RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
Find your topic. Understand the conditions. Make a clearer decision.
465 articles
Conversations at home
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.
Read articleLife in the policy
Document reconstruction may link payment to evidenced expense and a specific settlement period. Arrange the timeline without assuming one deadline for all insurance.
Read articleThe office at 6 pm
A repair design and a report supporting a claim serve different purposes. Separate the services and check the benefit actually purchased.
Read articleConversations at home
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.
Read articleLife doesn’t warn you
Check wreck removal separately. A contractual example distinguishes liability, boat damage and specific expense limits.
Read articleThe office at 6 pm
A previous condition alone does not determine compensation. Distinguish predisposition, aggravation and existing disability without calculating an individual claim.
Read articleConversations at home
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.
Read articleThe office at 6 pm
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.
Read articleLife in the policy
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.
Read articleLife doesn’t warn you
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.
Read articleRenew
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.
Read articleLife in the policy
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 articleThe office at 6 pm
Direct rights against the insurer follow different rules for compulsory and voluntary liability insurance. A certificate alone settles neither the distinction nor entitlement to payment.
Read articleConversations at home
For insurance of a collection of items, the name in the policy does not settle ownership of every item. Understand the shared-household rule, its qualifications and the evidence needed.
Read articleInsurance made simple
Two parked cars and a door opened by a passenger: being stationary does not, by itself, exclude use as a means of transport. Separate that issue from liability and damage.
Read articleThe office at 6 pm
Policy termination and the indemnity period are different questions. Read the legal rule and a business-interruption example without assuming twelve guaranteed months.
Read articleInsurance made simple
A remote physiotherapy programme, a purchased app and in-person sessions are different services. Identify the programme and the insurance process before assuming payment.
Read articleConversations at home
Policyholder, insured person and beneficiary can have different roles. Read the proposal’s identities and understand when consent to cover the risk is required.
Read articleThe office at 6 pm
Rehabilitation, compatible duties and insurance are separate parts of the process. Understand employer duties and assessment without assuming funding.
Read articleInsurance made simple
Payment to third parties and recovery against the driver are separate questions. Understand the alcohol rule, road-law thresholds and records to retain.
Read articleConversations at home
Separate home assistance from temporary loss of use: benefit order, permanent residence, additional expenses and supporting records.
Read articleLife doesn’t warn you
Separate the airport report from a written complaint. Check damage and delay deadlines, their starting dates and notification to travel insurance.
Read articleLife in the policy
Predetermined benefits and expense reimbursement work differently. Check accumulation, the contractual exception and disclosure of other insurance for the same risk.
Read articleInsurance made simple
Do not read kinship as a general exclusion of passengers’ own injuries. Distinguish bodily injury, property damage and the driver responsible for the accident.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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