1 - Who is entitled to the Professional Civil Liability Insurance of the Order of Physiotherapists?
All Physiotherapists registered with the Order who have not had their registration suspended or cancelled.
2 - From what point am I entitled to the Professional Civil Liability Insurance of the Order of Physiotherapists?
From the date on which the professional card is issued, which coincides with the moment when payment is made for membership of the Order of Physiotherapists.
3 - What is the starting date for the Professional Civil Liability Insurance of the Order of Physiotherapists?
It has been in force since 8 June 2022 and was renewed in 2025.
4 - How much do I have to pay for Professional liability insurance provided by the Order of Physiotherapists?
No payment is necessary, as this is a benefit provided by the Order to all Physiotherapists with active registration.
5 - In what situations am I no longer entitled to the Professional Civil Liability Insurance of the Order of Physiotherapists?
From the moment your registration is suspended or cancelled.
6 - What does Professional Liability Insurance cover?
Professional Liability Insurance guarantees the payment of compensation of up to €100,000 which, in accordance with the legislation in force, may be demanded of the Physiotherapist as a result of an error, omission or negligence committed by the Physiotherapist in the exercise of their profession.
This Professional Civil Liability Insurance also has associates:
- Defence cost of 20,000 €;
– Monthly allowance for judicial disqualification from professional practice - under the terms of this
cover, the Insurer pays a monthly amount corresponding to the average remuneration of the last 12 months prior to the claim, up to a maximum of €3,000.00.
– Operating liability - guarantees the civil liability of the Physiotherapist, derived from the risks inherent to their capacity as owner of the building or fraction and/or administrator of the buildings assigned to the pursuit of their activity as a Physiotherapist, in the amount of €20,000.
7 - I already have Professional Liability Insurance. Can I keep both?
It is not advisable to keep both. The Fidelidade - Companhia de Seguros S.A. policy (carried out by Willis, Corretores de Seguros S.A.) is only valid if, at the time of the event, the event causing the damage is not guaranteed by another policy, as indicated in the policy's specific conditions and guarantees, which can be consulted in the area reserved for members of the Order of Physiotherapists. After careful analysis, if you decide to keep the professional civil liability insurance of the Order of Physiotherapists, you should waive the one you already have. If you decide to waive the Order's insurance, you must communicate this decision in writing to: geral@ordemdosfisioterapeutas.pt
8 - What should I do in the event of a claim?
In the event of a claim, you must complete the "Civil Liability Claims” and send it to the insurer's Claims Department via e-mail: sinistros.pt@wtwco.com.
If expenses have already been incurred when the claim is reported, you should send the "Expenses document" properly. The expenses form can also be sent later, as long as the policy number appears on it (it can be placed above the "claim number").
Both documents can be found in the Reserved Area, under the Civil Liability Insurance > Forms tab.
9 - If I decide to cancel the Association's Professional Liability Insurance, do I get a discount on my membership fees?
The amount of the membership fees has nothing to do with the insurance, which is a response found by the Board of the Order of Physiotherapists to the legal obligation for all members of a professional organisation to have professional civil liability insurance.
10 - If I want to increase the amount of cover, can I do so?
You can also negotiate additional policy conditions with Fidelidade - Companhia de Seguros S.A. or any other insurance company. In the case of the former, you can contact the account manager, Dr André Amorim, at the following email address: andre.amorim@wtwco.com
11 - When does Professional Liability Insurance cover a claim?
The insurance covers claims made for the first time during the period in which the policy is active. It can also cover claims made up to 12 months after the end of the contract, provided that the error, act or omission occurred during the period in which the insurance was in force and that the case was not previously known to the insured or the insurer.
12 - What is the excess associated with the Professional Civil Liability Insurance of the Order of Physiotherapists?
There is no franchise.
13 - How can I contact the insurance company?
You can contact the account manager, Dr André Amorim, at the following email address: andre.amorim@wtwco.com