For those who chose Portugal as their new home, thinking about bureaucracy linked to life abroad is already part of the routine. But there are issues that, although difficult, deserve attention, such as the transfer of mortal remains to Brazil. In unexpected situations, costs can easily exceed €6,000 (almost R$40,000), in addition to involving a series of legal steps.
If there is any hassle at a time like this, a common aspect in both Portugal and Brazil is that there are specific insurance policies that help cover this process, bringing greater peace of mind to families in times of mourning. In yet another Immigrant Guide to DN Brazilwe show some of the options here and there.
Why consider this insurance?
The Brazilian Government, historically, did not pay for sending bodies from abroad. This has led many families to turn to online campaigns to facilitate the return of loved ones.
Recently, cases that mobilized public opinion, such as that of Brazilian Juliana Marins, who died in Indonesia a few months ago, raised awareness in the country and led to changes in legislation.
Still, the rules are strict and not all situations apply (details below). Therefore, taking out insurance remains the safest alternative.
Financial institutions in Portugal offer specific insurance for foreigners residing in the country, with coverage for repatriation in the event of serious illness, accident or death. Some of the main points of this type of policy are:
– Coverage: transportation of the insured person to the country of origin in case of death, accident or serious illness, with insured capital that can reach €30 thousand;
– Public: people up to 75 years of age who are not citizens of the European Union and who legally reside in Portugal;
– Frequent requirement: many people take out this insurance for Residence Permit processes, as well as health insurance
– Costs: policies can start from €10.90 per year, plus initial administrative fees;
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In addition to the affordable price, insurance can include medical and logistical assistance, medical decisions about transportation and support in the legal process.
In Brazil, banks and insurance companies such as BB Seguros offer life insurance plans that include coverage for the transfer of the body, relieving the family’s financial burden when a death occurs outside the country. These plans usually include logistical costs and transportation fees, documentation, assistance in arranging return to the burial site and, in some cases, preparation and conservation of the body.
Coverage can be part of affordable plans, such as Vida Leve, Vida Plena and Vida Total, varying depending on the package and the needs of the insured.
And how to activate coverage? In the event of death, the family must take the following steps
– Contact the insurance company immediately
– Present death certificate and documents of the insured
– Enter the burial place in Brazil
– Follow the instructions provided by the service center
The objective is to simplify the process so that the family can focus on grieving with fewer worries.
The new rules of the Brazilian Government
After the case of Juliana Marins, the Federal Government authorized Itamaraty to pay for the transfer of Brazilians who died abroad in specific situations. Support will be granted when:
– The family demonstrates financial incapacity
– There is no insurance that covers the transfer
– Death generates public commotion
– There is budget availability
The Ministry of Foreign Affairs will still regulate the process, but, for now, the government reinforces that insurance remains the safest way guarantee repatriation, as not all situations will meet these conditions.