{"id":807,"date":"2019-11-04T09:46:57","date_gmt":"2019-11-04T09:46:57","guid":{"rendered":"http:\/\/localhost\/?page_id=807"},"modified":"2019-12-10T11:29:18","modified_gmt":"2019-12-10T11:29:18","slug":"glossario","status":"publish","type":"page","link":"https:\/\/www.empremedia.pt\/?page_id=807","title":{"rendered":"Gloss\u00e1rio"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1  fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"  data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-title title fusion-sep-none fusion-title-size-one\" style=\"margin-top:0px;margin-bottom:31px;\"><h1 class=\"title-heading-left\">GLOSS\u00c1RIO<\/h1><\/div><style>\n.active a h4 {\n\tcolor:#fff!important;\n}\n\n.tab-link:hover h4 {\n    color: #fff!important;\n}\n<\/style><div class=\"fusion-tabs fusion-tabs-1 clean horizontal-tabs icon-position-right\"><style type=\"text\/css\">#wrapper .fusion-tabs.fusion-tabs-1.clean .nav-tabs li a{border-color:rgba(235,234,234,0);}.fusion-tabs.fusion-tabs-1 .nav-tabs li a{background-color:#ebeaea;}.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a:hover,.fusion-tabs.fusion-tabs-1 .nav-tabs li.active a:focus{background-color:#134633;}.fusion-tabs.fusion-tabs-1 .nav-tabs li a:hover{background-color:#134633;border-top-color:#134633;}.fusion-tabs.fusion-tabs-1 .tab-pane{background-color:#134633;}.fusion-tabs.fusion-tabs-1 .nav,.fusion-tabs.fusion-tabs-1 .nav-tabs,.fusion-tabs.fusion-tabs-1 .tab-content .tab-pane{border-color:rgba(235,234,234,0);}<\/style><div class=\"nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-a\" href=\"#tab-7c38367ecfac5e31efa\"><h4 class=\"fusion-tab-heading\">A<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-b\" href=\"#tab-b2af61bfb7bb1accab2\"><h4 class=\"fusion-tab-heading\">B<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-c\" href=\"#tab-b0a399505f1770d60ff\"><h4 class=\"fusion-tab-heading\">C<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-d\" href=\"#tab-79ac454b0e7d3f2f7f7\"><h4 class=\"fusion-tab-heading\">D<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-e\" href=\"#tab-66a8aa660cba1a3439b\"><h4 class=\"fusion-tab-heading\">E<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-f\" href=\"#tab-a2fe63e041114d56fd5\"><h4 class=\"fusion-tab-heading\">F<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-g\" href=\"#tab-8d0308aae8e5e8a1e59\"><h4 class=\"fusion-tab-heading\">G<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-i\" href=\"#tab-ce2082f68f91b8dec52\"><h4 class=\"fusion-tab-heading\">I<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-j\" href=\"#tab-91235808f92e9084033\"><h4 class=\"fusion-tab-heading\">J<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-l\" href=\"#tab-77d776f69fd0993702c\"><h4 class=\"fusion-tab-heading\">L<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-m\" href=\"#tab-5824655cfe2c04e2361\"><h4 class=\"fusion-tab-heading\">M<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-o\" href=\"#tab-caacaa40ec1c7433aec\"><h4 class=\"fusion-tab-heading\">O<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-p\" href=\"#tab-367e6a4fe49b48a260b\"><h4 class=\"fusion-tab-heading\">P<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-q\" href=\"#tab-bad0a3251d975e6100e\"><h4 class=\"fusion-tab-heading\">Q<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-r\" href=\"#tab-fb3650826827d8c9043\"><h4 class=\"fusion-tab-heading\">R<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-s\" href=\"#tab-db21fce4662bcabfd63\"><h4 class=\"fusion-tab-heading\">S<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-t\" href=\"#tab-a9f506500bfa65e628d\"><h4 class=\"fusion-tab-heading\">T<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-u\" href=\"#tab-c2182fae83f79f1886a\"><h4 class=\"fusion-tab-heading\">U<\/h4><\/a><\/li><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"fusion-tab-v\" href=\"#tab-4618b4d9292d03b02ec\"><h4 class=\"fusion-tab-heading\">V<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li class=\"active\"><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-a\" href=\"#tab-7c38367ecfac5e31efa\"><h4 class=\"fusion-tab-heading\">A<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade in active\" id=\"tab-7c38367ecfac5e31efa\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-1 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-1 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-1\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#cba982d75749a5f35\" href=\"#cba982d75749a5f35\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ACIDENTE DE TRABALHO<\/div><\/a><\/h4><\/div><div id=\"cba982d75749a5f35\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Acidente que se verifique no local e no tempo de trabalho, no trajecto de ida ou regresso ao local de trabalho ou noutros locais directamente relacionados com o contrato de trabalho e do qual resulte les\u00e3o corporal, perturba\u00e7\u00e3o funcional ou doen\u00e7a que provoque redu\u00e7\u00e3o na capacidade de trabalho ou de ganho ou a morte.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#3b67902607b69389f\" href=\"#3b67902607b69389f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ADES\u00c3O COLECTIVA<\/div><\/a><\/h4><\/div><div id=\"3b67902607b69389f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Rela\u00e7\u00e3o contratual entre um ou v\u00e1rios associados e um fundo de pens\u00f5es aberto, concretizada atrav\u00e9s da subscri\u00e7\u00e3o de unidades de participa\u00e7\u00e3o do fundo de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#69401415173789bd7\" href=\"#69401415173789bd7\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ADES\u00c3O INDIVIDUAL<\/div><\/a><\/h4><\/div><div id=\"69401415173789bd7\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Rela\u00e7\u00e3o contratual entre um contribuinte e um fundo de pens\u00f5es aberto, concretizada atrav\u00e9s da subscri\u00e7\u00e3o de unidades de participa\u00e7\u00e3o do fundo de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#f35cbdd26e9ab588c\" href=\"#f35cbdd26e9ab588c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">AP\u00d3LICE DE SEGURO<\/div><\/a><\/h4><\/div><div id=\"f35cbdd26e9ab588c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Documento que cont\u00e9m as condi\u00e7\u00f5es do contrato de seguro acordadas pelas partes e que incluem as condi\u00e7\u00f5es gerais, especiais e particulares.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#0020ad6f48d35e1c8\" href=\"#0020ad6f48d35e1c8\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">AP\u00d3LICE UNIFORME<\/div><\/a><\/h4><\/div><div id=\"0020ad6f48d35e1c8\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de cl\u00e1usulas contratuais aprovadas pela Autoridade de Supervis\u00e3o de Seguros e Fundos de Pens\u00f5es para determinados seguros obrigat\u00f3rios, que devem ser respeitadas pelos seguradores na cobertura dos riscos em causa.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#f7682ac5e7e5126aa\" href=\"#f7682ac5e7e5126aa\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ARBITRAGEM<\/div><\/a><\/h4><\/div><div id=\"f7682ac5e7e5126aa\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Modalidade de resolu\u00e7\u00e3o extrajudicial de lit\u00edgios em que um terceiro interv\u00e9m de forma imparcial em rela\u00e7\u00e3o ao conflito, impondo uma solu\u00e7\u00e3o que tem a mesma for\u00e7a que uma senten\u00e7a proferida num tribunal judicial de primeira inst\u00e2ncia.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#e6c98b00d4753afe7\" href=\"#e6c98b00d4753afe7\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ASSOCIADO<\/div><\/a><\/h4><\/div><div id=\"e6c98b00d4753afe7\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Entidade cujos planos de pens\u00f5es ou de benef\u00edcios de sa\u00fade s\u00e3o financiados por um fundo de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#1e41a2ceb2f294ff4\" href=\"#1e41a2ceb2f294ff4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ATA ADICIONAL<\/div><\/a><\/h4><\/div><div id=\"1e41a2ceb2f294ff4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Documento que cont\u00e9m as altera\u00e7\u00f5es \u00e0s condi\u00e7\u00f5es de um contrato de seguro j\u00e1 existente.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#52b69f69f679499d1\" href=\"#52b69f69f679499d1\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ATIVOS<\/div><\/a><\/h4><\/div><div id=\"52b69f69f679499d1\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de bens e direitos (a\u00e7\u00f5es, obriga\u00e7\u00f5es, dep\u00f3sitos banc\u00e1rios, terrenos e edif\u00edcios, etc.) que podem fazer parte do patrim\u00f3nio de uma empresa de seguros ou de um fundo de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#62e27c35dbc8f3af6\" href=\"#62e27c35dbc8f3af6\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ATU\u00c1RIO<\/div><\/a><\/h4><\/div><div id=\"62e27c35dbc8f3af6\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>T\u00e9cnico especializado na aplica\u00e7\u00e3o de c\u00e1lculos estat\u00edsticos e matem\u00e1ticos a opera\u00e7\u00f5es financeiras no dom\u00ednio dos seguros e fundos de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#b23f28c6d08aea0e5\" href=\"#b23f28c6d08aea0e5\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ATU\u00c1RIO RESPONS\u00c1VEL<\/div><\/a><\/h4><\/div><div id=\"b23f28c6d08aea0e5\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Atu\u00e1rio certificado pela Autoridade de Supervis\u00e3o de Seguros e Fundos de Pens\u00f5es que assume a responsabilidade pela certifica\u00e7\u00e3o de determinados elementos de natureza financeira e prudencial no \u00e2mbito da atividade seguradora e fundos de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#63719db4e32e2ef15\" href=\"#63719db4e32e2ef15\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">AVALIA\u00c7\u00c3O ATUARIAL<\/div><\/a><\/h4><\/div><div id=\"63719db4e32e2ef15\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Estudo efetuado por um especialista na aplica\u00e7\u00e3o de metodologias atuariais, que pretende determinar as responsabilidades associadas a seguros ou planos de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-1\" data-target=\"#a300f40e53ffb38eb\" href=\"#a300f40e53ffb38eb\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">AVISO DE PAGAMENTO DE PR\u00c9MIO<\/div><\/a><\/h4><\/div><div id=\"a300f40e53ffb38eb\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Comunica\u00e7\u00e3o escrita, enviada pelo segurador ao tomador do seguro, para informar sobre o valor do pr\u00e9mio do seguro, a data limite e a forma do pagamento.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-b\" href=\"#tab-b2af61bfb7bb1accab2\"><h4 class=\"fusion-tab-heading\">B<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-b2af61bfb7bb1accab2\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-2 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-2 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-2\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-2\" data-target=\"#d2a5669e5849191d2\" href=\"#d2a5669e5849191d2\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">BENEFICI\u00c1RIO DE UM CONTRATO DE SEGURO<\/div><\/a><\/h4><\/div><div id=\"d2a5669e5849191d2\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa com direito \u00e0s presta\u00e7\u00f5es previstas no plano de pens\u00f5es ou no plano de benef\u00edcios de sa\u00fade.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-2\" data-target=\"#43b25fe44dd092ba1\" href=\"#43b25fe44dd092ba1\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">BENEFICI\u00c1RIO DE UM FUNDO DE PENS\u00d5ES<\/div><\/a><\/h4><\/div><div id=\"43b25fe44dd092ba1\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa com direito \u00e0s presta\u00e7\u00f5es previstas no plano de pens\u00f5es ou no plano de benef\u00edcios de sa\u00fade.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-2\" data-target=\"#3a7246871422bd61a\" href=\"#3a7246871422bd61a\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">BENEF\u00cdCIOS<\/div><\/a><\/h4><\/div><div id=\"3a7246871422bd61a\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>As pens\u00f5es ou capitais estabelecidos no plano de pens\u00f5es ou as despesas de sa\u00fade previstas no plano de benef\u00edcios de sa\u00fade a que t\u00eam direito os benefici\u00e1rios.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-2\" data-target=\"#539ab438531f42aa1\" href=\"#539ab438531f42aa1\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">BONIFICA\u00c7\u00c3O OU B\u00d3NUS<\/div><\/a><\/h4><\/div><div id=\"539ab438531f42aa1\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Diminui\u00e7\u00e3o do pr\u00e9mio na renova\u00e7\u00e3o do contrato de seguro, nas situa\u00e7\u00f5es fixadas na ap\u00f3lice (por exemplo, n\u00e3o terem ocorrido sinistros).<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-c\" href=\"#tab-b0a399505f1770d60ff\"><h4 class=\"fusion-tab-heading\">C<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-b0a399505f1770d60ff\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-3 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-3 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-3\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#c930a0e0d492b7fd7\" href=\"#c930a0e0d492b7fd7\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CAPITAL GARANTIDO<\/div><\/a><\/h4><\/div><div id=\"c930a0e0d492b7fd7\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Cl\u00e1usula contratual nos termos da qual o segurador se obriga a reembolsar o investimento no prazo acordado em montante n\u00e3o inferior \u00e0 totalidade do capital inicialmente investido.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#233be3e4a790c3e47\" href=\"#233be3e4a790c3e47\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CAPITAL SEGURO<\/div><\/a><\/h4><\/div><div id=\"233be3e4a790c3e47\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor m\u00e1ximo que o segurador paga em caso de sinistro, mesmo que o preju\u00edzo seja superior. Este valor \u00e9, normalmente, definido nas condi\u00e7\u00f5es particulares da ap\u00f3lice.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#eccddef91c5ebee13\" href=\"#eccddef91c5ebee13\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CAPITAL VARI\u00c1VEL<\/div><\/a><\/h4><\/div><div id=\"eccddef91c5ebee13\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Corresponde ao capital seguro no \u00e2mbito de um contrato de seguro ligado a fundos de investimento, cujo valor varia de acordo com o valor do fundo ou fundos a que o seguro est\u00e1 ligado.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#075339def0518cd00\" href=\"#075339def0518cd00\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CARTEIRA DE SEGUROS<\/div><\/a><\/h4><\/div><div id=\"075339def0518cd00\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de contratos de seguro em rela\u00e7\u00e3o aos quais o mediador de seguros exerce a actividade de media\u00e7\u00e3o e que lhe criam direitos e deveres para com seguradores e tomadores de seguros.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#d83578b6bdc63b807\" href=\"#d83578b6bdc63b807\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CERTIFICADO<\/div><\/a><\/h4><\/div><div id=\"d83578b6bdc63b807\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Documento que confirma que um contrato de seguro \u00e9 v\u00e1lido. Pode ser entregue pelo segurador ou por um mediador de seguros. A Carta Verde, por exemplo, \u00e9 um certificado espec\u00edfico do seguro autom\u00f3vel.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#29b3192a16a1308c9\" href=\"#29b3192a16a1308c9\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CERTIFICADO DE INVESTIMENTO<\/div><\/a><\/h4><\/div><div id=\"29b3192a16a1308c9\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de ativos detidos por uma empresa de seguros ou fundo de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#5c088dab87a22c1c0\" href=\"#5c088dab87a22c1c0\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COBERTURA OU GARANTIA<\/div><\/a><\/h4><\/div><div id=\"5c088dab87a22c1c0\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de situa\u00e7\u00f5es cuja verifica\u00e7\u00e3o determina a presta\u00e7\u00e3o do segurador ao abrigo do contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#3025ac92a0491d370\" href=\"#3025ac92a0491d370\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COIMA<\/div><\/a><\/h4><\/div><div id=\"3025ac92a0491d370\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>San\u00e7\u00e3o de natureza pecuni\u00e1ria que resulta de uma infra\u00e7\u00e3o (um ato ou omiss\u00e3o que n\u00e3o respeite a lei).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#792534f30ec8f00e7\" href=\"#792534f30ec8f00e7\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COMISS\u00c3O DE DEP\u00d3SITO<\/div><\/a><\/h4><\/div><div id=\"792534f30ec8f00e7\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Remunera\u00e7\u00e3o da entidade deposit\u00e1ria, pela presta\u00e7\u00e3o dos seus servi\u00e7os.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#61700dae1e58322e6\" href=\"#61700dae1e58322e6\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COMISS\u00c3O DE GEST\u00c3O<\/div><\/a><\/h4><\/div><div id=\"61700dae1e58322e6\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Remunera\u00e7\u00e3o da entidade gestora pelos servi\u00e7os de gest\u00e3o do fundo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#54d9c579d89e5531e\" href=\"#54d9c579d89e5531e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COMISS\u00c3O DE MEDIA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"54d9c579d89e5531e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Remunera\u00e7\u00e3o do mediador de seguros pela atividade de media\u00e7\u00e3o.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#923beb53578e45706\" href=\"#923beb53578e45706\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COMISS\u00c3O DE REEMBOLSO<\/div><\/a><\/h4><\/div><div id=\"923beb53578e45706\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Montante devido pelo participante quando solicita o reembolso dos valores investidos no fundo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#1f5432f48a1a0cd8b\" href=\"#1f5432f48a1a0cd8b\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COMISS\u00c3O DE SUBSCRI\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"1f5432f48a1a0cd8b\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Montante devido pelo associado ou contribuinte quando entregam uma contribui\u00e7\u00e3o para o fundo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#addef30a5550aca13\" href=\"#addef30a5550aca13\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COMISS\u00c3O DE TRANSFER\u00caNCIA<\/div><\/a><\/h4><\/div><div id=\"addef30a5550aca13\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Montante devido pelo participante caso solicite a transfer\u00eancia de valores de um fundo para outro fundo ou entidade gestora.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#67583e8c2008efa9f\" href=\"#67583e8c2008efa9f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONCILIA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"67583e8c2008efa9f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Modalidade extrajudicial de resolu\u00e7\u00e3o de lit\u00edgios, atrav\u00e9s da qual um terceiro imparcial em rela\u00e7\u00e3o ao conflito conduz a negocia\u00e7\u00e3o entre as partes, estimulando uma ou v\u00e1rias solu\u00e7\u00f5es para o conflito e propondo plataformas de entendimento comum que possibilitem o acordo entre as partes.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#433292f1e8767b312\" href=\"#433292f1e8767b312\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONDI\u00c7\u00d5ES ESPECIAIS<\/div><\/a><\/h4><\/div><div id=\"433292f1e8767b312\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Disposi\u00e7\u00f5es que completam ou especificam as condi\u00e7\u00f5es gerais, sendo de aplica\u00e7\u00e3o generalizada a determinados contratos do mesmo tipo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#d5c62c2e9310ef325\" href=\"#d5c62c2e9310ef325\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONDI\u00c7\u00d5ES GERAIS<\/div><\/a><\/h4><\/div><div id=\"d5c62c2e9310ef325\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Disposi\u00e7\u00f5es contratuais, habitualmente pr\u00e9-elaboradas, definindo o enquadramento e os princ\u00edpios gerais do contrato, aplicando-se a todos os contratos inerentes a um mesmo ramo, modalidade ou opera\u00e7\u00e3o.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#711f9f04106147feb\" href=\"#711f9f04106147feb\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONDI\u00c7\u00d5ES PARTICULARES<\/div><\/a><\/h4><\/div><div id=\"711f9f04106147feb\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Cl\u00e1usulas que s\u00e3o acrescentadas \u00e0s condi\u00e7\u00f5es gerais\/especiais de um contrato, para o adaptar a um caso particular, precisando nomeadamente o risco coberto, a dura\u00e7\u00e3o e o in\u00edcio do contrato, o capital seguro, o pr\u00e9mio, o tomador do seguro, o segurado e o benefici\u00e1rio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#d7c0d7e85d2eb0cd4\" href=\"#d7c0d7e85d2eb0cd4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONTRAORDENA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"d7c0d7e85d2eb0cd4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Corresponde a uma infra\u00e7\u00e3o (um ato ou omiss\u00e3o que n\u00e3o respeite a lei) cuja puni\u00e7\u00e3o est\u00e1 prevista por lei com a aplica\u00e7\u00e3o de uma coima, ou seja, de uma san\u00e7\u00e3o de natureza pecuni\u00e1ria.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#ba534c70b84b5a779\" href=\"#ba534c70b84b5a779\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONTRATO DE SEGURO<\/div><\/a><\/h4><\/div><div id=\"ba534c70b84b5a779\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador assume a cobertura de determinados riscos, comprometendo-se a satisfazer as indemniza\u00e7\u00f5es ou a pagar o capital seguro em caso de ocorr\u00eancia do sinistro, nos termos acordados.Em contrapartida, o tomador do seguro obriga-se a pagar o pr\u00e9mio correspondente.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#1a2198b7431b32020\" href=\"#1a2198b7431b32020\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONTRIBUI\u00c7\u00d5ES<\/div><\/a><\/h4><\/div><div id=\"1a2198b7431b32020\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valores pagos ao fundo para financiamento de um plano de pens\u00f5es ou de um plano de benef\u00edcios de sa\u00fade.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#305b42c0553d0354b\" href=\"#305b42c0553d0354b\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CONTRIBUINTE<\/div><\/a><\/h4><\/div><div id=\"305b42c0553d0354b\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa que contribui para o fundo de pens\u00f5es ou entidade que contribui em nome e a favor do participante.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#06ee6f57b9ced4bc4\" href=\"#06ee6f57b9ced4bc4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">CORRETOR DE SEGUROS<\/div><\/a><\/h4><\/div><div id=\"06ee6f57b9ced4bc4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Mediador independente que, para aconselhar de forma imparcial, analisa diversos seguros existentes no mercado e selecciona os que melhor se adaptam \u00e0s necessidades do cliente.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#a1123350b97f8413b\" href=\"#a1123350b97f8413b\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COSSEGURADOR<\/div><\/a><\/h4><\/div><div id=\"a1123350b97f8413b\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Segurador que participa num cosseguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-3\" data-target=\"#c4cb95f44647aa8b5\" href=\"#c4cb95f44647aa8b5\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">COSSEGURO<\/div><\/a><\/h4><\/div><div id=\"c4cb95f44647aa8b5\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Opera\u00e7\u00e3o pela qual diversos seguradores cobrem, de forma conjunta, um risco atrav\u00e9s de um contrato de seguro \u00fanico, com as mesmas garantias e id\u00eantico per\u00edodo de dura\u00e7\u00e3o e com um pr\u00e9mio global.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-d\" href=\"#tab-79ac454b0e7d3f2f7f7\"><h4 class=\"fusion-tab-heading\">D<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-79ac454b0e7d3f2f7f7\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-4 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-4 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-4\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-4\" data-target=\"#99f31cc6fa8b15200\" href=\"#99f31cc6fa8b15200\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">DANO<\/div><\/a><\/h4><\/div><div id=\"99f31cc6fa8b15200\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Preju\u00edzo sofrido por algu\u00e9m. O dano pode ser causado por perda, destrui\u00e7\u00e3o ou avaria de bens ou por les\u00e3o que afecte a sa\u00fade f\u00edsica ou mental de uma pessoa.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-4\" data-target=\"#dc20b17108a6291a3\" href=\"#dc20b17108a6291a3\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">DANO CORPORAL<\/div><\/a><\/h4><\/div><div id=\"dc20b17108a6291a3\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Dano relativo \u00e0 vida, \u00e0 sa\u00fade ou \u00e0 integridade f\u00edsica de uma pessoa.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-4\" data-target=\"#81e610714545f2891\" href=\"#81e610714545f2891\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">DANO MATERIAL<\/div><\/a><\/h4><\/div><div id=\"81e610714545f2891\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Preju\u00edzo causado a coisas, bens materiais, cr\u00e9ditos e quaisquer outros direitos patrimoniais.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-4\" data-target=\"#aedc49ee532b6b29f\" href=\"#aedc49ee532b6b29f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">DECLARA\u00c7\u00c3O AMIG\u00c1VEL DE ACIDENTE AUTOM\u00d3VEL (DAAA)<\/div><\/a><\/h4><\/div><div id=\"aedc49ee532b6b29f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Impresso a preencher em caso de acidente autom\u00f3vel. Destina-se a recolher certas informa\u00e7\u00f5es indispens\u00e1veis \u00e0 regulariza\u00e7\u00e3o do sinistro pelos seguradores e a fazer a participa\u00e7\u00e3o do acidente. Este impresso, sempre que poss\u00edvel, deve ser preenchido imediatamente no pr\u00f3prio local do acidente e assinado por ambas as partes. \u00c9 um elemento indispens\u00e1vel \u00e0 aplica\u00e7\u00e3o do sistema de indemniza\u00e7\u00e3o directa ao segurado (IDS).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-4\" data-target=\"#0a07031b820f5ea5a\" href=\"#0a07031b820f5ea5a\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">DEPOSIT\u00c1RIO<\/div><\/a><\/h4><\/div><div id=\"0a07031b820f5ea5a\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Institui\u00e7\u00e3o de cr\u00e9dito ou empresa de investimento na qual se encontram depositados os t\u00edtulos e os outros documentos representativos dos valores mobili\u00e1rios (ac\u00e7\u00f5es, obriga\u00e7\u00f5es, unidades de participa\u00e7\u00e3o em fundos de investimento, etc.) detidos pelo fundo de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-4\" data-target=\"#971f0ff49ed822543\" href=\"#971f0ff49ed822543\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">DOEN\u00c7A PREEXISTENTE<\/div><\/a><\/h4><\/div><div id=\"971f0ff49ed822543\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Doen\u00e7a que j\u00e1 existia \u00e0 data em que o seguro foi celebrado.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-e\" href=\"#tab-66a8aa660cba1a3439b\"><h4 class=\"fusion-tab-heading\">E<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-66a8aa660cba1a3439b\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-5 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-5 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-5\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-5\" data-target=\"#f84791f3e0cc42647\" href=\"#f84791f3e0cc42647\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">EMPRESA DE SEGUROS<\/div><\/a><\/h4><\/div><div id=\"f84791f3e0cc42647\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Entidade legalmente autorizada a exercer a atividade seguradora e que \u00e9 parte no contrato de seguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-5\" data-target=\"#e39963aba3e073122\" href=\"#e39963aba3e073122\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ENCARGOS DE FRACIONAMENTO<\/div><\/a><\/h4><\/div><div id=\"e39963aba3e073122\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor que acresce ao pr\u00e9mio caso o tomador do seguro opte por pag\u00e1-lo em presta\u00e7\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-5\" data-target=\"#27e925aa857ce0a63\" href=\"#27e925aa857ce0a63\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ENTIDADE GESTORA<\/div><\/a><\/h4><\/div><div id=\"27e925aa857ce0a63\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Entidade que gere o fundo de pens\u00f5es.Pode ser uma sociedade constitu\u00edda exclusivamente para esse fim (sociedade gestora de fundos de pens\u00f5es) ou um segurador do ramo Vida.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-5\" data-target=\"#8ea93235f294462c6\" href=\"#8ea93235f294462c6\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">ESTORNO DE PR\u00c9MIO<\/div><\/a><\/h4><\/div><div id=\"8ea93235f294462c6\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Devolu\u00e7\u00e3o, ao tomador do seguro, de uma parte do pr\u00e9mio j\u00e1 pago, nomeadamente no caso do contrato de seguro cessar antes do seu termo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-5\" data-target=\"#813a8c56ec12f177d\" href=\"#813a8c56ec12f177d\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">EXCLUS\u00c3O<\/div><\/a><\/h4><\/div><div id=\"813a8c56ec12f177d\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Cl\u00e1usula de um contrato de seguro que procede \u00e0 delimita\u00e7\u00e3o negativa do \u00e2mbito da cobertura, isto \u00e9, define aquilo que o seguro n\u00e3o cobre.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-f\" href=\"#tab-a2fe63e041114d56fd5\"><h4 class=\"fusion-tab-heading\">F<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-a2fe63e041114d56fd5\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-6 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-6 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-6\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-6\" data-target=\"#45373c5f735d4d22a\" href=\"#45373c5f735d4d22a\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">FRACIONAMENTO DO PR\u00c9MIO<\/div><\/a><\/h4><\/div><div id=\"45373c5f735d4d22a\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Op\u00e7\u00e3o conferida pelo segurador ao tomador do seguro de dividir o pagamento do pr\u00e9mio em presta\u00e7\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-6\" data-target=\"#239dc509cafd52383\" href=\"#239dc509cafd52383\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">FRANQUIA<\/div><\/a><\/h4><\/div><div id=\"239dc509cafd52383\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Parte do valor dos danos que fica a cargo do tomador do seguro ou segurado.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-6\" data-target=\"#3393feb7954cb3f3c\" href=\"#3393feb7954cb3f3c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">FUNDO DE INVESTIMENTO<\/div><\/a><\/h4><\/div><div id=\"3393feb7954cb3f3c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Patrim\u00f3nio aut\u00f3nomo que tem como fim o investimento coletivo de capitais obtidos junto do p\u00fablico. Designam-se por fundos de investimento mobili\u00e1rio os fundos que efetuam as suas aplica\u00e7\u00f5es em valores mobili\u00e1rios (a\u00e7\u00f5es, obriga\u00e7\u00f5es, t\u00edtulos de participa\u00e7\u00e3o, etc.) e por fundos de investimento imobili\u00e1rio, aqueles que efetuam as suas aplica\u00e7\u00f5es em bens im\u00f3veis (terrenos e edif\u00edcios).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-6\" data-target=\"#c6ec0211727fc5fa5\" href=\"#c6ec0211727fc5fa5\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">FUNDO DE PENS\u00d5ES<\/div><\/a><\/h4><\/div><div id=\"c6ec0211727fc5fa5\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Patrim\u00f3nio aut\u00f3nomo que financia um ou mais planos de pens\u00f5es ou de benef\u00edcios de sa\u00fade.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-6\" data-target=\"#85c08429072a35b07\" href=\"#85c08429072a35b07\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">FUNDO DE PENS\u00d5ES ABERTO<\/div><\/a><\/h4><\/div><div id=\"85c08429072a35b07\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Fundo de pens\u00f5es em que a ades\u00e3o depende unicamente de aceita\u00e7\u00e3o pela entidade gestora, n\u00e3o sendo necess\u00e1rio qualquer v\u00ednculo entre os diferentes aderentes. A ades\u00e3o pode ser individual ou colectiva.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-6\" data-target=\"#4f18997af7634aac0\" href=\"#4f18997af7634aac0\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">FUNDO DE PENS\u00d5ES FECHADO<\/div><\/a><\/h4><\/div><div id=\"4f18997af7634aac0\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Fundo de pens\u00f5es que diz respeito a apenas um associado ou, envolvendo v\u00e1rios associados, se existir um v\u00ednculo empresarial, associativo, profissional ou social entre eles e for necess\u00e1rio o seu acordo para a entrada de novos associados.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-6\" data-target=\"#dfacee9ced25a6d5f\" href=\"#dfacee9ced25a6d5f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">Your Content Goes Here<\/div><\/a><\/h4><\/div><div id=\"dfacee9ced25a6d5f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">Your Content Goes Here<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-g\" href=\"#tab-8d0308aae8e5e8a1e59\"><h4 class=\"fusion-tab-heading\">G<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-8d0308aae8e5e8a1e59\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-7 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-7 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-7\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-7\" data-target=\"#fc85077d38a3c14f4\" href=\"#fc85077d38a3c14f4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">GABINETE PORTUGU\u00caS DE CARTA VERDE<\/div><\/a><\/h4><\/div><div id=\"fc85077d38a3c14f4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Associa\u00e7\u00e3o que mediante uma conven\u00e7\u00e3o com Gabinetes de outros pa\u00edses com a mesma natureza, tem entre os principais objectivos o de assegurar os leg\u00edtimos direitos de v\u00edtimas de acidentes de via\u00e7\u00e3o ocorridos em Portugal e que sejam da responsabilidade de seguradores de outros pa\u00edses.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-7\" data-target=\"#16bb9817128d3ee7d\" href=\"#16bb9817128d3ee7d\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">GEST\u00c3O DE RECLAMA\u00c7\u00d5ES<\/div><\/a><\/h4><\/div><div id=\"16bb9817128d3ee7d\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Fun\u00e7\u00e3o de que todas as empresas de seguros devem dispor, para tratamento das reclama\u00e7\u00f5es apresentadas.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-i\" href=\"#tab-ce2082f68f91b8dec52\"><h4 class=\"fusion-tab-heading\">I<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-ce2082f68f91b8dec52\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-8 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-8 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-8\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-8\" data-target=\"#5ee4b499f9a04eb2f\" href=\"#5ee4b499f9a04eb2f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">INDEMNIZA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"5ee4b499f9a04eb2f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Presta\u00e7\u00e3o devida pelo segurador para reparar um dano resultante de uma situa\u00e7\u00e3o coberta pela ap\u00f3lice. A indemniza\u00e7\u00e3o pode ser: a repara\u00e7\u00e3o de um bem (por exemplo o arranjo de um autom\u00f3vel); a substitui\u00e7\u00e3o de um bem por outro ou o pagamento do seu valor em dinheiro; um valor definido no contrato (por exemplo, um valor por cada dia em que n\u00e3o foi poss\u00edvel usar o autom\u00f3vel); uma renda ou pens\u00e3o.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-8\" data-target=\"#5c71d8125df9d7da7\" href=\"#5c71d8125df9d7da7\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">INDEMNIZA\u00c7\u00c3O DIRETA AO SEGURADO (IDS)<\/div><\/a><\/h4><\/div><div id=\"5c71d8125df9d7da7\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Acordo celebrado entre a maioria dos seguradores do mercado portugu\u00eas, que permite que o tomador do seguro, no \u00e2mbito do seguro autom\u00f3vel, resolva o sinistro junto do pr\u00f3prio segurador, o qual pagar\u00e1 directamente ao seu segurado os preju\u00edzos, evitando que este tenha de contactar o segurador do terceiro respons\u00e1vel. O acordo \u00e9 aplic\u00e1vel a acidentes ocorridos em Portugal, onde intervenham apenas dois ve\u00edculos com seguro v\u00e1lido e donde resultem apenas danos materiais inferiores a determinado montante. \u00c9 ainda necess\u00e1rio que a Declara\u00e7\u00e3o Amig\u00e1vel de Acidente Autom\u00f3vel (DAAA) se encontre devidamente preenchida e assinada por ambos os condutores.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-8\" data-target=\"#e95d904ee7edebb0d\" href=\"#e95d904ee7edebb0d\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">IN\u00cdCIO DO CONTRATO<\/div><\/a><\/h4><\/div><div id=\"e95d904ee7edebb0d\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Data em que um contrato de seguro come\u00e7a a produzir efeitos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-8\" data-target=\"#d81c80957a6632cd1\" href=\"#d81c80957a6632cd1\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">INSTRUMENTO DE CAPTA\u00c7\u00c3O DE AFORRO ESTRUTURADO (ICAE)<\/div><\/a><\/h4><\/div><div id=\"d81c80957a6632cd1\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Designa\u00e7\u00e3o que caracteriza o conjunto de produtos financeiros cuja rendibilidade depende da evolu\u00e7\u00e3o do valor de outros instrumentos financeiros. O risco de investimento \u00e9 assumido, total ou parcialmente, pelo investidor.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-8\" data-target=\"#2c65ef299a4a3d38c\" href=\"#2c65ef299a4a3d38c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">INSTRUMENTO FINANCEIRO<\/div><\/a><\/h4><\/div><div id=\"2c65ef299a4a3d38c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>T\u00edtulo ou contrato que estabelece direitos e obriga\u00e7\u00f5es de natureza financeira. Inclui valores mobili\u00e1rios, tais como ac\u00e7\u00f5es, obriga\u00e7\u00f5es e unidades de participa\u00e7\u00e3o em fundos de investimento e instrumentos do mercado monet\u00e1rio, tais como certificados de dep\u00f3sito e papel comercial.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-j\" href=\"#tab-91235808f92e9084033\"><h4 class=\"fusion-tab-heading\">J<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-91235808f92e9084033\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-9 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-9 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-9\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-9\" data-target=\"#8db9b131ee480fa71\" href=\"#8db9b131ee480fa71\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">JUSTA CAUSA<\/div><\/a><\/h4><\/div><div id=\"8db9b131ee480fa71\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Raz\u00e3o aceit\u00e1vel \u00e0 luz das regras legais e contratuais do caso em concreto.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-l\" href=\"#tab-77d776f69fd0993702c\"><h4 class=\"fusion-tab-heading\">L<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-77d776f69fd0993702c\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-10 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-10 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-10\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-10\" data-target=\"#dd13ba07d7a2d04d4\" href=\"#dd13ba07d7a2d04d4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">LIVRE RESOLU\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"dd13ba07d7a2d04d4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Possibilidade de desistir do contrato de seguro sem necessitar de invocar um motivo.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-m\" href=\"#tab-5824655cfe2c04e2361\"><h4 class=\"fusion-tab-heading\">M<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-5824655cfe2c04e2361\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-11 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-11 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-11\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-11\" data-target=\"#7e097d86788d49760\" href=\"#7e097d86788d49760\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">MEDIA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"7e097d86788d49760\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Modalidade extrajudicial de resolu\u00e7\u00e3o de lit\u00edgios, de car\u00e1cter informal, em que as partes s\u00e3o auxiliadas por um mediador a encontrar, por si pr\u00f3prias, uma solu\u00e7\u00e3o negociada para o conflito que as op\u00f5e.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-11\" data-target=\"#91cc1fe11a3224905\" href=\"#91cc1fe11a3224905\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">MEDIA\u00c7\u00c3O DE SEGUROS<\/div><\/a><\/h4><\/div><div id=\"91cc1fe11a3224905\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Atividade que consiste em: apresentar ou propor um contrato de seguro ou praticar outro ato que prepare a sua celebra\u00e7\u00e3o; celebrar o contrato (quando o mediador tenha poderes para o efeito); apoiar a gest\u00e3o e execu\u00e7\u00e3o do contrato, em especial em caso de sinistro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-11\" data-target=\"#8a96a9914a96308af\" href=\"#8a96a9914a96308af\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">MEDIADOR DE SEGUROS<\/div><\/a><\/h4><\/div><div id=\"8a96a9914a96308af\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Qualquer pessoa ou entidade que exer\u00e7a, mediante remunera\u00e7\u00e3o, a actividade de media\u00e7\u00e3o de seguros e se encontre inscrito como mediador na Autoridade de Supervis\u00e3o de Seguros e Fundos de Pens\u00f5es. Pode faz\u00ea-lo por conta de um ou v\u00e1rios seguradores ou de forma independente.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-11\" data-target=\"#bfd80fff8863fe379\" href=\"#bfd80fff8863fe379\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">MEIOS ALTERNATIVOS DE RESOLU\u00c7\u00c3O DE LIT\u00cdGIOS<\/div><\/a><\/h4><\/div><div id=\"bfd80fff8863fe379\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Formas de resolver conflitos sem recorrer aos tribunais.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-o\" href=\"#tab-caacaa40ec1c7433aec\"><h4 class=\"fusion-tab-heading\">O<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-caacaa40ec1c7433aec\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-12 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-12 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-12\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-12\" data-target=\"#b211cd8c6a5863429\" href=\"#b211cd8c6a5863429\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">OPERA\u00c7\u00c3O DE CAPITALIZA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"b211cd8c6a5863429\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual um segurador do ramo Vida se compromete a pagar um determinado capital no final do contrato.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-p\" href=\"#tab-367e6a4fe49b48a260b\"><h4 class=\"fusion-tab-heading\">P<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-367e6a4fe49b48a260b\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-13 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-13 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-13\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#30ecdbc63b4f9da02\" href=\"#30ecdbc63b4f9da02\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PARTICIPA\u00c7\u00c3O DE SINISTRO<\/div><\/a><\/h4><\/div><div id=\"30ecdbc63b4f9da02\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Comunica\u00e7\u00e3o, pelo tomador do seguro, segurado ou benefici\u00e1rio ao segurador, sobre a ocorr\u00eancia de um sinistro, no \u00e2mbito do contrato de seguro. A participa\u00e7\u00e3o deve conter todas as informa\u00e7\u00f5es importantes para a an\u00e1lise e avalia\u00e7\u00e3o do sinistro, nomeadamente, indicar as causas, a data e o local do acontecimento e os preju\u00edzos sofridos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#d9e739fb77f386871\" href=\"#d9e739fb77f386871\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PARTICIPA\u00c7\u00c3O NOS RESULTADOS<\/div><\/a><\/h4><\/div><div id=\"d9e739fb77f386871\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Direito do tomador do seguro, segurado ou benefici\u00e1rio de receber parte dos resultados gerados pelo contrato de seguro. Considera-se atribu\u00edda quando \u00e9 calculada para o conjunto de contratos, mas n\u00e3o individualizada. Considera-se distribu\u00edda quando \u00e9 afetada a cada contrato individual.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#0b05fb90044556466\" href=\"#0b05fb90044556466\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PARTICIPANTE<\/div><\/a><\/h4><\/div><div id=\"0b05fb90044556466\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa cuja situa\u00e7\u00e3o pessoal ou profissional determina a defini\u00e7\u00e3o dos direitos previstos no plano de pens\u00f5es ou no plano de benef\u00edcios de sa\u00fade, independentemente de contribuir ou n\u00e3o para o fundo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#183dd0390b06383f5\" href=\"#183dd0390b06383f5\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PERDA TOTAL<\/div><\/a><\/h4><\/div><div id=\"183dd0390b06383f5\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Situa\u00e7\u00e3o em que de um sinistro decorrem danos cuja gravidade impede a repara\u00e7\u00e3o do bem seguro ou a tornam demasiado onerosa. No seguro autom\u00f3vel, considera-se que tamb\u00e9m existe perda total quando o valor estimado para a repara\u00e7\u00e3o dos danos sofridos, adicionado do valor do salvado, ultrapasse 100% do valor venal do ve\u00edculo com menos de dois anos ou ultrapasse 120% do valor venal do ve\u00edculo com mais de dois anos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#5e7113d9c4717e4ad\" href=\"#5e7113d9c4717e4ad\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PER\u00cdODO DE CAR\u00caNCIA<\/div><\/a><\/h4><\/div><div id=\"5e7113d9c4717e4ad\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Per\u00edodo entre o in\u00edcio do contrato de seguro e uma determinada data, no qual certas coberturas n\u00e3o se encontram ainda a produzir efeitos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#c33ca5173142e395e\" href=\"#c33ca5173142e395e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PERITO REGULARIZADOR DE SINISTROS<\/div><\/a><\/h4><\/div><div id=\"c33ca5173142e395e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Especialista com qualifica\u00e7\u00e3o para avaliar os danos ocorridos na sequ\u00eancia de um sinistro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#3a3c62608cd27d609\" href=\"#3a3c62608cd27d609\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PESSOA SEGURA<\/div><\/a><\/h4><\/div><div id=\"3a3c62608cd27d609\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa cuja vida, sa\u00fade ou integridade f\u00edsica se segura.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#ca461318c2736ee97\" href=\"#ca461318c2736ee97\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PLANO CONTRIBUTIVO<\/div><\/a><\/h4><\/div><div id=\"ca461318c2736ee97\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Plano de pens\u00f5es em que existem contribui\u00e7\u00f5es dos participantes.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#6a3dd96fd7b58412f\" href=\"#6a3dd96fd7b58412f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PLANO DE BENEF\u00cdCIOS DE SA\u00daDE<\/div><\/a><\/h4><\/div><div id=\"6a3dd96fd7b58412f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Programa que define as condi\u00e7\u00f5es para pagamento ou reembolso de despesas de sa\u00fade dos benefici\u00e1rios, ap\u00f3s a pr\u00e9-reforma, reforma antecipada, reforma por velhice, reforma por invalidez ou sobreviv\u00eancia.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#88935dc6fa6f09615\" href=\"#88935dc6fa6f09615\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PLANO DE PENS\u00d5ES<\/div><\/a><\/h4><\/div><div id=\"88935dc6fa6f09615\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Programa que define as condi\u00e7\u00f5es para receber uma pens\u00e3o por: pr\u00e9-reforma; reforma antecipada; reforma por velhice; reforma por invalidez; sobreviv\u00eancia. O plano de pens\u00f5es define: as pens\u00f5es a que os benefici\u00e1rios podem ter direito; as condi\u00e7\u00f5es para receber uma pens\u00e3o; a forma como \u00e9 calculado o seu valor.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#7d52006477876d3f8\" href=\"#7d52006477876d3f8\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PLANO DE POUPAN\u00c7A<\/div><\/a><\/h4><\/div><div id=\"7d52006477876d3f8\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Produto de poupan\u00e7a de m\u00e9dio ou longo prazo, que pode contribuir para complementar a reforma ou para financiar a educa\u00e7\u00e3o do participante ou da sua fam\u00edlia.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#cd7a91efe0157aa9c\" href=\"#cd7a91efe0157aa9c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">POL\u00cdTICA DE FINANCIAMENTO<\/div><\/a><\/h4><\/div><div id=\"cd7a91efe0157aa9c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de regras e princ\u00edpios estabelecidos entre o associado e a entidade gestora do fundo de pens\u00f5es que determinam a forma como s\u00e3o financiadas as responsabilidades assumidas pelo associado no \u00e2mbito do plano de pens\u00f5es ou plano de benef\u00edcios de sa\u00fade.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#26a50efbfae213562\" href=\"#26a50efbfae213562\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">POL\u00cdTICA DE INVESTIMENTO<\/div><\/a><\/h4><\/div><div id=\"26a50efbfae213562\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de regras e princ\u00edpios que orientam a estrat\u00e9gia seguida pelo fundo de pens\u00f5es em mat\u00e9ria de escolha dos ativos, incluindo os limites de investimento nos diferentes tipos de ativos, os m\u00e9todos de avalia\u00e7\u00e3o do risco de investimento e as t\u00e9cnicas aplic\u00e1veis \u00e0 respetiva gest\u00e3o.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#b968816718917bd6e\" href=\"#b968816718917bd6e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c1TICA COMERCIAL AGRESSIVA<\/div><\/a><\/h4><\/div><div id=\"b968816718917bd6e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pr\u00e1tica comercial desleal que reduz claramente a liberdade de escolha do consumidor, recorrendo: ao ass\u00e9dio (incomodar com insist\u00eancia o consumidor); \u00e0 coac\u00e7\u00e3o (for\u00e7ar a vontade do consumidor); \u00e0 influ\u00eancia indevida (levar, de forma inadequada, o consumidor a escolher ou a tomar uma decis\u00e3o).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#d460f13fa7197161c\" href=\"#d460f13fa7197161c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c1TICA COMERCIAL DESLEAL<\/div><\/a><\/h4><\/div><div id=\"d460f13fa7197161c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>\u00c9 desleal qualquer pr\u00e1tica comercial n\u00e3o conforme com a dilig\u00eancia (compet\u00eancia e deveres de cuidado) exigida a um profissional e que distor\u00e7a ou possa distorcer o comportamento do consumidor. Ou seja, que o fa\u00e7a ou possa fazer tomar uma decis\u00e3o que n\u00e3o tomaria se n\u00e3o fosse utilizada tal pr\u00e1tica.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#1fdab76da5b9723d3\" href=\"#1fdab76da5b9723d3\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c1TICA COMERCIAL ENGANOSA<\/div><\/a><\/h4><\/div><div id=\"1fdab76da5b9723d3\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pr\u00e1tica comercial desleal que induz ou pode induzir o consumidor ao erro, levando-o a tomar uma decis\u00e3o de compra ou aquisi\u00e7\u00e3o que, de outro modo, n\u00e3o tomaria.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#3007b99f6a1b2191e\" href=\"#3007b99f6a1b2191e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c9MIO<\/div><\/a><\/h4><\/div><div id=\"3007b99f6a1b2191e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor total, incluindo taxas e impostos, que o tomador do seguro deve pagar ao segurador pelo seguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#cf94ee78ea074f71e\" href=\"#cf94ee78ea074f71e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c9MIO BRUTO<\/div><\/a><\/h4><\/div><div id=\"cf94ee78ea074f71e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor do pr\u00e9mio comercial acrescido dos custos de emiss\u00e3o do contrato. Estes podem incluir o custo da ap\u00f3lice, de atas adicionais, de certificados de seguro e de fracionamento do pr\u00e9mio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#f7cf6e0e22cfbbbfb\" href=\"#f7cf6e0e22cfbbbfb\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c9MIO COMERCIAL<\/div><\/a><\/h4><\/div><div id=\"f7cf6e0e22cfbbbfb\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Custo das coberturas do contrato, acrescido de outros custos, nomeadamente de aquisi\u00e7\u00e3o e de administra\u00e7\u00e3o do contrato, bem como de gest\u00e3o e de cobran\u00e7a.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#5c6a31e5646b77499\" href=\"#5c6a31e5646b77499\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c9MIO INDEXADO<\/div><\/a><\/h4><\/div><div id=\"5c6a31e5646b77499\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor a pagar pelo seguro que varia automaticamente em fun\u00e7\u00e3o de um pre\u00e7o base ou de um \u00edndice representativo da evolu\u00e7\u00e3o do valor de certos bens ou servi\u00e7os (por exemplo, o \u00cdndice de Pre\u00e7os no Consumidor).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#be44be17fca094213\" href=\"#be44be17fca094213\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PR\u00c9MIO VARI\u00c1VEL<\/div><\/a><\/h4><\/div><div id=\"be44be17fca094213\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor a pagar pelo seguro, que varia automaticamente em fun\u00e7\u00e3o de certos aspectos concretos previstos no contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#90c29a9e01551b609\" href=\"#90c29a9e01551b609\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PROPOSTA DE SEGURO<\/div><\/a><\/h4><\/div><div id=\"90c29a9e01551b609\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Documento atrav\u00e9s do qual o tomador do seguro expressa a vontade de celebrar o contrato de seguro e d\u00e1 a conhecer ao segurador o risco que pretende segurar.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#3e9cfe8649416853c\" href=\"#3e9cfe8649416853c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PROPOSTA RAZO\u00c1VEL<\/div><\/a><\/h4><\/div><div id=\"3e9cfe8649416853c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conceito utilizado na regulariza\u00e7\u00e3o de sinistros no \u00e2mbito do seguro de responsabilidade civil autom\u00f3vel, nos termos do qual o segurador que assumiu a responsabilidade pela repara\u00e7\u00e3o do dano deve apresentar ao terceiro lesado uma proposta de indemniza\u00e7\u00e3o que seja equilibrada face aos danos sofridos, sob pena de pagamento de juros no dobro da taxa legal prevista na lei e ainda de se sujeitar a uma san\u00e7\u00e3o pecuni\u00e1ria.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#cbaeeefeaf495d81c\" href=\"#cbaeeefeaf495d81c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PRORROGA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"cbaeeefeaf495d81c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Prolongamento de um contrato de seguro para al\u00e9m do seu prazo inicial de dura\u00e7\u00e3o e por igual per\u00edodo, desde que nenhuma das partes se oponha.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-13\" data-target=\"#a667cef40292e4a48\" href=\"#a667cef40292e4a48\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">PROVIS\u00d5ES T\u00c9CNICAS<\/div><\/a><\/h4><\/div><div id=\"a667cef40292e4a48\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Montante que a empresa de seguros deve contabilizar e financiar adequadamente e ser suficiente para fazer face \u00e0s responsabilidades resultantes dos contratos de seguro.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-q\" href=\"#tab-bad0a3251d975e6100e\"><h4 class=\"fusion-tab-heading\">Q<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-bad0a3251d975e6100e\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-14 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-14 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-14\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-14\" data-target=\"#9c1a2cb89790aebf9\" href=\"#9c1a2cb89790aebf9\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">QUESTION\u00c1RIO DE SEGURO<\/div><\/a><\/h4><\/div><div id=\"9c1a2cb89790aebf9\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Documento frequentemente anexo pelo segurador \u00e0 proposta de seguro, destinado a recolher informa\u00e7\u00f5es do tomador do seguro e\/ou do segurado necess\u00e1rias para o segurador avaliar o risco que se quer segurar.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-r\" href=\"#tab-fb3650826827d8c9043\"><h4 class=\"fusion-tab-heading\">R<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-fb3650826827d8c9043\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-15 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-15 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-15\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#27bdef83c405e24e9\" href=\"#27bdef83c405e24e9\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RAMO DE SEGURO<\/div><\/a><\/h4><\/div><div id=\"27bdef83c405e24e9\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Classifica\u00e7\u00e3o legal dos seguros, de acordo com a sua natureza. Por exemplo, ramo Vida e ramos n\u00e3o Vida (ramo doen\u00e7a, ramo inc\u00eandio e elementos da natureza, ramo responsabilidade civil geral, etc.).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#d29151e6a0bace8d3\" href=\"#d29151e6a0bace8d3\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REDU\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"d29151e6a0bace8d3\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Possibilidade prevista em algumas das modalidades de seguro de vida de transforma\u00e7\u00e3o do contrato de seguro acompanhada da redu\u00e7\u00e3o da presta\u00e7\u00e3o do segurador, designadamente no caso de falta de pagamento de parte do pr\u00e9mio do seguro convencionado.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#fb689fbba7d1a881c\" href=\"#fb689fbba7d1a881c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REGRA PROPORCIONAL<\/div><\/a><\/h4><\/div><div id=\"fb689fbba7d1a881c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Regra do contrato de seguro que se aplica em caso de subseguro, ou seja, quando um bem \u00e9 segurado por um valor inferior ao seu valor real. Segundo a regra proporcional, o segurador s\u00f3 paga uma parte dos preju\u00edzos proporcional \u00e0 rela\u00e7\u00e3o entre o valor segurado e o valor comercial do bem \u00e0 data do sinistro. Por exemplo, se um bem valer 200\u20ac mas estiver segurado por 100\u20ac, o segurador s\u00f3 paga 50% do valor dos danos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#9fd15731a4a8e0592\" href=\"#9fd15731a4a8e0592\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REGULA\u00c7\u00c3O E SUPERVIS\u00c3O COMPORTAMENTAL \/ CONDUTA DE MERCADO<\/div><\/a><\/h4><\/div><div id=\"9fd15731a4a8e0592\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Tem por objetivo garantir elevados padr\u00f5es de conduta por parte das entidades supervisionadas na sua rela\u00e7\u00e3o com os consumidores.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#12e4a2ab1af9733f7\" href=\"#12e4a2ab1af9733f7\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REGULA\u00c7\u00c3O E SUPERVIS\u00c3O PRUDENCIAL<\/div><\/a><\/h4><\/div><div id=\"12e4a2ab1af9733f7\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Tem por objetivo garantir que as entidades supervisionadas possuem os recursos financeiros adequados \u00e0s responsabilidades que assumem e que gerem de forma prudente os riscos a que se encontrem expostos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#0031438300a80c1d3\" href=\"#0031438300a80c1d3\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REGULARIZA\u00c7\u00c3O DE SINISTRO<\/div><\/a><\/h4><\/div><div id=\"0031438300a80c1d3\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de a\u00e7\u00f5es realizadas pelo segurador com o objetivo de: confirmar que ocorreu um sinistro; analisar as suas causas, circunst\u00e2ncias e consequ\u00eancias; decidir se vai reparar os danos ou compensar os preju\u00edzos resultantes do sinistro; decidir qual o valor da indemniza\u00e7\u00e3o ou presta\u00e7\u00e3o. Para iniciar este processo \u00e9 necess\u00e1ria uma participa\u00e7\u00e3o de sinistro por parte do lesado (tomador do seguro, segurado ou terceiro) ou do benefici\u00e1rio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#2ec21b558260bdf6d\" href=\"#2ec21b558260bdf6d\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RENDA<\/div><\/a><\/h4><\/div><div id=\"2ec21b558260bdf6d\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pagamento de um valor em presta\u00e7\u00f5es, feito pelo segurador ao segurado, ao benefici\u00e1rio ou ao terceiro lesado.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#290c0a2186934bad4\" href=\"#290c0a2186934bad4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RENDIMENTO M\u00cdNIMO GARANTIDO<\/div><\/a><\/h4><\/div><div id=\"290c0a2186934bad4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Quando o segurador ou entidade gestora garante uma rendibilidade m\u00ednima no \u00e2mbito do contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#70d971f0c87e36e12\" href=\"#70d971f0c87e36e12\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RENOVA\u00c7\u00c3O AUTOM\u00c1TICA<\/div><\/a><\/h4><\/div><div id=\"70d971f0c87e36e12\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Prolongamento autom\u00e1tico de um contrato de seguro no final de um per\u00edodo fixado, na aus\u00eancia de uma manifesta\u00e7\u00e3o contr\u00e1ria de uma das partes contratantes.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#80437ebe7bdf0532c\" href=\"#80437ebe7bdf0532c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REPRESENTANTE PARA SINISTROS<\/div><\/a><\/h4><\/div><div id=\"80437ebe7bdf0532c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa ou entidade que representa em Portugal as empresas de seguros da Uni\u00e3o Europeia (UE) para efeitos de tratamento e regulariza\u00e7\u00e3o de sinistros autom\u00f3vel ocorridos na UE, contribuindo para uma mais f\u00e1cil resolu\u00e7\u00e3o dos mesmos. A informa\u00e7\u00e3o sobre o representante para sinistros da seguradora do respons\u00e1vel pelo acidente pode ser obtida no s\u00edtio na Internet da Autoridade de Supervis\u00e3o de Seguros e Fundos de Pens\u00f5es, em www.asf.com.pt.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#b2e3a86ca47196229\" href=\"#b2e3a86ca47196229\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RESGATE<\/div><\/a><\/h4><\/div><div id=\"b2e3a86ca47196229\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Possibilidade prevista em algumas das modalidades de seguros de vida de o tomador do seguro resolver o contrato e receber o valor da provis\u00e3o matem\u00e1tica, deduzido de despesas de aquisi\u00e7\u00e3o e de outras que estejam contratualmente previstas.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#37cc841a995862111\" href=\"#37cc841a995862111\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RESOLU\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"37cc841a995862111\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Cessa\u00e7\u00e3o antecipada de um contrato de seguro por iniciativa de uma das partes, havendo justa causa.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#9da0071cf72757b82\" href=\"#9da0071cf72757b82\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RESSEGURO<\/div><\/a><\/h4><\/div><div id=\"9da0071cf72757b82\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Mecanismo de transfer\u00eancia de riscos de um segurador para outro segurador ou ressegurador.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#97af6835ad4e30490\" href=\"#97af6835ad4e30490\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REVALORIZA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"97af6835ad4e30490\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Aumento do capital seguro ou do pr\u00e9mio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#68856d8b1fc3483f1\" href=\"#68856d8b1fc3483f1\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">REVISOR OFICIAL DE CONTAS<\/div><\/a><\/h4><\/div><div id=\"68856d8b1fc3483f1\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>T\u00e9cnico especializado, inscrito na Ordem dos Revisores Oficiais de Contas, a quem compete proceder aos exames e verifica\u00e7\u00f5es necess\u00e1rios para a revis\u00e3o e certifica\u00e7\u00e3o das demonstra\u00e7\u00f5es financeiras das empresas, designadamente das empresas de seguros, sociedades gestoras de fundos de pens\u00f5es ou dos fundos de pens\u00f5es.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#b4038f51ee0510da2\" href=\"#b4038f51ee0510da2\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RISCO<\/div><\/a><\/h4><\/div><div id=\"b4038f51ee0510da2\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Incerteza associada a um acontecimento futuro, seja quanto \u00e0 sua realiza\u00e7\u00e3o, ao momento em que ocorre e aos danos dele decorrentes.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-15\" data-target=\"#5b6b12ee21cc9c704\" href=\"#5b6b12ee21cc9c704\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">RISCO FINANCEIRO OU DE INVESTIMENTO<\/div><\/a><\/h4><\/div><div id=\"5b6b12ee21cc9c704\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Incerteza associada \u00e0 evolu\u00e7\u00e3o futura do valor de um conjunto de activos.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-s\" href=\"#tab-db21fce4662bcabfd63\"><h4 class=\"fusion-tab-heading\">S<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-db21fce4662bcabfd63\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-16 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-16 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-16\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#cd883b765f2c6a1fa\" href=\"#cd883b765f2c6a1fa\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SALVADO<\/div><\/a><\/h4><\/div><div id=\"cd883b765f2c6a1fa\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>O bem salvo do sinistro, nas situa\u00e7\u00f5es de perda total.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#249a12897d363c137\" href=\"#249a12897d363c137\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SALVAMENTO<\/div><\/a><\/h4><\/div><div id=\"249a12897d363c137\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>A\u00e7\u00e3o do tomador do seguro ou do segurado, que deve empregar os meios ao seu alcance para prevenir ou limitar os danos, em caso de sinistro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#b06eb316a71ac36e4\" href=\"#b06eb316a71ac36e4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURADO<\/div><\/a><\/h4><\/div><div id=\"b06eb316a71ac36e4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa ou entidade no interesse da qual \u00e9 feito o contrato de seguro ou pessoa cuja vida, sa\u00fade ou integridade f\u00edsica se segura (pessoa segura).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#48e65c6a278701ca2\" href=\"#48e65c6a278701ca2\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURADOR \/ SEGURADORA<\/div><\/a><\/h4><\/div><div id=\"48e65c6a278701ca2\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Entidade legalmente autorizada a exercer a actividade seguradora e que \u00e9 parte no contrato de seguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#c9efcb7ad453f3ecc\" href=\"#c9efcb7ad453f3ecc\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO ACESS\u00d3RIO<\/div><\/a><\/h4><\/div><div id=\"c9efcb7ad453f3ecc\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre os riscos a que est\u00e3o expostas as aeronaves (avi\u00f5es e outros meios de transporte a\u00e9reos) e as pessoas e mercadorias nelas transportadas. Cobre tamb\u00e9m a responsabilidade civil (obriga\u00e7\u00e3o de indemnizar terceiros lesados) do transportador e do propriet\u00e1rio das aeronaves.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#888e6c22e89f47cd1\" href=\"#888e6c22e89f47cd1\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO AUTOM\u00d3VEL<\/div><\/a><\/h4><\/div><div id=\"888e6c22e89f47cd1\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre os riscos a que est\u00e3o expostos os ve\u00edculos terrestres a motor (autom\u00f3veis, motociclos, etc.), incluindo a responsabilidade civil decorrente da respectiva circula\u00e7\u00e3o, bem como coberturas facultativas, tais como danos pr\u00f3prios, assist\u00eancia em viagem e protec\u00e7\u00e3o jur\u00eddica.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#2ec32bfe183be07e0\" href=\"#2ec32bfe183be07e0\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE ACIDENTES DE TRABALHO<\/div><\/a><\/h4><\/div><div id=\"2ec32bfe183be07e0\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o empregador transfere para o segurador a repara\u00e7\u00e3o de danos ao trabalhador ou seus familiares (em caso de morte) que resultem de um acidente de trabalho. Abrange presta\u00e7\u00f5es em esp\u00e9cie (por exemplo, de natureza m\u00e9dica, farmac\u00eautica e hospitalar) e presta\u00e7\u00f5es em dinheiro (por exemplo, indemniza\u00e7\u00f5es, pens\u00f5es e subs\u00eddios) pagos ao acidentado ou seus familiares. Este seguro \u00e9 obrigat\u00f3rio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#0046c8e8971400f80\" href=\"#0046c8e8971400f80\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE ACIDENTES PESSOAIS<\/div><\/a><\/h4><\/div><div id=\"0046c8e8971400f80\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante a repara\u00e7\u00e3o dos danos corporais que resultem de um acidente que n\u00e3o seja qualificado como acidente de trabalho.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#5cfaba89363a71d4b\" href=\"#5cfaba89363a71d4b\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE ASSIST\u00caNCIA<\/div><\/a><\/h4><\/div><div id=\"5cfaba89363a71d4b\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador se compromete a prestar aux\u00edlio ao segurado no caso de este se encontrar em dificuldades devido a uma situa\u00e7\u00e3o prevista no contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#1a31fb410adf0ea76\" href=\"#1a31fb410adf0ea76\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE AVARIA DE M\u00c1QUINAS<\/div><\/a><\/h4><\/div><div id=\"1a31fb410adf0ea76\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante o pagamento de despesas de repara\u00e7\u00e3o ou substitui\u00e7\u00e3o de uma m\u00e1quina que se avaria, quando esta n\u00e3o seja provocada por elementos externos \u00e0 m\u00e1quina.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#adbe85861a3008901\" href=\"#adbe85861a3008901\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE CAU\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"adbe85861a3008901\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador se compromete a pagar um valor ao credor segurado no caso de o tomador do seguro n\u00e3o cumprir uma obriga\u00e7\u00e3o ou atrasar-se no respetivo cumprimento.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#0866e62b58020f3ab\" href=\"#0866e62b58020f3ab\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE CR\u00c9DITO<\/div><\/a><\/h4><\/div><div id=\"0866e62b58020f3ab\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre o risco de n\u00e3o pagamento do cr\u00e9dito ao qual est\u00e1 exposto o credor segurado.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#b580104d6efb7a362\" href=\"#b580104d6efb7a362\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE DANOS<\/div><\/a><\/h4><\/div><div id=\"b580104d6efb7a362\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre riscos respeitantes a coisas, bens imateriais, cr\u00e9ditos e outros direitos patrimoniais.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#f4704fdce01f57b75\" href=\"#f4704fdce01f57b75\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE DANOS PR\u00d3PRIOS (AUTOM\u00d3VEL)<\/div><\/a><\/h4><\/div><div id=\"f4704fdce01f57b75\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Coberturas facultativas que podem acrescer ao seguro obrigat\u00f3rio de responsabilidade civil autom\u00f3vel, nomeadamente no que diz respeito a danos sofridos pelos ve\u00edculos seguros. As coberturas mais comuns s\u00e3o as relativas a choque, colis\u00e3o e capotamento, a inc\u00eandio, raio ou explos\u00e3o e a furto ou roubo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#66dfc1998f5b4e1d4\" href=\"#66dfc1998f5b4e1d4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE FROTA<\/div><\/a><\/h4><\/div><div id=\"66dfc1998f5b4e1d4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre um conjunto de ve\u00edculos terrestres a motor.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#2a77937eaea36feb3\" href=\"#2a77937eaea36feb3\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE GRANDES RISCOS<\/div><\/a><\/h4><\/div><div id=\"2a77937eaea36feb3\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre os riscos que s\u00e3o considerados, por lei, como \u201cgrandes riscos\u201d. Os grandes riscos abrangem determinados ramos e actividades (ex: navega\u00e7\u00e3o e transporte mar\u00edtimo e a\u00e9reo) e empresas acima de certa dimens\u00e3o.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#3b986ef2a970648f7\" href=\"#3b986ef2a970648f7\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE GRUPO<\/div><\/a><\/h4><\/div><div id=\"3b986ef2a970648f7\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre riscos de um conjunto de pessoas ligadas ao tomador do seguro por um v\u00ednculo que n\u00e3o seja o de segurar.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#686b66bdc4dc94a19\" href=\"#686b66bdc4dc94a19\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE GRUPO CONTRIBUTIVO<\/div><\/a><\/h4><\/div><div id=\"686b66bdc4dc94a19\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Seguro de grupo em que os segurados suportam, no todo ou em parte, o pagamento do pr\u00e9mio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#5eb91ba3824ff89b4\" href=\"#5eb91ba3824ff89b4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE GRUPO N\u00c3O CONTRIBUTIVO<\/div><\/a><\/h4><\/div><div id=\"5eb91ba3824ff89b4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Seguro de grupo em que o tomador do seguro suporta integralmente o pagamento do pr\u00e9mio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#a13171bc5a186ed15\" href=\"#a13171bc5a186ed15\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE INC\u00caNDIO E ELEMENTOS DA NATUREZA<\/div><\/a><\/h4><\/div><div id=\"a13171bc5a186ed15\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante a repara\u00e7\u00e3o dos danos materiais causados no bem indicado no contrato devido a inc\u00eandio ou outros acontecimentos, tais como explos\u00e3o, raio, fen\u00f3menos s\u00edsmicos, inunda\u00e7\u00f5es, tempestades, etc..<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#20a8c1b89844b8177\" href=\"#20a8c1b89844b8177\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE MULTIRRISCOS HABITA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"20a8c1b89844b8177\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre os principais riscos relativos a um im\u00f3vel (habita\u00e7\u00e3o) e normalmente aos bens m\u00f3veis existentes no seu interior (recheio).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#1547428e998a3df4e\" href=\"#1547428e998a3df4e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE NATALIDADE<\/div><\/a><\/h4><\/div><div id=\"1547428e998a3df4e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante o pagamento de um capital em caso de nascimento de filhos do segurado.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#910a45b5a3a9d6206\" href=\"#910a45b5a3a9d6206\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE NUPCIALIDADE<\/div><\/a><\/h4><\/div><div id=\"910a45b5a3a9d6206\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante o pagamento de um capital em caso de casamento do segurado.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#ed363a29074255e43\" href=\"#ed363a29074255e43\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE PERDAS DE EXPLORA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"ed363a29074255e43\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante uma indemniza\u00e7\u00e3o de modo a que, apesar dos danos materiais sofridos e das responsabilidades decorrentes, os resultados financeiros da explora\u00e7\u00e3o da empresa segura n\u00e3o sejam afetados por um inc\u00eandio, uma quebra de m\u00e1quinas ou outros acontecimentos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#740e3d6dfca6e9845\" href=\"#740e3d6dfca6e9845\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE PESSOAS<\/div><\/a><\/h4><\/div><div id=\"740e3d6dfca6e9845\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador se compromete a cobrir riscos relativos \u00e0 vida, \u00e0 sa\u00fade e \u00e0 integridade f\u00edsica de uma pessoa ou de um grupo de pessoas nele identificadas.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#66456423a7213ee69\" href=\"#66456423a7213ee69\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE PROTE\u00c7\u00c3O JUR\u00cdDICA<\/div><\/a><\/h4><\/div><div id=\"66456423a7213ee69\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre os custos de servi\u00e7os jur\u00eddicos, nomeadamente de defesa e representa\u00e7\u00e3o do segurado, assim como as despesas ligadas a processo judicial ou administrativo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#a7843d57e1e8a39c2\" href=\"#a7843d57e1e8a39c2\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE RENDA<\/div><\/a><\/h4><\/div><div id=\"a7843d57e1e8a39c2\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador se compromete a pagar presta\u00e7\u00f5es tempor\u00e1rias, ou para toda a vida, ao benefici\u00e1rio do contrato. A renda pode ser paga: ap\u00f3s a morte da pessoa segura, se o benefici\u00e1rio lhe sobreviver (seguro de renda de sobreviv\u00eancia); a partir de uma data futura (seguro de renda diferida).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#cd2fa01ad2538cf7f\" href=\"#cd2fa01ad2538cf7f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE RESPONSABILIDADE CIVIL<\/div><\/a><\/h4><\/div><div id=\"cd2fa01ad2538cf7f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre o risco de o segurado ter que vir a indemnizar terceiros por danos que resultem de les\u00f5es corporais ou materiais pelos quais seja respons\u00e1vel.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#c866df7be48d9bf0e\" href=\"#c866df7be48d9bf0e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE RESPONSABILIDADE CIVIL AUTOM\u00d3VEL<\/div><\/a><\/h4><\/div><div id=\"c866df7be48d9bf0e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato de seguro de responsabilidade civil atrav\u00e9s do qual o segurador cobre os danos corporais ou materiais causados a terceiros por ve\u00edculos terrestres a motor e seus reboques. Este seguro \u00e9 obrigat\u00f3rio.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#32b1d711e8b712293\" href=\"#32b1d711e8b712293\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE RISCOS DE MASSA<\/div><\/a><\/h4><\/div><div id=\"32b1d711e8b712293\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre os riscos que, por lei, n\u00e3o s\u00e3o considerados grandes riscos. Estes contratos cobrem riscos comuns para a maioria das pessoas ou entidades. Por exemplo, o seguro obrigat\u00f3rio de responsabilidade civil autom\u00f3vel.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#4a58b7e2735345f62\" href=\"#4a58b7e2735345f62\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE ROUBO<\/div><\/a><\/h4><\/div><div id=\"4a58b7e2735345f62\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante a indemniza\u00e7\u00e3o de preju\u00edzos que resultem de um roubo ou de uma tentativa de roubo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#ae4a36dc889b4addc\" href=\"#ae4a36dc889b4addc\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE VIDA<\/div><\/a><\/h4><\/div><div id=\"ae4a36dc889b4addc\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador se compromete a pagar o capital seguro em caso de morte da pessoa segura (seguro em caso de morte) ou sobreviv\u00eancia da pessoa segura (seguro em caso de vida).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#f7de4d7bd963eb5d0\" href=\"#f7de4d7bd963eb5d0\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE VIDA MISTO<\/div><\/a><\/h4><\/div><div id=\"f7de4d7bd963eb5d0\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador se compromete a pagar o capital seguro ao benefici\u00e1rio: no momento da morte do segurado, se ocorrer antes do final do contrato; no final do contrato, se o segurado se encontrar vivo nessa data.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#b46fceb043fa92ac2\" href=\"#b46fceb043fa92ac2\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO DE VIDA TEMPOR\u00c1RIO<\/div><\/a><\/h4><\/div><div id=\"b46fceb043fa92ac2\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador se compromete a pagar o capital seguro ao benefici\u00e1rio no momento da morte do segurado, se esta ocorrer durante o per\u00edodo indicado no contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#1ae5031a9fdce4416\" href=\"#1ae5031a9fdce4416\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO INDIVIDUAL<\/div><\/a><\/h4><\/div><div id=\"1ae5031a9fdce4416\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Seguro que pode cobrir uma \u00fanica pessoa, um agregado familiar ou um conjunto de pessoas que vivam em economia comum. Pode tamb\u00e9m cobrir conjuntamente duas ou mais pessoas (por exemplo, seguros de vida dos s\u00f3cios de uma empresa).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#507278c4ea75d6ebb\" href=\"#507278c4ea75d6ebb\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO LIGADO A FUNDO DE INVESTIMENTO (UNIT LINKED)<\/div><\/a><\/h4><\/div><div id=\"507278c4ea75d6ebb\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato de seguro de vida em que o capital seguro varia de acordo com o valor das unidades de participa\u00e7\u00e3o de um ou v\u00e1rios fundos de investimento. Neste seguro o risco de investimento \u00e9 assumido pelo tomador do seguro, exceto no que diz respeito \u00e0 parte de \u201ccapital garantido\u201d ou \u201crendimento m\u00ednimo garantido\u201d, quando existam.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#06947a16f4abf1566\" href=\"#06947a16f4abf1566\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO MAR\u00cdTIMO<\/div><\/a><\/h4><\/div><div id=\"06947a16f4abf1566\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador cobre os riscos inerentes aos transportes mar\u00edtimos.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#d272b411eef336fa4\" href=\"#d272b411eef336fa4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SEGURO PECU\u00c1RIO<\/div><\/a><\/h4><\/div><div id=\"d272b411eef336fa4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Contrato atrav\u00e9s do qual o segurador garante a indemniza\u00e7\u00e3o do preju\u00edzo que resulta da morte ou doen\u00e7a de certos animais.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#f6d3ee4c6ade92213\" href=\"#f6d3ee4c6ade92213\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SINISTRO<\/div><\/a><\/h4><\/div><div id=\"f6d3ee4c6ade92213\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Evento ou s\u00e9rie de eventos que resultam de uma mesma causa e que accionam a cobertura do risco prevista no contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#225ac4326015f7e7f\" href=\"#225ac4326015f7e7f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SOBREPR\u00c9MIO<\/div><\/a><\/h4><\/div><div id=\"225ac4326015f7e7f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Acr\u00e9scimo ao valor do pr\u00e9mio do seguro devido \u00e0 cobertura de um risco agravado ou a uma cobertura adicional.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#c975afa5b0ca8b29c\" href=\"#c975afa5b0ca8b29c\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SOBRESSEGURO<\/div><\/a><\/h4><\/div><div id=\"c975afa5b0ca8b29c\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Situa\u00e7\u00e3o em que o bem \u00e9 segurado por um valor superior ao seu valor real.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#5ad956fe2139f8dfd\" href=\"#5ad956fe2139f8dfd\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SUBROGA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"5ad956fe2139f8dfd\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>A\u00e7\u00e3o exercida por um segurador com o fim de obter do respons\u00e1vel pelo dano o reembolso de uma indemniza\u00e7\u00e3o paga ao benefici\u00e1rio do contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#06c90e26a43d11831\" href=\"#06c90e26a43d11831\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SUBSCRITOR<\/div><\/a><\/h4><\/div><div id=\"06c90e26a43d11831\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa que contrata uma opera\u00e7\u00e3o de capitaliza\u00e7\u00e3o com uma empresa de seguros, sendo respons\u00e1vel pelo pagamento da respetiva presta\u00e7\u00e3o<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#466870a476c4b2f92\" href=\"#466870a476c4b2f92\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SUBSEGURO<\/div><\/a><\/h4><\/div><div id=\"466870a476c4b2f92\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Situa\u00e7\u00e3o em que o bem \u00e9 segurado por um valor inferior ao seu valor real.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#baa699320a6ba3b65\" href=\"#baa699320a6ba3b65\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SUPORTE DURADOURO<\/div><\/a><\/h4><\/div><div id=\"baa699320a6ba3b65\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Qualquer meio que permita armazenar informa\u00e7\u00f5es que lhe sejam dirigidas, de tal forma que possam ser consultadas posteriormente durante um per\u00edodo adequado aos fins dessas informa\u00e7\u00f5es e que permita a sua reprodu\u00e7\u00e3o exata.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#70bb7b4a7685025d1\" href=\"#70bb7b4a7685025d1\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SUSPENS\u00c3O DE GARANTIA<\/div><\/a><\/h4><\/div><div id=\"70bb7b4a7685025d1\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Interrup\u00e7\u00e3o por um per\u00edodo de tempo das obriga\u00e7\u00f5es de um segurador quanto a uma ou mais coberturas do contrato de seguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-16\" data-target=\"#9bc7d26d28594d3fb\" href=\"#9bc7d26d28594d3fb\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">SUSPENS\u00c3O DE UM CONTRATO<\/div><\/a><\/h4><\/div><div id=\"9bc7d26d28594d3fb\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Interrup\u00e7\u00e3o por um per\u00edodo de tempo dos direitos e deveres que constam do contrato de seguro.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-t\" href=\"#tab-a9f506500bfa65e628d\"><h4 class=\"fusion-tab-heading\">T<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-a9f506500bfa65e628d\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-17 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-17 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-17\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-17\" data-target=\"#0d28deca969128253\" href=\"#0d28deca969128253\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">TABELA DE DESVALORIZA\u00c7\u00c3O (AUTOM\u00d3VEL)<\/div><\/a><\/h4><\/div><div id=\"0d28deca969128253\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Tabela utilizada nos contratos de seguro autom\u00f3vel que incluam cobertura de danos pr\u00f3prios, que serve para atualizar o valor seguro para efeitos do montante das indemniza\u00e7\u00f5es em caso de perda total, sendo o pr\u00e9mio do seguro ajustado \u00e0 desvaloriza\u00e7\u00e3o do ve\u00edculo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-17\" data-target=\"#4a4999a4e25b91457\" href=\"#4a4999a4e25b91457\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">TARIFA<\/div><\/a><\/h4><\/div><div id=\"4a4999a4e25b91457\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Conjunto de crit\u00e9rios e de condi\u00e7\u00f5es de subscri\u00e7\u00e3o que permitem o c\u00e1lculo do pr\u00e9mio do seguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-17\" data-target=\"#86b6a0e6f1a3d6962\" href=\"#86b6a0e6f1a3d6962\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">TAXA DE JURO GARANTIDA<\/div><\/a><\/h4><\/div><div id=\"86b6a0e6f1a3d6962\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Cl\u00e1usula contratual nos termos da qual o segurador garante que a rendibilidade do investimento no prazo acordado n\u00e3o ser\u00e1 inferior a uma determinada taxa de juro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-17\" data-target=\"#edc3c71f6c10955b3\" href=\"#edc3c71f6c10955b3\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">TERCEIRO LESADO<\/div><\/a><\/h4><\/div><div id=\"edc3c71f6c10955b3\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>V\u00edtima de um sinistro, que n\u00e3o \u00e9 parte no contrato de seguro e que tem o direito a ser indemnizada nos termos do mesmo.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-17\" data-target=\"#ad570fadfa961280e\" href=\"#ad570fadfa961280e\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">TOMADOR DO SEGURO<\/div><\/a><\/h4><\/div><div id=\"ad570fadfa961280e\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Pessoa que celebra o contrato de seguro com a empresa de seguros, sendo respons\u00e1vel pelo pagamento do pr\u00e9mio.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-u\" href=\"#tab-c2182fae83f79f1886a\"><h4 class=\"fusion-tab-heading\">U<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-c2182fae83f79f1886a\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-18 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-18 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-18\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-18\" data-target=\"#7801c3fafacaf5af8\" href=\"#7801c3fafacaf5af8\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">UNIDADE DE CONTA<\/div><\/a><\/h4><\/div><div id=\"7801c3fafacaf5af8\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Unidade que \u00e9 utilizada para determinar o capital seguro num contrato de seguro ligado a fundos de investimento, identificando o n\u00famero de unidades de participa\u00e7\u00e3o de cada fundo de investimento que integram o valor de refer\u00eancia.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-18\" data-target=\"#92a64ab81cf7ed886\" href=\"#92a64ab81cf7ed886\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">UNIDADES DE PARTICIPA\u00c7\u00c3O<\/div><\/a><\/h4><\/div><div id=\"92a64ab81cf7ed886\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Parcela em que se divide o patrim\u00f3nio do fundo de investimento ou do fundo de pens\u00f5es aberto. O seu valor \u00e9 determinado atrav\u00e9s da divis\u00e3o do montante total dos ativos do fundo pelo n\u00famero de unidades de participa\u00e7\u00e3o em circula\u00e7\u00e3o. O valor da unidade de participa\u00e7\u00e3o varia em fun\u00e7\u00e3o da evolu\u00e7\u00e3o do valor dos ativos em que o fundo investe, podendo aumentar ou diminuir.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\"><li><a class=\"tab-link\" data-toggle=\"tab\" id=\"mobile-fusion-tab-v\" href=\"#tab-4618b4d9292d03b02ec\"><h4 class=\"fusion-tab-heading\">V<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade\" id=\"tab-4618b4d9292d03b02ec\">\n<style type=\"text\/css\" scoped=\"scoped\">.fusion-accordian  #accordion-807-19 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian  #accordion-807-19 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}<\/style><div class=\"accordian fusion-accordian\"><div class=\"panel-group\" id=\"accordion-807-19\"><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#36ea7b360b6f0f9c3\" href=\"#36ea7b360b6f0f9c3\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VALOR DE REEMBOLSO<\/div><\/a><\/h4><\/div><div id=\"36ea7b360b6f0f9c3\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor que o benefici\u00e1rio tem direito a receber no final do contrato.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#25d13715728f20af4\" href=\"#25d13715728f20af4\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VALOR DE REFER\u00caNCIA<\/div><\/a><\/h4><\/div><div id=\"25d13715728f20af4\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>A unidade de participa\u00e7\u00e3o ou unidade de conta utilizada para c\u00e1lculo do capital seguro no \u00e2mbito de um contrato de seguro ligado a fundos de investimento.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#c690803ed0bde425d\" href=\"#c690803ed0bde425d\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VALOR DE RESGATE<\/div><\/a><\/h4><\/div><div id=\"c690803ed0bde425d\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Montante m\u00e1ximo que pode ser atribu\u00eddo em caso de resgate de um contrato de seguro de vida.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#17935b7a59781d975\" href=\"#17935b7a59781d975\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VALOR DO SALVADO<\/div><\/a><\/h4><\/div><div id=\"17935b7a59781d975\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor do bem seguro, ap\u00f3s um sinistro com perda total.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#94b1411fbec4370d9\" href=\"#94b1411fbec4370d9\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VALOR VENAL<\/div><\/a><\/h4><\/div><div id=\"94b1411fbec4370d9\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Valor de substitui\u00e7\u00e3o do bem seguro, imediatamente antes da ocorr\u00eancia do sinistro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#7f4a600f092781861\" href=\"#7f4a600f092781861\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VENCIMENTO DE UM CONTRATO<\/div><\/a><\/h4><\/div><div id=\"7f4a600f092781861\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Termo ou fim do contrato de seguro. Em certas modalidades de seguros de vida \u00e9 o momento em que \u00e9 pago o capital seguro.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#c80414f90f44b04af\" href=\"#c80414f90f44b04af\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VENCIMENTO DO PR\u00c9MIO<\/div><\/a><\/h4><\/div><div id=\"c80414f90f44b04af\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Data at\u00e9 \u00e0 qual o pr\u00e9mio de seguro deve ser pago ao segurador.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\"><a data-toggle=\"collapse\" data-parent=\"#accordion-807-19\" data-target=\"#1b3029f52d0c45e8f\" href=\"#1b3029f52d0c45e8f\"><div class=\"fusion-toggle-icon-wrapper\"><i class=\"fa-fusion-box\"><\/i><\/div><div class=\"fusion-toggle-heading\">VIG\u00caNCIA<\/div><\/a><\/h4><\/div><div id=\"1b3029f52d0c45e8f\" class=\"panel-collapse collapse \"><div class=\"panel-body toggle-content\">\n<p>Per\u00edodo durante o qual o contrato de seguro produz os seus efeitos.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":[],"_links":{"self":[{"href":"https:\/\/www.empremedia.pt\/index.php?rest_route=\/wp\/v2\/pages\/807"}],"collection":[{"href":"https:\/\/www.empremedia.pt\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.empremedia.pt\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.empremedia.pt\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.empremedia.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=807"}],"version-history":[{"count":0,"href":"https:\/\/www.empremedia.pt\/index.php?rest_route=\/wp\/v2\/pages\/807\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.empremedia.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}