Research Studentships directly funded by FCT

Yes. Under the law, this is the right of scholarship holders.

The insurance covers expenses arising from personal accidents of the scholarship holder, in Portugal or abroad, including the eventualities of death, permanent invalidity, as well as treatment, repatriation and funeral expenses.

Yes. In the event of death or permanent disability, compensation is limited to a maximum of 20,000 euros. In the case of treatment and repatriation costs, these are limited to 6,000 euros.

No. The insurance covers professional and extra-professional risks, in Portugal and abroad, including normal travel between home and the place where the research is carried out, even during periods of mobility.

No. The insurance covers personal accidents that occur in any country.

Yes.

Yes, but only if you dive to a depth of 30 meters.

Only the expenses referred to in the previous paragraphs, health or otherwise, arising from personal accidents are covered.

Other expenses are not covered, such as illness-related expenses, as this is not health insurance.

Expenses relating to the scholarship holder's civil or contractual liability towards third parties are not covered, as this is not civil liability insurance.

Expenses arising from loss of earnings are also not covered, as this is not an occupational accident insurance.

Expenses related to loss of luggage, transportation or accommodation are also not covered, as this is not travel insurance.

To obtain the supporting statement, go to https://myfct.fct.pt/ to the Financing menu → click on the Studentship reference → obtain statement.

You must report the claim to the insurance company and the insurance intermediary appointed by the FCT as soon as possible and within a maximum of eight days. To this end, you must complete and sign the claim report form and the declaration on the processing of personal data, and send them by e-mail to sinistro.ap@fidelidade.pt, with notice to paula.martins@melior-seguros.pt and vania.prata@melior-seguros.pt.

In this declaration, you will be asked to fill in the policy number. You can request this information from the FCT by calling 213 924 310 or by e-mailing Studentships indicating your Studentship reference.

In this case, you should go to the emergency department of the public hospital closest to where the accident occurred. When you have finished your emergency treatment, you must report the claim to the insurer within a maximum of eight days. If you need further medical treatment, you should go to one of the agreed clinics. The insurer can tell you which one is closest to you, depending on your need for assistance.

You will have to use an agreed provider, indicated by the insurer. It is important to remember that you will need to take a copy of the completed claim form with you, including the policy number, which we will provide.

In this case, treatment expenses, including complementary diagnostic means, will only be reimbursed if there is a causal link between the expense and the accident that caused it. Expenses will then be reimbursed in accordance with the following paragraph.

You should send this request by email to sinistros.ap@fidelidade.pt. Once the causal link between the expense and the accident has been verified, as long as the expense is within the insurance limits and the accident has already been correctly reported to the insurance company, the expenses will be reimbursed by IBAN to a bank account held by the scholarship holder.

You should bear in mind that the expenses must always be documented with your identification number. If the documents contain your tax identification number, you can send them by e-mail, but if not, you will have to send them by post to the insurance company.

In order for expenses to be reimbursed, in addition to the document stating the expense, you must also send the following documents to the insurance company:

1. Medical prescription;
2. All clinical documentation resulting from the assistance provided following the accident, including reports of complementary means of diagnosis;
3. Proof of IBAN identifying the scholarship holder as the holder of the bank account.

Please note that the IBAN vouchers issued by ATMs are not valid. You can obtain a receipt showing your name as the account holder via your bank's homebanking service or at a branch of your bank.

The insurance company is Fidelidade.

For further information on Personal Accident Insurance, please contact:

Vânia Prata Carvalho

Client Manager

Melhor Seguros, Consultores e corretores de Seguros, S.A:

Rua Embaixador Martins Janeira, nº 14, 1st and 2nd Floor

1750-097 Lisbon

General: (+351) 213 600 120

Tel: (+351) 213 600 124

Email: vania.prata@melior-seguros.pt