RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
Find your topic. Understand the conditions. Make a clearer decision.
465 articles
Insurance made simple
A prescription, SNS contribution and private-insurance reimbursement answer different questions. Learn to read a pharmacy expense and check medicines cover.
Read articleLife in the policy
A right-of-action deadline differs from notifying an insurer. Understand the reference to formally communicated clinical discharge and prepare documents for competent assistance.
Read articleLife doesn’t warn you
Under the general framework, Article 104 links the deadline to establishing the facts. Separate notification, assessment and payment becoming due without using the wrong starting document.
Read articleThe office at 6 pm
Law 98/2009 provides equal treatment and protection for relatives. Understand the scope, the specific temporary foreign-employer situation and insurance checks.
Read articleInsurance made simple
A statutory special-acceptance route exists after at least three refusals. Understand the distinctions, ASF’s role and the restriction on intermediary involvement.
Read articleInsurance made simple
Article 190 distinguishes life insurance and later changes in health. Separate that rule from initial disclosure, supplementary covers and reporting a claim.
Read articleLife in the policy
Selling the property and transferring insurance require separate checks. Understand the default rule, notification to the insurer and documents to review.
Read articleLife in the policy
The economic total-loss test also includes salvage. See the addition, legal thresholds and a fictional example, separating classification from compensation.
Read articleInsurance made simple
Under the general regime, using a PPR to pay instalments requires checking the loan, contribution dates and evidence. Do not confuse this with early capital repayment.
Read articleLife doesn’t warn you
Discharge does not settle every future situation. Separate treatment for recurrence or aggravation, renewed work incapacity and review of a work accident benefit.
Read articleLife in the policy
Separate psychology, psychiatry and inpatient care. Learn how to check mental health cover, limits and procedures without assuming everything falls under outpatient cover.
Read articleThe office at 6 pm
Supplier-owned stock needs a separate line in business multi-risk insurance. Read a contractual example and prepare ownership, values, limits and other policies.
Read articleConversations at home
Separate your correspondence address from the insured location. Prepare the buildings, contents, move and dates before reviewing cover for your new home.
Read articleRenew
Distinguish a payment notice, renewal and an overdue instalment in Portuguese home insurance. No new letter does not prove that cover continues.
Read articleInsurance made simple
Individual health insurance lasting at least six months is not simply subject to the 14-day rule associated with online purchases. Check the period, starting date and exceptions.
Read articleConversations at home
Some policy terms expressly address this situation with specific requirements. Distinguish the interruption, damage cause and evidence of the supply cut before assuming cover.
Read articleThe office at 6 pm
Portugal’s work-accident regime distinguishes existing technical aids from an ordinary optical purchase. Prepare a request to assess repair or replacement of damaged glasses.
Read articleRenew
The effect depends on the insurance arrangement and why the loan ended. Distinguish full repayment, protection chosen to continue and a transfer to another bank.
Read articleThe office at 6 pm
Portuguese law allows review linked to changes in working or earning capacity. Understand its scope and frequency without assuming an automatic increase.
Read articleInsurance made simple
A formal transfer runs between providers and carries contribution history. Check the distinction between transfer, withdrawal and a new contribution.
Read articleLife doesn’t warn you
Recovery rights involve more than the inspection date. Understand malfunction’s role in the accident and a statutory qualification at contract formation.
Read articleConversations at home
Repairing damage and reinstating the sum insured are different matters. Explore an example of post-claim reduction and questions about the available amount.
Read articleLife in the policy
An age error has its own legal regime. Distinguish age outside underwriting limits from adjustments to the benefit or premium.
Read articleLife in the policy
A clause may extend to premises glass without insuring the building. Understand why that does not establish cover for frames, fittings or the entire frontage.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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