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A : a normal insurance agent is a mediator appointed by one insurance company to sell their products, e.g. house – contents, car insurance etc., but not savings, income protection or life insurance. An independent agent has obtained a special licence (I since 1988) and therefore can sell products from several insurance companies. In doing so I can choose a company which in my experience offer good services and are efficient in paying out claims. I can choose from a number of different insurance companies i.e car, household insurers including selecting the best health insurance company for my clients.

Q.: Why are health insurance often promoted and why do they very often increase their premiums after 1 or 2 years?

A : When Representatives of Health Insurance Companies sell a Health Insurance Policy, they quote initially quite often a rate which is very low compared with other Health Insurance Companies, in order to obtain initially as many clinets as possible. So, if somebody at the age of 74 has purchased such an insurance contract he or she is compelled to stay insured with that particular company for the rest of her or his life, since no other Insurer would insure her due to his or her age.

All insurers have minimum and maximum entry ages, the maximum age to obtain health insurance may vary between 64 and 74 years of age. When a reliable health insurance company wishing to be competetive, the premiums are realistic.Such an Insurance Company will not increase its premium to individual clients just because they had a higher claims rate in a particular year.

The Portuguese insurance companies mostly accept clients till the age of 60 and upon reaching the age of 70 they terminate the contract, at a time when you probably need the health insurance most. English insurers cannot terminate the contract (unless in fraud cases), so they are there for your whole life.

Q. : How do I know that a health insurance company is reliable ?

A : All insurance companies must be a member of the “F.S.A.” (www.fsa.gov.uk) this is an independent government body who controls and regulates all financial services, a kind of ombudsman for the financial sector. The English law (not the Irish or European) regarding private health insurers offer a good protection, because they have this special “Ombudsman” for this branch of insurance.

Q. : What about a house or car insurance ?

A : With car and household insurance there can be a lot of misunderstandings, my advise : have your policy and application form (contract) checked, so that you know exactly that you are indeed insured for everything you require. I might also be of help (against payment for this service) if you decide to buy a second hand car in Portugal, in checking the history of the car by means of the numberplate, for former owners and accidents.

Q. : what other insurance can you offer ?

A : travel (annual multi trip or single trip); Liability – private, company and/or for rentals, obligatory accident insurance, condominium, builders-, life-insurance, saving plans and income protection.

We speak German, Dutch, English and Portuguese.

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Are you interested, please contact : Marleen Jongen tel 282 687437