Life in the policy
I have legal-expenses insurance: can I choose my own lawyer?
The statutory right of choice has a defined scope. Locate the cover, special rules and expense limits before assuming full payment.
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Life doesn’t warn you
The insurer accepted liability against my account: can I submit new information?
In the situation covered by article 36, five working days are available to submit information, followed by a final decision. Distinguish this step from repeating the accident report.
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No answer to my health-insurance application after 14 days: does silence mean acceptance?
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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Unpaid life insurance: can I reinstate the policy without another medical exam?
Life insurance has specific non-payment and reinstatement rules in Portugal. Find the policy deadline and distinguish a late payment from confirmed protection.
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Does missing work-accident treatment automatically stop compensation?
The law links reduction or exclusion to unjustified refusal and its consequences for incapacity or damage. Understand the distinction and the clinical-dispute process.
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An apprentice's work accident: is compensation based only on what they receive?
Apprentices and trainees have a specific reference-pay rule. Understand Article 71(7) and separate an allowance, calculation base and compensation.
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The cargo arrived undamaged: why am I asked for a general-average contribution?
In sea carriage, undamaged cargo can contribute to general average. Separate the contribution, requested security and insurance response before replying.
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Capitalisation operation: does the subscriber's death bring maturity forward?
In a Portuguese capitalisation operation, the subscriber's position passes to successors while the contract retains its maturity. Distinguish this from life insurance and surrender.
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Home insurance has paid: can I waive a claim against the responsible third party?
After an insurance payout, an agreement with a third party may prejudice the insurer's rights. Understand subrogation, uninsured losses and what to clarify before signing.
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Work accident: is there support for adapting your home?
Housing adaptation has a specific benefit for certain permanent incapacity situations. Check the condition, limit and records to organise.
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Motor insurance: do the eight working days to pay run from the accident?
Payment to the injured party has its own reference point and requires the necessary documents. Rui and Clara separate decision, enquiry and payment.
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Work accident: can I choose the surgeon for a high-risk operation?
Portuguese law provides a specific choice for high-risk or potentially life-threatening operations. Separate it from the general choice of attending doctor.
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The beneficiary died before the insured person: who receives the life benefit?
The order of deaths and a waiver of the right to revoke may change the answer. Henrique and Clara explain what to check in an individual designation.
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Damaged business records: when should reconstruction expenses be evidenced?
Document reconstruction may link payment to evidenced expense and a specific settlement period. Arrange the timeline without assuming one deadline for all insurance.
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Specialist fees after business damage: are repair and claim preparation the same expense?
A repair design and a report supporting a claim serve different purposes. Separate the services and check the benefit actually purchased.
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The life insurance policyholder died: who takes over the contract?
The policyholder dying differs from the insured person dying. Find the transfer clause and prepare a clear request to the insurer without assuming automatic succession.
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Boat wreck removal: is liability insurance enough?
Check wreck removal separately. A contractual example distinguishes liability, boat damage and specific expense limits.
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Does a pre-existing condition exclude compensation for a work accident?
A previous condition alone does not determine compensation. Distinguish predisposition, aggravation and existing disability without calculating an individual claim.
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Does dental cover under health insurance automatically pay for implants?
The word prosthesis or a dental benefit does not settle every implant procedure. See a contractual exclusion example and prepare a question covering the complete treatment plan.
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Can an employer deduct work accident insurance from an employee’s salary?
Portuguese law prohibits passing these costs into salary deductions. Distinguish the insurer’s identification from a deduction and learn how to clarify an ambiguous payslip item.
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Life insurance: is notifying a claim the same as preserving the limitation period?
Separate claim notification from the limitation period for a benefit. An open file or an email alone does not establish that every deadline has been preserved.
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Motor assessment report: when must it be made available?
The four-working-day rule starts when the assessment is completed and has qualifications. Learn what to request and how the report differs from a decision or repair instruction.
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Home insurance with too much insured capital: can I request a premium refund?
Overinsurance has a rule on reducing the contract and refunding excess premiums. Understand good faith, the two-year period and the deduction of acquisition costs.
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Work accident absence: are proportional holiday and Christmas allowances payable?
For temporary incapacity lasting more than 30 days, Portuguese law provides for proportional allowances. Separate these from annual pay and a permanent incapacity pension.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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