{"id":2126,"date":"2025-08-28T18:47:44","date_gmt":"2025-08-28T18:47:44","guid":{"rendered":"https:\/\/www.medal.pt\/?page_id=2126"},"modified":"2026-03-05T10:28:57","modified_gmt":"2026-03-05T10:28:57","slug":"questions-frequemment-posees","status":"publish","type":"page","link":"https:\/\/www.medal.pt\/fr\/questions-frequemment-posees\/","title":{"rendered":"FAQs"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2126\" class=\"elementor elementor-2126\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f817aa e-flex e-con-boxed e-con e-parent\" data-id=\"9f817aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b8de1d elementor-widget elementor-widget-heading\" data-id=\"1b8de1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e9e1bd e-flex e-con-boxed e-con e-parent\" data-id=\"1e9e1bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76e050b e-con-full e-flex e-con e-child\" data-id=\"76e050b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-954a67f elementor-widget elementor-widget-text-editor\" data-id=\"954a67f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Bienvenue dans notre section Foire aux Questions.<\/p><p>Vous trouverez ici des r\u00e9ponses aux questions les plus courantes concernant notre activit\u00e9 de courtier en assurances ainsi que les solutions exclusives que nous proposons aux membres d\u2019afpop.<\/p><p>Nous serons ravis de vous fournir davantage de pr\u00e9cisions sur nos avantages et nos tarifs si n\u00e9cessaire. Si vous ne trouvez pas ce que vous cherchez ici, veuillez consulter notre FAQ complet ou nous contacter\u00a0directement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3c7f9b e-flex e-con-boxed e-con e-parent\" data-id=\"f3c7f9b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7207add elementor-widget elementor-widget-heading\" data-id=\"7207add\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">G\u00e9n\u00e9ral<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfd2809 elementor-widget elementor-widget-jet-accordion\" data-id=\"cfd2809\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:true,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0,&quot;switchScrollingDelay&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2171\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2171\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">MEDAL est-elle une compagnie d\u2019assurance?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2171\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Non. MEDAL est un <strong>interm\u00e9diaire en assurances enregistr\u00e9 et autoris\u00e9 par l\u2019ASF <\/strong>\u2013 l\u2019Autorit\u00e9 portugaise de surveillance des assurances et des fonds de pension \u2013, habilit\u00e9 \u00e0 op\u00e9rer dans les branches Vie et Non Vie. Notre r\u00f4le est de conseiller, d\u2019interm\u00e9dier et de pr\u00e9senter les solutions les plus adapt\u00e9es aux besoins de nos Clients, choisies parmi plusieurs assureurs de r\u00e9f\u00e9rence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2172\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2172\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Pourquoi devrais-je souscrire des assurances via MEDAL?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2172\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Vous b\u00e9n\u00e9ficierez de plus de <strong>30 ans d\u2019exp\u00e9rience<\/strong> et d\u2019une \u00e9quipe ind\u00e9pendante, avec une forte capacit\u00e9 de n\u00e9gociation aupr\u00e8s des assureurs. Nous garantissons des solutions personnalis\u00e9es, des couvertures ad\u00e9quates, des tarifs comp\u00e9titifs et un accompagnement continu, toujours en conformit\u00e9 avec la l\u00e9gislation portugaise.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2173\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2173\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Quels types d\u2019assurances puis-je souscrire via MEDAL?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2173\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Nous proposons tous types d\u2019assurances, incluant une large gamme de produits <strong>Vie et Non Vie<\/strong>, tels que sant\u00e9, automobile, habitation, voyage, responsabilit\u00e9 civile, accidents du travail et solutions entreprises. Nous proposons <strong>\u00e9galement des produits sp\u00e9cifiques pour les expatri\u00e9s<\/strong> et des packages personnalis\u00e9s pour les familles et entreprises nationales.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2174\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2174\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Qu\u2019est-ce que l\u2019afpop et quels avantages MEDAL offre-t-elle \u00e0 ses membres?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2174\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\"><strong><em>l\u2019afpop<\/em> <\/strong>(Association of Foreign Residents and Property Owners in Portugal) est la plus grande association de ce type au Portugal, soutenant des milliers d\u2019expatri\u00e9s et r\u00e9sidents (plus d\u2019informations sur <a href=\"https:\/\/afpop.com\/\">www.afpop.com<\/a>). Depuis sa fondation en 1996, MEDAL est un <strong>partenaire de confiance<\/strong> d' <em>l\u2019afpop<\/em>, offrant \u00e0 ses membres des produits d'assurance exclusifs, des conditions pr\u00e9f\u00e9rentielles et des r\u00e9ductions sur les primes, adapt\u00e9s \u00e0 leurs besoins sp\u00e9cifiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2175\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"5\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2175\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">MEDAL propose-t-elle des produits exclusifs pour l\u2019afpop?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2175\" class=\"jet-toggle__content\" data-toggle=\"5\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Oui. En tant que partenaire de longue date d\u2019 <strong><em>l\u2019afpop<\/em><\/strong>, nous avons d\u00e9velopp\u00e9 des produits sp\u00e9cifiques pour ses Membres (Sant\u00e9, Habitation, Automobile et Voyage), <strong>avec des conditions avantageuses, des r\u00e9ductions de primes et des couvertures exclusives<\/strong> non disponibles sur le march\u00e9 g\u00e9n\u00e9ral.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2176\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"6\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2176\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Est-ce que je paie plus en faisant appel \u00e0 un courtier comme MEDAL?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2176\" class=\"jet-toggle__content\" data-toggle=\"6\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Non. Les primes sont identiques \u00e0 celles pratiqu\u00e9es directement par les assureurs. Notre r\u00e9mun\u00e9ration provient des commissions vers\u00e9es par ces derniers, de sorte que le Client ne supporte aucun co\u00fbt suppl\u00e9mentaire.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2177\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"7\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2177\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Quels sont les principaux avantages d\u2019avoir un courtier \u00e0 vos c\u00f4t\u00e9s?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2177\" class=\"jet-toggle__content\" data-toggle=\"7\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 la souscription directe aupr\u00e8s d\u2019un assureur, un interm\u00e9diaire ind\u00e9pendant comme MEDAL offre un <strong>conseil impartial<\/strong>, l\u2019acc\u00e8s \u00e0 plusieurs assureurs, une n\u00e9gociation sp\u00e9cialis\u00e9e et un suivi rapproch\u00e9. Nous disposons \u00e9galement d\u2019un <strong>D\u00e9partement Sinistres d\u00e9di\u00e9<\/strong>, qui accompagne nos Clients tout au long du processus de d\u00e9claration, suivi et r\u00e8glement des sinistres.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-2178\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"8\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-2178\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Est-ce que je re\u00e7ois un conseil professionnel et r\u00e9gul\u00e9?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-2178\" class=\"jet-toggle__content\" data-toggle=\"8\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\"><br>Oui. Tous nos collaborateurs respectent les exigences de <strong>formation continue et de certification impos\u00e9es par l\u2019ASF<\/strong>, fournissant un conseil professionnel, ind\u00e9pendant et conforme aux meilleures pratiques du secteur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d72be4 e-flex e-con-boxed e-con e-parent\" data-id=\"8d72be4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72bf492 elementor-widget elementor-widget-heading\" data-id=\"72bf492\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance Automobile<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54b5835 elementor-widget elementor-widget-jet-accordion\" data-id=\"54b5835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:true,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0,&quot;switchScrollingDelay&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8881\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8881\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">L\u2019assurance automobile est-elle obligatoire?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8881\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Oui. Au Portugal, l\u2019assurance Responsabilit\u00e9 Civile automobile est obligatoire, avec une couverture minimale de 7.750.000\u20ac.<br><br>Sans assurance valide, votre v\u00e9hicule peut \u00eatre saisi, et vous pouvez \u00eatre soumis \u00e0 une amende.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8882\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8882\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Qui peut conduire le v\u00e9hicule?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8882\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Tout conducteur disposant d\u2019un permis de conduire valide au Portugal peut conduire le v\u00e9hicule. Les garanties couvrent tout conducteur. Dans certains cas, il peut \u00eatre recommand\u00e9 d\u2019avoir une d\u00e9claration sign\u00e9e par le souscripteur de l\u2019assurance autorisant un tiers \u00e0 utiliser le v\u00e9hicule.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8883\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8883\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Est-il possible d\u2019assurer un v\u00e9hicule avec une immatriculation \u00e9trang\u00e8re?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8883\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Non. Il n\u2019est possible d\u2019assurer un v\u00e9hicule immatricul\u00e9 \u00e0 l\u2019\u00e9tranger que lorsque la proc\u00e9dure d\u2019immatriculation au Portugal a d\u00e9j\u00e0 \u00e9t\u00e9 entam\u00e9e.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8884\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8884\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Dans quels pays la couverture est-elle valable?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8884\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Vous devez v\u00e9rifier votre Carte Verte pour confirmer les pays o\u00f9 vous pouvez circuler sans restrictions. V\u00e9rifiez \u00e9galement si une surprime est n\u00e9cessaire pour \u00e9tendre votre couverture d\u2019assurance au pays en question.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8885\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"5\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8885\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Puis-je transf\u00e9rer mon bonus-malus sans sinistres?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8885\" class=\"jet-toggle__content\" data-toggle=\"5\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Oui. Le bonus sans sinistre peut \u00eatre transf\u00e9r\u00e9 de votre assureur pr\u00e9c\u00e9dent, y compris \u00e9tranger, vous permettant de b\u00e9n\u00e9ficier d\u2019une r\u00e9duction en raison de votre historique de conduite sans sinistres.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8886\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"6\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8886\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Que dois-je faire en cas d\u2019accident?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8886\" class=\"jet-toggle__content\" data-toggle=\"6\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">S\u2019il n\u2019y a pas de bless\u00e9s et que seuls deux v\u00e9hicules sont impliqu\u00e9s, vous devez remplir le Constat Europ\u00e9en d\u2019Accident<a href=\"https:\/\/www.medal.pt\/wp-content\/uploads\/2025\/09\/european-accident-statement-en.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">(DAAA \u2013 Declara\u00e7\u00e3o Amig\u00e1vel de Acidente Autom\u00f3vel)<\/a>le plus pr\u00e9cis\u00e9ment possible et le remettre \u00e0 notre D\u00e9partement Sinistres afin d\u2019ouvrir le dossier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de d\u00e9saccord sur l\u2019attribution de la responsabilit\u00e9,&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">vous devez appeler la police pour \u00e9tablir un rapport d\u2019accident, \u00e0 pr\u00e9senter \u00e0 la compagnie d\u2019assurance.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8887\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"7\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8887\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Pour toute question, contactez notre D\u00e9partement Sinistres:<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8887\" class=\"jet-toggle__content\" data-toggle=\"7\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Tel. <a href=\"tel:282430800\">282 430 800<\/a> E-mail:\u00a0<a href=\"mailto:sinistros@medal.pt\">sinistros@medal.pt<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c767ec3 e-flex e-con-boxed e-con e-parent\" data-id=\"c767ec3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f66148d elementor-widget elementor-widget-heading\" data-id=\"f66148d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance Habitation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7842de9 elementor-widget elementor-widget-jet-accordion\" data-id=\"7842de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:true,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0,&quot;switchScrollingDelay&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1261\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1261\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Comment \u00e9valuer correctement les valeurs du b\u00e2timent et du contenu?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1261\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Les capitaux assur\u00e9s doivent \u00eatre calcul\u00e9s sur la base suivante d\u2019indemnisation:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Valeur du b\u00e2timent: le co\u00fbt de reconstruction du bien assur\u00e9 avec des caract\u00e9ristiques identiques ou similaires en cas de dommages ou de destruction. La surface en m\u00b2 doit \u00eatre prise en compte, les valeurs variant selon la qualit\u00e9 des mat\u00e9riaux. Les piscines, annexes et garages doivent \u00e9galement \u00eatre inclus dans ce montant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Contenu: la valeur de remplacement sans aucune d\u00e9pr\u00e9ciation due \u00e0 l\u2019usage, \u00e0 l\u2019\u00e9tat de conservation ou \u00e0 l\u2019\u00e2ge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022 Objets de valeur et bijoux: leur v\u00e9ritable valeur de march\u00e9 \u00e0 la date du sinistre.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1262\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1262\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Garanties suppl\u00e9mentaires que nous conseillons d\u2019actualiser ou d\u2019inclure, selon notre exp\u00e9rience en gestion de sinistres:<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1262\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Risques \u00e9lectriques: couvre la perte ou l\u2019endommagement de tout \u00e9quipement \u00e9lectrique r\u00e9sultant de l\u2019action directe du courant \u00e9lectrique, notamment surtension et surintensit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dommages accidentels: couvre la perte ou l\u2019endommagement du contenu assur\u00e9 caus\u00e9 par tout \u00e9v\u00e9nement soudain, fortuit et accidentel (non applicable aux biens en location).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Couverture \u00abTous Risques\u00bb: perte ou dommage aux objets sp\u00e9cifi\u00e9s par le souscripteur. Dans cette garantie, vous pouvez inclure vos bijoux ou objets personnels (appareils photo, ordinateurs portables, t\u00e9l\u00e9phones portables, etc.). Le p\u00e9rim\u00e8tre de couverture est propos\u00e9 \u00e0 trois niveaux: Portugal, Europe ou Monde.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1263\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1263\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Autres aspects importants \u00e0 consid\u00e9rer:<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1263\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Si le bien est lou\u00e9 \u00e0 des tiers, le souscripteur doit toujours informer la compagnie d\u2019assurance afin d\u2019adapter la police aux risques de responsabilit\u00e9 \u00e9ventuels.<br><br>En cas de modifications apport\u00e9es au b\u00e2timent ou au contenu, la compagnie d\u2019assurance doit toujours \u00eatre inform\u00e9e afin de maintenir la police \u00e0 jour et \u00e9viter tout probl\u00e8me en cas de sinistre.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-377daf0 e-flex e-con-boxed e-con e-parent\" data-id=\"377daf0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59d7d68 elementor-widget elementor-widget-heading\" data-id=\"59d7d68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance Sant\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ffa364 elementor-widget elementor-widget-jet-accordion\" data-id=\"4ffa364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:true,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0,&quot;switchScrollingDelay&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8381\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8381\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Date de renouvellement et paiement<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8381\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">\u00c9tant une assurance de groupe, totalement exclusive aux membres de l\u2019afpop, la date de renouvellement est fix\u00e9e au 01\/01 de chaque ann\u00e9e, et le paiement est annuel ou trimestriel. Vous recevrez toujours un avis accompagn\u00e9 de la lettre de renouvellement afin d\u2019effectuer le paiement par virement bancaire ou ch\u00e8que.\u00a0<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8382\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8382\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Augmentation de prime? Ratio de sinistralit\u00e9?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8382\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">S\u2019agissant d\u2019un contrat sp\u00e9cialement con\u00e7u pour un groupe aux besoins similaires et b\u00e9n\u00e9ficiant d\u2019avantages consid\u00e9rables par rapport au march\u00e9, l\u2019augmentation de prime est appliqu\u00e9e de mani\u00e8re \u00e9gale, selon la tranche d\u2019\u00e2ge, \u00e0 toutes les personnes assur\u00e9es.\n Ainsi, en cas de sinistre plus grave, votre contrat ne sera pas aggrav\u00e9 de fa\u00e7on proportionnelle, car le ratio de sinistralit\u00e9 concerne l\u2019ensemble du groupe, permettant de petits ajustements communs \u00e0 tous les membres de l\u2019afpop. Notre exp\u00e9rience indique \u00e9galement que les contrats doivent \u00eatre actualis\u00e9s chaque ann\u00e9e afin d\u2019\u00e9viter de fortes augmentations futures.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8383\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8383\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Consultations dans ou hors du r\u00e9seau?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8383\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Votre assurance vous permet de choisir entre deux options. Vous pouvez consulter un m\u00e9decin conventionn\u00e9 et payer le tarif convenu, ou consulter un m\u00e9decin non conventionn\u00e9, auquel cas vous devez payer d\u2019abord et demander le remboursement en pr\u00e9sentant le re\u00e7u.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"239\" src=\"https:\/\/www.medal.pt\/wp-content\/uploads\/2025\/09\/FAQ_Health_Consult_2026-1024x239.jpg\" alt=\"\" class=\"wp-image-4126\" srcset=\"https:\/\/www.medal.pt\/wp-content\/uploads\/2025\/09\/FAQ_Health_Consult_2026-1024x239.jpg 1024w, https:\/\/www.medal.pt\/wp-content\/uploads\/2025\/09\/FAQ_Health_Consult_2026-300x70.jpg 300w, https:\/\/www.medal.pt\/wp-content\/uploads\/2025\/09\/FAQ_Health_Consult_2026-768x179.jpg 768w, https:\/\/www.medal.pt\/wp-content\/uploads\/2025\/09\/FAQ_Health_Consult_2026-18x4.jpg 18w, https:\/\/www.medal.pt\/wp-content\/uploads\/2025\/09\/FAQ_Health_Consult_2026.jpg 1217w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez une des options Allianz et souhaitez une consultation \u00e0 domicile, vous devez contacter Allianz au num\u00e9ro Assistance <strong>(+351) 213\u00a0108\u00a0321<\/strong> (ligne bilingue), au co\u00fbt de 20\u20ac.<br><br>Pour les options Light et B, une franchise annuelle de 50\u20ac s\u2019applique aux premi\u00e8res d\u00e9penses pr\u00e9sent\u00e9es pour remboursement.\nPar exemple, si vos premi\u00e8res d\u00e9penses en dehors du r\u00e9seau Allianz s\u2019\u00e9l\u00e8vent \u00e0 85\u20ac, vous recevrez le montant suivant:\u00a0<br>85\u20ac \u2013 50\u20ac (franchise annuelle) * 60% = 21\u20ac.<br><br>Pour les d\u00e9penses suivantes, vous recevrez 60% du montant pr\u00e9sent\u00e9.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8384\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8384\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Date de r\u00e9f\u00e9rence pour les affections pr\u00e9existantes ? Conditions m\u00e9dicales ant\u00e9rieures au contrat?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8384\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">La date fix\u00e9e pour les affections pr\u00e9existantes est la date de d\u00e9but si le contrat est nouveau. En cas de transfert depuis un autre assureur, Allianz acceptera, sur pr\u00e9sentation de justificatif, la date de d\u00e9but de l\u2019ancien contrat comme r\u00e9f\u00e9rence pour les pr\u00e9existences.<br><br><strong>La date retenue est extr\u00eamement importante<\/strong>, car toutes les conditions m\u00e9dicales ant\u00e9rieures \u00e0 cette date, ou li\u00e9es \u00e0 celles-ci, sont automatiquement exclues de votre contrat.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8385\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"5\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8385\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Avantages \u00e0 utiliser le r\u00e9seau de prestataires de l\u2019assureur?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8385\" class=\"jet-toggle__content\" data-toggle=\"5\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">L\u2019utilisation du r\u00e9seau de prestataires est avantageuse pour le client, car l\u2019assur\u00e9 ne paie que sa part, le reste \u00e9tant r\u00e9gl\u00e9 directement par Allianz au prestataire. De plus, les tarifs pay\u00e9s par Allianz sont plus avantageux, ce qui am\u00e9liore le ratio de sinistralit\u00e9 en fin d\u2019ann\u00e9e.<br><br>Ajout\u00e9 au fait que les tarifs pratiqu\u00e9s dans le r\u00e9seau Allianz sont inf\u00e9rieurs \u00e0 ceux du grand public, cela devient particuli\u00e8rement b\u00e9n\u00e9fique en termes de ratio de sinistralit\u00e9.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8386\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"6\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8386\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Comment pr\u00e9senter des d\u00e9penses pour remboursement?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8386\" class=\"jet-toggle__content\" data-toggle=\"6\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Les d\u00e9penses \u00e0 rembourser doivent toujours \u00eatre envoy\u00e9es \u00e0 MEDAL, dans un d\u00e9lai maximum de 90 (MGEN) ou 180 jours (Allianz), afin que notre d\u00e9partement sant\u00e9 puisse analyser et v\u00e9rifier si des documents n\u00e9cessaires manquent pour poursuivre la demande de remboursement aupr\u00e8s de l\u2019assureur.<br><br>Pour vous aider, nous mettons \u00e0 votre disposition une liste de proc\u00e9dures et un formulaire de remboursement \u00e0 prendre en compte lors de l\u2019envoi.<br>Le remboursement sera effectu\u00e9 sur votre compte bancaire dans un d\u00e9lai de 15\u201320 jours ouvrables. Le montant non rembours\u00e9 de toutes les d\u00e9penses pr\u00e9sent\u00e9es chaque ann\u00e9e figurera dans la d\u00e9claration annuelle de frais de sant\u00e9, qui vous sera transmise \u00e0 des fins fiscales (IRS) au d\u00e9but de chaque ann\u00e9e.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-8387\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"7\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-8387\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Traitements et interventions chirurgicales \u00e0 l\u2019\u00e9tranger? Est-ce possible?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-8387\" class=\"jet-toggle__content\" data-toggle=\"7\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">L\u2019\u00e9tendue territoriale du contrat est le Portugal et l\u2019Espagne. En dehors de ces pays, la couverture ne s\u2019applique qu\u2019en cas de maladie soudaine ou d\u2019accident lors de voyages n\u2019exc\u00e9dant pas 90 jours. Il est important de souligner qu\u2019aucun pays n\u2019est exclu et qu\u2019il est possible d\u2019\u00e9tendre la limite de 90 jours moyennant une prime suppl\u00e9mentaire.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48bf5b4 e-flex e-con-boxed e-con e-parent\" data-id=\"48bf5b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6a797b elementor-widget elementor-widget-heading\" data-id=\"c6a797b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance Voyage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8459f41 elementor-widget elementor-widget-jet-accordion\" data-id=\"8459f41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:true,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0,&quot;switchScrollingDelay&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1381\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1381\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Quel est le champ territorial de la police?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1381\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Cette police annuelle offre une couverture mondiale \u00e0 l\u2019exception de l\u2019Afghanistan, Cuba, R\u00e9publique D\u00e9mocratique du Congo, Iran, Irak, Lib\u00e9ria, Soudan et Syrie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1382\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1382\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Y a-t-il une limite d\u2019\u00e2ge?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1382\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Il n\u2019existe aucune limite d\u2019\u00e2ge d\u2019entr\u00e9e ni de maintien dans la police annuelle pour les membres de l\u2019\u00a0<strong>l\u2019afpop<\/strong>.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1383\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1383\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Combien de jours par voyage sont couverts?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1383\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">La police garantit une couverture pour des voyages jusqu\u2019\u00e0 60 jours. Si le voyage d\u00e9passe 60 jours, aucune couverture n\u2019est accord\u00e9e, sauf en cas de communication et d\u2019autorisation pr\u00e9alable de la compagnie d\u2019assurances.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1384\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1384\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Dois-je informer que je voyage?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1384\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Il n\u2019est pas n\u00e9cessaire de communiquer vos voyages. Seulement en cas de sinistre un justificatif du billet sera demand\u00e9.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1385\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"5\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1385\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">En cas d\u2019hospitalisation ou de chirurgie, dois-je payer?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1385\" class=\"jet-toggle__content\" data-toggle=\"5\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Vous devez pr\u00e9senter votre carte avec le num\u00e9ro de police et contacter l\u2019assistance voyage de votre compagnie afin qu\u2019elle prenne contact avec l\u2019h\u00f4pital et, si possible, r\u00e8gle directement la facture aupr\u00e8s de celui-ci.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1386\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"6\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1386\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Existe-t-il une franchise pour les frais m\u00e9dicaux \u00e0 l\u2019\u00e9tranger?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1386\" class=\"jet-toggle__content\" data-toggle=\"6\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">En cas de maladie couverte par la police, les frais inf\u00e9rieurs \u00e0 50\u20ac sont exclus, tout comme les frais non li\u00e9s \u00e0 une hospitalisation inf\u00e9rieurs \u00e0 75\u20ac, qui ne sont pas couverts.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1387\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"7\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1387\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">En cas de rapatriement?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1387\" class=\"jet-toggle__content\" data-toggle=\"7\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Le rapatriement est toujours effectu\u00e9 vers le Portugal. Vous devez toujours contacter le service d\u2019assistance voyage, disponible 24h\/24, afin d\u2019informer la compagnie de la n\u00e9cessit\u00e9 de ce service.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1388\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"8\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1388\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><i class=\"icon icon-plus\"><\/i><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><i class=\"icon icon-minus\"><\/i><\/span><\/div><div class=\"jet-toggle__label-text\">Maladies pr\u00e9existantes?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1388\" class=\"jet-toggle__content\" data-toggle=\"8\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\n<p class=\"wp-block-paragraph\">Si un probl\u00e8me de sant\u00e9 est li\u00e9 \u00e0 une condition clinique pr\u00e9existante \u00e0 la date de d\u00e9but de la police, il sera automatiquement exclu.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Welcome to our Frequently Asked Questions (FAQs). Here you will find answers to some of the most common questions about our activity as an insurance broker and the exclusive solutions we provide to afpop members. We will be pleased to clarify our advantages and costs in more detail should you require further information. If you [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1974,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2126","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurance in Portugal | FAQs | MEDAL<\/title>\n<meta name=\"description\" content=\"Have questions about insurance in Portugal? 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