RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
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73 articles
Life in the policy
Article 57-A allows certain claims already submitted to an insolvent insurer to be presented to the FGA. This guide covers Portugal-resident injured parties and accidents in Portugal.
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New replacement value may require actual repair or replacement, alongside age, notification and completion conditions. A stated insured sum does not settle those requirements.
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Portuguese law allows one or more existing life policies as mortgage security if minimum requirements are met. Check the terms and distinguish the documents.
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Two names in a policy do not establish two independent protections after a payment. Current wording illustrates the effect on a joint-life contract.
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A reference to transport after discharge and a transport-booking service do not have the same effect. See how two arrangements differ in specific policy wording.
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The procedure’s number of K units and the euro value per K have different roles. Read a fee limit without confusing it with the final reimbursement.
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Recall costs before damage occurs cannot be inferred from product liability cover. Safety duties and an express policy extension serve different purposes.
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The statutory right of choice has a defined scope. Locate the cover, special rules and expense limits before assuming full payment.
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Document reconstruction may link payment to evidenced expense and a specific settlement period. Arrange the timeline without assuming one deadline for all insurance.
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Separate claim notification from the limitation period for a benefit. An open file or an email alone does not establish that every deadline has been preserved.
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For temporary incapacity lasting more than 30 days, Portuguese law provides for proportional allowances. Separate these from annual pay and a permanent incapacity pension.
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Predetermined benefits and expense reimbursement work differently. Check accumulation, the contractual exception and disclosure of other insurance for the same risk.
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A right-of-action deadline differs from notifying an insurer. Understand the reference to formally communicated clinical discharge and prepare documents for competent assistance.
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Selling the property and transferring insurance require separate checks. Understand the default rule, notification to the insurer and documents to review.
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The economic total-loss test also includes salvage. See the addition, legal thresholds and a fictional example, separating classification from compensation.
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Separate psychology, psychiatry and inpatient care. Learn how to check mental health cover, limits and procedures without assuming everything falls under outpatient cover.
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An age error has its own legal regime. Distinguish age outside underwriting limits from adjustments to the benefit or premium.
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A clause may extend to premises glass without insuring the building. Understand why that does not establish cover for frames, fittings or the entire frontage.
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A general chemotherapy reference does not establish every technique’s position. Compare inclusions, exclusions and the answer for the actual procedure.
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The period runs from delivery of the policy. Identify the discrepancy, request correction and retain evidence without confusing the request with cancellation.
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CIF and CIP do not set the same default insurance level under Incoterms 2020. Separate the duty to arrange cover, risk transfer and the policy’s actual terms.
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Distinguish clarification from a complaint after a health claim refusal. Organise the timeline, reasons and relevant records.
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A partial surrender needs separate checks on the amount withdrawn, net proceeds and what remains in each objective or option. Prepare the questions before deciding.
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Portuguese law specifies a calculation basis for part-time employees. Distinguish actual pay, the remuneration used and the final benefit amount.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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