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Health insurance in Portugal

Home | Health insurance in Portugal

Health insurance in Portugal

Inov Expat is fully knowledgeable of health insurance in Portugal and can, therefore, advise you on the most appropriate choice of health insurance for your needs. We are an insurance brokerage firm that has been working with the best insurance companies in the market since our foundation in 2004 to be able to offer you a health insurance solution in Portugal “customised” for you and at the best price. We can answer all your questions as well as handle any claims necessary throughout the term of your health insurance policy and act as privileged liaisons to defend your rights against insurance companies. Our service is free. Don’t forget to ask for your quote and find the best health insurance here

GET FREE HEALTH INSURANCE QUOTES ONLINE
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  • Healthcare Network with excess

  • €30month

  • Free use of the Healthcare Network
  • General and specialty medicine
  • Hospital assistance
  • Assistance abroad
  • Second medical opinion
  • Childbirth
  • Dental care (optional)
  • Serious illness
  • Reimbursement for care in Spain and abroad
  • Free choice of doctors in Spain and abroad
  • Quote
  • Healthcare Network without excess

  • €40month

  • Free use of the Healthcare Network
  • General and specialty medicine
  • Hospital assistance
  • Assistance abroad
  • Second medical opinion
  • Childbirth
  • Dental care (optional)
  • Serious illness
  • Reimbursement for care in Spain and abroad
  • Free choice of doctors in Spain and abroad
  • Quote
  • Healthcare Network + Free choice of doctors

  • €50month

  • Free use of the Healthcare Network
  • General and specialty medicine
  • Hospital assistance
  • Assistance abroad
  • Second medical opinion
  • Childbirth
  • Dental care (optional)
  • Serious illness
  • Reimbursement for care in Spain and abroad
  • Free choice of doctors in Spain and abroad
  • Quote

FAQ

INOV Expat can advise and help you choose a policy thanks to its experience and knowledge of health insurance in Portugal, always communicating with you in English.

Don’t think twice about asking for comparative options for health insurance in Portugal here

How does the public health system works in Portugal?

Thanks to European healthcare coordination agreements, European expatriates can benefit from the same healthcare and reimbursement conditions as the Portuguese via the public healthcare system SNS (Servicio nacional de Saùde) which has various health centres throughout the country (Centros de Saúde). Registration with the SNS is mandatory as soon as you begin working in Portugal. In order to do so, you must go to your local healthcare centre with valid ID (passport or national identity card), a certificate of social security registration and a document proving your residency in Portugal: a health card (cartão de utente do SNS) and a “family” doctor will be assigned to you. In fact, with the Portuguese public healthcare system, no one chooses their doctor and pre-authorisation is needed to consult a specialist.

In the event of an emergency, patients may go the closest Serviço de Atendimento Permanente or hospital: the integrated medical emergency system may be contacted by calling 112 or the medical emergency number (+351) 808 242 424.

Why take out health insurance in Portugal?

Portugal is ranked 14th by the HCP (Health Consumer Powerhouse), a Swedish organisation that assesses the healthcare systems in 35 European countries. Even if care in the Portuguese public health system is of quality, the constraint of an imposed primary care doctor and long waiting periods before being able to see a specialist or have an operation often forces people to turn to the private healthcare sector. The social security system in Portugal does not reimburse “private” medical costs: patients must pay all of these medical fees.

Therefore, health insurance allows patients to bear the costs of the private healthcare system by facilitating access to the best quality health services.

Depending on your needs, your health insurance in Portugal will either allow you access to a network of healthcare services or a “premium” option with free choice of doctors. In the first case, the insured chooses providers from the insurance company’s approved list (doctors, clinics, hospitals) to benefit from reduced rates while with the free-choice option, the insured pays all costs in advance which are later reimbursed at the percentage covered by the policy.

How do I choose which health insurance policy to buy?

Keeping your insurance in UK with covers that extend to the country where you decide to move to seems like the simplest option in the beginning. Nonetheless, besides reimbursement conditions that poorly adapt to the local healthcare system and the longer reimbursement periods, this solution may prove to be rather costly in practice. Now then, although you may often choose automobile or home insurance based on the price, with health insurance, it’s best to consider the guarantees as well as speed of reimbursement above all else. Beyond the traditional covers (hospitalisation, care in the event of illness or an accident), you should verify whether the health insurance policy in Portugal actually corresponds to your needs: if you travel often, is the cover valid abroad? Would you like to continue seeing your habitual specialist in UK? How often do you go to the doctor (occasionally, frequently)?

We adapt your health insurance policy in Portugal to your needs. Don’t think twice about contacting us so we can present you with a health insurance solution that best adapts to your own needs.

Does my health insurance cover me abroad?

The policies signed in the country of residence usually include cover abroad for periods of 60 to 180 days, depending on the contract. This guarantee is for emergencies or accidents only.

What is a health card for?

Upon signing a health insurance policy, you will be issued a health card: it covers all the members of your family for whom you pay the premium. With this card, you may access the hospitals and doctors approved by the chosen insurance company and benefit from single rooms in the event of hospitalisation, for example. Finally, if you have a need while traveling outside Portugal, your health card will allow you access to repatriation and travel assistance services.

Information

Unlike other European systems, the Portuguese public healthcare system (SNS) does not reimburse any consultations in the private sector. Health insurance allows patients to bear the costs of the private healthcare system by facilitating access to the best quality care.

  • The Premium

  • Regulations

  • +Info

Your health insurance premium will depend on your age, the number of people to be insured in your household as well as the scope of the guarantees. In order to best adapt your health insurance in Portugal, it is important to speak to professionals who can offer personalised advice.

There are two co-existing healthcare systems in Portugal. The public healthcare system is nearly free (you simply pay around €5 for primary care visits or €20 for emergency care, for example) and then there’s the private healthcare system where there are no regulated rates.

Portugal is ranked 14th by the HCP (Health Consumer Powerhouse), a Swedish organisation that assesses the healthcare systems in 35 European countries.

There are 107 state-of-the-art private hospitals in Portugal.

Download our Health Insurance Guide

Take a look at our health insurance guide INOV will assist you throughout your expatriate stay.
Download the guide and discover all the details regarding health insurance in Portugal.
Questions? Contact us. We’ll communicate with you in the language of your choice.

Download

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  • Our countries
    • Spain
    • Portugal
  • Individuals
    • Car
    • Motorbike
    • Health
    • Health +65 years old
    • Dental
    • Home
    • Personal Accident
    • Life
    • Funeral
    • Travel
    • Pets
    • Boat
    • Expatriation
  • Business
    • Work Accidents
    • Store/Office
    • All-risks Company
    • Civil Liability
    • Health Company
    • Life Company
    • Communities / Buildings
    • D&O Liability
    • Decennial Liability
    • Hunting Liability
    • Construction All-Risks
    • Fleet
  • Clients
    • Declare a claim
    • Ask for a Certificate
    • Contract Modifications
    • Insurance Glossary
  • About us
    • INOV Expat
    • The team
    • What’s an Insurance Broker?
  • Collaborate
  • Blog
  • EnglishEnglish
    • FrançaisFrançais
    • EnglishEnglish
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