THE ESSENTIALS
Before you start
- Separate expenses and periods.
- Locate the corresponding benefit.
- Clarify calculation and records.
Identify what needs clarification
Make three categories: expenses actually incurred, time in hospital and time away from work. Mark available records and known dates. Do not turn estimated lost income into a medical bill or assume one record answers every question.
Fictional example: Rui collects an invoice and notes several days of absence. Inês asks whether he is examining a treatment expense or a benefit related to incapacity. Separating them does not decide payment; it identifies the issue requiring clarification in the quotation.
Locate the relevant benefit
Allianz’s Personal Accident presentation distinguishes treatment expenses from daily incapacity or hospital benefits, with separate options. This is an example from that product, not assurance that every benefit appears in your contract.
For each benefit found, ask about the relevant event, calculation method, limits, any excess and required records. A label such as daily does not remove the need to check conditions and duration. A diagnosis or informal calculation does not replace the contractual assessment.
Sources: Allianz — Personal Accident options and benefits; checked 20 October 2026 ↗
Separate submission from the reply
Ask for the appropriate procedure and keep the reply reference with the document considered. Submitting receipts does not establish acceptance. If another insurance policy relates to the event, inform the intermediary and ask how information should be presented.
If you already have a policy and need to report an incident, use the RMACHADO GROUP support area. To discuss new protection, select Personal Accident in the quotation request. Do not enter clinical reports in the notes field or public comments; confirm the appropriate document channel within the case.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Which expenses have invoices and what dates do they concern?
- Have hospital dates and time off work been listed separately?
- Which benefit was actually included for each situation?
- What calculation basis, limits and excesses apply?
- What is the request reference, and which reply or record is still missing?
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.