PRIVATE HEALTHCARE IN PORTUGAL
Looking for private Health Insurance for yourself or your family?
Explore available cover for hospitalisation, outpatient care and other healthcare needs, depending on the option selected and applicable conditions.
HEALTH INSURANCE IN PORTUGAL
Health Insurance in Portugal
Private health insurance for you or your family, with personalised support in English.
- Private healthcare access
- Support in English
- Options for individuals and families
From €7.24/month*
*Base option. Published price for the age-20 band. Premium varies according to age, selected cover, underwriting and applicable policy conditions.
- Private provider network
- Hospital and outpatient care
- Individuals and families
- Support in English
PRIVATE HEALTHCARE IN PORTUGAL
Why consider private Health Insurance in Portugal?
Private Health Insurance in Portugal—sometimes described as medical insurance—may provide access to private providers, consultations and specialist care. The network, services and limits depend on the selected option and applicable policy conditions.
For people arriving from abroad, private cover may be one healthcare option to consider when planning a move to Portugal. Eligibility and cover remain subject to underwriting and the applicable terms.
- Private healthcare providers
- Consultations and specialist care, where included in the selected option
- Options for individuals and families, subject to underwriting
- Personalised support in English through the quote process
What do you need Health Insurance for?
MOVING TO PORTUGAL
Preparing your move to Portugal or a visa/residence-related process?
Tell us your situation when requesting a quote and we can review the Health Insurance option we are able to quote.
A Portuguese NIF is required to proceed with the quotation.
What can Health Insurance include?
Depending on the selected option and applicable policy conditions, cover may include:
Hospitalisation
Eligible hospital treatment and surgery, within the applicable limits.
Outpatient care
Consultations, tests and treatment without hospital admission, where included.
Dental care
Cover or network access where available in the selected option.
Medicines, prostheses and orthoses
Benefits may be available subject to contracted limits and terms.
Mental health and online doctor
Services may be available depending on the cover selected and conditions.
Assistance and international cover
Assistance, territory and eligible expenses depend on the selected option and policy terms.
Cover, limits, co-payments, deductibles, waiting periods, exclusions and eligibility depend on the selected option and applicable policy conditions.
REQUEST A HEALTH INSURANCE QUOTEGetting a Health Insurance quote is simple
- 01
Tell us who to insure
Add each person's date of birth and tell us who you would like to include.
- 02
Complete the required details
A Portuguese NIF and postcode are required. No clinical information is requested in the public SegurPT quote form.
- 03
Submit your request
We review the details provided and contact you if anything needs clarification.
REQUEST A HEALTH INSURANCE QUOTE
Online request · No obligation to purchase.
During formal underwriting, a mandatory health questionnaire may apply.
PLANNING A MOVE
Moving to Portugal?
If you are preparing a move to Portugal, private Health Insurance may be one of the healthcare options you want to consider.
If insurance forms part of a visa or residence-related process, tell us your situation when requesting a quote.
Requirements can vary depending on the procedure, your circumstances and the authority handling the application.
A Portuguese NIF is required to proceed with the Health Insurance quotation through SegurPT.
REQUEST A HEALTH INSURANCE QUOTESegurPT does not guarantee that a particular policy or document will be accepted by AIMA, a consulate or another authority.
What should you know before choosing Health Insurance?
Price is only one part of the decision. Check how your selected policy works when you need healthcare.
Within the applicable provider network, contracted conditions apply when eligible healthcare providers are used and you may pay the applicable co-payment.
Where an option provides for care outside the network, different reimbursement rules, percentages and limits may apply.
Confirm the provider network and reimbursement conditions for the option quoted.
A co-payment is an amount payable by the insured person when using certain covered services. A deductible is an amount that remains the insured person's responsibility in circumstances set out in the contract.
Amounts and how they apply depend on the option, cover and policy conditions.
Waiting periods vary by cover and are set out in the conditions applicable to your proposal. Some procedures and pregnancy-related cover may have longer waiting periods.
The General Conditions state that no waiting period applies to an accident requiring urgent hospital treatment, defined as treatment within 48 hours of the event. Confirm the periods and any exceptions for the option quoted.
Capital amounts, sublimits and exclusions vary by option and contracted cover. The General Conditions list exclusions such as pre-existing illness or injury, pre-existing pregnancy, certain congenital conditions, routine check-ups, and cosmetic or plastic treatment. Contractual exceptions may apply; review the terms that apply to your proposal.
The General Conditions state that cover is valid in Portugal and may apply abroad in limited circumstances, including an accident or sudden illness during a temporary stay of up to 60 days, or when a medical entity appointed by the insurer or AdvanceCare confirms treatment cannot be provided in Portugal. The selected cover, assistance terms, limits and contractual conditions apply. The current product information lists reimbursement for eligible expenses in Spain; international cover elsewhere depends on the selected option.
Some options may include serious-illness cover or oncology-related services, including provisions linked to the Fundação Champalimaud and Onco-Risco. Availability and terms depend on the selected option.
Review the applicable documentation before purchasing; this summary does not replace it.
Why request your quote through SegurPT?
Personalised support in English
Support during the quote process.
ASF-registered insurance agent
Registered for Life and Non-Life insurance distribution.
Generali Tranquilidade solutions
Options remain subject to underwriting and product terms.
Clear explanation of options
Understand relevant cover, limits and conditions before deciding.
Carolina Rezende Monteiro de Castro · Insurance Agent registered with ASF under No. 326597230 for Life and Non-Life insurance.
Frequently asked questions about Health Insurance
The current official published price for the Base option is from €7.24/month for the age-20 band. Your premium varies according to age, selected cover, underwriting and applicable policy conditions. Request a quote to understand the premium that may apply to you.
Yes. You can request cover for yourself and family members. Each person is subject to the applicable underwriting rules; a quote request does not guarantee acceptance.
The selected option may provide access to private healthcare providers in Portugal. The applicable network, co-payments, limits and any out-of-network reimbursement depend on the option and policy conditions.
Waiting periods vary by cover and selected option. The applicable waiting periods, including any exceptions, are set out in the proposal and policy conditions.
A co-payment is an amount you pay when using certain covered services. A deductible is an amount that remains your responsibility in circumstances set out in the contract. Amounts and how they apply vary by option and policy conditions.
Yes. A Portuguese NIF and postcode are required to proceed with a Health Insurance quote through the public SegurPT form. No clinical information is requested in that public form. Formal underwriting may require a mandatory health questionnaire.
You may request a quote before moving if you already have the Portuguese NIF required to proceed through SegurPT. The option available and information required depend on your circumstances, underwriting and applicable policy conditions.
Yes, health coverage may be relevant in some visa or residence-related procedures. The exact requirements depend on the procedure, your circumstances and the authority handling the application. If this applies to you, tell us your situation when requesting a quote. A Portuguese NIF is required to proceed with the Health Insurance quotation through SegurPT.
Health Insurance may be relevant in some residence-related procedures, but the requirements depend on your circumstances, the type of process and the authority handling the application. When requesting a quote, tell us if your insurance is related to a visa or residence process. SegurPT does not guarantee that a particular policy or document will be accepted by AIMA, a consulate or another authority.
Yes. SegurPT provides personalised support in English during the quote process. Official Generali Tranquilidade documentation may be in Portuguese; we can explain relevant information in English.
Official Health Insurance Documentation
- Insurance Product Information Document — Individual HealthVIEW DOCUMENT (PDF)
- Individual Health Insurance ProposalVIEW DOCUMENT (PDF)
- General Terms and Conditions — Health InsuranceVIEW DOCUMENT (PDF)
Official Generali Tranquilidade documentation (Generali Seguros, S.A. — ASF No. 1197). The links open documents hosted by the insurer.
Request a Health Insurance Quote in Portugal
Tell us who you would like to insure and submit your request online. We review the information and contact you if anything needs to be confirmed.
From €7.24/month*
REQUEST A HEALTH INSURANCE QUOTEOnline request · No obligation to purchase.
*Base option. Published price for the age-20 band. Premium varies according to age, selected cover, underwriting and applicable policy conditions.