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B1  ·  30 words

Insurance and provision in Portuguese

The policy, the premium, the excess, the pension and the cancellation.

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From these 30 words, as many per round as you like — up to all of them: first what is due today, then new ones. First you choose, then you fill the gap, then you write it yourself. Mistakes come back again shortly.

More about this list

The seventeenth entry is o pagamento semestral, and the adjective hides a number that most English readers have never noticed inside it. « Semester » looks as though it opens with « semi- », half, and the way we use the word encourages the reading: a semester is one of the two halves of an academic year. The half is a coincidence. Semestris is sex, six, welded to mensis, month — six-monthly, and nothing more — with the x lost in front of the m. Once that is visible the Portuguese family reads itself without a dictionary: semestral is every six months, trimestral every three, bimestral every two, and o semestre is a stretch of six months whatever a university chooses to do with it. So O pagamento semestral vence em junho announces a payment made twice a year, which we would call half-yearly. A reader who hears « semi- » in the word gets that one right by accident and trimestral wrong for certain, because three months is not half of anything here. The rule that never fails is to count the months rather than the halves.

The words

Verb (1)

descontarto pay in contributions, to deductVerbB1
Descontam-se contribuições durante quarenta anos.Contributions are paid in over forty years.

Conjugation of descontar →

Phrase (2)

celebrar um contratoto enter into a contractPhraseB1
Celebrou um contrato de seguro da casa.She took out a household insurance contract.
a cargo depayable by, borne byPhraseB1
As despesas ficam a cargo do inquilino.The costs are borne by the tenant.

Noun (f) (19)

Grammar for these: Definite article: o, a, os, as · Contractions: do, na, ao, pelo

a apólicethe insurance policyNoun (f)B1
A apólice tem quatro páginas.The policy runs to four pages.
a seguradorathe insurance companyNoun (f)B1
A seguradora responde por carta.The insurance company replies by letter.
a franquiathe excessNoun (f)B1
A franquia fica a seu cargo.The excess is left for you to pay.
a garantia contratadathe cover agreedNoun (f)B1
A garantia contratada não inclui o roubo.The cover agreed does not include theft.
a exclusãothe exclusionNoun (f)B1
As exclusões estão escritas em letra pequena.The exclusions are written in small print.
a indemnizaçãothe compensation paymentNoun (f)B1
A indemnização chega depois da peritagem.The compensation arrives after the expert report.
a peritagemthe expert reportNoun (f)B1
A peritagem faz-se no local.The expert report is made on site.
a renovação automáticathe automatic renewalNoun (f)B1
A renovação automática acontece todos os anos.The automatic renewal happens every year.
a rescisãothe cancellation of the contractNoun (f)B1
A rescisão parte dois meses antes do vencimento.Notice of cancellation goes out two months before the due date.
a carta registadathe registered letterNoun (f)B1
A rescisão vai por carta registada.The cancellation is sent by registered letter.
a regularização do sinistrothe settlement of the claimNoun (f)B1
A regularização do sinistro chega em três semanas.The claim is settled within three weeks.
a reformaretirement, the old-age pensionNoun (f)B1
Vai para a reforma em junho.He is retiring in June.
a contribuiçãothe contributionNoun (f)B1
A contribuição muda todos os janeiros.The contribution changes every January.
a conta poupançathe savings accountNoun (f)B1
A conta poupança rende muito pouco.The savings account earns very little.
a incapacidade temporáriathe temporary incapacity for workNoun (f)B1
A incapacidade temporária dura dez dias.The temporary incapacity lasts ten days.
a comparticipaçãothe reimbursement of the costNoun (f)B1
A comparticipação é total.The cost is reimbursed in full.
a participação do sinistrothe notification of the claimNoun (f)B1
A participação do sinistro faz-se em cinco dias.The claim must be notified within five days.
a adendathe addendumNoun (f)B1
Uma adenda muda duas linhas do contrato.An addendum changes two lines of the contract.
as letras pequenasthe small printNoun (f)B1
Tudo se decide nas letras pequenas.Everything is decided in the small print.

Noun (m) (8)

Grammar for these: Definite article: o, a, os, as · Contractions: do, na, ao, pelo

o seguradothe insured personNoun (m)B1
O segurado deve avisar em cinco dias.The insured person must give notice within five days.
o prémio anualthe annual premiumNoun (m)B1
O prémio anual sobe três por cento.The annual premium is going up by three per cent.
o peritothe loss adjusterNoun (m)B1
O perito passa na quinta de manhã.The loss adjuster is coming on Thursday morning.
o vencimentothe due dateNoun (m)B1
O vencimento é a um de abril.The due date falls on the first of April.
o pagamento semestralthe half-yearly paymentNoun (m)B1
O pagamento semestral vence em junho.The half-yearly payment falls due in June.
o imprevistothe unforeseen expenseNoun (m)B1
Esta quantia é para imprevistos.This sum is there for unforeseen expenses.
o capital segurothe sum insuredNoun (m)B1
O capital seguro é de cem mil euros.The sum insured is one hundred thousand euros.
o beneficiáriothe beneficiaryNoun (m)B1
O beneficiário está escrito na apólice.The beneficiary is written in the policy.

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