RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
The answers you are looking for about health. Choose an editorial series and explore one question at a time.
49 articles
Insurance made simple
The same policy may mention surgical prostheses under Hospitalisation and have a separate Prostheses and Orthoses benefit. Find out which expense category to clarify.
Read articleInsurance made simple
An exclusion may extend to consultations and diagnostic tests before any technique begins. Read its scope, any express provisions to the contrary and the payment arrangement.
Read articleLife in the policy
A reference to transport after discharge and a transport-booking service do not have the same effect. See how two arrangements differ in specific policy wording.
Read articleLife in the policy
The procedure’s number of K units and the euro value per K have different roles. Read a fee limit without confusing it with the final reimbursement.
Read articleInsurance made simple
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.
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 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 articleInsurance 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
Separate psychology, psychiatry and inpatient care. Learn how to check mental health cover, limits and procedures without assuming everything falls under outpatient cover.
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 articleLife in the policy
A general chemotherapy reference does not establish every technique’s position. Compare inclusions, exclusions and the answer for the actual procedure.
Read articleLife in the policy
The period runs from delivery of the policy. Identify the discrepancy, request correction and retain evidence without confusing the request with cancellation.
Read articleLife in the policy
Distinguish clarification from a complaint after a health claim refusal. Organise the timeline, reasons and relevant records.
Read articleInsurance made simple
If another entity has already reimbursed part of an expense, keep the invoice and statement of payment. Your remaining cost is not automatically payable by another policy.
Read articleConversations at home
Understand how eligible premiums share the health-expense tax credit. Sofia and Clara separate spending, tax credit and refund in a fictional example.
Read articleConversations at home
A childbirth benefit described as network access may mean negotiated prices paid entirely by you. Compare payment arrangements, waiting periods and the estimate.
Read articleInsurance made simple
Portuguese law restricts insurers' use of genetic tests and information. Distinguish this from other health questions and prepare a clear enquiry.
Read articleLife doesn’t warn you
Waiting periods and pre-existing-condition exclusions have different effects. Understand Article 216 and the written terms to check before taking out health insurance.
Read articleInsurance made simple
A new calendar year does not automatically end a waiting period. Map dates by insured person and cover, including when changing health insurance.
Read articleRenew
Non-renewal requires checking illness notification, the remaining limit and subsequent insurance. Understand Article 217's conditions and prepare your request.
Read articleRenew
A scheduled consultation and sudden illness on holiday need different checks. Confirm territory, duration, limits and assistance procedures.
Read articleLife in the policy
With an outside-network prescription, check who requests prior authorisation, which channel to use and how to track the response.
Read articleRenew
Compare the change across the whole policy. Confirm its effective date and the new total, including any family-based pricing conditions.
Read articleThe office at 6 pm
An employer-funded benefit may have a personal expense channel. Check the reimbursement route before sending clinical documents around the workplace.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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