<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  
  <!-- Página Principal -->
  <url>
    <loc>https://www.insiderseguros.com.br/</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Pillar Content - Alta Prioridade -->
  <url>
    <loc>https://www.insiderseguros.com.br/plano-de-saude-empresarial</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  
  <!-- Glossário -->
  <url>
    <loc>https://www.insiderseguros.com.br/glossario</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Blog Principal -->
  <url>
    <loc>https://www.insiderseguros.com.br/blog</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Páginas de Operadoras -->
  <url>
    <loc>https://www.insiderseguros.com.br/operadoras/amil</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/operadoras/bradesco</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/operadoras/omint</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/operadoras/porto</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/operadoras/sulamerica</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Artigos do Blog -->
  <url>
    <loc>https://www.insiderseguros.com.br/blog/maternidade-sao-luiz-star-sp</loc>
    <lastmod>2025-01-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <image:image>
      <image:loc>https://www.insiderseguros.com.br/assets/blog/maternidade-sao-luiz-star.jpg</image:loc>
      <image:title>Maternidade São Luiz Star em São Paulo</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/gestao-sinistralidade-2025</loc>
    <lastmod>2024-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/deducao-plano-saude-irpf</loc>
    <lastmod>2024-12-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/tendencias-beneficios-2025</loc>
    <lastmod>2024-11-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/novas-regras-ans-2024</loc>
    <lastmod>2024-12-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/reajuste-planos-2025</loc>
    <lastmod>2024-12-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/planos-coletivos-empresariais</loc>
    <lastmod>2024-12-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/reducao-reajuste-coletivos</loc>
    <lastmod>2024-11-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/porto-saude-empresas-campinas</loc>
    <lastmod>2025-01-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/porto-saude-vale-do-paraiba</loc>
    <lastmod>2025-01-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/porto-saude-abc-paulista</loc>
    <lastmod>2025-01-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/blog/omint-cirurgia-plastica-estetica</loc>
    <lastmod>2026-01-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Seções da Página Principal -->
  <url>
    <loc>https://www.insiderseguros.com.br/#sobre</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/#servicos</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/#parceiros</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.insiderseguros.com.br/#contato</loc>
    <lastmod>2026-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
