RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
The answers you are looking for about health. Choose an editorial series and explore one question at a time.
17 articles
Insurance made simple
An involuntary unemployment benefit may exclude expiry of a fixed-term employment contract. Compare the termination reason, eligibility and specified periods without assuming payment.
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The same policy may mention surgical prostheses under Hospitalisation and have a separate Prostheses and Orthoses benefit. Find out which expense category to clarify.
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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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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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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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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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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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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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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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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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A fictional example separates the reimbursement rate, eligible expense and per-treatment cap without predicting the insurance payment.
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Check how a same-day procedure is classified, including the benefit limit, professional fees and health insurer authorisation in Portugal.
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Keep the original bill, payment evidence and exchange-rate rule separate when preparing an overseas health expense claim in Portugal.
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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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Check your health insurance network in Portugal: provider, specialty, service, charges and any authorisation before booking an appointment.
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Compare waiting periods, excesses and copayments in Portuguese health insurance, with practical questions about network care and reimbursement.
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Understand the difference between health insurance and a health plan, and compare provider networks, co-payments, reimbursement, waiting periods and household protection.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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