{"id":1717,"date":"2023-03-08T11:50:36","date_gmt":"2023-03-08T14:50:36","guid":{"rendered":"https:\/\/dev.rsamurai.com.br\/goncalves\/?page_id=1717"},"modified":"2025-08-14T11:38:15","modified_gmt":"2025-08-14T14:38:15","slug":"seguro-de-vida","status":"publish","type":"page","link":"https:\/\/dev.rsamurai.com.br\/rnaves\/seguro-de-vida\/","title":{"rendered":"Seguro de Vida"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1717\" class=\"elementor elementor-1717\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16fa75b e-flex e-con-boxed e-con e-parent\" data-id=\"16fa75b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ffa7cb9 e-con-full e-flex e-con e-child\" data-id=\"ffa7cb9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35575db elementor-widget elementor-widget-heading\" data-id=\"35575db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Seguro Vida<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b6e17c elementor-widget elementor-widget-heading\" data-id=\"2b6e17c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Porque amar tamb\u00e9m \u00e9 proteger!<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f6679e e-flex e-con-boxed e-con e-parent\" data-id=\"6f6679e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;arrow&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle&quot;,&quot;shape_divider_bottom_negative&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 700 10\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M350,10L340,0h20L350,10z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M500.2,94.7L0,0v100h1000V0L500.2,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61e7b97 e-con-full e-flex e-con e-child\" data-id=\"61e7b97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89228f0 elementor-widget elementor-widget-text-editor\" data-id=\"89228f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O Seguro Vida \u00e9 a melhor forma de <strong>cuidar e proteger o futuro financeiro das pessoas que voc\u00ea mais ama<\/strong>!<\/p><p>Ele garante amparo em momentos delicados, protegendo sua fam\u00edlia diante de situa\u00e7\u00f5es como falecimento, invalidez, diagn\u00f3stico de doen\u00e7as graves ou, at\u00e9 mesmo, afastamentos por acidentes.<\/p><p>Conte com a consultoria especializada da R\u2019Naves para encontrar o seguro certo, que atenda \u00e0s suas necessidades e objetivos. 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class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Prote\u00e7\u00e3o financeira caso voc\u00ea fique total ou parcialmente incapacitado devido a um acidente, garantindo suporte para sua recupera\u00e7\u00e3o e adapta\u00e7\u00e3o.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-481e2c4 e-con-full e-flex e-con e-child\" data-id=\"481e2c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d75f546 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d75f546\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 600 600\"><path 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Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-765db7e elementor-widget elementor-widget-heading\" data-id=\"765db7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Morte natural ou acidental <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80d9327 elementor-widget elementor-widget-heading\" data-id=\"80d9327\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Garantia de compensa\u00e7\u00e3o financeira para seus benefici\u00e1rios em caso de falecimento, seja por causas naturais ou 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Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-037edcb elementor-widget elementor-widget-heading\" data-id=\"037edcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assist\u00eancia funeral <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd20ed5 elementor-widget elementor-widget-heading\" data-id=\"bd20ed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Essa cobertura oferece apoio financeiro dos custos relacionados ao funeral, aliviando sua fam\u00edlia em momentos 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z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1473593 elementor-widget elementor-widget-heading\" data-id=\"1473593\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Despesas m\u00e9dicas e hospitalares <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f72a5d elementor-widget elementor-widget-heading\" data-id=\"0f72a5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Cobertura adicional para despesas com tratamentos m\u00e9dicos e hospitalares decorrentes de acidentes, ajudando a minimizar os custos inesperados.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28b649b e-con-full e-flex e-con e-parent\" data-id=\"28b649b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7bd246 elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"a7bd246\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;8&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;navigation&quot;:&quot;dots&quot;,&quot;autoplay_speed&quot;:0,&quot;speed&quot;:2000,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrossel de imagens\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-mapfre-seguros.png\" alt=\"logo-mapfre-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-porto-seguro.png\" alt=\"logo-porto-seguro\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-sompo-seguros.png\" alt=\"logo-sompo-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-suhai-seguradora.png\" alt=\"logo-suhai-seguradora\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-tokio-marine-seguradora.png\" alt=\"logo-tokio-marine-seguradora\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-zurich-seguros.png\" alt=\"logo-zurich-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-yelum-seguradora.png\" alt=\"logo-yelum-seguradora\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-aliro-seguro.png\" alt=\"logo-aliro-seguro\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-allianz.png\" alt=\"logo-allianz\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-azul-seguros.png\" alt=\"logo-azul-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"11 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-bradesco-seguros.png\" alt=\"logo-bradesco-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"12 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-ezze.png\" alt=\"logo-ezze\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"13 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-hdi-seguros.png\" alt=\"logo-hdi-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"14 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-itau-seguros.png\" alt=\"logo-itau-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"15 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-liberty-seguros.png\" alt=\"logo-liberty-seguros\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"16 de 16\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/dev.rsamurai.com.br\/rnaves\/wp-content\/uploads\/2025\/08\/logo-mitsui-sumitomo.png\" alt=\"logo-mitsui-sumitomo\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf8d63a e-flex e-con-boxed e-con e-parent\" data-id=\"cf8d63a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70442d9 e-con-full e-flex e-con e-child\" data-id=\"70442d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92799af elementor-widget elementor-widget-heading\" data-id=\"92799af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Proteja quem voc\u00ea ama com a R\u2019Naves Seguros!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd6a91e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"bd6a91e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/dev.rsamurai.com.br\/rnaves\/contato\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicite sua cota\u00e7\u00e3o<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Seguro Vida Porque amar tamb\u00e9m \u00e9 proteger! O Seguro Vida \u00e9 a melhor forma de cuidar e proteger o futuro financeiro das pessoas que voc\u00ea mais ama! Ele garante amparo em momentos delicados, protegendo sua fam\u00edlia diante de situa\u00e7\u00f5es como falecimento, invalidez, diagn\u00f3stico de doen\u00e7as graves ou, at\u00e9 mesmo, afastamentos por acidentes. Conte com a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1717","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seguro de Vida | R&#039;Naves Seguros<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seguro de Vida | R&#039;Naves Seguros\" \/>\n<meta property=\"og:description\" content=\"Seguro Vida Porque amar tamb\u00e9m \u00e9 proteger! O Seguro Vida \u00e9 a melhor forma de cuidar e proteger o futuro financeiro das pessoas que voc\u00ea mais ama! Ele garante amparo em momentos delicados, protegendo sua fam\u00edlia diante de situa\u00e7\u00f5es como falecimento, invalidez, diagn\u00f3stico de doen\u00e7as graves ou, at\u00e9 mesmo, afastamentos por acidentes. 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