Insurance made simple
Is insurance for a leased asset only a bank requirement?
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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Insurance made simple
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Insurance made simple
Can a CNPD fine be transferred to a Cyber insurance policy?
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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Surety insurance: what should the beneficiary know if the premium is unpaid?
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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Does personal accident insurance cover illness?
A hospital benefit does not establish illness cover. Compare the event, location and benefit using two specific product examples.
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Dangerous-dog insurance in Portugal: is the €50,000 minimum per claim or per year?
The minimum limit for compulsory dangerous-animal liability insurance applies to the policy year. Understand annual and per-claim limits before comparing cover.
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Sustainable insurance investment: does ESG mean EU Taxonomy alignment?
An ESG reference does not establish EU Taxonomy alignment. Prepare the documents and questions needed to compare an insurance-based investment product.
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The carrier has insurance: is your cargo protected for its full invoice value?
Separate cargo insurance from carrier liability. See why weight can limit liability under Portugal's domestic road-carriage rules and prepare your comparison.
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Can a health insurer require a genetic test in Portugal?
Portuguese law restricts insurers' use of genetic tests and information. Distinguish this from other health questions and prepare a clear enquiry.
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Shotgun damage: does insurance distinguish accidents, cleaning and wear?
A shotgun-damage benefit may list causes and exclude cleaning or wear. Read a specific product example and prepare facts without presuming cover.
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Business electrical-damage insurance: are fuses and heating elements included?
A repair may combine components treated differently by insurance. Read an identified exclusion example and organise questions by component and cause.
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An excess in compulsory dog liability insurance: does the injured third party receive less?
Under Portugal's compulsory regime for dangerous or potentially dangerous animals, an excess cannot be invoked against the injured third party. Understand the distinction.
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Mortgage life insurance: does the right to be forgotten always mean waiting ten years?
Understand the general time limits, Portugal's 2026 reference table and the handling of protected health information when applying for credit-linked life insurance.
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The leasing debt has fallen: should the machine's insured sum fall too?
Separate financial debt from leased equipment value. An exercise helps check the sum insured and valuation terms before requesting changes.
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Hosting a +Talento intern: is the team's existing insurance enough?
Prepare work-accident insurance for a +Talento internship without assuming automatic inclusion. Identify the scheme, tasks, dates and insurer confirmation.
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Surrendering a capitalisation policy: is the entire payment subject to Portuguese income tax?
Separate invested money from gain when reading an insurance surrender calculation. Check the applicable tax treatment and why duration alone is insufficient.
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Health insurance starts in November: do waiting periods end in January?
A new calendar year does not automatically end a waiting period. Map dates by insured person and cover, including when changing health insurance.
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The hunter is injured: does having liability insurance include treatment expenses?
Check a hunter’s personal protection separately from liability insurance. Identify the benefits and documents without assuming treatment will be reimbursed.
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You have email MFA: how should you describe other access in a cyber-insurance enquiry?
Multifactor authentication on one service does not describe every company access route. Prepare verifiable answers and separate active measures from plans.
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Unit linked: does the number of units equal the money available?
Distinguish units, prices, contributions and surrender value in unit-linked insurance. A simple example helps read a statement without predicting returns.
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Critical illness in life insurance: a lump sum or the cost of treatment?
Understand lump-sum critical-illness cover versus medical reimbursement. Compare the trigger, recipient and effect on the remaining life-insurance benefits.
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Cyber insurance: do defence and interruption sublimits add to the overall limit?
One incident can produce technical costs, claims and downtime. Read per-event, annual and daily limits using a clearly fictional policy exercise.
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Permanent disability: is the whole personal accident sum always paid?
The assessment table and calculation rule help explain permanent disability benefits. See a fictional arithmetic example and questions for comparing cover.
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Total loss: does keeping the salvage change the amount received?
Read pre-accident value, salvage value and vehicle ownership together. An illustrative calculation helps frame questions about a total-loss offer.
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Leased equipment: are delivery, installation and testing insured?
A policy's date and the start of a particular guarantee may need separate checks. Prepare a timeline from delivery to normal equipment operation.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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