RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
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64 articles
Life doesn’t warn you
Advancing the bill because the system is unavailable may have its own in-network treatment. Distinguish this from missing authorisation and simple access to agreed prices.
Read articleLife doesn’t warn you
The Portuguese Civil Code allows treatment costs above an animal’s monetary value. Separate this rule from liability and the insurance response.
Read articleLife doesn’t warn you
Beatriz compares volunteering group insurance with personal accident cover: legal scope, insured people, tasks, duration and benefits.
Read articleLife doesn’t warn you
Inês and Clara distinguish a provisional offer for past expenses from final assessment and payment timing in a bodily-injury claim in Portugal.
Read articleLife doesn’t warn you
In the situation covered by article 36, five working days are available to submit information, followed by a final decision. Distinguish this step from repeating the accident report.
Read articleLife doesn’t warn you
The law links reduction or exclusion to unjustified refusal and its consequences for incapacity or damage. Understand the distinction and the clinical-dispute process.
Read articleLife doesn’t warn you
Portuguese law provides a specific choice for high-risk or potentially life-threatening operations. Separate it from the general choice of attending doctor.
Read articleLife doesn’t warn you
Check wreck removal separately. A contractual example distinguishes liability, boat damage and specific expense limits.
Read articleLife doesn’t warn you
The four-working-day rule starts when the assessment is completed and has qualifications. Learn what to request and how the report differs from a decision or repair instruction.
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Separate the airport report from a written complaint. Check damage and delay deadlines, their starting dates and notification to travel insurance.
Read articleLife doesn’t warn you
Under the general framework, Article 104 links the deadline to establishing the facts. Separate notification, assessment and payment becoming due without using the wrong starting document.
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Discharge does not settle every future situation. Separate treatment for recurrence or aggravation, renewed work incapacity and review of a work accident benefit.
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Recovery rights involve more than the inspection date. Understand malfunction’s role in the accident and a statutory qualification at contract formation.
Read articleLife doesn’t warn you
No insurance record in a registration lookup? Separate a service error, a missing record and the policy’s actual status. Know what to check and how to document a discrepancy.
Read articleLife doesn’t warn you
ANSR distinguishes cycles covered by Article 112 of Portugal’s Highway Code from vehicles subject to compulsory motor liability insurance. Check the classification.
Read articleLife doesn’t warn you
Accompanied and unaccompanied baggage may have different benefits. Identify who had custody of the bag and which records help assess travel insurance.
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For a public mountain bike event in Portugal, check the organiser’s sports insurance, your registration and personal cover. Includes published 2026 minimums.
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Before buying additional Erasmus insurance, compare institutional cover and the EHIC against your activities, dates and mobility risks. Identify gaps without assuming duplication.
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Portugal's FGA distinguishes personal injury from property damage. Understand the current unidentified-vehicle rule and avoid confusing it with uninsured driving.
Read articleLife doesn’t warn you
Separate the vessel's registered navigation zone from each insurance benefit's territory. Prepare a specific route before relying on boat insurance.
Read articleLife doesn’t warn you
Frozen cargo insurance may require a specific extension and records. Separate temperature variation, refrigeration failure and food-safety decisions.
Read articleLife doesn’t warn you
Waiting periods and pre-existing-condition exclusions have different effects. Understand Article 216 and the written terms to check before taking out health insurance.
Read articleLife doesn’t warn you
Separate incident-response costs from a ransomware demand. Read digital-extortion protection without assuming that ransom payments are insured.
Read articleLife doesn’t warn you
Distinguish damage caused by a hunting dog from injury to the dog itself. Check the activity and liability scope without assuming cover.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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