{"id":1619,"date":"2021-01-02T15:21:34","date_gmt":"2021-01-02T15:21:34","guid":{"rendered":"https:\/\/exs.suba-agency.com\/?p=1619"},"modified":"2026-06-26T14:25:12","modified_gmt":"2026-06-26T14:25:12","slug":"quais-os-tipos-de-seguro-de-vida-credito-habitacao","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/quais-os-tipos-de-seguro-de-vida-credito-habitacao\/","title":{"rendered":"Descubra os tipos de seguro de vida cr\u00e9dito habita\u00e7\u00e3o!"},"content":{"rendered":"

Existem dois tipos de seguro de vida cr\u00e9dito habita\u00e7\u00e3o.<\/p>\n

Invalidez total e permanente:<\/strong>\u00a0\u00c9 o plano mais abrangente e, portanto, o que mais recomendamos. Este plano de prote\u00e7\u00e3o garante o pagamento do capital seguro nos casos em que, por doen\u00e7a ou acidente, a pessoa fique incapaz de realizar a sua atividade profissional, de acordo com os seus conhecimentos e aptid\u00f5es. O grau de incapacidade dever\u00e1 ser superior a 60% ou a 65% (dependendo da seguradora), seguindo por norma os crit\u00e9rios da Tabela Nacional de Incapacidade.<\/p>\n

Invalidez absoluta e definitiva:<\/strong>\u00a0Trata-se da cobertura base de um seguro de vida, para al\u00e9m da \u201cmorte\u201d. S\u00f3 beneficiar\u00e1 desta cobertura se na sequ\u00eancia dum acidente ou doen\u00e7a ficar impossibilitado, de forma permanente de exercer qualquer atividade remunerada, indiferentemente das suas capacidades. \u00c9 ainda necess\u00e1rio que recorra ao aux\u00edlio de outra pessoa para executar rotinas b\u00e1sicas, como a higiene di\u00e1ria, alimentar-se, vestir-se ou deslocar-se.<\/p>\n

Recomendamos a integra\u00e7\u00e3o das duas componentes. Porqu\u00ea? Por exemplo, se tiver uma invalidez superior a 80% que o impede de executar uma atividade remunerada, mas n\u00e3o precisa de aux\u00edlio de terceiros para fazer as suas rotinas b\u00e1sicas, s\u00f3 ter\u00e1 o apoio do seguro se tiver subscrito as duas modalidades.<\/p>\n

Na EXS garantimos uma\u00a0proposta personalizada<\/a>\u00a0e apresentamos a melhor op\u00e7\u00e3o para as suas necessidades.<\/p>","protected":false},"excerpt":{"rendered":"

Existem dois tipos de seguro de vida cr\u00e9dito habita\u00e7\u00e3o. Invalidez total e permanente:\u00a0\u00c9 o plano mais abrangente e, portanto, o que mais recomendamos. Este plano de [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1593,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-1619","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vida-credito-habitacao"],"acf":[],"yoast_head":"\nDescubra os tipos de seguro de vida cr\u00e9dito habita\u00e7\u00e3o! - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Descubra os diferentes tipos de seguro de vida cr\u00e9dito habita\u00e7\u00e3o e qual o mais adequado para si. 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