-width: 0;\n    }\n  }\n\n  @media (max-width: 520px) {\n\n    .tu-checklist {\n      margin: 22px 0;\n    }\n\n    .tu-checklist__title {\n      font-size: 23px;\n    }\n\n    .tu-checklist__description {\n      font-size: 14px;\n    }\n\n    .tu-checklist__summary {\n      padding: 18px;\n      border-radius: 14px 14px 4px 14px;\n    }\n\n    .tu-checklist__group {\n      border-radius: 12px 12px 4px 12px;\n    }\n\n    .tu-checklist__group-header {\n      padding: 14px 15px;\n    }\n\n    .tu-checklist__group-title {\n      font-size: 15px;\n    }\n\n    .tu-checklist__label {\n      padding: 13px 14px;\n    }\n\n    .tu-checklist__text {\n      font-size: 13.5px;\n    }\n\n    .tu-checklist__diagnosis-top {\n      grid-template-columns: 54px minmax(0, 1fr);\n\n      padding: 17px;\n    }\n\n    .tu-checklist__diagnosis-number {\n      width: 54px;\n      height: 54px;\n\n      font-size: 21px;\n    }\n\n    .tu-checklist__diagnosis-title {\n      font-size: 16px;\n    }\n\n    .tu-checklist__diagnosis-body {\n      padding: 17px;\n    }\n\n    .tu-checklist__cta {\n      padding: 19px;\n\n      border-radius: 14px 14px 4px 14px;\n    }\n\n    .tu-checklist__cta-title {\n      font-size: 17px;\n    }\n  }\n<\/style>\n\n\n<div class=\"tu-checklist\" id=\"tuCNSPChecklist\">\n\n  <!-- INTRO -->\n\n  <div class=\"tu-checklist__intro\">\n\n    <h2 class=\"tu-checklist__title\">\n      Checklist: sua opera\u00e7\u00e3o est\u00e1 pronta para a Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026?\n    <\/h2>\n\n    <p class=\"tu-checklist__description\">\n      Use o checklist para mapear os principais pontos de aten\u00e7\u00e3o antes de\n      2 de janeiro de 2027. Marque os controles que sua opera\u00e7\u00e3o j\u00e1 atende.\n    <\/p>\n\n  <\/div>\n\n\n  <!-- PROGRESSO -->\n\n  <div class=\"tu-checklist__summary\">\n\n    <div class=\"tu-checklist__summary-main\">\n\n      <span class=\"tu-checklist__summary-label\">\n        Progresso da avalia\u00e7\u00e3o\n      <\/span>\n\n      <p class=\"tu-checklist__summary-title\">\n        <span id=\"tuChecked\">0<\/span> de\n        <span id=\"tuTotal\">26<\/span> pontos atendidos\n      <\/p>\n\n      <div\n        class=\"tu-checklist__progress-track\"\n        id=\"tuProgress\"\n        role=\"progressbar\"\n        aria-label=\"Progresso da checklist\"\n        aria-valuemin=\"0\"\n        aria-valuemax=\"26\"\n        aria-valuenow=\"0\"\n      >\n        <div\n          class=\"tu-checklist__progress-bar\"\n          id=\"tuProgressBar\"\n        ><\/div>\n      <\/div>\n\n    <\/div>\n\n\n    <div class=\"tu-checklist__counter\">\n\n      <span\n        class=\"tu-checklist__counter-number\"\n        id=\"tuPercent\"\n      >\n        0%\n      <\/span>\n\n      <span class=\"tu-checklist__counter-text\">\n        da checklist conclu\u00edda\n      <\/span>\n\n    <\/div>\n\n  <\/div>\n\n\n  <!-- GRUPOS -->\n\n  <div class=\"tu-checklist__groups\">\n\n\n    <!-- 1 -->\n\n    <section class=\"tu-checklist__group\">\n\n      <div class=\"tu-checklist__group-header\">\n        <h3 class=\"tu-checklist__group-title\">\n          Propostas e aceita\u00e7\u00e3o t\u00e1cita\n        <\/h3>\n      <\/div>\n\n      <ul class=\"tu-checklist__items\">\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n\n            <input\n              class=\"tu-checklist__input\"\n              type=\"checkbox\"\n            >\n\n            <span class=\"tu-checklist__box\"><\/span>\n\n            <span class=\"tu-checklist__text\">\n              A data de recep\u00e7\u00e3o de cada proposta \u00e9 registrada de forma comprov\u00e1vel.\n            <\/span>\n\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n\n            <input\n              class=\"tu-checklist__input\"\n              type=\"checkbox\"\n            >\n\n            <span class=\"tu-checklist__box\"><\/span>\n\n            <span class=\"tu-checklist__text\">\n              A opera\u00e7\u00e3o consegue calcular o prazo de 20 dias a partir da recep\u00e7\u00e3o.\n            <\/span>\n\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n\n            <input\n              class=\"tu-checklist__input\"\n              type=\"checkbox\"\n            >\n\n            <span class=\"tu-checklist__box\"><\/span>\n\n            <span class=\"tu-checklist__text\">\n              As manifesta\u00e7\u00f5es dos resseguradores ficam vinculadas \u00e0 proposta.\n            <\/span>\n\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n\n            <input\n              class=\"tu-checklist__input\"\n              type=\"checkbox\"\n            >\n\n            <span class=\"tu-checklist__box\"><\/span>\n\n            <span class=\"tu-checklist__text\">\n              Os endossos s\u00e3o tratados fora da regra de aceita\u00e7\u00e3o t\u00e1cita.\n            <\/span>\n\n          <\/label>\n        <\/li>\n\n      <\/ul>\n\n    <\/section>\n\n\n    <!-- 2 -->\n\n    <section class=\"tu-checklist__group\">\n\n      <div class=\"tu-checklist__group-header\">\n        <h3 class=\"tu-checklist__group-title\">\n          Contratos e endossos\n        <\/h3>\n      <\/div>\n\n      <ul class=\"tu-checklist__items\">\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Cada contrato possui data de in\u00edcio da cobertura registrada.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              O prazo de 90 dias \u00e9 acompanhado desde o in\u00edcio da vig\u00eancia.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os endossos possuem controle de prazo independente.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              A vers\u00e3o final e as assinaturas podem ser recuperadas com facilidade.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              A nota de cobertura n\u00e3o \u00e9 tratada como substituta do contrato.\n            <\/span>\n          <\/label>\n        <\/li>\n\n      <\/ul>\n\n    <\/section>\n\n\n    <!-- 3 -->\n\n    <section class=\"tu-checklist__group\">\n\n      <div class=\"tu-checklist__group-header\">\n        <h3 class=\"tu-checklist__group-title\">\n          Cess\u00f5es, retrocess\u00f5es e justificativas\n        <\/h3>\n      <\/div>\n\n      <ul class=\"tu-checklist__items\">\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os percentuais de cess\u00e3o s\u00e3o acompanhados durante o ano.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Resseguradores locais conseguem acompanhar os percentuais de retrocess\u00e3o.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os dados necess\u00e1rios \u00e0 justificativa t\u00e9cnica est\u00e3o centralizados.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Existe um processo definido para a entrega at\u00e9 31 de mar\u00e7o.\n            <\/span>\n          <\/label>\n        <\/li>\n\n      <\/ul>\n\n    <\/section>\n\n\n    <!-- 4 -->\n\n    <section class=\"tu-checklist__group\">\n\n      <div class=\"tu-checklist__group-header\">\n        <h3 class=\"tu-checklist__group-title\">\n          Oferta preferencial\n        <\/h3>\n      <\/div>\n\n      <ul class=\"tu-checklist__items\">\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os resseguradores consultados s\u00e3o registrados.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              As informa\u00e7\u00f5es fornecidas podem ser comparadas.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os termos, as condi\u00e7\u00f5es e os pre\u00e7os ficam documentados.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              A corretora consegue apresentar as evid\u00eancias da intermedia\u00e7\u00e3o.\n            <\/span>\n          <\/label>\n        <\/li>\n\n      <\/ul>\n\n    <\/section>\n\n\n    <!-- 5 -->\n\n    <section class=\"tu-checklist__group\">\n\n      <div class=\"tu-checklist__group-header\">\n        <h3 class=\"tu-checklist__group-title\">\n          Pol\u00edtica e governan\u00e7a\n        <\/h3>\n      <\/div>\n\n      <ul class=\"tu-checklist__items\">\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              A pol\u00edtica de transfer\u00eancia de riscos est\u00e1 atualizada.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              A concentra\u00e7\u00e3o por contraparte e grupo econ\u00f4mico \u00e9 monitorada.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os procedimentos operacionais est\u00e3o conectados \u00e0 pol\u00edtica.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os respons\u00e1veis por cada controle est\u00e3o definidos.\n            <\/span>\n          <\/label>\n        <\/li>\n\n      <\/ul>\n\n    <\/section>\n\n\n    <!-- 6 -->\n\n    <section class=\"tu-checklist__group\">\n\n      <div class=\"tu-checklist__group-header\">\n        <h3 class=\"tu-checklist__group-title\">\n          Sistemas e integra\u00e7\u00e3o\n        <\/h3>\n      <\/div>\n\n      <ul class=\"tu-checklist__items\">\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              O sistema de resseguro se integra \u00e0 administra\u00e7\u00e3o de ap\u00f3lices.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              Os dados contratuais, financeiros e operacionais s\u00e3o consistentes.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              A equipe n\u00e3o depende de planilhas individuais para fechar o processo.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              O hist\u00f3rico permanece dispon\u00edvel em caso de troca de respons\u00e1veis.\n            <\/span>\n          <\/label>\n        <\/li>\n\n        <li class=\"tu-checklist__item\">\n          <label class=\"tu-checklist__label\">\n            <input class=\"tu-checklist__input\" type=\"checkbox\">\n            <span class=\"tu-checklist__box\"><\/span>\n            <span class=\"tu-checklist__text\">\n              A estrutura consegue ser ajustada antes das renova\u00e7\u00f5es de 2027.\n            <\/span>\n          <\/label>\n        <\/li>\n\n      <\/ul>\n\n    <\/section>\n\n  <\/div>\n\n\n  <!-- DIAGN\u00d3STICO -->\n\n  <section\n    class=\"tu-checklist__diagnosis\"\n    id=\"tuDiagnosis\"\n    data-level=\"neutral\"\n    aria-live=\"polite\"\n  >\n\n    <div class=\"tu-checklist__diagnosis-top\">\n\n      <div\n        class=\"tu-checklist__diagnosis-number\"\n        id=\"tuMissing\"\n      >\n        26\n      <\/div>\n\n      <div>\n\n        <span class=\"tu-checklist__diagnosis-kicker\">\n          Pontos n\u00e3o atendidos\n        <\/span>\n\n        <h3\n          class=\"tu-checklist__diagnosis-title\"\n          id=\"tuDiagnosisTitle\"\n        >\n          Comece a avalia\u00e7\u00e3o\n        <\/h3>\n\n      <\/div>\n\n    <\/div>\n\n\n    <div class=\"tu-checklist__diagnosis-body\">\n\n      <p\n        class=\"tu-checklist__diagnosis-text\"\n        id=\"tuDiagnosisText\"\n      >\n        Marque os controles que sua opera\u00e7\u00e3o j\u00e1 atende. O diagn\u00f3stico ser\u00e1\n        atualizado automaticamente conforme o preenchimento.\n      <\/p>\n\n    <\/div>\n\n  <\/section>\n\n\n  <!-- CTA -->\n\n  <section class=\"tu-checklist__cta\">\n\n    <div class=\"tu-checklist__cta-content\">\n\n      <h3 class=\"tu-checklist__cta-title\">\n        Transforme o diagn\u00f3stico em um plano de adequa\u00e7\u00e3o\n      <\/h3>\n\n      <p class=\"tu-checklist__cta-text\">\n        A Tecnologia \u00danica pode apoiar a prioriza\u00e7\u00e3o dos pontos identificados,\n        respeitando o calend\u00e1rio contratual e a maturidade tecnol\u00f3gica da opera\u00e7\u00e3o.\n      <\/p>\n\n    <\/div>\n\n\n    <div class=\"tu-checklist__cta-actions\">\n\n      <a\n        class=\"tu-checklist__cta-button\"\n        href=\"https:\/\/tecnologiaunica.com.br\/contato\/?utm_source=blog&#038;utm_medium=artigo&#038;utm_campaign=cnsp_494&#038;utm_content=checklist\"\n        target=\"_blank\"\n        rel=\"noopener noreferrer\"\n      >\n        Falar com especialista\n      <\/a>\n\n      <button\n        type=\"button\"\n        class=\"tu-checklist__reset\"\n        id=\"tuResetChecklist\"\n      >\n        Limpar checklist\n      <\/button>\n\n    <\/div>\n\n  <\/section>\n\n<\/div>\n\n\n<script>\n(function () {\n\n  const checklist =\n    document.getElementById(\"tuCNSPChecklist\");\n\n  if (!checklist) return;\n\n\n  const inputs = Array.from(\n    checklist.querySelectorAll(\".tu-checklist__input\")\n  );\n\n  const total = inputs.length;\n\n\n  const checkedElement =\n    document.getElementById(\"tuChecked\");\n\n  const totalElement =\n    document.getElementById(\"tuTotal\");\n\n  const percentElement =\n    document.getElementById(\"tuPercent\");\n\n  const progress =\n    document.getElementById(\"tuProgress\");\n\n  const progressBar =\n    document.getElementById(\"tuProgressBar\");\n\n  const missingElement =\n    document.getElementById(\"tuMissing\");\n\n  const diagnosis =\n    document.getElementById(\"tuDiagnosis\");\n\n  const diagnosisTitle =\n    document.getElementById(\"tuDiagnosisTitle\");\n\n  const diagnosisText =\n    document.getElementById(\"tuDiagnosisText\");\n\n  const resetButton =\n    document.getElementById(\"tuResetChecklist\");\n\n\n  totalElement.textContent = total;\n\n  progress.setAttribute(\n    \"aria-valuemax\",\n    total\n  );\n\n\n  function updateChecklist() {\n\n    const checked =\n      inputs.filter(function(input) {\n        return input.checked;\n      }).length;\n\n\n    const missing =\n      total - checked;\n\n\n    const percent =\n      Math.round(\n        (checked \/ total) * 100\n      );\n\n\n    checkedElement.textContent =\n      checked;\n\n\n    missingElement.textContent =\n      missing;\n\n\n    percentElement.textContent =\n      percent + \"%\";\n\n\n    progressBar.style.width =\n      percent + \"%\";\n\n\n    progress.setAttribute(\n      \"aria-valuenow\",\n      checked\n    );\n\n\n    \/* =============================================\n       ESTADO INICIAL\n    ============================================= *\/\n\n    if (checked === 0) {\n\n      diagnosis.dataset.level =\n        \"neutral\";\n\n      diagnosisTitle.textContent =\n        \"Comece a avalia\u00e7\u00e3o\";\n\n      diagnosisText.textContent =\n        \"Marque os controles que sua opera\u00e7\u00e3o j\u00e1 atende. O diagn\u00f3stico ser\u00e1 atualizado automaticamente conforme o preenchimento.\";\n\n      return;\n    }\n\n\n    \/* =============================================\n       AT\u00c9 5 PONTOS N\u00c3O ATENDIDOS\n    ============================================= *\/\n\n    if (missing <= 5) {\n\n      diagnosis.dataset.level =\n        \"good\";\n\n      diagnosisTitle.textContent =\n        \"Base operacional organizada\";\n\n      diagnosisText.textContent =\n        \"A opera\u00e7\u00e3o apresenta uma base organizada, mas os gaps identificados devem ser tratados antes das renova\u00e7\u00f5es.\";\n\n      return;\n    }\n\n\n    \/* =============================================\n       DE 6 A 12 PONTOS N\u00c3O ATENDIDOS\n    ============================================= *\/\n\n    if (\n      missing >= 6 &&\n      missing <= 12\n    ) {\n\n      diagnosis.dataset.level =\n        \"attention\";\n\n      diagnosisTitle.textContent =\n        \"H\u00e1 depend\u00eancias relevantes\";\n\n      diagnosisText.textContent =\n        \"H\u00e1 depend\u00eancias relevantes que podem comprometer prazos, registros e consolida\u00e7\u00e3o de informa\u00e7\u00f5es.\";\n\n      return;\n    }\n\n\n    \/* =============================================\n       MAIS DE 12 PONTOS N\u00c3O ATENDIDOS\n    ============================================= *\/\n\n    diagnosis.dataset.level =\n      \"critical\";\n\n    diagnosisTitle.textContent =\n      \"A adequa\u00e7\u00e3o exige um mapeamento estruturado\";\n\n    diagnosisText.textContent =\n      \"A adequa\u00e7\u00e3o exige um mapeamento estruturado de processos, sistemas, dados e responsabilidades.\";\n\n  }\n\n\n  inputs.forEach(function(input) {\n\n    input.addEventListener(\n      \"change\",\n      updateChecklist\n    );\n\n  });\n\n\n  resetButton.addEventListener(\n    \"click\",\n    function () {\n\n      inputs.forEach(function(input) {\n        input.checked = false;\n      });\n\n\n      updateChecklist();\n\n\n      checklist.scrollIntoView({\n        behavior: \"smooth\",\n        block: \"start\"\n      });\n\n    }\n  );\n\n\n  updateChecklist();\n\n})();\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Conclus\u00e3o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026 reduz prazos, disciplina a aceita\u00e7\u00e3o t\u00e1cita e refor\u00e7a a rela\u00e7\u00e3o entre governan\u00e7a, procedimentos operacionais e sistemas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O impacto sobre cada institui\u00e7\u00e3o depender\u00e1 do calend\u00e1rio de renova\u00e7\u00f5es, da quantidade de contratos, da diversidade das opera\u00e7\u00f5es e da maturidade dos controles atuais.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A adequa\u00e7\u00e3o tende a ser mais simples quando a opera\u00e7\u00e3o j\u00e1 consegue:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comprovar a recep\u00e7\u00e3o das propostas.<\/li>\n\n\n\n<li>Acompanhar prazos.<\/li>\n\n\n\n<li>Controlar contratos e endossos.<\/li>\n\n\n\n<li>Consolidar percentuais.<\/li>\n\n\n\n<li>Documentar contrapartes.<\/li>\n\n\n\n<li>Recuperar o hist\u00f3rico.<\/li>\n\n\n\n<li>Conectar resseguro e administra\u00e7\u00e3o de ap\u00f3lices.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Quando essas atividades dependem de planilhas, e-mails e conhecimento individual, o per\u00edodo anterior \u00e0 vig\u00eancia deve ser usado para organizar processos e construir uma estrutura capaz de acompanhar as regras com consist\u00eancia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estruture a adequa\u00e7\u00e3o a partir da opera\u00e7\u00e3o atual. Antes de ampliar ou substituir sistemas, avalie onde est\u00e3o as depend\u00eancias manuais, as integra\u00e7\u00f5es cr\u00edticas e os controles que precisam evoluir e se a <strong><a href=\"https:\/\/tecnologiaunica.com.br\/blog\/arquitetura-de-software\/\" target=\"_blank\" rel=\"noreferrer noopener\">estrutura tecnol\u00f3gica da opera\u00e7\u00e3o<\/a><\/strong> consegue sustentar essas mudan\u00e7as com consist\u00eancia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong><a href=\"https:\/\/tecnologiaunica.com.br\/contato\/utm_source=blog&amp;utm_medium=artigo\" data-type=\"link\" data-id=\"https:\/\/tecnologiaunica.com.br\/contato\/utm_source=blog&amp;utm_medium=artigo\" target=\"_blank\" rel=\"noreferrer noopener\">Tecnologia \u00danica<\/a><\/strong> pode construir esse caminho com a sua equipe.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Perguntas Frequentes (FAQ)<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1786122170696\"><strong class=\"schema-faq-question\">Quando entra em vigor a Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026?<\/strong> <p class=\"schema-faq-answer\">A resolu\u00e7\u00e3o entra em vigor em 2 de janeiro de 2027.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122250841\"><strong class=\"schema-faq-question\">A Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026 revoga qual norma?<\/strong> <p class=\"schema-faq-answer\">A nova resolu\u00e7\u00e3o revoga a Resolu\u00e7\u00e3o CNSP n\u00ba 451, de 19 de dezembro de 2022.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122256468\"><strong class=\"schema-faq-question\">Os contratos de resseguro j\u00e1 vigentes precisam se adaptar imediatamente?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o. As opera\u00e7\u00f5es cujo in\u00edcio da vig\u00eancia da cobertura seja anterior a 2 de janeiro de 2027 dever\u00e3o se adaptar no momento da renova\u00e7\u00e3o.<br>Os contratos celebrados ap\u00f3s a entrada em vigor da resolu\u00e7\u00e3o j\u00e1 dever\u00e3o cumprir os novos crit\u00e9rios.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122265621\"><strong class=\"schema-faq-question\">O que \u00e9 a aceita\u00e7\u00e3o t\u00e1cita no resseguro?<\/strong> <p class=\"schema-faq-answer\">\u00c9 a forma\u00e7\u00e3o do contrato pelo sil\u00eancio do ressegurador ap\u00f3s 20 dias contados da recep\u00e7\u00e3o da proposta.<br>A regra n\u00e3o se aplica aos endossos.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122279910\"><strong class=\"schema-faq-question\">A Susep pode alterar o prazo de 20 dias?<\/strong> <p class=\"schema-faq-answer\">A resolu\u00e7\u00e3o permite que a Susep aumente o prazo em situa\u00e7\u00f5es de comprovada necessidade t\u00e9cnica.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122287081\"><strong class=\"schema-faq-question\">O prazo de formaliza\u00e7\u00e3o do contrato de resseguro mudou?<\/strong> <p class=\"schema-faq-answer\">Sim. O prazo foi reduzido de 180 para 90 dias, contados do in\u00edcio da vig\u00eancia da cobertura.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122291998\"><strong class=\"schema-faq-question\">Qual \u00e9 o prazo de formaliza\u00e7\u00e3o dos endossos?<\/strong> <p class=\"schema-faq-answer\">O prazo tamb\u00e9m \u00e9 de 90 dias, contado da aceita\u00e7\u00e3o do risco ou do in\u00edcio da vig\u00eancia da cobertura, o que ocorrer por \u00faltimo.<br>O prazo do endosso n\u00e3o substitui o prazo do contrato original.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122302460\"><strong class=\"schema-faq-question\">A nota de cobertura substitui o contrato de resseguro?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o. A pr\u00f3pria resolu\u00e7\u00e3o estabelece que a nota de cobertura emitida pela corretora n\u00e3o substitui o contrato de resseguro.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122311137\"><strong class=\"schema-faq-question\">A oferta preferencial de 40% continua obrigat\u00f3ria?<\/strong> <p class=\"schema-faq-answer\">Sim. A cedente deve submeter proposta aos resseguradores locais para contrata\u00e7\u00e3o preferencial m\u00ednima de 40% de cada cess\u00e3o autom\u00e1tica ou facultativa.<br>A regra n\u00e3o se aplica \u00e0 retrocess\u00e3o.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122326379\"><strong class=\"schema-faq-question\">Quais opera\u00e7\u00f5es exigem justificativa t\u00e9cnica?<\/strong> <p class=\"schema-faq-answer\">Cess\u00f5es em resseguro superiores a 90% e retrocess\u00f5es realizadas por resseguradores locais acima de 70%, consideradas de forma global no ano civil.<br>As justificativas devem ser apresentadas at\u00e9 31 de mar\u00e7o do ano seguinte.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122334554\"><strong class=\"schema-faq-question\">Cooperativas de seguros podem atuar como cedentes?<\/strong> <p class=\"schema-faq-answer\">Sim. A resolu\u00e7\u00e3o inclui cooperativas no conceito de cedente.<br>Elas n\u00e3o podem, entretanto, aceitar resseguro ou retrocess\u00e3o.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122340069\"><strong class=\"schema-faq-question\">Administradoras de prote\u00e7\u00e3o patrimonial mutualista podem contratar resseguro?<\/strong> <p class=\"schema-faq-answer\">Sim. Elas passam a integrar o conceito de cedente, mas n\u00e3o podem aceitar resseguro ou retrocess\u00e3o.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1786122349338\"><strong class=\"schema-faq-question\">Como um sistema de gest\u00e3o de resseguro pode apoiar a adequa\u00e7\u00e3o?<\/strong> <p class=\"schema-faq-answer\">O sistema pode organizar contratos, parametriza\u00e7\u00f5es, dados financeiros e informa\u00e7\u00f5es provenientes da administra\u00e7\u00e3o de ap\u00f3lices.<br>Recursos espec\u00edficos relacionados \u00e0 Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026 devem ser avaliados conforme o produto, sua configura\u00e7\u00e3o e o processo da institui\u00e7\u00e3o.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Refer\u00eancias<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">[1] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/central-de-conteudos\/noticias\/2026\/julho-1\/publicada-resolucao-cnsp-sobre-operacoes-de-resseguro-retrocessao-e-cosseguro\">Superintend\u00eancia de Seguros Privados. Publicada Resolu\u00e7\u00e3o CNSP sobre opera\u00e7\u00f5es de resseguro, retrocess\u00e3o e cosseguro.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[2] <a href=\"https:\/\/www.gov.br\/susep\/pt-br\/central-de-conteudos\/noticias\/2026\/julho-1\/publicada-resolucao-cnsp-sobre-operacoes-de-resseguro-retrocessao-e-cosseguro\">Conselho Nacional de Seguros Privados. Resolu\u00e7\u00e3o CNSP n\u00ba 494, de 17 de julho de 2026.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[3] <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/_ato2023-2026\/2024\/lei\/l15040.htm\">Presid\u00eancia da Rep\u00fablica. Lei n\u00ba 15.040, de 9 de dezembro de 2024 \u2014 Normas de seguro privado.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[4] <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/lcp\/Lcp213.htm?\">Presid\u00eancia da Rep\u00fablica. Lei Complementar n\u00ba 213, de 15 de janeiro de 2025.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[5] <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/lcp\/Lcp126.htm\">Presid\u00eancia da Rep\u00fablica. Lei Complementar n\u00ba 126, de 15 de janeiro de 2007 \u2014 Pol\u00edtica de resseguro, retrocess\u00e3o e cosseguro.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">[6] <a href=\"https:\/\/tecnologiaunica.com.br\/gestao-de-seguros\">Tecnologia \u00danica. Gest\u00e3o de seguros \u2014 Flexus.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026 atualiza as regras de resseguro, retrocess\u00e3o e cosseguro, reduz a formaliza\u00e7\u00e3o contratual para 90 dias e disciplina a aceita\u00e7\u00e3o t\u00e1cita. Veja os impactos operacionais e como preparar processos e sistemas para 2 de janeiro de 2027.<\/p>","protected":false},"author":10,"featured_media":6167,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-imprensa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Resolu\u00e7\u00e3o CNSP 494\/2026: impactos no resseguro<\/title>\n<meta name=\"description\" content=\"Entenda os prazos e impactos da Resolu\u00e7\u00e3o CNSP 494\/2026 no resseguro e prepare a opera\u00e7\u00e3o para as regras v\u00e1lidas em janeiro de 2027.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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494\\\/2026?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A resolu\u00e7\u00e3o entra em vigor em 2 de janeiro de 2027.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/tecnologiaunica.com.br\\\/blog\\\/resolucao-cnsp-494-2026\\\/#faq-question-1786122250841\",\"position\":2,\"url\":\"https:\\\/\\\/tecnologiaunica.com.br\\\/blog\\\/resolucao-cnsp-494-2026\\\/#faq-question-1786122250841\",\"name\":\"A Resolu\u00e7\u00e3o CNSP n\u00ba 494\\\/2026 revoga qual norma?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A nova resolu\u00e7\u00e3o revoga a Resolu\u00e7\u00e3o CNSP n\u00ba 451, de 19 de dezembro de 2022.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/tecnologiaunica.com.br\\\/blog\\\/resolucao-cnsp-494-2026\\\/#faq-question-1786122256468\",\"position\":3,\"url\":\"https:\\\/\\\/tecnologiaunica.com.br\\\/blog\\\/resolucao-cnsp-494-2026\\\/#faq-question-1786122256468\",\"name\":\"Os contratos de resseguro j\u00e1 vigentes precisam se adaptar imediatamente?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"N\u00e3o. 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O prazo foi reduzido de 180 para 90 dias, contados do in\u00edcio da vig\u00eancia da cobertura.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122291998","position":7,"url":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122291998","name":"Qual \u00e9 o prazo de formaliza\u00e7\u00e3o dos endossos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"O prazo tamb\u00e9m \u00e9 de 90 dias, contado da aceita\u00e7\u00e3o do risco ou do in\u00edcio da vig\u00eancia da cobertura, o que ocorrer por \u00faltimo.<br>O prazo do endosso n\u00e3o substitui o prazo do contrato original.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122302460","position":8,"url":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122302460","name":"A nota de cobertura substitui o contrato de resseguro?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"N\u00e3o. A pr\u00f3pria resolu\u00e7\u00e3o estabelece que a nota de cobertura emitida pela corretora n\u00e3o substitui o contrato de resseguro.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122311137","position":9,"url":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122311137","name":"A oferta preferencial de 40% continua obrigat\u00f3ria?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Sim. A cedente deve submeter proposta aos resseguradores locais para contrata\u00e7\u00e3o preferencial m\u00ednima de 40% de cada cess\u00e3o autom\u00e1tica ou facultativa.<br>A regra n\u00e3o se aplica \u00e0 retrocess\u00e3o.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122326379","position":10,"url":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122326379","name":"Quais opera\u00e7\u00f5es exigem justificativa t\u00e9cnica?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Cess\u00f5es em resseguro superiores a 90% e retrocess\u00f5es realizadas por resseguradores locais acima de 70%, consideradas de forma global no ano civil.<br>As justificativas devem ser apresentadas at\u00e9 31 de mar\u00e7o do ano seguinte.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122334554","position":11,"url":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122334554","name":"Cooperativas de seguros podem atuar como cedentes?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Sim. A resolu\u00e7\u00e3o inclui cooperativas no conceito de cedente.<br>Elas n\u00e3o podem, entretanto, aceitar resseguro ou retrocess\u00e3o.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122340069","position":12,"url":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122340069","name":"Administradoras de prote\u00e7\u00e3o patrimonial mutualista podem contratar resseguro?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Sim. Elas passam a integrar o conceito de cedente, mas n\u00e3o podem aceitar resseguro ou retrocess\u00e3o.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122349338","position":13,"url":"https:\/\/tecnologiaunica.com.br\/blog\/resolucao-cnsp-494-2026\/#faq-question-1786122349338","name":"Como um sistema de gest\u00e3o de resseguro pode apoiar a adequa\u00e7\u00e3o?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"O sistema pode organizar contratos, parametriza\u00e7\u00f5es, dados financeiros e informa\u00e7\u00f5es provenientes da administra\u00e7\u00e3o de ap\u00f3lices.<br>Recursos espec\u00edficos relacionados \u00e0 Resolu\u00e7\u00e3o CNSP n\u00ba 494\/2026 devem ser avaliados conforme o produto, sua configura\u00e7\u00e3o e o processo da institui\u00e7\u00e3o.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"}]}},"_links":{"self":[{"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/posts\/6166","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/comments?post=6166"}],"version-history":[{"count":4,"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/posts\/6166\/revisions"}],"predecessor-version":[{"id":6171,"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/posts\/6166\/revisions\/6171"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/media\/6167"}],"wp:attachment":[{"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/media?parent=6166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/categories?post=6166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tecnologiaunica.com.br\/fr\/wp-json\/wp\/v2\/tags?post=6166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}