{"id":9497,"date":"2026-10-15T15:35:33","date_gmt":"2026-10-15T15:35:33","guid":{"rendered":"https:\/\/ceniconstrucoes.com.br\/wp\/guias\/plano-de-saude-em-florianopolis-tipos-preco-reajuste\/"},"modified":"2026-10-21T22:32:06","modified_gmt":"2026-10-21T22:32:06","slug":"plano-de-saude-em-florianopolis-tipos-preco-reajuste","status":"publish","type":"page","link":"https:\/\/ceniconstrucoes.com.br\/wp\/guias\/plano-de-saude-em-florianopolis-tipos-preco-reajuste\/","title":{"rendered":"Plano de sa\u00fade em Florian\u00f3polis: como contratar, quanto custa e o reajuste da ANS"},"content":{"rendered":"\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:opsz,wght@9..40,400;9..40,500;9..40,700;9..40,800&amp;family=Newsreader:ital,opsz,wght@0,6..72,400;0,6..72,500;1,6..72,400;1,6..72,500&amp;display=swap\" rel=\"stylesheet\"\/>\n<style>:root {\n    --navy: #0B1F3A; --navy-2: #14304F;\n    --ink: #111A26; --muted: #5A6876; --line: #DCE1E6;\n    --paper: #FFFFFF; --stone: #F3F5F7; 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}\n }\n.ceni-site .related .rel a .k, .ceni-site .related li .k { white-space: normal !important; }\n.ceni-site .header { position: fixed !important; top: 0; left: 0; right: 0; z-index: 120 !important; background: transparent !important; border-bottom: 0 !important; box-shadow: none !important; padding: 14px 16px 0; }\n.ceni-site .header .wrap { background: #FFFFFF; border: 1px solid rgba(1,16,61,.10); border-radius: 18px; padding-inline: 18px; height: 68px; box-shadow: 0 6px 24px rgba(1,16,61,.10); }\n.ceni-site .header .lang { border-radius: 10px; }\n.ceni-site .header .burger { border-radius: 10px !important; }\n@media (min-width: 1181px) {.ceni-site .header .wrap { width: fit-content; max-width: calc(100% - 40px); gap: 34px; padding-inline: 22px; }\n.ceni-site .header .nav { margin: 0; gap: 28px; font-size: 15px; font-weight: 700; }\n.ceni-site .header .nav a { color: var(--ink) !important; }\n.ceni-site .header .nav a:hover, .ceni-site .header .nav a.on { color: var(--accent) !important; }\n.ceni-site .header .lang { margin-left: 0; }\n\n  }\n@media (max-width: 900px) {.ceni-site .header { padding: 10px 12px 0; }\n.ceni-site .header .wrap { border-radius: 14px; padding-inline: 12px; height: 60px; }\n }\n.ceni-site .header .nav .nav-cta { display: none; }\n@media (max-width: 1180px) {.ceni-site .header .wrap { position: relative; }\n.ceni-site .header.menu-open::before { content: \"\"; position: fixed; inset: 0; z-index: -1; background: rgba(1,16,61,.45); }\n.ceni-site .header.menu-open .nav { display: flex !important; flex-direction: column; gap: 0; position: absolute !important; left: 0 !important; right: 0 !important; top: calc(100% + 10px) !important; margin: 0 !important; padding: 8px 8px 12px !important; background: #FFFFFF !important; border: 0 !important; border-radius: 16px !important; box-shadow: 0 24px 60px rgba(1,16,61,.28), 0 2px 8px rgba(1,16,61,.08) !important; max-height: calc(100svh - 110px); overflow-y: auto; }\n.ceni-site .header.menu-open .nav a:not(.nav-cta) { display: flex !important; align-items: center; justify-content: space-between; padding: 15px 14px !important; font-size: 17px !important; font-weight: 700 !important; color: var(--ink) !important; border-top: 1px solid #EEF1F4 !important; }\n.ceni-site .header.menu-open .nav a:not(.nav-cta):first-child { border-top: 0 !important; }\n.ceni-site .header.menu-open .nav a:not(.nav-cta)::after { content: \"\u2192\"; font-weight: 400; color: var(--accent); }\n.ceni-site .header.menu-open .nav a.nav-cta { display: flex !important; align-items: center; justify-content: center; gap: 10px; margin: 10px 6px 0; padding: 15px 16px !important; border: 0 !important; border-radius: 12px; background: var(--wa); color: #FFFFFF !important; font-weight: 700; font-size: 15.5px; }\n.ceni-site .header.menu-open .nav a.nav-cta svg { width: 18px; height: 18px; fill: currentColor; flex: 0 0 auto; }\n\n  }\n.ceni-site .guide-head, .ceni-site .head, .ceni-site .act-head { padding-top: 92px; }\n@media (max-width: 900px) {.ceni-site .guide-head, .ceni-site .head, .ceni-site .act-head { padding-top: 74px; }\n }\n.ceni-site [id] { scroll-margin-top: 100px; }\n.ceni-site aside { top: 104px; }\n@media (max-height: 760px) {.ceni-site aside { position: static; }\n }\n.ceni-site .btn { border-radius: 12px; }\n.ceni-site .direct, .ceni-site .two > div, .ceni-site .tablewrap, .ceni-site .box, .ceni-site .cta-mid, .ceni-site .related .rel li > a[href], .ceni-site .wrap .grid > a.g, .ceni-site .wrap .nota-grid > a.nota { border-radius: 16px; }\n.ceni-site .direct, .ceni-site .box, .ceni-site .wrap .grid > a.g, .ceni-site .wrap .nota-grid > a.nota { overflow: hidden; }\n.ceni-site .related .rel a .ph { border-radius: 10px; }\n.ceni-site .box { border-color: var(--line); box-shadow: 0 6px 20px rgba(1,16,61,.05); }\n.ceni-site .box.navy { background: radial-gradient(120% 150% at 0% 0%, #0F3092 0%, #04175A 45%, #01103D 80%) !important; border: 0; }\n.ceni-site .cta-mid { background: var(--sand); }\n.ceni-site article .cta-end { background: radial-gradient(ellipse 80% 70% at 30% 20%, #0F3092 0%, #04175A 45%, #01103D 80%) !important; border-radius: 24px; overflow: hidden; padding: 34px 32px; }\n.ceni-site article .cta-end .pos { color: #E3C89C !important; opacity: 1 !important; }\n@media (max-width: 560px) {.ceni-site article .cta-end, .ceni-site article .cta-mid { padding: 24px 20px; }\n }\n.ceni-site .two h3, .ceni-site .two .care h3, .ceni-site .two.care h3 { color: var(--ink); }\n.ceni-site .two > .care { box-shadow: inset 0 3px 0 #C29A5B; }\n@media (max-width: 560px) {.ceni-site article .btn, .ceni-site aside .btn { white-space: normal; max-width: 100%; text-align: center; justify-content: center; line-height: 1.3; }\n.ceni-site article .cta-mid .btn, .ceni-site article .cta-end .btn { width: 100%; }\n\n  }\n.ceni-site .related .rel li { border: 0 !important; padding: 0 !important; display: block !important; background: none !important; }\n.ceni-site .related .rel { grid-template-columns: repeat(2, minmax(0, 1fr)); }\n@media (max-width: 640px) {.ceni-site .related .rel { grid-template-columns: minmax(0, 1fr); }\n }\n.ceni-site .related .rel li > a[href] { border: 1px solid var(--line) !important; background: #FFFFFF; box-shadow: 0 6px 20px rgba(1,16,61,.05); }\n.ceni-site .related .rel li > a.pilar[href] { border-color: var(--navy-2) !important; background: var(--accent-soft); }\n.ceni-site .float .btn-wa { width: 60px; height: 60px; padding: 0 !important; gap: 0; justify-content: center; border-radius: 50% !important; font-size: 0; box-shadow: 0 8px 24px rgba(0,0,0,.28); }\n.ceni-site .float .btn-wa span { display: none !important; }\n.ceni-site .float .btn-wa svg { width: 28px !important; height: 28px !important; }\n.ceni-site footer { background: #F6F6F6; border-top: 0 !important; }\n.ceni-site footer .legal { display: none !important; }\n@media (max-width: 640px) {.ceni-site footer { padding-bottom: 96px !important; }\n }\n.ceni-site .entregas ul { list-style: none; padding: 0; margin: 8px 0 0; display: grid; }\n.ceni-site .entregas li { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 2px 12px; align-items: center; padding: 12px 0; border-top: 1px solid var(--line); margin: 0; }\n.ceni-site .entregas li:first-child { border-top: 0; padding-top: 4px; }\n.ceni-site .entregas li b { font-size: 15px; color: var(--ink); line-height: 1.25; }\n.ceni-site .entregas li span { grid-column: 1; font-size: 13px; color: var(--muted); line-height: 1.35; }\n.ceni-site .entregas li strong { grid-column: 2; grid-row: 1 \/ span 2; font-size: 24px; font-weight: 800; color: var(--navy-2) !important; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }\n.ceni-site .box.entregas .ref { margin: 10px 0 0; font-size: 14px; color: var(--ink); font-weight: 500; }\n.ceni-site .box.entregas .fonte { margin: 8px 0 0; font-size: 12px; color: var(--muted); line-height: 1.45; }\n.ceni-site .wrap .grid > a.g, .ceni-site .wrap .grid > a.g.live { border: 1px solid var(--line) !important; background: #FFFFFF; box-shadow: 0 6px 20px rgba(1,16,61,.06) !important; }\n.ceni-site .wrap .nota-grid > a.nota[href] { border: 1px solid var(--line) !important; box-shadow: 0 6px 20px rgba(1,16,61,.06); }\n.ceni-site .g .go, .ceni-site .nota .go { color: var(--accent); }\n.ceni-site .sec-head h2 { font-size: 24px; }\n@media (max-width: 560px) {.ceni-site .wrap > section > .grid { grid-template-columns: none; grid-auto-flow: column; grid-auto-columns: 84%; overflow-x: auto; scroll-snap-type: x mandatory; margin-inline: -16px; padding: 4px 16px 16px; scroll-padding-inline: 16px; gap: 12px; scrollbar-width: none; }\n.ceni-site .wrap > section > .grid::-webkit-scrollbar { display: none; }\n.ceni-site .wrap > section > .grid > .g { scroll-snap-align: start; }\n.ceni-site .wrap > section > .grid > .g.rv { opacity: 1 !important; transform: none !important; }\n\n  }\n:root {\n    --noite: #01103D; --noite-2: #04175A; --profundo: #0F3092; --royal: #1141D8; --royal-claro: #3B6DF0;\n    --ouro: #D1AE79; --ouro-2: #C29A5B; --ouro-claro: #E3C89C;\n    --cinza: #F6F6F6; --cinza-2: #E8EAF0; --wa-2: #187A4C;\n  }\n@media (min-width: 1400px) {.ceni-site .wrap { width: min(1180px, 100% - 13vw); }\n }\n.ceni-site .num { font-variant-numeric: tabular-nums; }\n.ceni-site .serif { font-family: \"Newsreader\", Georgia, serif !important; font-style: italic; font-weight: 400; letter-spacing: 0; }\n.ceni-site .btn { justify-content: center; line-height: 1.25; }\n.ceni-site .btn-wa { box-shadow: 0 10px 26px rgba(30,142,90,.28); }\n.ceni-site .btn-wa:hover { background: var(--wa-2); }\n.ceni-site .btn-wa svg { width: 19px; height: 19px; flex: 0 0 auto; }\n.ceni-site .btn-ghost { border: 1.5px solid rgba(255,255,255,.42); color: #fff; background: transparent; }\n.ceni-site .btn-ghost:hover { border-color: #fff; }\n.ceni-site .btn-big { padding: 17px 26px; font-size: 16.5px; }\n.ceni-site .on-dark .eyebrow, .ceni-site .eyebrow.ouro { color: var(--ouro) !important; }\n.ceni-site .on-dark .src { color: rgba(255,255,255,.6); }\n.ceni-site .float { transition: opacity .25s ease, transform .25s ease; z-index: 90; }\n.ceni-site .float.fora { opacity: 0; transform: translateY(20px); pointer-events: none; }\n.ceni-site .familia { display: grid; grid-template-columns: auto 1fr; gap: 18px 22px; align-items: center; }\n.ceni-site .familia .rostos { display: flex; }\n.ceni-site .familia .rostos img { width: 58px; height: 58px; border-radius: 50%; object-fit: cover; object-position: 50% 22%; border: 2px solid var(--ouro); margin-left: -12px; background: #0F3092; }\n.ceni-site .familia .rostos img:first-child { margin-left: 0; }\n.ceni-site .familia > div > b { display: block; font-size: 16px; }\n.ceni-site .g-hero { position: relative; background: radial-gradient(ellipse 75% 90% at 18% 10%, #0F3092 0%, #04175A 42%, #01103D 78%); color: #fff; padding: 118px 0 54px; overflow: hidden; }\n.ceni-site .g-hero::after { content: \"\"; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(209,174,121,.5), transparent); }\n.ceni-site .g-hero .wrap { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: clamp(28px, 4.5vw, 64px); align-items: center; }\n.ceni-site .g-hero .crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: 13px; color: rgba(255,255,255,.62); }\n.ceni-site .g-hero .crumbs a { color: rgba(255,255,255,.62); }\n.ceni-site .g-hero .crumbs a:hover { color: #fff; }\n.ceni-site .g-hero .eyebrow { margin-top: 18px; }\n.ceni-site .g-hero h1 { font-size: clamp(30px, 3.5vw, 50px); line-height: 1.05; font-weight: 800 !important; margin-top: 12px !important; max-width: 21ch; color: #fff; letter-spacing: -.028em; }\n.ceni-site .g-hero .promessa { margin-top: 18px; font-size: clamp(16.5px, 1.35vw, 19px); line-height: 1.5; color: rgba(255,255,255,.86); max-width: 50ch; }\n.ceni-site .g-hero .promessa b { color: #fff; }\n.ceni-site .g-hero .acts { margin-top: 24px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }\n.ceni-site .g-hero .meta { margin-top: 20px; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 13px; color: rgba(255,255,255,.62); }\n.ceni-site .g-hero .meta b { color: #fff; font-weight: 500; }\n.ceni-site .g-hero .meta .chk { color: var(--ouro-claro); font-weight: 500; }\n.ceni-site .diptico { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }\n.ceni-site .diptico figure { margin: 0; position: relative; border-radius: 18px; overflow: hidden; aspect-ratio: 4 \/ 5.2; background: #04175A; box-shadow: 0 24px 60px rgba(0,0,0,.35); }\n.ceni-site .diptico figure img { width: 100%; height: 100%; object-fit: cover; }\n.ceni-site .diptico figure.pf img { filter: grayscale(.55) brightness(.8); object-position: 30% 50%; }\n.ceni-site .diptico figure.lt { transform: translateY(-18px); outline: 1px solid rgba(209,174,121,.55); outline-offset: -1px; }\n.ceni-site .diptico figcaption { position: absolute; left: 0; right: 0; bottom: 0; padding: 60px 16px 16px; background: linear-gradient(180deg, transparent, rgba(1,16,61,.94) 58%); color: #fff; }\n.ceni-site .diptico .tag { font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: rgba(255,255,255,.7); }\n.ceni-site .diptico strong { display: block; font-size: clamp(38px, 4.4vw, 60px); font-weight: 800; letter-spacing: -.04em; line-height: 1; margin-top: 6px; }\n.ceni-site .diptico .pf strong { color: #C9CFDF !important; }\n.ceni-site .diptico .lt strong { color: var(--ouro-claro) !important; }\n.ceni-site .diptico small { display: block; margin-top: 6px; font-size: 13px; color: rgba(255,255,255,.8); line-height: 1.35; }\n.ceni-site .diptico-fonte { grid-column: 1 \/ -1; font-size: 12px; color: rgba(255,255,255,.55); margin-top: 2px; line-height: 1.45; }\n.ceni-site .faixa { background: #fff; border-bottom: 1px solid var(--cinza-2); }\n.ceni-site .faixa .wrap { display: grid; grid-template-columns: repeat(5, 1fr); }\n.ceni-site .faixa .wrap > div { padding: 22px 16px 20px; border-right: 1px solid var(--cinza-2); }\n.ceni-site .faixa .wrap > div:last-child { border-right: 0; }\n.ceni-site .faixa strong { display: block; font-size: clamp(28px, 3vw, 40px); font-weight: 800; line-height: 1; color: var(--profundo) !important; letter-spacing: -.03em; }\n.ceni-site .faixa small { display: block; margin-top: 7px; font-size: 13px; color: var(--muted); line-height: 1.3; }\n.ceni-site .resp { padding-block: clamp(36px, 5vw, 64px) 0; }\n.ceni-site .resp .direct { position: relative; max-width: 940px; margin: 0; background: #fff; border: 1px solid var(--cinza-2); border-left: 1px solid var(--cinza-2); border-radius: 22px; padding: clamp(24px, 3vw, 38px) clamp(22px, 3.4vw, 44px); box-shadow: 0 18px 50px rgba(1,16,61,.08); overflow: hidden; }\n.ceni-site .resp .direct::before { content: \"\"; position: absolute; left: 0; top: 26px; bottom: 26px; width: 4px; border-radius: 0 4px 4px 0; background: var(--royal); }\n.ceni-site .resp .direct .lbl { display: inline-flex; align-items: center; gap: 8px; font-size: 12px !important; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--royal); margin-bottom: 12px; }\n.ceni-site .resp .direct .lbl::before { content: \"\"; width: 8px; height: 8px; border-radius: 50%; background: var(--royal); }\n.ceni-site .resp .direct p { font-family: \"DM Sans\", \"Helvetica Neue\", Arial, sans-serif !important; font-style: normal; font-size: clamp(17px, 1.45vw, 19.5px); line-height: 1.58; color: var(--ink); margin: 0; }\n.ceni-site .resp .direct p b { color: var(--profundo); }\n.ceni-site .resp .lead { max-width: 940px; margin-top: 22px; font-family: \"Newsreader\", Georgia, serif; font-style: italic; font-size: clamp(20px, 2vw, 25px); line-height: 1.4; color: var(--ink); }\n.ceni-site .resp .lead a { color: var(--royal); }\n.ceni-site .prova { margin-top: clamp(44px, 6vw, 80px); background: var(--noite); color: #fff; padding-block: clamp(48px, 6vw, 84px); position: relative; overflow: hidden; }\n.ceni-site .prova::before { content: \"\"; position: absolute; left: 0; right: 0; top: 0; bottom: 0; background: radial-gradient(ellipse 60% 70% at 85% 0%, rgba(17,65,216,.35), transparent 70%); pointer-events: none; }\n.ceni-site .prova .wrap { position: relative; }\n.ceni-site .prova .h2like { font-size: clamp(28px, 3.4vw, 46px); line-height: 1.08; font-weight: 700; letter-spacing: -.028em; margin-top: 12px; max-width: 22ch; color: #fff; }\n.ceni-site .prova .sub { margin-top: 14px; color: rgba(255,255,255,.78); max-width: 62ch; }\n.ceni-site .prova-grid { margin-top: 34px; display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); gap: 22px; align-items: stretch; }\n.ceni-site .prova-grid > div:last-child { display: flex; }\n.ceni-site .barras { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.10); border-radius: 20px; padding: 24px 24px 18px; }\n.ceni-site .barras .tit { font-size: 13px; color: rgba(255,255,255,.66); margin-bottom: 14px; }\n.ceni-site .barras .tit b { color: #fff; }\n.ceni-site .barra { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 12px; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.08); }\n.ceni-site .barras .barra:first-of-type { border-top: 0; }\n.ceni-site .barra span { font-size: 14.5px; font-weight: 700; }\n.ceni-site .barra em { font-style: normal; font-size: 12.5px; color: rgba(255,255,255,.6); grid-column: 1; }\n.ceni-site .barra strong { grid-column: 2; grid-row: 1 \/ span 2; text-align: right; font-size: 22px; font-weight: 800; letter-spacing: -.02em; color: #fff; }\n.ceni-site .barra strong small { display: block; font-size: 12px; font-weight: 500; color: rgba(255,255,255,.6); letter-spacing: 0; }\n.ceni-site .barra i { grid-column: 1 \/ -1; height: 8px; border-radius: 8px; background: rgba(255,255,255,.08); overflow: hidden; display: block; }\n.ceni-site .barra i::after { content: \"\"; display: block; height: 100%; width: var(--w); border-radius: 8px; background: rgba(201,207,223,.55); }\n.ceni-site .barra.top strong { color: var(--ouro-claro) !important; }\n.ceni-site .barra.top i::after { background: linear-gradient(90deg, #1141D8, #3B6DF0); }\n.ceni-site .barra.neg strong { color: #C9CFDF !important; }\n.ceni-site .casos3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; flex: 1; }\n.ceni-site .casos3 .caso { background: #fff; color: var(--ink); border-radius: 18px; overflow: hidden; display: flex; flex-direction: column; }\n.ceni-site .casos3 .caso .ph { position: relative; flex: 1; min-height: 170px; }\n.ceni-site .casos3 .caso .ph img { position: absolute; left: 0; top: 0; width: 100%; height: 100% !important; object-fit: cover; }\n.ceni-site .casos3 .caso .selo { position: absolute; left: 10px; bottom: 10px; background: #fff; border-radius: 10px; padding: 6px 10px; font-size: 22px; font-weight: 800; color: var(--royal); letter-spacing: -.03em; line-height: 1; box-shadow: 0 6px 18px rgba(1,16,61,.2); }\n.ceni-site .casos3 .caso .selo small { display: block; font-size: 10.5px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }\n.ceni-site .casos3 .caso .bd { padding: 12px 14px 14px; display: grid; gap: 2px; }\n.ceni-site .casos3 .caso b { font-size: 15px; line-height: 1.2; color: var(--ink); }\n.ceni-site .casos3 .caso .bairro { font-size: 12.5px; color: var(--muted); }\n.ceni-site .casos3 .caso .vals { display: grid; grid-template-columns: 1fr; gap: 5px; margin-top: 10px; }\n.ceni-site .casos3 .caso .vals > div { display: flex; justify-content: space-between; align-items: baseline; gap: 8px; background: var(--cinza); border-radius: 10px; padding: 7px 10px; font-size: 12px; color: var(--muted); line-height: 1.25; }\n.ceni-site .casos3 .caso .vals > div.hoje { background: var(--profundo); color: rgba(255,255,255,.75); }\n.ceni-site .casos3 .caso .vals strong { display: inline; font-size: 15px; color: var(--ink); white-space: nowrap; }\n.ceni-site .casos3 .caso .vals .hoje strong { color: #fff; }\n.ceni-site .casos3 .caso .ent { margin-top: 6px; font-size: 12px; color: var(--muted); }\n.ceni-site .prova-pe { margin-top: 26px; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 20px 32px; align-items: center; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); }\n.ceni-site .prova-pe .familia b { color: #fff; }\n.ceni-site .prova-pe .zero { font-size: 15px; color: rgba(255,255,255,.82); max-width: 60ch; margin-top: 6px; }\n.ceni-site .prova-pe .zero b { color: #fff; display: inline; font-size: inherit; }\n.ceni-site .prova .src { margin-top: 18px; font-size: 13px; line-height: 1.5; }\n.ceni-site .corpo { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: clamp(28px, 5vw, 72px); padding-block: clamp(44px, 6vw, 80px) 30px; }\n.ceni-site .corpo > * { min-width: 0; }\n.ceni-site .corpo article { max-width: 68ch; }\n.ceni-site .corpo article h2 { font-size: clamp(25px, 2.6vw, 34px); line-height: 1.12; margin: clamp(44px, 5vw, 64px) 0 14px !important; letter-spacing: -.028em; }\n.ceni-site .corpo article h2:first-child { margin-top: 0 !important; }\n.ceni-site .corpo article h3 { margin: 24px 0 8px !important; }\n.ceni-site .corpo article p { margin-bottom: 14px; }\n.ceni-site .corpo article p.resumo { font-size: 18px; line-height: 1.55; color: var(--ink); padding-left: 16px; border-left: 3px solid var(--cinza-2); margin-bottom: 20px; }\n.ceni-site .corpo article .src { margin-top: 10px; font-size: 13px; color: var(--muted); }\n.ceni-site .corpo article p a, .ceni-site .corpo article li a, .ceni-site .corpo article td a { color: var(--royal); font-weight: 700; }\n.ceni-site .corpo .tablewrap { overflow-x: auto; border: 1px solid var(--cinza-2); border-radius: 16px; margin: 6px 0 8px; box-shadow: 0 6px 20px rgba(1,16,61,.05); }\n.ceni-site .corpo table { border-collapse: collapse; width: 100%; min-width: 640px; font-size: 14.5px; }\n.ceni-site .corpo th, .ceni-site .corpo td { text-align: left; vertical-align: top; padding: 13px 14px; border-bottom: 1px solid var(--cinza-2); }\n.ceni-site .corpo th { background: var(--cinza); font-size: 12px !important; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); font-weight: 700; }\n.ceni-site .corpo table.destaque th:last-child { background: var(--noite); color: var(--ouro); }\n.ceni-site .corpo table.destaque td:last-child { background: #F3F6FE; color: var(--ink); font-weight: 500; }\n.ceni-site .corpo tr:last-child td { border-bottom: 0; }\n.ceni-site .corpo td:first-child { font-weight: 700; }\n.ceni-site .corpo td .ok { color: var(--profundo); font-weight: 700; }\n.ceni-site .corpo ol.steps { list-style: none; padding: 0; margin: 0 0 6px; display: grid; gap: 12px; counter-reset: s; }\n.ceni-site .corpo ol.steps li { counter-increment: s; display: grid; grid-template-columns: 46px 1fr; gap: 14px; margin: 0; padding: 18px; border: 1px solid var(--cinza-2); border-top: 1px solid var(--cinza-2); border-radius: 16px; background: #fff; }\n.ceni-site .corpo ol.steps li::before { content: counter(s); width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: var(--cinza-2); color: var(--profundo); font-weight: 800; font-size: 16px; letter-spacing: 0; padding: 0; }\n.ceni-site .corpo ol.steps b { display: block; font-size: 17px; margin-bottom: 4px; }\n.ceni-site .corpo ol.steps span b, .ceni-site .corpo ol.steps span strong { display: inline; font-size: inherit; margin: 0; }\n.ceni-site .corpo ol.steps span { color: var(--muted); font-size: 15.5px; }\n.ceni-site .corpo .two { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 6px 0 8px; }\n.ceni-site .corpo .two > div { padding: 20px 22px; border: 1px solid var(--cinza-2); border-radius: 16px; }\n.ceni-site .corpo .two > div:first-child { background: #F3F6FE; border-color: #D6E0FB; }\n.ceni-site .corpo .two > .care { box-shadow: inset 0 3px 0 var(--ouro-2); }\n.ceni-site .corpo .two h3 { margin: 0 0 10px !important; font-size: 17px; }\n.ceni-site .corpo .two ul { margin: 0; padding-left: 18px; }\n.ceni-site .corpo .two li { font-size: 15.5px; margin-bottom: 6px; }\n.ceni-site .corpo ul.check { list-style: none; padding: 0; margin: 0 0 8px; display: grid; gap: 10px; }\n.ceni-site .corpo ul.check li { position: relative; padding: 14px 16px 14px 48px; margin: 0; background: var(--cinza); border-radius: 12px; }\n.ceni-site .corpo ul.check li::before { content: \"\"; position: absolute; left: 16px; top: 17px; width: 18px; height: 18px; border: 2px solid var(--profundo); border-radius: 5px; background: #fff; }\n.ceni-site .corpo p.calc-link a { color: var(--royal); }\n.ceni-site .corpo p.ponte { margin: 28px 0 !important; padding: 16px 20px; background: #F6F6F6; border-left: 3px solid #D1AE79; border-radius: 0 12px 12px 0; font-size: 16px; line-height: 1.55; }\n.ceni-site .corpo p.ponte a { font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }\n.ceni-site .corpo p.ponte a.ponte-wa { display: inline !important; background: none !important; border: 0 !important; box-shadow: none !important; padding: 0 !important; margin: 0 !important; min-height: 0 !important; color: var(--royal) !important; font: inherit !important; font-weight: 700 !important; }\n.ceni-site .wa-faixa { margin: 30px 0; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 14px 22px; align-items: center; padding: 20px 22px; border-radius: 18px; background: var(--cinza-2); }\n.ceni-site .wa-faixa p { margin: 0 !important; font-size: 16px; line-height: 1.45; }\n.ceni-site .wa-faixa p b { display: block; font-size: 18px; margin-bottom: 2px; }\n.ceni-site .wa-faixa.escura { background: radial-gradient(120% 140% at 0% 0%, #0F3092 0%, #04175A 50%, #01103D 85%); color: #fff; }\n.ceni-site .wa-faixa.escura p { color: rgba(255,255,255,.86); }\n.ceni-site .wa-faixa.escura p b { color: #fff; }\n.ceni-site .mini { margin: 30px 0 8px; border-radius: 22px; overflow: hidden; background: radial-gradient(ellipse 90% 120% at 100% 0%, #0F3092 0%, #04175A 45%, #01103D 85%); color: #fff; box-shadow: 0 24px 60px rgba(1,16,61,.22); }\n.ceni-site .mini .in { padding: clamp(22px, 3vw, 32px); display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 22px 28px; }\n.ceni-site .mini .tt { grid-column: 1 \/ -1; }\n.ceni-site .mini .tt b { display: block; font-size: clamp(21px, 2.1vw, 26px); letter-spacing: -.02em; line-height: 1.15; color: #fff; }\n.ceni-site .mini .tt p { margin: 8px 0 0 !important; font-size: 14.5px; color: rgba(255,255,255,.72); line-height: 1.5; }\n.ceni-site .mini .tt p a { color: var(--ouro-claro) !important; text-decoration: underline !important; text-underline-offset: 2px; font-weight: 700; }\n.ceni-site .mini .campo { display: flex; align-items: center; gap: 8px; background: #fff; border-radius: 14px; padding: 0 16px; height: 62px; margin-top: 8px; }\n.ceni-site .mini .campo span { font-weight: 800; color: var(--profundo); font-size: 20px; }\n.ceni-site .mini .campo input { border: 0 !important; outline: 0 !important; box-shadow: none !important; background: transparent !important; width: 100%; min-width: 0; padding: 0 !important; margin: 0 !important; height: auto !important; font: 800 28px\/1 \"DM Sans\", sans-serif !important; color: var(--ink) !important; letter-spacing: -.02em; border-radius: 0 !important; -webkit-appearance: none; appearance: none; }\n.ceni-site .mini .chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }\n.ceni-site .mini .chip { border: 1px solid rgba(255,255,255,.28) !important; background: transparent !important; color: #fff !important; border-radius: 999px !important; padding: 8px 14px !important; font: 700 13.5px\/1.2 \"DM Sans\", sans-serif !important; cursor: pointer; text-transform: none !important; letter-spacing: 0 !important; box-shadow: none !important; min-height: 0 !important; width: auto !important; margin: 0 !important; }\n.ceni-site .mini .chip.on { background: var(--ouro) !important; border-color: var(--ouro) !important; color: var(--noite) !important; }\n.ceni-site .mini .lbl-s { display: block; font-size: 12px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: rgba(255,255,255,.6); margin: 16px 0 0; }\n.ceni-site .mini .lbl-s.pri { margin-top: 0; }\n.ceni-site .mini .aviso-min { display: none; font-size: 13px; color: var(--ouro-claro); margin-top: 8px; }\n.ceni-site .mini .aviso-min.on { display: block; }\n.ceni-site .mini.off .res .v, .ceni-site .mini.off .res .g, .ceni-site .mini.off .res .cmp { opacity: .35; }\n.ceni-site .mini .res { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 18px; padding: 20px; display: flex; flex-direction: column; }\n.ceni-site .mini .res .k { font-size: 13.5px; color: rgba(255,255,255,.72); }\n.ceni-site .mini .res .v { font-size: clamp(38px, 4.2vw, 52px); font-weight: 800; letter-spacing: -.04em; line-height: 1.02; color: var(--ouro-claro); margin-top: 6px; }\n.ceni-site .mini .res .g { display: inline-flex; align-self: flex-start; margin-top: 10px; background: rgba(209,174,121,.16); color: var(--ouro-claro); border-radius: 999px; padding: 5px 12px; font-size: 13px; font-weight: 700; }\n.ceni-site .mini .res .cmp { margin: 14px 0 0 !important; font-size: 13.5px; color: rgba(255,255,255,.74); line-height: 1.5; }\n.ceni-site .mini .res .cmp b { color: #fff; }\n.ceni-site .mini .res .btn { margin-top: 16px; width: 100%; white-space: normal; text-align: center; }\n.ceni-site .mini .esq { display: flex; flex-direction: column; }\n.ceni-site .mini .esq .chips { display: grid; gap: 10px; margin-top: 14px; }\n.ceni-site .mini .esq .chips.montos { grid-template-columns: repeat(3, minmax(0, 1fr)); }\n.ceni-site .mini .esq .chips.plazos { grid-template-columns: repeat(2, minmax(0, 1fr)); }\n.ceni-site .mini .esq .chip { padding: 13px 10px !important; text-align: center; border-radius: 14px !important; }\n.ceni-site .mini .esq .chips.plazos .chip { padding: 18px 12px !important; font-size: 14.5px !important; }\n.ceni-site .mini .esq .lbl-s { margin-top: auto; padding-top: 22px; }\n.ceni-site .mini .esq .chips.plazos { margin-bottom: 0; }\n@media (min-width: 761px) {.ceni-site .mini .esq .campo { height: 72px; }\n.ceni-site .mini .esq .campo input { font-size: 30px !important; }\n }\n.ceni-site .mini .res .mais { margin-top: 12px; font-size: 13.5px; color: var(--ouro-claro) !important; font-weight: 700; text-align: center; }\n.ceni-site .corpo .faq { display: grid; gap: 10px; border-top: 0; }\n.ceni-site .corpo .faq details { background: #fff; border: 1px solid var(--cinza-2); border-radius: 16px; padding: 0 20px; box-shadow: 0 4px 14px rgba(1,16,61,.04); }\n.ceni-site .corpo .faq details[open] { border-color: #C9D5F7; }\n.ceni-site .corpo .faq summary { cursor: pointer; list-style: none; padding: 18px 0; font-weight: 700; font-size: 17px; display: flex; justify-content: space-between; gap: 16px; }\n.ceni-site .corpo .faq summary::-webkit-details-marker { display: none; }\n.ceni-site .corpo .faq summary::after { content: \"+\"; flex: 0 0 auto; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; background: var(--cinza-2); color: var(--profundo); font-size: 18px; line-height: 1; }\n.ceni-site .corpo .faq details[open] summary::after { content: \"\u2013\"; background: var(--profundo); color: #fff; }\n.ceni-site .corpo .faq details p { margin: 0 0 18px; color: var(--muted); }\n.ceni-site .corpo .paulo { margin-top: 44px; border-radius: 24px; padding: clamp(24px, 3vw, 36px); background: radial-gradient(ellipse 90% 120% at 0% 0%, #0F3092 0%, #04175A 45%, #01103D 85%); color: #fff; display: grid; grid-template-columns: 112px minmax(0, 1fr); gap: 22px 26px; align-items: start; }\n.ceni-site .corpo .paulo > img { width: 112px; height: 112px !important; border-radius: 50% !important; object-fit: cover; border: 3px solid var(--ouro) !important; }\n.ceni-site .corpo .paulo blockquote { margin: 0; font-family: \"Newsreader\", Georgia, serif; font-style: italic; font-size: clamp(19px, 1.8vw, 23px); line-height: 1.35; color: #fff !important; }\n.ceni-site .corpo .paulo .quem { margin-top: 12px; font-size: 14px; color: rgba(255,255,255,.72); }\n.ceni-site .corpo .paulo .quem b { color: #fff; font-size: 15.5px; }\n.ceni-site .corpo .paulo .caso-p { margin-top: 14px; padding: 12px 14px; border-radius: 12px; background: rgba(255,255,255,.07); font-size: 15px; color: rgba(255,255,255,.9); }\n.ceni-site .corpo .paulo .caso-p strong { color: var(--ouro-claro); }\n.ceni-site .corpo .paulo .btn { margin-top: 16px; }\n.ceni-site .corpo .author { margin-top: 44px; display: grid; grid-template-columns: auto 1fr; gap: 18px; align-items: center; border-top: 1px solid var(--cinza-2); padding-top: 26px; }\n.ceni-site .corpo .author .rostos { display: flex; }\n.ceni-site .corpo .author .rostos img { width: 64px; height: 64px !important; border-radius: 50% !important; object-fit: cover; object-position: 50% 22%; border: 2px solid #fff; margin-left: -14px; box-shadow: 0 4px 12px rgba(1,16,61,.15); }\n.ceni-site .corpo .author .rostos img:first-child { margin-left: 0; }\n.ceni-site .corpo .author b { display: block; font-size: 16px; }\n.ceni-site .corpo .author span { color: var(--muted); font-size: 14.5px; display: block; }\n.ceni-site .corpo .related h3 { margin: 0 0 12px !important; font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--royal); }\n.ceni-site .corpo .related .rel li > a[href] { border-radius: 16px; }\n.ceni-site .corpo aside { position: static; top: auto; align-self: stretch; display: block; }\n.ceni-site .corpo aside > .ph { border-radius: 16px; overflow: hidden; aspect-ratio: 3 \/ 2; margin-bottom: 14px; background: var(--cinza); }\n.ceni-site .corpo aside > .ph img { width: 100%; height: 100% !important; object-fit: cover; }\n.ceni-site .corpo aside .toc { border: 1px solid var(--cinza-2); border-radius: 16px; padding: 18px 18px 12px; background: #fff; margin-bottom: 14px; }\n.ceni-site .corpo aside .toc .t { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--muted); margin-bottom: 8px; }\n.ceni-site .corpo aside .toc a { display: block; padding: 7px 0 7px 12px; border-left: 2px solid var(--cinza-2); font-size: 13.5px; line-height: 1.35; color: var(--muted); }\n.ceni-site .corpo aside .toc a.on { border-left-color: var(--royal); color: var(--ink); font-weight: 700; }\n.ceni-site .corpo aside .lado-fixo { position: sticky; top: 100px; }\n.ceni-site .corpo aside .toc-b { display: none; }\n@media (min-height: 880px) {.ceni-site .corpo aside .toc-a { display: none; }\n.ceni-site .corpo aside .toc-b { display: block; }\n }\n.ceni-site .lado-wa { border-radius: 16px; padding: 20px; color: #fff; background: radial-gradient(120% 150% at 0% 0%, #0F3092 0%, #04175A 45%, #01103D 80%); }\n.ceni-site .lado-wa .rostos { display: flex; margin-bottom: 12px; }\n.ceni-site .lado-wa .rostos img { width: 42px; height: 42px !important; border-radius: 50% !important; object-fit: cover; object-position: 50% 22%; border: 2px solid var(--ouro) !important; margin-left: -10px; }\n.ceni-site .lado-wa .rostos img:first-child { margin-left: 0; }\n.ceni-site .lado-wa b { display: block; font-size: 17px; line-height: 1.25; color: #fff; }\n.ceni-site .lado-wa p { font-size: 14px; color: rgba(255,255,255,.78); margin: 6px 0 14px !important; }\n.ceni-site .lado-wa .btn { width: 100%; padding: 12px 14px; font-size: 14.5px; white-space: normal; }\n.ceni-site .lado-wa .mini-num { display: flex; gap: 14px; margin-top: 14px; padding-top: 12px; border-top: 1px solid rgba(255,255,255,.12); font-size: 12px; color: rgba(255,255,255,.66); }\n.ceni-site .lado-wa .mini-num strong { display: block; font-size: 20px; color: var(--ouro-claro); letter-spacing: -.02em; }\n.ceni-site .proximo { background: radial-gradient(ellipse 70% 80% at 30% 15%, #0F3092 0%, #04175A 45%, #01103D 82%); color: #fff; text-align: center; padding-block: clamp(64px, 9vw, 120px); }\n.ceni-site .proximo .wrap { display: grid; justify-items: center; gap: 0; }\n.ceni-site .proximo h2 { font-size: clamp(30px, 4.4vw, 56px); line-height: 1.06; max-width: 19ch; margin-top: 14px !important; font-weight: 700; color: #fff; letter-spacing: -.028em; }\n.ceni-site .proximo .lead { margin-top: 20px; max-width: 60ch; color: rgba(255,255,255,.86); font-size: clamp(16px, 1.4vw, 18.5px); }\n.ceni-site .proximo .pos { margin-top: 18px; max-width: 54ch; color: var(--ouro-claro); font-size: clamp(18px, 1.7vw, 22px); line-height: 1.4; }\n.ceni-site .proximo .acts { margin-top: 30px; display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; }\n.ceni-site .proximo .wa-nota { display: block; margin-top: 12px; font-size: 13px; color: rgba(255,255,255,.66); }\n@media (max-width: 1100px) {.ceni-site .prova-grid { grid-template-columns: minmax(0, 1fr); }\n }\n@media (max-width: 960px) {.ceni-site .g-hero .wrap { grid-template-columns: minmax(0, 1fr); }\n.ceni-site .corpo { grid-template-columns: minmax(0, 1fr); }\n.ceni-site .corpo aside { display: none; }\n.ceni-site .faixa .wrap { grid-template-columns: repeat(3, 1fr); }\n.ceni-site .faixa .wrap > div:nth-child(n+4) { border-top: 1px solid var(--cinza-2); }\n.ceni-site .faixa .wrap > div:nth-child(3) { border-right: 0; }\n\n  }\n@media (max-width: 720px) {.ceni-site .g-hero { padding: 92px 0 36px; }\n.ceni-site .g-hero h1 { font-size: clamp(29px, 8.4vw, 38px); }\n.ceni-site .g-hero .acts .btn { width: 100%; white-space: normal; }\n.ceni-site .diptico figure { aspect-ratio: 4 \/ 4.4; 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border: 1px solid var(--line) !important; border-radius: 4px !important; padding: 0 !important; margin: 0 0 0 2px !important; box-shadow: none !important; min-height: 0 !important; line-height: 1 !important; outline-offset: 2px; }\n.ceni-site .burger span { background: var(--navy) !important; }\n.ceni-site .menu-open .nav a { color: var(--ink) !important; }\n.ceni-site .header { top: 0; }\nbody.admin-bar .ceni-site .header { top: 32px; }\n@media (max-width: 782px) { body.admin-bar .ceni-site .header { top: 46px; } }\n<\/style>\n<div class=\"ceni-site\">\n<header class=\"header\">\n<div class=\"wrap\">\n<a class=\"logo\" href=\"\/wp\/\"><img decoding=\"async\" alt=\"Ceni &amp; Southier\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/logo-navy.png\"\/><\/a>\n<nav class=\"nav\"><a href=\"\/wp\/#quienes\">Quem somos<\/a><a href=\"\/wp\/#obras\">Obras entregues<\/a><a href=\"\/wp\/#como\">Como trabalhamos<\/a><a href=\"\/wp\/#floripa\">Por que Florian\u00f3polis<\/a><a class=\"on\" href=\"\/wp\/guias\/\">Guias<\/a><a href=\"\/wp\/#contacto\">Contato<\/a><a class=\"nav-cta btn-wa\" href=\"https:\/\/wa.me\/5548999049961?text=Ol%C3%A1%2C%20vim%20do%20site%20da%20Ceni%20%26%20Southier%20e%20quero%20uma%20an%C3%A1lise.\" rel=\"noopener\" target=\"_blank\"><svg aria-hidden=\"true\" viewbox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 0 0-8.6 15.1L2 22l5-1.3A10 10 0 1 0 12 2zm0 18.2a8.2 8.2 0 0 1-4.2-1.2l-.3-.2-3 .8.8-2.9-.2-.3A8.2 8.2 0 1 1 12 20.2zm4.5-6.1c-.2-.1-1.5-.7-1.7-.8s-.4-.1-.6.1-.6.8-.8 1-.3.2-.5.1a6.7 6.7 0 0 1-3.3-2.9c-.3-.4.2-.4.7-1.3.1-.2 0-.3 0-.4l-.8-1.8c-.2-.5-.4-.4-.6-.4h-.5a1 1 0 0 0-.7.3 3 3 0 0 0-.9 2.2 5.2 5.2 0 0 0 1.1 2.8 12 12 0 0 0 4.6 4c1.7.7 2.3.8 3.1.7a2.7 2.7 0 0 0 1.8-1.2 2.2 2.2 0 0 0 .1-1.2c0-.2-.2-.2-.4-.3z\"><\/path><\/svg><span>Falar com consultor<\/span><\/a><\/nav>\n<button aria-expanded=\"false\" aria-label=\"Menu\" class=\"burger\" style=\"margin-left:auto\" type=\"button\"><span><\/span><span><\/span><span><\/span><\/button>\n<\/div>\n<\/header>\n<main id=\"conteudo\">\n<section class=\"g-hero on-dark viagem\" id=\"top\">\n<div class=\"wrap\">\n<div>\n<div class=\"crumbs\"><a href=\"\/wp\/\">In\u00edcio<\/a><span>\u203a<\/span><a href=\"\/wp\/guias\/\">Guias<\/a><span>\u203a<\/span><a href=\"\/wp\/guias\/\">Morar em Florian\u00f3polis<\/a><span>\u203a<\/span><span>Plano de sa\u00fade<\/span><\/div>\n<div class=\"eyebrow\">Guia \u00b7 Morar em Florian\u00f3polis<\/div>\n<h1>Plano de sa\u00fade em Florian\u00f3polis: tipos, pre\u00e7o e reajuste<\/h1>\n<div class=\"meta\"><span>Atualizado: <b>outubro de 2026<\/b><\/span><span>9 min de leitura<\/span><span class=\"chk\">\u2713 ANS (reajuste de 29\/05\/2026), Lei 9.656\/1998 e RN 63\/2003 (out\/2026)<\/span><\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"resp\"><div class=\"wrap\"><div class=\"direct rv\"><div class=\"lbl\">Resposta direta<\/div><p>Em Florian\u00f3polis voc\u00ea contrata plano de sa\u00fade como em qualquer cidade brasileira: <b>individual ou familiar<\/b>, <b>coletivo empresarial<\/b> (pelo CNPJ) ou <b>coletivo por ades\u00e3o<\/b> (por associa\u00e7\u00e3o ou sindicato). O pre\u00e7o depende da idade, da cobertura e da rede. O reajuste dos individuais \u00e9 limitado pela <a href=\"https:\/\/www.gov.br\/ans\/pt-br\/assuntos\/consumidor\" rel=\"noopener\" target=\"_blank\">ANS<\/a>: em 2026, o teto \u00e9 de <b>5,11%<\/b> (an\u00fancio de 29\/05\/2026, para anivers\u00e1rios de maio\/2026 a abril\/2027). Os coletivos n\u00e3o seguem esse teto.<\/p><\/div><p class=\"lead\">Quem muda de S\u00e3o Paulo, Curitiba ou Porto Alegre para a Ilha, ou passa temporadas longas por aqui, logo pergunta: \u201cmeu plano vale em Florian\u00f3polis?\u201d e \u201cqual o melhor plano?\u201d. Esta guia responde pelas regras da ANS, sem listar pre\u00e7o de operadora, e liga o assunto ao or\u00e7amento de quem investe e vive a cidade.<\/p><p class=\"ponte-apoio prox-linha\">Constru\u00edmos no Norte da Ilha desde 2005. Pr\u00f3ximo passo: <a href=\"\/wp\/guias\/quanto-custa-morar-em-florianopolis\/\">Quanto custa morar em Florian\u00f3polis? Custo de vida 2026<\/a><\/p><nav aria-label=\"Neste guia\" class=\"toc-corpo\"><div class=\"t\">Neste guia<\/div><a href=\"#s1\">Quais s\u00e3o os tipos de plano de sa\u00fade que d\u00e1 para contratar em Florian\u00f3polis?<\/a><a href=\"#s2\">Quanto custa um plano de sa\u00fade em Florian\u00f3polis e de que depende o pre\u00e7o?<\/a><a href=\"#s3\">Qual o reajuste dos planos de sa\u00fade em 2026?<\/a><a href=\"#s4\">Quanto tempo de car\u00eancia vale e o que \u00e9 cobertura parcial tempor\u00e1ria?<\/a><a href=\"#s5\">O plano de sa\u00fade que tenho em outra cidade vale em Florian\u00f3polis?<\/a><a href=\"#s6\">Como conferir e escolher o melhor plano de sa\u00fade em Florian\u00f3polis?<\/a><a href=\"#s7\">Como encontrar um plano de sa\u00fade mais em conta em Florian\u00f3polis?<\/a><a href=\"#s8\">Por que o plano de sa\u00fade entra na conta de quem investe e passa temporadas na Ilha?<\/a><a href=\"#s9\">Antes de contratar ou trocar o plano de sa\u00fade<\/a><a href=\"#s10\">Perguntas frequentes<\/a><\/nav><\/div><\/section>\n<div class=\"wrap corpo\">\n<article>\n<h2 id=\"s1\">Quais s\u00e3o os tipos de plano de sa\u00fade que d\u00e1 para contratar em Florian\u00f3polis?<\/h2>\n<p class=\"resumo\">H\u00e1 tr\u00eas caminhos: individual ou familiar, coletivo empresarial e coletivo por ades\u00e3o; s\u00f3 o individual tem reajuste com teto anual da ANS.<\/p>\n<div class=\"tablewrap\"><table><thead><tr><th>Tipo<\/th><th>Quem contrata<\/th><th>Como funciona o reajuste<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Tipo\"><b>Individual ou familiar<\/b><\/td><td data-label=\"Quem contrata\">Pessoa f\u00edsica, direto com a operadora<\/td><td data-label=\"Como funciona o reajuste\">Teto definido todo ano pela ANS<\/td><\/tr><tr><td data-label=\"Tipo\"><b>Coletivo empresarial<\/b><\/td><td data-label=\"Quem contrata\">Quem tem CNPJ (empresa, MEI) ou v\u00ednculo com a empresa<\/td><td data-label=\"Como funciona o reajuste\">Negociado com a operadora; a ANS acompanha<\/td><\/tr><tr><td data-label=\"Tipo\"><b>Coletivo por ades\u00e3o<\/b><\/td><td data-label=\"Quem contrata\">Quem faz parte de associa\u00e7\u00e3o, conselho ou sindicato<\/td><td data-label=\"Como funciona o reajuste\">Negociado entre a entidade e a operadora<\/td><\/tr><\/tbody><\/table><\/div>\n<p class=\"src\">Fonte: ANS e <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/l9656.htm\" rel=\"noopener\" target=\"_blank\">Lei 9.656\/1998<\/a>. Consulta em outubro de 2026.<\/p>\n<p>Quem busca \u201cplano de sa\u00fade pessoa f\u00edsica\u201d encontra primeiro os individuais, mas as operadoras vendem poucos desses. Muita gente chega ao plano pelo CNPJ ou por uma entidade de classe. Em qualquer caso, o plano precisa ter registro na ANS: voc\u00ea confere o nome da operadora e o n\u00famero do produto no portal da ag\u00eancia.<\/p>\n<h2 id=\"s2\">Quanto custa um plano de sa\u00fade em Florian\u00f3polis e de que depende o pre\u00e7o?<\/h2>\n<p class=\"resumo\">O pre\u00e7o depende de idade (dez faixas, com a \u00faltima no m\u00e1ximo seis vezes a primeira), cobertura, acomoda\u00e7\u00e3o, rede e abrang\u00eancia; compare cota\u00e7\u00f5es iguais.<\/p>\n<p>N\u00e3o existe pre\u00e7o \u00fanico: ele muda de operadora para operadora e de produto para produto. O que a regra da ANS fixa \u00e9 a l\u00f3gica. Os planos t\u00eam <b>dez faixas de idade<\/b>, e o valor da \u00faltima faixa n\u00e3o pode passar de <b>seis vezes<\/b> o da primeira (RN 63\/2003). Al\u00e9m da idade, pesam a <b>cobertura<\/b> (s\u00f3 consultas e exames, s\u00f3 interna\u00e7\u00e3o, ou completo com obstetr\u00edcia), o <b>tipo de acomoda\u00e7\u00e3o<\/b> (enfermaria ou apartamento), a <b>rede credenciada<\/b> e a <b>\u00e1rea de abrang\u00eancia<\/b>.<\/p>\n<p>Por isso, desconfie de qualquer \u201cpre\u00e7o de plano em Florian\u00f3polis\u201d sem idade, cobertura e rede. O jeito honesto de comparar \u00e9 pedir a mesma cota\u00e7\u00e3o, com os mesmos dados, a mais de uma corretora ou operadora, e olhar o contrato inteiro, n\u00e3o s\u00f3 a mensalidade.<\/p>\n<p class=\"src\">Fonte: ANS, RN 63\/2003 (faixas et\u00e1rias). Consulta em outubro de 2026.<\/p>\n<h2 id=\"s3\">Qual o reajuste dos planos de sa\u00fade em 2026?<\/h2>\n<p class=\"resumo\">O teto da ANS para planos individuais em 2026 \u00e9 de 5,11% (29\/05\/2026, anivers\u00e1rios de maio\/2026 a abril\/2027); os coletivos s\u00e3o negociados.<\/p>\n<p>Para os planos <b>individuais e familiares<\/b>, a ANS definiu em 29\/05\/2026 o teto de <b>5,11%<\/b>, v\u00e1lido para contratos com anivers\u00e1rio entre maio de 2026 e abril de 2027. \u00c9 o menor \u00edndice desde 2000, sem contar 2021. Nos anos anteriores foram 6,06% (2025) e 6,91% (2024). O reajuste s\u00f3 pode ser cobrado no m\u00eas de anivers\u00e1rio do contrato.<\/p>\n<div class=\"two\"><div><h3>Individual ou familiar<\/h3><ul><li>Teto anual definido pela ANS.<\/li><li>5,11% para anivers\u00e1rios de maio\/2026 a abril\/2027.<\/li><\/ul><\/div><div><h3>Coletivo (empresarial ou ades\u00e3o)<\/h3><ul><li>N\u00e3o segue o teto da ANS: \u00e9 negociado.<\/li><li>Contratos com menos de 30 benefici\u00e1rios entram num agrupamento para calcular o reajuste (RN 309\/2012).<\/li><\/ul><\/div><\/div>\n<p class=\"src\">Fonte: ANS, an\u00fancio de 29\/05\/2026 (divulgado pela Ag\u00eancia Brasil, Band e Congresso em Foco); RN 309\/2012. Consulta em outubro de 2026.<\/p>\n<h2 id=\"s4\">Quanto tempo de car\u00eancia vale e o que \u00e9 cobertura parcial tempor\u00e1ria?<\/h2>\n<p class=\"resumo\">A lei limita a car\u00eancia a 24 h (urg\u00eancia e emerg\u00eancia), 300 dias (parto) e 180 dias (demais casos), com cobertura parcial de at\u00e9 24 meses para doen\u00e7a preexistente.<\/p>\n<p>Car\u00eancia \u00e9 o prazo que voc\u00ea espera para usar certos servi\u00e7os depois de assinar. A Lei 9.656\/1998 fixa os limites m\u00e1ximos: <b>24 horas<\/b> para urg\u00eancia e emerg\u00eancia, <b>300 dias<\/b> para parto e <b>180 dias<\/b> para os demais procedimentos. Quem declara uma doen\u00e7a ou les\u00e3o que j\u00e1 tinha pode ter <b>cobertura parcial tempor\u00e1ria<\/b>, de at\u00e9 <b>24 meses<\/b>, para procedimentos ligados \u00e0quela condi\u00e7\u00e3o.<\/p>\n<p>Se voc\u00ea j\u00e1 tem plano em outra cidade, a <b>portabilidade de car\u00eancias<\/b> permite trocar de operadora sem cumprir tudo de novo, desde que as condi\u00e7\u00f5es da ANS estejam atendidas. As regras da portabilidade mudam por norma: veja o prazo m\u00ednimo de perman\u00eancia vigente no portal da ANS antes de cancelar o plano antigo.<\/p>\n<p class=\"src\">Fonte: Lei 9.656\/1998; ANS. Consulta em outubro de 2026.<\/p>\n<h2 id=\"s5\">O plano de sa\u00fade que tenho em outra cidade vale em Florian\u00f3polis?<\/h2>\n<p class=\"resumo\">O que decide \u00e9 a \u00e1rea de abrang\u00eancia do contrato (municipal, estadual ou nacional) e a rede credenciada de Florian\u00f3polis; pe\u00e7a a lista por escrito.<\/p>\n<p>Depende da <b>\u00e1rea de abrang\u00eancia geogr\u00e1fica<\/b> do seu produto, que est\u00e1 no contrato: pode ser municipal, um grupo de munic\u00edpios, estadual, um grupo de estados ou nacional. Um plano com abrang\u00eancia s\u00f3 do munic\u00edpio de S\u00e3o Paulo, por exemplo, n\u00e3o cobre atendimento eletivo aqui, e a urg\u00eancia segue as regras de cada contrato. Plano nacional costuma ter rede tamb\u00e9m em Santa Catarina, mas <b>a rede credenciada da cidade<\/b> \u00e9 a que vale: pe\u00e7a a lista por escrito.<\/p>\n<p>Tr\u00eas perguntas resolvem a maioria dos casos: a abrang\u00eancia do meu produto inclui Santa Catarina? A rede de Florian\u00f3polis atende o que eu uso? Vale mais manter, trocar por portabilidade ou contratar um novo?<\/p>\n<p class=\"src\">Fonte: ANS (\u00e1rea de abrang\u00eancia geogr\u00e1fica do produto). Consulta em outubro de 2026.<\/p>\n<h2 id=\"s6\">Como conferir e escolher o melhor plano de sa\u00fade em Florian\u00f3polis?<\/h2>\n<p class=\"resumo\">Confira o registro na ANS, defina cobertura, veja a rede da cidade por escrito, compare cota\u00e7\u00f5es iguais e leia car\u00eancia e reajuste.<\/p>\n<ol class=\"steps\"><li><div><b>Confira o registro<\/b><span>Operadora e produto precisam estar registrados na ANS: consulte no portal da ag\u00eancia. D\u00favidas ou reclama\u00e7\u00f5es: Disque ANS, 0800 701 9656.<\/span><\/div><\/li><li><div><b>Defina a cobertura<\/b><span>Ambulatorial, hospitalar, obstetr\u00edcia ou refer\u00eancia (completo). Todo plano segue o Rol de Procedimentos da ANS.<\/span><\/div><\/li><li><div><b>Veja a rede e a abrang\u00eancia<\/b><span>Pe\u00e7a por escrito laborat\u00f3rios, cl\u00ednicas e hospitais credenciados na cidade que voc\u00ea vai usar.<\/span><\/div><\/li><li><div><b>Compare cota\u00e7\u00f5es iguais<\/b><span>Mesma idade, mesma cobertura, mesma acomoda\u00e7\u00e3o, em mais de uma corretora.<\/span><\/div><\/li><li><div><b>Leia car\u00eancia e reajuste<\/b><span>Individual, teto da ANS; coletivo, regra do contrato.<\/span><\/div><\/li><\/ol>\n<p>\u201cMelhor plano de sa\u00fade\u201d \u00e9 o que atende o que voc\u00ea usa, na cidade em que vive, por um pre\u00e7o que cabe no or\u00e7amento. Nomes de operadoras s\u00e3o marcas: o que vale \u00e9 o produto que voc\u00ea contrata, a rede e o contrato.<\/p>\n<h2 id=\"s7\">Como encontrar um plano de sa\u00fade mais em conta em Florian\u00f3polis?<\/h2>\n<p class=\"resumo\">O pre\u00e7o cai com cobertura menor (s\u00f3 ambulatorial), rede regional, coparticipa\u00e7\u00e3o ou contrata\u00e7\u00e3o coletiva por ades\u00e3o, sempre comparando cota\u00e7\u00f5es iguais.<\/p>\n<p>Quem procura plano mais em conta em Florian\u00f3polis tem quatro caminhos legais, todos regulados pela ANS. <b>Segmenta\u00e7\u00e3o:<\/b> o plano s\u00f3 ambulatorial custa menos que o hospitalar, mas n\u00e3o cobre interna\u00e7\u00e3o (Lei 9.656\/1998, art. 12). <b>Rede:<\/b> produtos regionais, com rede da Grande Florian\u00f3polis, custam menos que os nacionais. <b>Coparticipa\u00e7\u00e3o:<\/b> voc\u00ea paga parte de cada consulta ou exame e a mensalidade cai; leia o contrato para saber o limite. <b>Ades\u00e3o:<\/b> o coletivo por associa\u00e7\u00e3o ou sindicato costuma ter pre\u00e7o menor, com reajuste negociado.<\/p>\n<p>Pe\u00e7a a mesma cota\u00e7\u00e3o, com a mesma idade e cobertura, a mais de uma operadora. Veja o custo total na guia <a href=\"\/wp\/guias\/quanto-custa-morar-em-florianopolis\/\">quanto custa morar em Florian\u00f3polis<\/a>.<\/p>\n<p class=\"src\">Fonte: ANS; Lei 9.656\/1998. Consulta em 16\/10\/2026.<\/p>\n<h2 id=\"s8\">Por que o plano de sa\u00fade entra na conta de quem investe e passa temporadas na Ilha?<\/h2>\n<p class=\"resumo\">A sa\u00fade \u00e9 custo fixo de quem vive ou passa temporadas na Ilha; quem fica pensa no pr\u00f3prio im\u00f3vel, e na planta a refer\u00eancia da Ceni &amp; Southier \u00e9 de 20% ao ano durante a obra.<\/p>\n<p>Porque \u00e9 um custo fixo da vida na cidade, e quem planeja morar ou passar meses por aqui coloca a sa\u00fade no or\u00e7amento junto com o aluguel e o condom\u00ednio. O custo total est\u00e1 na guia <a href=\"\/wp\/guias\/quanto-custa-morar-em-florianopolis\/\">Quanto custa morar em Florian\u00f3polis<\/a>, e os bairros em <a href=\"\/wp\/guias\/morar-em-florianopolis-norte-ou-sul-bairro-por-bairro\/\">Morar em Florian\u00f3polis: norte ou sul<\/a>.<\/p>\n<p>Quem vem trabalhar uma temporada costuma ser o <b>inquilino de m\u00e9dio prazo<\/b> do aluguel h\u00edbrido (por meses fora do ver\u00e3o, em contrato de temporada de at\u00e9 90 dias, <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/l8245.htm\" rel=\"noopener\" target=\"_blank\">Lei 8.245\/1991<\/a>, art. 48). Quem gosta da vida na Ilha costuma pensar em ter o pr\u00f3prio im\u00f3vel. Na planta, a refer\u00eancia da Ceni &amp; Southier \u00e9 de <b>20% ao ano durante a obra<\/b>, do pre\u00e7o de lan\u00e7amento ao de entrega; os casos entregues, em reais, foram Solar de L\u00f3tus +228%, Solar da Cachoeira +200% e Solar de Bougainville +120%.<\/p>\n<h2 id=\"s9\">Antes de contratar ou trocar o plano de sa\u00fade<\/h2>\n<ul class=\"check\"><li>O plano e a operadora est\u00e3o registrados na ANS?<\/li><li>A \u00e1rea de abrang\u00eancia inclui Santa Catarina?<\/li><li>Voc\u00ea tem a lista da rede credenciada em Florian\u00f3polis, por escrito?<\/li><li>Comparou cota\u00e7\u00f5es com a mesma idade e a mesma cobertura?<\/li><li>Leu as car\u00eancias e a regra de reajuste do contrato?<\/li><\/ul>\n<section aria-label=\"O que aconteceu com o mesmo dinheiro\" class=\"prova-corpo on-dark rv\">\n<div class=\"eyebrow\">O que j\u00e1 aconteceu \u00b7 n\u00e3o \u00e9 proje\u00e7\u00e3o<\/div>\n<p class=\"h2like\">Tr\u00eas pr\u00e9dios entregues, do pre\u00e7o na planta ao an\u00fancio de hoje.<\/p>\n<div class=\"casos3\"><div class=\"caso rv\"><div class=\"ph\"><img decoding=\"async\" alt=\"Solar de L\u00f3tus, Ingleses Norte\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/obra-lotus.jpg\"\/><div class=\"selo\">+228%<small>em reais<\/small><\/div><\/div><div class=\"bd\"><b>Solar de L\u00f3tus<\/b><span class=\"bairro\">Ingleses Norte<\/span><div class=\"vals\"><div>Na planta, dez\/2017<strong>R$ 232 mil<\/strong><\/div><div class=\"hoje\">Hoje<strong>R$ 760 mil<\/strong><\/div><\/div><div class=\"ent\">Entregue em 2021<\/div><\/div><\/div><div class=\"caso rv\"><div class=\"ph\"><img decoding=\"async\" alt=\"Solar da Cachoeira, Cachoeira do Bom Jesus\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/obra-cachoeira.jpg\"\/><div class=\"selo\">+200%<small>em reais<\/small><\/div><\/div><div class=\"bd\"><b>Solar da Cachoeira<\/b><span class=\"bairro\">Cachoeira do Bom Jesus<\/span><div class=\"vals\"><div>Na planta, 2020<strong>R$ 225 mil<\/strong><\/div><div class=\"hoje\">Hoje<strong>R$ 675 mil<\/strong><\/div><\/div><div class=\"ent\">Entregue em dez\/2023, antes do prazo<\/div><\/div><\/div><div class=\"caso rv\"><div class=\"ph\"><img decoding=\"async\" alt=\"Solar de Bougainville, Cachoeira do Bom Jesus\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/obra-bougainville.jpg\"\/><div class=\"selo\">+120%<small>em reais<\/small><\/div><\/div><div class=\"bd\"><b>Solar de Bougainville<\/b><span class=\"bairro\">Cachoeira do Bom Jesus<\/span><div class=\"vals\"><div>Na planta, 2022<strong>R$ 546 mil<\/strong><\/div><div class=\"hoje\">Hoje<strong>R$ 1,2 milh\u00e3o<\/strong><\/div><\/div><div class=\"ent\">Entregue em 2025<\/div><\/div><\/div><\/div>\n<div class=\"prova-pe\"><div class=\"familia\"><div class=\"rostos\"><img decoding=\"async\" alt=\"M\u00e1rcio Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/equipe-marcio-v2.jpg\"\/><img decoding=\"async\" alt=\"Marlene Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/marlene-v3.jpg\"\/><img decoding=\"async\" alt=\"Pedro Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/pedro-v8.jpg\"\/><\/div><div><b>Zero atraso em 20 anos. Uma fam\u00edlia, doze obras entregues.<\/b><p class=\"zero\">O Solar da Cachoeira tinha prazo at\u00e9 mar\u00e7o de 2024 e <b>foi entregue em dezembro de 2023<\/b>. Mandamos o contrato e o endere\u00e7o de cada obra para voc\u00ea ir ver.<\/p><\/div><\/div><\/div>\n<p class=\"src\">Pre\u00e7o de contrato na planta e an\u00fancio publicado em 2026 de unidade equivalente do mesmo pr\u00e9dio, em reais. Estudo da Ceni &amp; Southier, outubro de 2026.<\/p>\n<\/section>\n<h2 id=\"s10\">Perguntas frequentes<\/h2><div class=\"faq\"><details><summary>Como contratar plano de sa\u00fade pessoa f\u00edsica em Florian\u00f3polis?<\/summary><p>Pelo plano individual ou familiar, direto com a operadora, ou pelo coletivo por ades\u00e3o, via associa\u00e7\u00e3o ou sindicato. Confira o registro da operadora na ANS.<\/p><\/details><details><summary>Preciso de CNPJ para contratar plano de sa\u00fade?<\/summary><p>N\u00e3o \u00e9 obrigat\u00f3rio, mas o coletivo empresarial exige v\u00ednculo com uma empresa ou CNPJ. O individual e o coletivo por ades\u00e3o s\u00e3o alternativas.<\/p><\/details><details><summary>Meu plano de S\u00e3o Paulo, Curitiba ou Porto Alegre vale em Florian\u00f3polis?<\/summary><p>S\u00f3 se a \u00e1rea de abrang\u00eancia do contrato incluir Santa Catarina. Leia o contrato e pe\u00e7a a rede da cidade por escrito.<\/p><\/details><details><summary>Quanto tempo \u00e9 a car\u00eancia de um plano de sa\u00fade?<\/summary><p>No m\u00e1ximo 24 horas para urg\u00eancia e emerg\u00eancia, 300 dias para parto e 180 dias para os demais casos (Lei 9.656\/1998). A portabilidade pode reduzir novas car\u00eancias.<\/p><\/details><details><summary>Unimed e Amil atendem em Florian\u00f3polis?<\/summary><p>O que vale \u00e9 o produto que voc\u00ea contrata e a rede credenciada dele. Pe\u00e7a a abrang\u00eancia e a lista de rede da cidade por escrito antes de assinar.<\/p><\/details><details><summary>Quanto custa o plano de sa\u00fade da Unimed em Florian\u00f3polis e qual o telefone?<\/summary><p>O pre\u00e7o s\u00f3 sai em cota\u00e7\u00e3o, com idade, cobertura e rede. Unimed \u00e9 um sistema de cooperativas m\u00e9dicas, cada uma com \u00e1rea e produtos pr\u00f3prios. Telefone e simula\u00e7\u00e3o ficam no site oficial da operadora, conferido no portal da ANS.<\/p><\/details><details><summary>Existe plano de sa\u00fade com mensalidade menor em Florian\u00f3polis para pessoa f\u00edsica?<\/summary><p>H\u00e1 produtos de menor mensalidade (ambulatorial, regional, com coparticipa\u00e7\u00e3o), mas a oferta de individuais \u00e9 pequena. Compare o contrato inteiro, n\u00e3o s\u00f3 o valor mensal (ANS).<\/p><\/details><\/div>\n<div class=\"paulo rv\">\n<img decoding=\"async\" alt=\"Paulo Dalla C\u00f4rt\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/paulo-dallacort.jpg\"\/>\n<div>\n<blockquote>\u201cInvisto com a Ceni h\u00e1 10 anos, comprando e vendendo apartamentos o tempo todo com ganho (\u2026). A Ceni \u00e9 um s\u00f3cio de investimento que me deu seguran\u00e7a ao longo de todos estes anos.\u201d<\/blockquote>\n<div class=\"quem\"><b>Paulo Dalla C\u00f4rt<\/b> \u00b7 empres\u00e1rio, investidor da Ceni h\u00e1 10 anos<\/div>\n<div class=\"caso-p\">Solar de Bougainville: comprou em 2022 por <strong>R$ 546 mil<\/strong> e vendeu em 2026 por <strong>R$ 1,1 milh\u00e3o<\/strong>: <strong>+101% em reais<\/strong>. Uma venda fechada, n\u00e3o um an\u00fancio.<\/div>\n<\/div>\n<\/div>\n<div class=\"author\"><div class=\"rostos\"><img decoding=\"async\" alt=\"M\u00e1rcio Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/equipe-marcio-v2.jpg\"\/><img decoding=\"async\" alt=\"Marlene Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/marlene-v3.jpg\"\/><img decoding=\"async\" alt=\"Pedro Ceni\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/pedro-v8.jpg\"\/><\/div><div><b>Escrito pela fam\u00edlia Ceni \u2014 M\u00e1rcio, Marlene e Pedro<\/b><span>Empresa familiar \u00b7 vinte anos construindo no Norte de Florian\u00f3polis.<\/span><span class=\"vig\">Vigente em outubro de 2026<\/span><\/div><\/div>\n<div class=\"related\"><h3>Mais sobre este assunto<\/h3><ul class=\"rel\"><li><a href=\"\/wp\/guias\/hospitais-em-florianopolis-publicos-particulares-convenios\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-brhospitais.jpg\"\/><\/span><span><span class=\"k\">Guia<\/span><b>Hospitais em Florian\u00f3polis: p\u00fablicos, particulares e conv\u00eanios<\/b><\/span><\/a><\/li><li><a href=\"\/wp\/guias\/salario-medio-em-florianopolis-minimo-e-por-profissao\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-brsalarios.jpg\"\/><\/span><span><span class=\"k\">Guia<\/span><b>Sal\u00e1rio m\u00e9dio em Florian\u00f3polis: m\u00ednimo e por profiss\u00e3o<\/b><\/span><\/a><\/li><li><a href=\"\/wp\/guias\/escolas-publicas-em-florianopolis-matricula-municipal-estadual\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-brescolaspublicas.jpg\"\/><\/span><span><span class=\"k\">Guia<\/span><b>Escolas p\u00fablicas em Florian\u00f3polis: matr\u00edcula, creche e redes<\/b><\/span><\/a><\/li><\/ul><\/div>\n<\/article>\n<aside>\n<div class=\"ph\"><img decoding=\"async\" alt=\"Vista de Florian\u00f3polis, onde quem muda para a Ilha precisa escolher o plano de sa\u00fade\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-salud.jpg\"\/><\/div>\n<div class=\"lado-fixo\">\n<div class=\"lado-wa\">\n<div class=\"rostos\"><img decoding=\"async\" alt=\"\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/equipe-marcio-v2.jpg\"\/><img decoding=\"async\" alt=\"\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/marlene-v3.jpg\"\/><img decoding=\"async\" alt=\"\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/pedro-v8.jpg\"\/><\/div>\n<b>Vamos ver com os seus n\u00fameros?<\/b>\n<p>Voc\u00ea fala direto com a fam\u00edlia que constr\u00f3i, pelo WhatsApp.<\/p>\n<div class=\"mini-num\"><div><strong>0<\/strong>atrasos<\/div><div><strong>12<\/strong>obras<\/div><div><strong>+228%<\/strong>L\u00f3tus, em R$<\/div><\/div>\n<\/div>\n<\/div>\n<\/aside>\n<\/div>\n<section aria-label=\"Continue lendo\" class=\"siguiente on-dark\" id=\"siguiente\">\n<div class=\"wrap\">\n<div class=\"eyebrow\">Continue lendo<\/div>\n<h2>Se Florian\u00f3polis entrou na sua lista, isto \u00e9 o que vem depois.<\/h2>\n<p class=\"lead\">Tr\u00eas guias para o passo seguinte: como \u00e9 morar, que bairro olhar e o que muda para quem vem de fora.<\/p>\n<div class=\"sig-grid\"><a class=\"sig-card rv\" href=\"\/wp\/guias\/quanto-custa-morar-em-florianopolis\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-costo.jpg\"\/><\/span><span class=\"bd\"><b>Quanto custa morar em Florian\u00f3polis? Custo de vida 2026<\/b><small>Quanto custa morar em Florian\u00f3polis por m\u00eas, com fontes: a conta completa, n\u00e3o a das f\u00e9rias.<\/small><em>Ler o guia \u2192<\/em><\/span><\/a><a class=\"sig-card rv\" href=\"\/wp\/guias\/mudar-para-florianopolis-roteiro-sp-pr-rs\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-brmudar.jpg\"\/><\/span><span class=\"bd\"><b>Mudar para Florian\u00f3polis: o roteiro de quem vem de SP, PR ou RS<\/b><small>Mudar para Florian\u00f3polis: o roteiro, da decis\u00e3o \u00e0 primeira semana.<\/small><em>Ler o guia \u2192<\/em><\/span><\/a><a class=\"sig-card rv\" href=\"\/wp\/guias\/morar-em-florianopolis-vale-a-pena\/\"><span class=\"ph\"><img decoding=\"async\" alt=\"Florian\u00f3polis, Norte da Ilha\" loading=\"lazy\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/10\/capa-ventajas.jpg\"\/><\/span><span class=\"bd\"><b>Morar em Florian\u00f3polis vale a pena? O que a cidade entrega<\/b><small>Morar em Florian\u00f3polis vale a pena? O que a cidade entrega, com dados, para pensar al\u00e9m da viagem.<\/small><em>Ler o guia \u2192<\/em><\/span><\/a><\/div>\n<a class=\"btn btn-ghost\" href=\"\/wp\/guias\/\">Ver todos os guias<\/a>\n<\/div>\n<\/section>\n<\/main>\n<footer class=\"rod-escuro\">\n<div class=\"wrap\">\n<img decoding=\"async\" alt=\"Ceni &amp; Southier\" src=\"https:\/\/ceniconstrucoes.com.br\/wp\/wp-content\/uploads\/2026\/09\/logo-white.png\"\/>\n<div class=\"cols\">\n<div><b>Ceni &amp; Southier Constru\u00e7\u00f5es Ltda.<\/b><br\/>Investimento imobili\u00e1rio na planta \u00b7 desde 2005<\/div>\n<div><b>Florian\u00f3polis, SC \u00b7 Brasil<\/b><br\/>Av. 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