{"id":2224,"date":"2025-11-27T11:22:51","date_gmt":"2025-11-27T10:22:51","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=2224"},"modified":"2025-11-27T12:30:14","modified_gmt":"2025-11-27T11:30:14","slug":"jurisprudencia-1-3-2-2-2-2-3-3-2-2-2-2-2-2-2-2-3-2-2-3-2-3-3-4","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=2224","title":{"rendered":"LEGISLA\u00c7\u00c3O NACIONAL"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_section-7fa5d6f8b32b5b68caf5c44a1c5cef42\">\n.avia-section.av-av_section-7fa5d6f8b32b5b68caf5c44a1c5cef42{\nbackground-color:#ea3000;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-av_section-7fa5d6f8b32b5b68caf5c44a1c5cef42{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-av_section-7fa5d6f8b32b5b68caf5c44a1c5cef42 main_color avia-section-small avia-no-border-styling  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.av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 .av-special-heading-tag .heading-wrap:after{\nborder-color:rgba(0,0,0,0.01);\n}\n\n@media only screen and (max-width: 479px){ \n#top .av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 .av-special-heading-tag{\nfont-size:17px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18{\nmargin:0 0 -35px 0;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mihcd2qd-d6927b1b67ec1f4011d079491916dc18 av-special-heading-h6 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size'><h6 class='av-special-heading-tag'  itemprop=\"headline\"  >Newsletter APS #12 | novembro 2025<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div><\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-2224'><div class='entry-content-wrapper clearfix'><div  class='flex_column av-trht6-2531b05852eb1b77cb261c9b9e83c8d6 av_one_full  avia-builder-el-3  el_after_av_section  avia-builder-el-no-sibling  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1\">\n#top .av-post-metadata-container.av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1 .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1 av-metadata-container-align-left  avia-builder-el-4  el_before_av_heading  avia-builder-el-first  av-metadata-container-1'><div class='av-post-metadata-container-inner'><span class=\"av-post-metadata-content av-post-metadata-meta-content\"><span class=\"av-post-metadata-content av-post-metadata-category\"><span class=\"av-post-metadata-category-link\" ><a href=\"https:\/\/segurosecidadania.pt\/?cat=20\" >Legisla\u00e7\u00e3o e regulamenta\u00e7\u00e3o nacional<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1b9wa-55d7dcb652229b6dbb6baff9f6836032\">\n#top .av-special-heading.av-1b9wa-55d7dcb652229b6dbb6baff9f6836032{\nmargin:0 0 0 0;\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-1b9wa-55d7dcb652229b6dbb6baff9f6836032 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-1b9wa-55d7dcb652229b6dbb6baff9f6836032 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 20px 0;\n}\n.av-special-heading.av-1b9wa-55d7dcb652229b6dbb6baff9f6836032 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-1b9wa-55d7dcb652229b6dbb6baff9f6836032 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-1b9wa-55d7dcb652229b6dbb6baff9f6836032 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-1b9wa-55d7dcb652229b6dbb6baff9f6836032 av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_textblock  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >LEGISLA\u00c7\u00c3O NACIONAL<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-lpcvxr49-658fa9932d29cf43ab3d722201b819e3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2226\" src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional.jpg\" alt=\"\" width=\"2000\" height=\"800\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/11\/Legislacao-nacional-705x282.jpg 705w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/p>\n<\/div><\/section><br \/>\n<section  class='av_textblock_section av-av_textblock-e29a03ab394675873314ddc250eafc76 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div><\/div>\n<div><\/div>\n<p style=\"font-weight: 400;\">Conhe\u00e7a a recente legisla\u00e7\u00e3o publicada, ao n\u00edvel nacional, com impacto no setor segurador:<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/portaria\/423-2025-953220529\">Portaria n.\u00ba 423\/2025\/1, de 26 de novembro<\/a><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/portaria\/423-2025-953220529\">\u00a0<\/a>&#8211; Define o capital m\u00ednimo coberto e as condi\u00e7\u00f5es do seguro de responsabilidade civil que os especialistas em f\u00edsica m\u00e9dica est\u00e3o obrigados a dispor, conforme o previsto no n.\u00ba 2 do artigo 162.\u00ba do Decreto-Lei n.\u00ba 108\/2018, de 3 de dezembro.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/decreto-lei\/123-2025-949908817\">Decreto-Lei n.\u00ba 123\/2025, de 21 de novembro<\/a>\u00a0&#8211; Estabelece os requisitos aplic\u00e1veis ao alojamento tempor\u00e1rio destinado a trabalhadores deslocados do setor da constru\u00e7\u00e3o civil.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/lei\/64-2025-944874408\">Lei n.\u00ba 64\/2025, de 7 de novembro<\/a>\u00a0&#8211; Altera o C\u00f3digo do Imposto sobre o Rendimento das Pessoas Coletivas, reduzindo as taxas gerais.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/lei\/62-2025-942401300\">Lei n.\u00ba 62\/2025, de 27 de outubro<\/a>\u00a0&#8211; Introduz o regime de grupos de IVA, que consiste na consolida\u00e7\u00e3o dos saldos do IVA a pagar ou recuperar por parte dos membros de um grupo de entidades, unidas por v\u00ednculos financeiros, econ\u00f3micos e organizacionais.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/decreto-lei\/115-2025-942401303\">Decreto-Lei n.\u00ba 115\/2025, de 27 de outubro<\/a><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/decreto-lei\/115-2025-942401303\">\u00a0<\/a>&#8211; Altera o regime jur\u00eddico do Registo Central do Benefici\u00e1rio Efetivo, transpondo o artigo 74.\u00ba da Diretiva (UE) 2024\/1640, relativa aos mecanismos a criar pelos Estados-Membros para prevenir a utiliza\u00e7\u00e3o do sistema financeiro para efeitos de branqueamento de capitais ou de financiamento do terrorismo.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/resolucao-assembleia-republica\/147-2025-939474951\">Resolu\u00e7\u00e3o da Assembleia da Rep\u00fablica n.\u00ba 147\/2025, de 13 de outubro<\/a><a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/resolucao-assembleia-republica\/147-2025-939474951\">\u00a0<\/a>&#8211; Recomenda ao Governo que introduza melhorias e atualiza\u00e7\u00f5es \u00e0 legisla\u00e7\u00e3o sobre doen\u00e7as profissionais.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">Esta informa\u00e7\u00e3o encontra-se dispon\u00edvel no <em>site<\/em> da APS, no men\u00fa de topo <a href=\"https:\/\/www.apseguradores.pt\/pt\/legisla%C3%A7%C3%A3o\">\u2018Legisla\u00e7\u00e3o\u2019<\/a>.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\"><strong>Novas regras de acesso ao Registo Central do Benefici\u00e1rio Efetivo \u2013 agora s\u00f3 com interesse leg\u00edtimo<\/strong><\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">O <a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/decreto-lei\/115-2025-942401303\">Decreto-Lei n.\u00ba 115\/2025, de 27 de outubro<\/a>, vem alterar o regime jur\u00eddico do Registo Central do Benefici\u00e1rio Efetivo (RCBE), aprovado pela <a href=\"https:\/\/diariodarepublica.pt\/dr\/legislacao-consolidada\/lei\/2017-108031925\">Lei n.\u00ba89\/2017, de 21 de agosto<\/a>, transpondo para o ordenamento jur\u00eddico portugu\u00eas o artigo 74.\u00ba, da <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/PT\/TXT\/?uri=CELEX:32024L1640\">Diretiva (UE) 2024\/1640, de 31 de maio<\/a>. Este diploma integra o novo pacote legislativo europeu sobre branqueamento de capitais e financiamento do terrorismo.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">O RCBE tem como objetivo identificar as pessoas singulares que det\u00eam o controlo efetivo das entidades jur\u00eddicas. Para as seguradoras esta informa\u00e7\u00e3o \u00e9 relevante, na medida em que contribui para o cumprimento dos deveres de identifica\u00e7\u00e3o e dilig\u00eancia a que est\u00e3o adstritas, nomeadamente quando estabelecem rela\u00e7\u00f5es de neg\u00f3cio com os seus clientes. As seguradoras s\u00e3o entidades obrigadas no contexto da <a href=\"https:\/\/diariodarepublica.pt\/dr\/legislacao-consolidada\/lei\/2017-108024643\">Lei n.\u00ba83\/2017, de 18 de agosto<\/a>, relativa \u00e0 preven\u00e7\u00e3o do branqueamento de capitais.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">Como principal novidade, <strong>as pessoas ou entidades que queiram aceder \u00e0 informa\u00e7\u00e3o do RCBE ter\u00e3o de demonstrar um interesse leg\u00edtimo<\/strong>. O anterior regime previa um acesso p\u00fablico generalizado; agora, \u00e9 exigido um interesse leg\u00edtimo que, no caso das seguradoras poder\u00e1 existir para efeitos contratuais, tal como decorre do artigo 40.\u00ba da <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/PT\/TXT\/?uri=CELEX:32024L1640\">Diretiva (UE) 2024\/1640, de 31 de maio<\/a>.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">A <strong>demonstra\u00e7\u00e3o do interesse leg\u00edtimo ser\u00e1 avaliada caso a caso pelo Instituto dos Registos e Notariado<\/strong> (IRN, I.P.). O modo de acesso \u00e0 informa\u00e7\u00e3o e os dados de identifica\u00e7\u00e3o dos utilizadores recolhidos pelo IRN, I.P., ser\u00e3o objeto de regulamenta\u00e7\u00e3o pr\u00f3pria atrav\u00e9s de portaria. Para efeitos de auditoria e controlo, todos os acessos ser\u00e3o registados por um per\u00edodo de cinco anos, nomeadamente o motivo e o fundamento apresentados.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">O Decreto-Lei prev\u00ea ainda a possibilidade de acesso \u00e0 informa\u00e7\u00e3o do RCBE atrav\u00e9s de uma <strong>carteira digital<\/strong>, a regulamentar em diploma pr\u00f3prio.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">Em suma, e embora permane\u00e7am algumas quest\u00f5es que ser\u00e3o esclarecidas em regulamenta\u00e7\u00e3o posterior, as altera\u00e7\u00f5es ao regime do RCBE procuram refor\u00e7ar a prote\u00e7\u00e3o dos dados pessoais dos benefici\u00e1rios efetivos, assegurando simultaneamente os objetivos de transpar\u00eancia e combate ao branqueamento de capitais.<\/p>\n<div><\/div>\n<\/div><\/section><\/p><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Conhe\u00e7a a recente legisla\u00e7\u00e3o publicada, ao n\u00edvel nacional, com impacto no setor segurador.<\/p>\n","protected":false},"author":1,"featured_media":2226,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"quote","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-2224","post","type-post","status-publish","format-quote","has-post-thumbnail","hentry","category-legislacao-regulamentacao-nacional","post_format-post-format-quote"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2224","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2224"}],"version-history":[{"count":1,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2224\/revisions"}],"predecessor-version":[{"id":2227,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2224\/revisions\/2227"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/2226"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}