Contestação

English translation: Contestability

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Portuguese term or phrase:Contestação
English translation:Contestability
Entered by: Eduardo López

19:39 Oct 14, 2020
Portuguese to English translations [PRO]
Bus/Financial - Insurance / Apólice
Portuguese term or phrase: Contestação
Dados da Apólice

Nº da Apólice: XXXX Ativa Nº da Proposta: YYYY
Data da Emissão: 05/06/2017 Início de Vigência: 05/06/2017
Tipo Contestação Apólice: Médica
Não contestação a partir de: 05/06/2019


________
Hello again, dear colleagues. Thank you in advance for your help with this term from the insurance field.
Eduardo López
Puerto Rico
Local time: 04:46
Contestability
Explanation:
The context is insurance not legal proceedings. The term contestability is specific to life insurance and means that the insurer can contest/cancel the policy and cover issued on the grounds of misrepresentation by the insured.

"The standard contestability period under Ontario law is 2 years. This means that once the policy is in force for a period of greater than 2 years, it can only be cancelled or voided in the event of a fraudulent misrepresentation. If the death occurs within the first 2 years, a simple error in answering the questions on the application for the life insurance can result in the claim being denied and the policy being rescinded. It is important to have the specific facts in every case reviewed by an experienced lawyer in life insurance claims to determine whether a claim denial has been properly made by the insurance company."

https://www.sharelawyers.com/what-is-a-contestability-period...

So in the case in question the policy is non-contestable as from 05/06/2019.

Selected response from:

Mark Robertson
Local time: 08:46
Grading comment
Thank you!
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +1Contestability
Mark Robertson
4 +1Objection
Teresa Freixinho
4Defense or answer
Daniela Duarte
3challenge
Ana Vozone
2Type of Voidable-Period Insurance Policy
Adrian MM.


Discussion entries: 1





  

Answers


5 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
Defense or answer


Explanation:
Answer or defense

Daniela Duarte
Brazil
Local time: 05:46
Works in field
Native speaker of: Native in PortuguesePortuguese
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8 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5
challenge


Explanation:
https://www.merriam-webster.com/dictionary/challenge

to dispute especially as being unjust, invalid, or outmoded : IMPUGN

Ana Vozone
Local time: 08:46
Native speaker of: Native in PortuguesePortuguese
PRO pts in category: 48
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2 hrs   confidence: Answerer confidence 2/5Answerer confidence 2/5
Bra.> Tipo Contestação Apólice
Type of Voidable-Period Insurance Policy


Explanation:
Não contestação a partir de: 05/06/2019 > no avoidance of the policy (so the underlying contract of insurance) for non-disclosure etc. and starting 05/06/2019, so two years after inception of the insurance term.

Contestação : Conformidade de testemunhos entry no. 5 / Aurelio






Example sentence(s):
  • IATE: COM pt contestação do direito do beneficiário de um seguro en contestation of the right of the beneficiary of an insurance > avoidance of an insurance beneficiary's entitlement ?
  • Período de não contestação: período definido nas condições gerais do seguro, no qual a seguradora não pode alegar doença ou lesão preexistente para *contestar o pagamento de benefício*

    Reference: http://iate.europa.eu/search/standard/result/1602710424833/1
    Reference: http://www.irmi.com/term/insurance-definitions/voidable
Adrian MM.
Austria
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 4
Login to enter a peer comment (or grade)

2 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
Contestability


Explanation:
The context is insurance not legal proceedings. The term contestability is specific to life insurance and means that the insurer can contest/cancel the policy and cover issued on the grounds of misrepresentation by the insured.

"The standard contestability period under Ontario law is 2 years. This means that once the policy is in force for a period of greater than 2 years, it can only be cancelled or voided in the event of a fraudulent misrepresentation. If the death occurs within the first 2 years, a simple error in answering the questions on the application for the life insurance can result in the claim being denied and the policy being rescinded. It is important to have the specific facts in every case reviewed by an experienced lawyer in life insurance claims to determine whether a claim denial has been properly made by the insurance company."

https://www.sharelawyers.com/what-is-a-contestability-period...

So in the case in question the policy is non-contestable as from 05/06/2019.



Mark Robertson
Local time: 08:46
Native speaker of: Native in EnglishEnglish
PRO pts in category: 36
Grading comment
Thank you!

Peer comments on this answer (and responses from the answerer)
agree  Paulinho Fonseca
25 mins
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2 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
Objection


Explanation:
Caros, essa contestação, provavelmente, está relacionada ao período em que a seguradora pode (ou não) alegar doença ou lesão preexistente para contestar o pagamento de benefício.

Portanto, não está claro que se trata de uma resposta a uma Petição Inicial, que também seria conhecida como "Contestação" ("Answer").

Teresa Freixinho
Brazil
Local time: 05:46
Works in field
Native speaker of: Portuguese
PRO pts in category: 12

Peer comments on this answer (and responses from the answerer)
agree  Mario Freitas:
2 hrs
  -> Obrigada, Mario!
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