THE ESSENTIALS
Before you start
- Household assistance, treatment costs and daily benefits are separate questions.
- Check the contracted option and service eligibility.
- Do not assume independently hired help will be reimbursed.
A specific example with conditions
Allianz Acidentes Pessoais' November 2023 pre-contract note presents household assistance as an optional part of its Simple module. It mentions cleaning, laundry and support for minor or adult dependants where an accident leaves the insured bedridden for more than five days, with service from day five for a maximum of six weeks.
Confirm the conditions and day counting with assistance for the actual situation. The example does not mean every personal accident policy includes these services or unlimited support.
Sources: Allianz Acidentes Pessoais — information note 155–11/2023, page 1; checked 29 October 2026 ↗
Describe tasks without treating everything as a medical bill
Fictional example: Rui returns home after an accident. He needs to organise cleaning and laundry while relatives separately handle appointments. When speaking to assistance, he identifies the unresolved household tasks and asks which can be considered under his contracted benefit.
Make a short list of needs and times, marking those already handled by relatives. Do not confuse domestic support with nursing, clinical care or unrestricted cash for any purpose.
Ask for instructions before choosing a provider
Ask how to activate the service, which evidence is needed, who selects the provider and which tasks, duration or limits apply. If the help needed is unavailable under the stated terms, clarify the response and any possible alternatives.
An invoice from a provider chosen by the family does not prove that expense was authorised. Keep the request reference and instructions. Avoid circulating medical details and dependants' documents in a work group to resolve a household issue.
Compare usefulness before buying
When reviewing protection, consider what would remain undone at home if you temporarily could not follow your routine. Compare service availability and conditions as well as the headline sum insured.
You can request a personal accident insurance quote from RMACHADO and explain that you want to consider recovery support. If the accident has already occurred, first use the existing policy's assistance: a new proposal does not confirm services for that event.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify the assistance actually contracted.
- List household tasks and dependants to consider.
- Confirm eligibility, day counting and duration.
- Ask who arranges and selects the provider.
- Separate services, medical expenses and cash benefits.
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.