Insurance made simple
Is a health card insurance or access to discounts?
Identify health insurance and discount plans in Portugal before comparing prices: the provider, documents, personal charges and how the product works.
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Insurance made simple
Find your topic. Understand the conditions. Make a clearer decision.
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87 articles
Insurance made simple
The clinic is in the network: what about your appointment?
Check your health insurance network in Portugal: provider, specialty, service, charges and any authorisation before booking an appointment.
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Capital guaranteed: on which date and under which conditions?
Read the timing, basis and limits of a guarantee and clarify surrender terms in an insurance-based investment product, without investment recommendations.
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Does cyclist assistance pay for bicycle repairs?
Separate help for the rider from bicycle repairs and ask about the actual assistance services before requesting insurance in Portugal.
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Combining business and leisure? Describe the whole trip
Prepare an itinerary distinguishing business, leisure, countries and activities before considering travel insurance, without assuming a plan name covers everything.
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Monthly instalment and policy period: compare different dates
Use two timelines to separate insurance duration from payment dates without assuming monthly payments create a right to cancel freely.
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Are the policy sum insured and a cover limit always the same?
Read sums insured and cover limits using a fictional example and practical questions, without treating the exercise as a claims calculation.
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Waiting period, excess and copayment: three different questions
Compare waiting periods, excesses and copayments in Portuguese health insurance, with practical questions about network care and reimbursement.
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A 2% excess: two per cent of what?
A percentage without its calculation base is not enough to compare excesses. Work through a fictional example and prepare specific proposal questions.
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Towing and a replacement car: did you ask both questions?
Practical questions to distinguish vehicle assistance from replacement car use and clarify terms before you need them.
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Your first occupational accident policy: prepare the request
Starting self-employment? Organise your details, clarify what is missing and prepare your first occupational accident insurance request.
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Mortgage life insurance: what to compare before switching
Learn to compare the sum insured, disability cover, exclusions and overall cost of mortgage life insurance before replacing the policy.
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Health insurance: networks, waiting periods and co-payments explained
Understand the difference between health insurance and a health plan, and compare provider networks, co-payments, reimbursement, waiting periods and household protection.
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Home multi-risk insurance: sums insured, contents and water damage
Learn to review the rebuilding sum insured, contents, water damage and natural-event covers in home multi-risk insurance.
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Motor insurance: third-party liability, own damage and excesses
Compare third-party protection, own-damage cover, excesses and motor assistance. Learn how to prepare a quotation request and report an incident.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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