RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
Find your topic. Understand the conditions. Make a clearer decision.
80 articles
Insurance made simple
An exclusion may extend to consultations and diagnostic tests before any technique begins. Read its scope, any express provisions to the contrary and the payment arrangement.
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An injured party has a specific route when the towing vehicle and trailer have separate liability policies. Understand the rule without anticipating the claim decision.
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Buying another asset, settling the claim and insuring the new item are separate decisions. A policy example explains who may choose replacement as the benefit.
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Portugal’s 14-day rule has requirements about the policyholder, application, documents and receipt. A quotation enquiry alone does not show that cover has started.
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In a Portuguese capitalisation operation, the subscriber's position passes to successors while the contract retains its maturity. Distinguish this from life insurance and surrender.
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Payment to the injured party has its own reference point and requires the necessary documents. Rui and Clara separate decision, enquiry and payment.
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Two parked cars and a door opened by a passenger: being stationary does not, by itself, exclude use as a means of transport. Separate that issue from liability and damage.
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A remote physiotherapy programme, a purchased app and in-person sessions are different services. Identify the programme and the insurance process before assuming payment.
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Payment to third parties and recovery against the driver are separate questions. Understand the alcohol rule, road-law thresholds and records to retain.
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Do not read kinship as a general exclusion of passengers’ own injuries. Distinguish bodily injury, property damage and the driver responsible for the accident.
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A prescription, SNS contribution and private-insurance reimbursement answer different questions. Learn to read a pharmacy expense and check medicines cover.
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A statutory special-acceptance route exists after at least three refusals. Understand the distinctions, ASF’s role and the restriction on intermediary involvement.
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Article 190 distinguishes life insurance and later changes in health. Separate that rule from initial disclosure, supplementary covers and reporting a claim.
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Under the general regime, using a PPR to pay instalments requires checking the loan, contribution dates and evidence. Do not confuse this with early capital repayment.
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Individual health insurance lasting at least six months is not simply subject to the 14-day rule associated with online purchases. Check the period, starting date and exceptions.
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A formal transfer runs between providers and carries contribution history. Check the distinction between transfer, withdrawal and a new contribution.
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A reference to beaters may require exclusive service to the insured. Identify the person, role and contract without confusing liability with personal protection.
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If another entity has already reimbursed part of an expense, keep the invoice and statement of payment. Your remaining cost is not automatically payable by another policy.
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The summary risk indicator is a category, not a maximum-loss percentage. Read the number with its warnings, holding period and exact investment option.
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Urgent dismantling can change the evidence of damage. Preserve the timeline and communicate clearly with the garage, insurer and intermediary.
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Portuguese finance-lease law also requires the lessee to insure the asset. Separate that duty from the lessor’s requirements and the actual policy benefits.
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Separate a fine imposed on the business, civil compensation and defence costs. A Cyber coverage label does not override Portuguese legal restrictions.
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Portuguese surety insurance has a specific notice rule for an unpaid premium. Understand the beneficiary’s role and the meaning of a non-opposability clause.
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A hospital benefit does not establish illness cover. Compare the event, location and benefit using two specific product examples.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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