RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
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465 articles
Insurance made simple
A life policy may provide for a third doctor or medical board when assessments differ. Read a specific example covering selection and allocation of costs.
Read articleLife in the policy
A policy can have worldwide scope and separate rules for moving residence abroad. Check the relevant clauses and confirmations before the move.
Read articleConversations at home
Legal warranty expiry, age since purchase new and the cover’s waiting period are separate checks. Examine a home insurance wording for internal breakdowns.
Read articleConversations at home
First-risk cover can remove the proportional reduction for that benefit while retaining its agreed limit and excess. Learn what to identify in a home insurance quotation.
Read articleThe office at 6 pm
The vocational rehabilitation allowance has cumulative conditions and starts with actual attendance. Distinguish choosing a course, meeting the requirements and having expenses assessed.
Read articleLife doesn’t warn you
Portuguese law allows a family member to be treated as a third person. Dependence in basic daily needs and the pension supplement's remaining conditions still matter.
Read articleLife 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.
Read articleInsurance made simple
For a cross-border purchase, the 30 days concern the location of risk and run from acceptance of delivery. Prepare the insurance questions before collecting the car.
Read articleInsurance 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.
Read articleLife doesn’t warn you
Advancing the bill because the system is unavailable may have its own in-network treatment. Distinguish this from missing authorisation and simple access to agreed prices.
Read articleLife in the policy
New replacement value may require actual repair or replacement, alongside age, notification and completion conditions. A stated insured sum does not settle those requirements.
Read articleThe office at 6 pm
An expense may help keep a business trading while remaining subject to an economic limit. See how one wording links the extra cost to the reduction in sales avoided.
Read articleLife in the policy
Portuguese law allows one or more existing life policies as mortgage security if minimum requirements are met. Check the terms and distinguish the documents.
Read articleInsurance made simple
A condition may group smoke and heat in its heading but give them different requirements. See where the chimney requirement appears and how prolonged action is distinguished.
Read articleInsurance made simple
Work-accident compensation does not by itself remove the right to sue the party that caused the accident. Payments from both routes require coordination rather than automatic addition.
Read articleThe office at 6 pm
A loss-of-profit clause can count sales made away from the premises. Separate retained revenue, loss and protection at the alternative location.
Read articleInsurance made simple
The same policy may mention surgical prostheses under Hospitalisation and have a separate Prostheses and Orthoses benefit. Find out which expense category to clarify.
Read articleInsurance made simple
A benefit called an advance may be a loan that must be repaid. Understand the distinction before including it in your budget after an accident.
Read articleLife doesn’t warn you
The Portuguese Civil Code allows treatment costs above an animal’s monetary value. Separate this rule from liability and the insurance response.
Read articleConversations at home
Temporary removal cover may require you to live at the destination and exclude simple storage. Examine the mechanism in one specific policy wording.
Read articleLife in the policy
Two names in a policy do not establish two independent protections after a payment. Current wording illustrates the effect on a joint-life contract.
Read articleThe office at 6 pm
Can higher pay reduce a permanent-incapacity pension? Understand the rule and its pension-review exception under Portuguese Law 98/2009.
Read articleInsurance 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.
Read articleInsurance made simple
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.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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