{"id":646027,"date":"2022-06-09T02:37:00","date_gmt":"2022-06-09T02:37:00","guid":{"rendered":"https:\/\/www.capgemini.com\/br-pt\/?post_type=research-and-insight&#038;p=646027"},"modified":"2026-02-11T02:43:15","modified_gmt":"2026-02-11T02:43:15","slug":"analise-de-mercado-do-open-insurance-desafios-oportunidades-e-estrategias","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/analise-de-mercado-do-open-insurance-desafios-oportunidades-e-estrategias\/","title":{"rendered":"An\u00e1lise de Mercado do Open Insurance: desafios, oportunidades e estrat\u00e9gias"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/KV_V11-e1653924491797.png\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Financial services<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">An\u00e1lise de Mercado do Open Insurance: desafios, oportunidades e estrat\u00e9gias<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Estudo aponta caminhos em neg\u00f3cios e tecnologia para liderar a era do Open Insurance no Brasil<\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2022\/06\/Infografico_Capgemini_V101-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Infogr\u00e1fico An\u00e1lise de Mercado<\/span><span class=\"type\">336 KB pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2023\/05\/Relatorio_Capgemini_v101.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Relatorio An\u00e1lise de Mercado&#8230;<\/span><span class=\"type\">3 MB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/br-pt\/?post_type=resource&amp;p=1833\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/br-pt\/?post_type=resource&amp;p=1833&amp;text=An%C3%A1lise%20de%20Mercado%20do%20Open%20Insurance%3A%20desafios%2C%20oportunidades%20e%20estrat%C3%A9gias\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/br-pt\/?post_type=resource&amp;p=1833&amp;text=An%C3%A1lise%20de%20Mercado%20do%20Open%20Insurance%3A%20desafios%2C%20oportunidades%20e%20estrat%C3%A9gias\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p>Em 2021, o Brasil assumiu a vanguarda global como o primeiro pa\u00eds do mundo a iniciar a regula\u00e7\u00e3o formal do <strong>Open Insurance (OPIN)<\/strong>.<\/p>\n\n\n\n<p>Por esse pioneirismo, ainda n\u00e3o h\u00e1 benchmarks que demonstrem melhores pr\u00e1ticas a serem seguidas e erros a serem evitados, o que torna o assunto complexo, e tem levado muitas decis\u00f5es executivas a serem tomadas com base em percep\u00e7\u00f5es e \u201cachismos\u201d, sem o devido suporte dos dados.<\/p>\n\n\n\n<p>Por isso, a Capgemini, com o apoio do consultor Francisco Galiza, estruturou o estudo pioneiro em OPIN no Brasil \u201cAn\u00e1lise de Mercado do Open Insurance: desafios, oportunidades e estrat\u00e9gias\u201d, baseado em pesquisas de mercado e an\u00e1lises te\u00f3ricas, desenvolvido com o objetivo de responder quatro perguntas que refletem as principais preocupa\u00e7\u00f5es do setor hoje:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>O Open Insurance ser\u00e1 realmente importante para o mercado de seguros brasileiro? E, em caso afirmativo, a partir de quando ser\u00e3o sentidos seus efeitos?<\/li>\n\n\n\n<li>Quais os principais impactos que se pode esperar do Open Insurance?<\/li>\n\n\n\n<li>Quais desafios precisam ser vencidos na nova realidade?<\/li>\n\n\n\n<li>Como definir estrat\u00e9gias eficientes para ter sucesso neste novo ambiente?<\/li>\n<\/ol>\n\n\n\n<p>A pesquisa, realizada junto aos principais executivos do mercado brasileiro de seguros, traz ainda indicadores exclusivos de desempenho de mercado, que permitir\u00e3o o acompanhamento peri\u00f3dico da evolu\u00e7\u00e3o do Open Insurance no Pa\u00eds.<\/p>\n\n\n\n<p>Qual o grau de entendimento da sociedade e dos profissionais de seguros em rela\u00e7\u00e3o ao OPIN? Como fica o cen\u00e1rio competitivo com a chegada de SISS e outros novos players do segmento? Quais os principais produtos impactados? Quem ser\u00e3o os clientes mais (positivamente) afetados? O estudo traz insights muito consistentes sobre essas quest\u00f5es!<\/p>\n\n\n\n<p>Al\u00e9m destes pontos, o estudo discute o grau de prontid\u00e3o do setor de seguros que por si s\u00f3 \u00e9 um desafio e n\u00e3o s\u00f3 em termos tecnol\u00f3gicos; foco no cliente, inova\u00e7\u00e3o em produtos e servi\u00e7os, processos inteligentes e a orquestra\u00e7\u00e3o de tudo isso tamb\u00e9m deve estar na agenda dos CXOs.<\/p>\n\n\n\n<p>Mas h\u00e1 expectativas de grandes benef\u00edcios aos que conseguirem se preparar bem e enxergarem o Open Insurance como uma oportunidade e n\u00e3o somente como um fardo regulat\u00f3rio.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-a-capgemini-pode-ajudar-sua-empresa-a-acelerar-essa-prontidao-aproveitando-todos-os-beneficios-dessa-nova-realidade\"><strong>A Capgemini pode ajudar sua empresa a acelerar essa prontid\u00e3o, aproveitando todos os benef\u00edcios dessa nova realidade!<\/strong><\/h4>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-preencha-o-formulario-abaixo-para-receber-o-contato-de-um-dos-nossos-especialistas\">Preencha o formul\u00e1rio abaixo para receber o contato de um dos nossos especialistas:<\/h2>\n\n\n\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_344241_2290628486\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_8430_2423124752\" name=\"_mf_344241_8430\" placeholder=\"Nome\" required \/><label for=\"_mf_344241_8430_2423124752\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_7950_2261117\" name=\"_mf_344241_7950\" placeholder=\"\u00daltimo Nome\" required \/><label for=\"_mf_344241_7950_2261117\" class=\"form-label\">\u00daltimo Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_344241_6828_3524515111\" name=\"_mf_344241_6828\" placeholder=\"E-mail\" required \/><label for=\"_mf_344241_6828_3524515111\" class=\"form-label\">E-mail <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_448_1453284952\" name=\"_mf_344241_448\" placeholder=\"Empresa \/ Organiza\u00e7\u00e3o\" required \/><label for=\"_mf_344241_448_1453284952\" class=\"form-label\">Empresa \/ Organiza\u00e7\u00e3o <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_344241_7028_648550205\" class=\"floating__label form-country-select-label\" data-content=\"Pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">Pa\u00eds<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_344241_7028_648550205\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_344241_7028\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" 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value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Pa\u00eds n\u00e3o \u00e9 v\u00e1lido.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else 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