Conversations at home
Glasses and lenses: does the limit apply per person, purchase or year?
When comparing optical benefits, distinguish the item, reimbursement limit and period to which the stated amount applies.
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Life doesn’t warn you
How can you plan life cover for an unpaid family carer?
Include unpaid caring work in life insurance planning without treating an estimate of family support as an automatically accepted insured amount.
Read articleLife doesn’t warn you
Does compulsory insurance cover a fire in your own car?
Separate damage to your own vehicle from liability to other people when assessing a motor fire claim in Portugal.
Read articleLife doesn’t warn you
Can a medical emergency wait for the insurance helpline?
Separate urgent medical help from insurance administration. In an emergency, obtaining appropriate assistance comes first.
Read articleInsurance made simple
Funeral advance: is it separate from the life insurance benefit?
D. Graça and Clara separate additional capital, advances and reimbursement for funeral expenses, without assuming cover exists or cash is already available.
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Hail damaged the car: which cover should you look for?
Separate natural-event damage, glazing and bodywork when describing hail damage and checking your motor policy in Portugal.
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Day surgery or outpatient care: which limit pays the expense?
Check how a same-day procedure is classified, including the benefit limit, professional fees and health insurer authorisation in Portugal.
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Winter dry storage: does pausing navigation change the boat’s risk?
Review boat insurance using the storage location, handling operations and risks ashore. Being out of the water does not remove every source of damage.
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Are initial withdrawal rights and annual renewal the same thing?
Distinguish initial withdrawal rights from termination at renewal. Check dates, communication requirements and the actual contractual circumstances.
Read articleRenew
Annual deductible: does it apply per person or to the family together?
An annual deductible needs a unit of application. Compare the amount, the person or group it applies to and its accumulation period.
Read articleThe office at 6 pm
Does the guarantee date match the end of the obligation?
Distinguish an annual surety policy from the individual guarantee period. A project amendment does not prove an accepted extension.
Read articleThe office at 6 pm
Salary-linked group life cover: do bonuses and variable pay count?
Turn an expression such as twenty-four salaries into a checkable definition: pay base, multiplier, reference date and sum insured for each person.
Read articleThe office at 6 pm
Can an invoice issued to the employer support an individual health claim?
Separate who paid, who received treatment and who is named on the invoice. Check documentation before submitting a health reimbursement request.
Read articleLife in the policy
Acceptance arrived on different terms: what should you compare?
Read the life underwriting response alongside the original proposal. Clarify premium, exclusions, benefit and start date before deciding.
Read articleLife in the policy
Is a garage estimate already the insurer’s authorisation to repair?
Distinguish an estimate, inspection, coverage decision and repair authorisation. A garage document does not replace the insurer’s response.
Read articleLife in the policy
Invoice or invoice-receipt: how do you evidence payment?
Check whether a document shows only the invoiced amount or also payment. Prepare a legible reimbursement request without modifying the original records.
Read articleThe condominium group
Pests in the building: are assistance and damage repairs the same benefit?
A pest-control service may have its own conditions and does not prove cover for resulting damage. Check the premises, scope and service provider.
Read articleThe condominium group
A common room is unusable: is lost rent insured?
Distinguish room repairs, lost rent and ongoing condominium expenses. Any income-related benefit needs its own contractual reading.
Read articleThe condominium group
Water leak: is an excessive bill the same as damage to the building?
Separate water consumed, leak detection, pipe repair and resulting property damage. Identify each expense before an insurance assessment.
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Death benefit and inheritance: do they necessarily follow the same process?
Identifying a life insurance beneficiary requires its own assessment. Do not allocate the benefit simply by copying the estate’s list of assets.
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Lending your car for one day: what should you check about the driver?
Explain the occasional loan and check any driver conditions. A single journey and a change in regular use require different descriptions.
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Does your Cyber review include supplier bank-detail fraud?
A bank-detail change can conceal invoice fraud. Prepare independent checks and specific questions for a Cyber insurance review.
Read articleThe condominium group
The damage is below the building sum insured: can underinsurance still matter?
A loss below the sum insured can still be affected by underinsurance. Explore a fictional proportional-rule example and prepare a building review.
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Changing a life beneficiary: is the designation irrevocable?
Before changing a life beneficiary, check the existing designation, required approvals and confirmation of the policy amendment.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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