English-speaking readers consulting Portuguese insurance documents.
Use this glossary to orient your reading, then check how the particular contract defines each term. These explanations are not certified legal translations.
People and documents
Tomador do seguro — the policyholder who enters the contract. Pessoa segura — the person whose life, health or physical integrity is insured. Segurador — the insurer responsible under the contract.
Apólice — the document containing the insurance contract. Condições particulares — details applying to the specific contract, read together with the other conditions.
Money and limits
Prémio — the amount paid for the insurance. Capital seguro — the amount specified as the insured limit, subject to the contract. Franquia — the portion of a covered loss that remains with the policyholder or insured person under the agreed terms.
Copagamento — a payment borne by the insured person for a healthcare service, as defined in the health contract. Do not assume the same calculation applies to every benefit.
Time and events
Período de carência — a waiting period before certain benefits take effect. Exclusão — a circumstance outside the stated cover. Sinistro — an event capable of triggering the contract’s cover. Look up definitions before deciding whether a particular event fits.
Sources and further reading
Use these sources to explore the topic further. Check your insurance terms in the policy documents and ask the insurer to clarify any questions.
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