THE ESSENTIALS
Before you start
- The certificate and policy definition serve different purposes.
- Ask for the document list applying to your contract.
- Do not assume the outcome before assessment.
What the certificate establishes
SNS 24 describes the AMIM as evidence of a physical or mental disability degree, temporary or permanent, linked to access to benefits under applicable rules. It also explains that it is not intended to assess capacity to perform a profession.
Do not automatically turn its percentage into a conclusion about disability defined in a life policy.
Sources: SNS 24 — Atestado Médico de Incapacidade Multiuso, atualizado em 23/09/2026 ↗
A policy-document example
Allianz Vida Segura's public August 2024 conditions include an official disability document and medical report among the documents for disability claims. Its recognition clause also addresses clinical information for assessment. This is a product-specific example; confirm the list for your own contract.
Ask the insurer to identify the cover being assessed and required documents. Holding the certificate does not replace that confirmation or determine a payment by itself.
Sources: Allianz Vida Segura — condições gerais e especiais 1901, agosto de 2024, documentação de invalidez ↗
Organise the file
Our suggested record includes document name, issue date, version sent and receipt evidence. Record additional requests and the point they concern.
Fictional example: someone sends an AMIM to open a claim. A later request asks for a report on the condition's development. They record the request and confirm the appropriate recipient and channel, rather than assuming the first submission completed assessment.
Share clinical information only through the appropriate process and with relevant recipients. An initial administrative enquiry can start with the policy reference and question, without publicly sharing the certificate.
Separate support from the decision
RMACHADO can help locate the procedure and follow documentation. Recognition under the policy requires assessment by the competent parties.
This guide does not assess anyone's disability or decide whether a condition meets the cover. If the reply is unclear, request reasons and identification of the relevant information or criteria.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify the policy, cover and conditions version.
- Request the applicable document list.
- Record submissions and receipt.
- Keep explanations without publishing clinical information.
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.
- SNS 24 — Atestado Médico de Incapacidade Multiuso, atualizado em 23/09/2026 ↗
- Allianz Vida Segura — condições gerais e especiais 1901, agosto de 2024, documentação de invalidez ↗
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.