English to Portuguese Bus/Financial Insurance Business/commerce

We often meet people who think that by insuring themselves, they will be covered for anything that might happen to them. Unfortunately, this is not correct as all insurance policies come with terms and conditions.
Many people either when they go abroad or when they are diving are concerned about the medical expenses that they may incur whilst abroad or following an incident. Most of us buy insurance without reading the Policy Terms and Conditions and thus without knowing what is insured and what is not insured….Sentence or paragraph where the term occurs, type of document (legal document, formal letter, etc.), target audience, source and target country, dialects, etc.