Studentships directly funded by FCT

Yes. In the case of scholarship recipients who, as of the 2025 Doctoral Studentships Competition, have entered into a Studentship contract Studentship a contracting institution—designated and selected by them in their application—it is that institution that must provide the aforementioned personal accident insurance, in the manner it deems best, in accordance with the provisions of the Research Scholarship Recipient Statute. Therefore, you should request all necessary information and address any issues that may arise directly with that entity, in accordance with the terms it provides.

Yes. Under the law, this is a right of scholarship recipients.

The insurance covers expenses resulting from personal accidents involving the scholarship recipient, whether in Portugal or abroad, including death, permanent disability due to an accident, as well as medical treatment and repatriation expenses resulting from an accident.

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

No. The insurance covers both work-related and non-work-related risks, in Portugal and abroad, including regular travel between home and the research site, even during periods of mobility.

No. The insurance covers personal accidents that occur in any country, excluding countries subject to sanctions by the United Nations, the European Union, and OFAC, including Russia, Belarus, Ukraine, Israel, the Golan Heights, the West Bank, the Gaza Strip, and Lebanon.

Yes.

Yes, but only if the diving activity takes place at a depth of up to 30 meters.

Only expenses referred to in the preceding paragraphs, whether health-related or otherwise, arising from personal accidents are covered.

Other expenses, such as those arising from illness, are not covered, as this is not health insurance.

Expenses arising from the civil or contractual liability of the scholarship recipient towards third parties are not covered, as this is not civil liability insurance.

Expenses arising from loss of income are also not covered, as this is not workers' compensation 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 tohttps://myfct.fct.pt/, select the "Funding" menu Studentship click on the Studentship reference number Studentship select "Obtain Statement."

You must report the claim to the insurer and to the insurance broker designated by FCT as soon as possible, and no later than eight days after the incident. To do so, you must complete and sign theclaim form and send it by email tosinistros@melior-seguros.pt, with a copy tovania.prata@melior-seguros.pt.

In this form, you will be asked to enter your policy number. You can request this information from FCT by calling 213 924 310 or by emailingStudentships, and be sure to include your Studentship reference number.

In that case, you should go to the emergency room at the public hospital closest to where the accident occurred. Once your emergency treatment is complete, you must report the accident to the insurance company within eight days.

You must submit this request by email tosinistros@melior-seguros.pt. Once the causal link between the expense and the accident has been verified—provided the expense falls within the policy limits and the accident has already been properly reported to the insurer—the expenses will be reimbursed via IBAN to a bank account held by the scholarship recipient.

Please note that expenses must always be included in a document containing your identification details. If the documents contain your tax identification number, you can send them by email, but if not, you will have to send them by post to the insurance company.

In order to be eligible for reimbursement of expenses, in addition to the document showing the expense, you must also send the following documents to the insurer:

1. Medical prescription;
2. All clinical documentation resulting from the care provided following the accident, namely reports on complementary diagnostic methods;
3. Proof of IBAN showing the scholarship recipient as the account holder.

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

The insurer is AIG Europe S.A. – Portugal Branch.

For additional information about Personal Accident Insurance, please contact the insurance broker with whom FCT has a contract using the following contact information:

Account Management

Vânia Prata Carvalho

Email: vania.prata@concentracorretores.pt

Direct line: 213 600 124

Claims

Email: sinistros@melior-seguros.pt

Phone: 213 600 120