Life doesn’t warn you
Your electric car has no charge: where would recovery take it?
Compare assistance for an electric car with no charge: recovery destination, charging points, occupant transport and service limits.
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Life doesn’t warn you
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64 articles
Life doesn’t warn you
Reporting a death: who confirms the insurance document list?
Prepare a death claim under a Portuguese life insurance policy. Separate evidence of the death, beneficiary identification and documents requested for the particular case.
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Hit a pillar without another vehicle: does compulsory cover repair your car?
Separate damage to your vehicle from damage to the pillar. A collision without another car still requires checking the covers and property involved.
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Missed an appointment: is a no-show charge an insured medical expense?
Before claiming a no-show charge, separate the provider’s cancellation conditions from insurance for a consultation actually delivered.
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After a death, how can you look for an unknown life policy?
Find a starting point for locating life insurance after a death in Portugal, and separate the policy search from a request for payment.
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Selling your car: can the buyer keep your insurance?
Prepare a car sale in Portugal without confusing the handover of keys with an insurance transfer. Check ASF guidance and organise the communications.
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Two people on life insurance: is each insured for the same share?
Two insured people on mortgage life insurance in Portugal: check each person's share, insured amount, benefits and beneficiaries.
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Training or competition: is saying amateur sport enough?
Describe the sport, setting and event participation before considering personal accident insurance for activities in Portugal.
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Outside-network clinic: is keeping the invoice enough for reimbursement?
Before planned treatment in Portugal, ask separate questions about the network, preauthorisation and reimbursement rules.
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Level or decreasing life cover: which need should it follow?
Compare the sum insured’s evolution with the purpose and duration of protection without predicting payment or selecting a default option.
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Disability cover: why an abbreviation is not enough
Compare contractual disability definitions, requirements, limits and exclusions without treating an abbreviation or percentage as an eligibility decision.
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Mortgage life insurance: which sum insured is actually recorded?
Organise current loan and insurance documents to clarify the recorded sum insured and update procedure, without promising premium savings.
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Which household expenses would continue if an income were missing?
Prepare a life insurance discussion using household expenses, commitments and time periods before considering sums insured and policy cover.
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Life insurance beneficiaries: what does the record actually say?
A family intention does not replace the beneficiary designation recorded for life insurance. Prepare a private review and distinguish requested from confirmed changes.
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Have an EHIC? What still needs checking before travelling?
The European Health Insurance Card does not address every travel expense. Separate public healthcare access, private costs and repatriation questions.
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Life insurance: does every cover end on the same date?
A policy may continue while a disability benefit ends or changes. Check a current contractual example and prepare questions about each separate cover.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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