Life in the policy
Changed the date or hospital: does the authorisation still fit?
When a health appointment changes, compare the booking with its preauthorisation and ask whether the insurer needs an updated request.
Read articleRMACHADO GROUP · THE MAGAZINE
All articles
Find your topic. Understand the conditions. Make a clearer decision.
All articles
465 articles
Life in the policy
Does being on sick leave mean life insurance pays?
Sick leave and permanent disability involve different insurance questions. Check temporary incapacity and disability terms in Portuguese life policies.
Read articleThe condominium group
Rain entered the building: is calling it a flood enough?
Describe the cause and effects of water entering a condominium. Storm, flooding and pipe rupture may be treated differently under the policy.
Read articleThe condominium group
Who cleans the building: has work accident insurance been checked?
Organise insurance checks for condominium cleaning, distinguishing direct engagement, a cleaning business and independent work in Portugal.
Read articleThe condominium group
Solar panels on the building: are they identified in the policy?
Before assuming condominium solar panels are insured, identify the equipment, ownership and cover actually selected in the policy.
Read articleConversations at home
Death and accidental death: are you comparing the same benefit?
Read Portuguese life quotations without confusing death cover with additional accident benefits. Compare equivalent situations and their conditions.
Read articleConversations at home
Your baby has arrived: are they enrolled in the health policy?
Prepare newborn enrolment in a Portuguese health policy: the request, applicable requirements, effective date and written confirmation.
Read articleConversations at home
Family health insurance: is the premium the whole bill?
Compare family health insurance in Portugal using premiums, copayments, limits and clearly labelled assumptions about use.
Read articleLife doesn’t warn you
After a death, how can you look for an unknown life policy?
Find a starting point for locating life insurance after a death in Portugal, and separate the policy search from a request for payment.
Read articleLife doesn’t warn you
Selling your car: can the buyer keep your insurance?
Prepare a car sale in Portugal without confusing the handover of keys with an insurance transfer. Check ASF guidance and organise the communications.
Read articleLife doesn’t warn you
Two people on life insurance: is each insured for the same share?
Two insured people on mortgage life insurance in Portugal: check each person's share, insured amount, benefits and beneficiaries.
Read articleInsurance made simple
Do the driver and passengers have the same motor cover?
Separate compulsory motor liability from driver and occupant protection in Portugal. Check injury benefits, insured people and relevant limits.
Read articleInsurance 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.
Read articleInsurance 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.
Read articleRenew
A new supplier has remote access: does your Cyber request still describe the business?
Map providers, systems and access when reviewing a Cyber quotation without sharing credentials or assuming cover.
Read articleRenew
Your car now serves the business: how should you explain the change?
Describe actual vehicle use, separating commuting, customer visits and deliveries before reviewing a motor quotation in Portugal.
Read articleRenew
Changing professional liability insurer: what happens to earlier work?
Compare the act, claim and any retroactive date before deciding on a change of professional liability insurance in Portugal.
Read articleThe office at 6 pm
Your business needs a bond: who is protected and for which obligation?
Identify the policyholder, insured creditor and contractual obligation before requesting surety insurance assessment in Portugal.
Read articleThe office at 6 pm
Goods in the company van: does motor insurance settle the question?
Describe the goods, route and loading operations to clarify protection for business deliveries in Portugal.
Read articleThe office at 6 pm
Máquinas Casco insurance: does it cover every machinery breakdown?
Separate symptoms from causes and ask about external damage before considering insurance for business machinery in Portugal.
Read articleLife in the policy
Going hunting: does the insurance evidence match the activity, place and date?
Check hunting liability insurance against the intended outing and consult applicable official requirements without treating a quotation as proof.
Read articleLife in the policy
Leased equipment: who arranges cover and who receives a possible payment?
Compare the lease and insurance documents to clarify ownership, policy roles and the destination of any insurance compensation.
Read articleLife in the policy
After an accident, do treatment bills and days off belong in one calculation?
Distinguish treatment expenses from incapacity or hospital benefits when reading a personal accident quotation, without predicting a payment.
Read articleThe condominium group
A furnished rented home: whose belongings are you insuring?
Separate landlord and tenant property when preparing home insurance rather than assuming one policy protects every occupant and object.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
Explore insurance