Studentships directly funded by FCT

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

The insurance covers expenses arising from personal accidents involving the scholarship recipient, in Portugal or abroad, including death, permanent disability, 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. In the case of treatment and repatriation expenses, these are limited to €6,000.

No. The insurance covers professional and non-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 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 to https://myfct.fct.pt/, access the Financing menu → click on the Studentship reference Studentship obtain statement.

You must report the claim to the insurance company and the insurance broker designated by FCT as soon as possible, and within a maximum period of eight days. To do so, you must complete and sign the claim form and the personal data processing statement, and send them by email to sinistro.ap@fidelidade.pt, with a copy to paula.martins@melior-seguros.pt and vania.prata@melior-seguros.pt.

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

In this case, you should go to the emergency department of the public hospital closest to the place where the accident occurred. Once you have received emergency treatment, you must report the accident to the insurance company within eight days. If you need further medical treatment, you should go to one of the affiliated clinics. The insurance company can tell you which one is closest to you, depending on your needs.

You should use an approved provider recommended by the insurance company. It is important to remember that you will need to bring a copy of the duly completed accident report, including the policy number that we will provide you with.

In this case, treatment expenses, including complementary diagnostic measures, 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, provided that the expense is within the limits of the insurance and the accident has been correctly reported to the insurance company, the expenses will be reimbursed by IBAN to a bank account held by the scholarship holder.

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 insurance company is Fidelidade.

For further information on Personal Accident Insurance, please contact:

Vânia Prata Carvalho

Client Manager

Melhor Seguros, Insurance Consultants and Brokers, S.A.:

14 Embaixador Martins Janeira Street, 1st and 2nd Floors

1750-097 Lisbon

General: (+351) 213 600 120

Tel: (+351) 213 600 124

Email: vania.prata@melior-seguros.pt