Permanent disability: is the whole personal accident sum always paid?

Find the product's table reference

The public July 2019 Allianz Acidentes Pessoais information document refers to disability payments calculated using Portugal's National Table for Assessing Permanent Disabilities in Civil Law.

This is a product-specific reference, not a rule for every policy or permission to assess a person from an example. Check the document and version applying to your proposal.

Sources: Allianz Acidentes Pessoais — Documento de Informação sobre o Produto de Seguros 963, julho de 2019 ↗

Read the rule before calculating

Ask about the relevant sum insured, assessment of the degree and calculation method. Ask whether thresholds, excesses, bands or other conditions matter. These are questions for finding the contractual rule, rather than claims that all such conditions exist.

Entirely fictional example: if cover proportionally applies a 10% degree to EUR 50,000, the arithmetic result is EUR 5,000. This does not establish an injury's degree, your policy's method or an amount due.

Do not replace assessment with an informal list

An online injury list should not be used to determine what a real accident would pay. Keep requested documents and reasons for assessment, separating confirmed matters from those still under review.

Fictional example: two proposals show the same sum insured but different calculation references. Obtain explanations of the rules rather than choosing a headline figure.

Compare the guarantee's purpose

Separate permanent impairment from treatment expenses or temporary-incapacity benefits. Ask for each proposal line to be explained against the protection sought.

RMACHADO can help organise questions and a personal accident quote. This guide does not assign disability degrees, replace medical assessment or anticipate claim payment.