Related legislation can be found on the following links: http://www.ans.gov.br/aans/noticias-ans/consumidor/4499-ans-define-regras-para-cobranca-de-coparticipacao-e-franquia-em-planos-de-saude http://www.ans.gov.br/aans/noticias-ans/sobre-a-ans/3758-reembolso