Life in the policy
The prescribing doctor is outside the network: who starts prior authorisation?
With an outside-network prescription, check who requests prior authorisation, which channel to use and how to track the response.
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Life in the policy
Find your topic. Understand the conditions. Make a clearer decision.
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73 articles
Life in the policy
Professional defence costs: which limit and which policy apply?
Professional liability defence costs can have separate terms and sublimits. Compare the base policy with supplementary protection.
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Your hunting gun is damaged: is that a liability question?
Hunting liability and damage to your own weapon are separate insurance questions. Check the insured property, events and limits.
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Premium waiver: does it mean receiving an insurance payment?
A waiver may change who pays the premium without delivering cash to the insured person. Identify its trigger and the protection that remains afterwards.
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Using a trailer: does the car's registration settle the insurance question?
Identify the trailer and its use before driving. Third-party liability, damage to the trailer and transported property are separate insurance questions.
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Medical second opinion: another appointment or a different service?
Check the process, documents and expected output of a second-opinion benefit. An expert opinion is not authorisation for every recommended treatment.
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A laptop in your luggage: does the overall limit cover its full value?
Before travelling with electronics, check the baggage definition, per-item limits and conditions relating to custody.
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Old and new vehicle damage: how should the report distinguish them?
Describe previous and recent car damage separately so the reported incident can be assessed accurately.
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Physiotherapy: does one authorisation mean unlimited sessions?
Check the approved sessions, treatment and period before arranging physiotherapy. An authorisation does not mean unlimited sessions.
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Acceptance arrived on different terms: what should you compare?
Read the life underwriting response alongside the original proposal. Clarify premium, exclusions, benefit and start date before deciding.
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Is a garage estimate already the insurer’s authorisation to repair?
Distinguish an estimate, inspection, coverage decision and repair authorisation. A garage document does not replace the insurer’s response.
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Invoice or invoice-receipt: how do you evidence payment?
Check whether a document shows only the invoiced amount or also payment. Prepare a legible reimbursement request without modifying the original records.
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An accident in Portugal involving a foreign registration: where should you enquire?
Organise an enquiry after an accident in Portugal involving a foreign registration. Identify official channels, references and organisational roles.
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Does glass cover include a panoramic roof and door mirrors?
Read motor glass cover component by component: a panoramic roof, windscreen and mirrors may have different treatment under the policy.
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Changed the date or hospital: does the authorisation still fit?
When a health appointment changes, compare the booking with its preauthorisation and ask whether the insurer needs an updated request.
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Does being on sick leave mean life insurance pays?
Sick leave and permanent disability involve different insurance questions. Check temporary incapacity and disability terms in Portuguese life policies.
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Going hunting: does the insurance evidence match the activity, place and date?
Check hunting liability insurance against the intended outing and consult applicable official requirements without treating a quotation as proof.
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Leased equipment: who arranges cover and who receives a possible payment?
Compare the lease and insurance documents to clarify ownership, policy roles and the destination of any insurance compensation.
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After an accident, do treatment bills and days off belong in one calculation?
Distinguish treatment expenses from incapacity or hospital benefits when reading a personal accident quotation, without predicting a payment.
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Send the right document version without unnecessary exposure
Check the request, recipient, version and channel before sharing insurance records, preserving originals where a separate copy is required.
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An insurance process is pending: which question moves it forward?
Ask about the missing item, next step and responsible party rather than resend everything, distinguishing internal reminders from legal deadlines.
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Request, quotation and policy: which stage has insurance reached?
Distinguish an insurance enquiry, quotation and policy. Learn what to ask to confirm the status and applicable start of cover in Portugal.
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Before departure: can you find assistance without internet?
Prepare travel records you can locate without an online search. A short rehearsal checks document access, contact details and the role of each number.
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Policyholder, owner and main driver: are they the same person?
Rui and Clara separate three motor insurance roles. Learn how to describe actual use and clarify discrepancies before submitting a request.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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