Does the liability limit apply per claim or per policy year?

An amount needs a unit

A Fidelidade protocol page shows separate per-claim and annual figures, plus a distinct legal protection limit. It illustrates different documentary categories; it is not a current proposal for your profession.

On your actual proposal, highlight each amount and its qualifier. If only a headline total is available, find or request the detailed table before comparing it with another offer.

Sources: Fidelidade — Protocolo Luz Saúde, RC Profissional, exemplo documental de limites distintos; condições atuais a confirmar ↗

The three-event exercise

For arithmetic practice only, assume a €50,000 limit per occurrence and €100,000 for the period. Three hypothetical expenses of €40,000 total €120,000. Each fitting the first figure does not remove the second restriction.

This is not a settlement calculation. The definition of a claim, connections between events, excesses, included expenses and other terms can change assessment of an actual case.

Another section can have its own limit

Fictional example: Duarte has recorded the main capital but cannot locate defence expenses. Rather than adding them himself, he asks for the relevant section, its limit and whether those expenses use the main limit.

A useful response identifies the document and version. “Everything is included” does not explain a table containing separate lines. Keep the answer with its proposal rather than applying it later to another version.

End with an answered question

Use one worksheet for both proposals: section, amount, unit, period and clause. Leave unanswered cells empty. An empty cell identifies a concrete question; it is not a reason to invent a figure.

To prepare a Liability enquiry through rmachado.group, describe your profession and the limits question. Do not publish case records or client information in social media comments.