Insurance is there to make sure you are financially protected in case of unexpected events or emergencies. There is insurance mandatory, like the carand other optional.
When you take out insurance, you will make an annual or fractional payment (also known as an insurance premium) to your insurer. The price depends on the type of insurance you take out and your personal circumstances, such as age.
Although the importance of be protected by different types of insuranceit can be difficult to know which ones you should consider for yourself.
The main types of insurance
In this article we will divide the main insurance policies into four categories:
life insurance
Life insurance protects you from situations that could jeopardize your future and that of your family. This type of protection is therefore important for financial stability and people’s security.
✅ Family life insurance
Life insurance provides financial protection to your family, in case of:
- death;
- serious illnesses;
- absolute and definitive disability;
- permanent disability for the compatible profession or activity.
Also, if you have a serious illness or disability, you may receive financial support to be used freely for extra expenseswithout relying exclusively on third parties or social protection systems.
In the event of death, life insurance guarantees the payment of compensation, in the amount provided for in the policy, to the beneficiaries (persons designated in the policy, in whose favor the insurance is taken out or, failing that, legitimate heirs). On this side, family life plans are not compromisedsuch as children’s education, financial commitments, etc.
Already General Peace of mindwe provide a range of coverages to protect yourself in the various situations that worry families the most. A good example is education income coverage, which guarantees the payment of a monthly income to children until they turn 23.
OR Life Insurance Plus Protection Plan there are three options – Base, Corn and Top –, in which the level of protection and coverage increases.
✅ Home Credit Life Insurance
If you purchased your home using a mortgage, taking out life insurance associated with the home loan is one of the requirements imposed by the lender.
As the name suggests, this insurance guarantees protection in the context of a real estate loan. That is, the Credit life home insurance guarantees that, In the event of death or disability (if contracted), the remaining capital amount is paid to the designated financial institution, which can partially or completely pay off the debt.
This insurance prevents the family from inheriting the debt to the banking institution and guarantees that the property remains in the possession of the person or beneficiaries.
Usage: Already General Peace of mind, we have the possibility to update the amount due monthlywhich allows the price of insurance to be adjusted as the debt to the bank decreases.
What to consider when choosing life insurance
Choosing life insurance is an important decision that requires careful analysis of your needs and family background. OR vvalue of the insured capital This is an important aspect to take into consideration, to ensure that your financial obligations (such as mortgages, loans and household expenses) are safeguarded, should the “unthinkable” happen.
In response to the different circumstances, lifestyles and needs of our customers, in General Peace of mindWe offer different types of life insurance.
Thus, in addition to the «classic» protection provided by Vida Mais Plano Protection insurance,There are other more specific ones:
Family insurance
Here we include the different insurances that protect people and things from unexpected events.
Under, Here are some of the main types of family insurance from Generali Tranquilidade and what each of them covers.
✅ Car insurance
Whatever the option of car insurance that you choose at Generali Tranquilidade, it is guaranteed that it will include the mandatory civil liability ea travel assistance.
And, if your car is electric, know that our insurance provides it exclusive assistance for electric cars.
It can strengthen your protection and that of your vehicleincluding coverages such as “Protection of all occupants”, “Protection of the driver”, “Insulated glass breakage”, “Vandalism” and “Natural phenomena”.
In Generali Tranquilidade we also have the motorcycle insuranceor Classic insurance (for vintage or collector’s cars and motorbikes) and the I follow Bicicleta and Trotinete.
✅ Home insurance
OR Home insurance of Generali Tranquilidade can protect the home and contents against fire, water damage, electrical hazards, theft or theft, thus providing peace of mind and safety to your family.
It also offers, among other services: household appliance assistance, sending professionals for small household repairs or household services (such as cleaning, laundry and ironing) e medical care (sending doctors and medicines).
You can also count on us to protect those who work in your home, with insurance for domestic employees. We also provide more security for the tenant or owner, with the Income Protection Insurance.
✅ Personal accident insurance
OR personal accident insurance of Generali Tranquilidade allows the insured to protect their personal finances and those of their family from the financial consequences that accidents can cause (treatment and hospital expenses, as well as loss of income from work).
This type of insurance guarantees the payment of treatment costs necessary, following an accident, and, in the event of death or permanent disability, guarantees the payment of compensation to the beneficiaries or the insuredrespectively.
Also in the Personal Accident Insurance category there is Insurance for sports activitieswhich guarantees greater safety for those who practice sporting activities at an amateur or federated level, and the Personal Accident Insurance – Study Abroadwhich offers greater security to Portuguese students studying abroad.
✅ Insurance for dogs and cats
This is the type of insurance that ensures dogs and cats get the health care and well-being they need.
OR Insurance for dogs and cats Generali Tranquilidade covers medical care and medications. Depending on the option chosen, the insurance can, among other things, guarantee the reimbursement of medical expenses and medicines in the event of an accident and/or surgery in case of illness, as well hospitalization costs in case of surgery.
You can also consider a complete the free vaccination plan and the inclusion of other reimbursable vaccines in the provider network, including leishmaniasis.
You can also add Civil Liability coverage, which guarantees the protection of the animal and the payment of damages caused to third parties, in the event that your dog or cat injures someone or damages other people’s property.
What to consider when choosing these insurances
Think about the assets and people you want to protect. Identify key risks: What are the most likely adverse events that could harm you, your family and/or your property?
After doing this exercise, it will become clearer what risks you want to protect yourself from.
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