THE ESSENTIALS
Before you start
- The example procedure starts with disagreement between the parties’ appointed doctors.
- Choosing the third doctor and failing to agree on that choice are distinct stages.
- Clarify costs before treating the board as a service entirely paid for by insurance.
Identify the medical question in dispute
Clause 18(4) of Allianz Vida Crédito 1904–10/2026_01 provides a process for disagreement about health between the insured person’s appointed doctor and the insurer’s. It is a product example. It should not automatically be applied to any dispute about an exclusion, sum insured or charge.
Rui asks which assessment point is in dispute and keeps the reply in the confidential case file. Clara does not choose which medical opinion is correct. An incapacity percentage, a policy definition and disagreement between doctors should be identified for what they represent rather than turning one into an automatic decision on the others.
Choosing the third doctor comes before the fallback
Under these terms, the parties choose a third doctor by mutual agreement. If they cannot agree on that choice, a board in Lisbon is provided for: the insured person’s doctor, the insurer’s doctor and a specialist professor from the Lisbon Faculty of Medicine selected by agreement between the two doctors.
The practical distinction matters: failure to agree on the third doctor is different from the original clinical disagreement. Rui asks which stage is proposed, how appointments will be recorded and who coordinates contact. He does not arrange a board unilaterally assuming this satisfies the policy procedure.
Separate your doctor’s cost from the board’s cost
The same provision makes each party responsible for its own doctor’s fees and expenses and divides board expenses equally between them. It does not describe a board entirely free to the insured person. This allocation supplies neither a fee schedule nor reimbursement of all travel costs.
Before committing to expenditure, request written information about fees, additional examinations, travel and payment arrangements for what is proposed. Flag outstanding questions, including the initial third doctor’s costs. Do not answer those by analogy with the board’s allocation where the wording does not expressly settle them.
Keep the medical process and insurance decision identified
Ask how the result will feed into assessment of the claim and how you will receive a reasoned decision. This guide declares neither universal binding effect nor that this process is the only route for challenging the policy position. Obtain appropriate support if rights, costs or deadlines are disputed; contacting parties about a board should not be treated as automatically suspending case deadlines.
The official library lists this version from 29 October 2026. Check the version actually applying to your policy. For an existing incident, use Support and claims at RMACHADO without sending clinical reports in comments or the initial general contact. To compare future protection, select Life under “Request a quote” and ask about disagreement procedures and costs too. The request does not decide the earlier claim.
Sources: Allianz Vida Crédito — 1904–10/2026_01, complete Clause18, pp.11–12; complaints and arbitration context, pp.13–14; read 2 November 2026 ↗ · Allianz — official library: Vida Crédito 1904–10/2026_1 effective from 29 October 2026; read 2 November 2026 ↗
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify the cover, version and disputed medical question.
- Confirm the stage: mutually agreed third doctor or policy medical board.
- Request information about fees, expenses and who pays each item.
- Keep the procedure and decision, preserving clinical confidentiality and case deadlines.
FROM THE ARTICLE TO YOUR SITUATION
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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.
- Allianz Vida Crédito — 1904–10/2026_01, complete Clause18, pp.11–12; complaints and arbitration context, pp.13–14; read 2 November 2026 ↗
- Allianz — official library: Vida Crédito 1904–10/2026_1 effective from 29 October 2026; read 2 November 2026 ↗
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.