Health Insurance in Portugal
Looking for private health insurance in Portugal? Request a quote for yourself or your family.
How private health insurance works in Portugal
Portugal has a public health system (SNS), and many residents also choose private health insurance for faster access to appointments, exams and treatment in private hospitals and clinics. What you can use — and how much you pay per visit — depends on the plan, its network and its co-payments. Moving to Portugal with your family? It is worth reviewing the options before you need them.
Individual and family options
Plans can cover one person or the whole family, with each person’s age taken into account. When you request a quote, include the date of birth of everyone you want to insure and choose whether you are looking for an individual or a family option.
How to request a quote
Three short steps, no obligation:
Who to insure
Add the date of birth of each person and choose individual or family.
Policyholder details
The NIF of the person taking out the insurance.
Your contact details
Name, phone and any notes. Then just send it.
Information needed
- Date of birth of every person to insure
- NIF of the policyholder
- Contact details (name and phone; email optional)
Hospitalisation and outpatient cover
Hospitalisation
Usually the core of the plan: hospital admission and surgery costs, within the contracted limits.
Outpatient
Consultations, exams and treatments outside hospital. Decide whether it fits how you actually use healthcare.
Network & co-payments
Review which hospitals and clinics are in the network and what you pay per visit inside and outside it.
Waiting periods
Waiting periods are time windows after signing during which certain cover cannot be used yet. They vary between plans and cover types — review them before choosing, especially if you are planning treatment or expecting a baby.
Limits and exclusions
- Limits and capital amounts: maximum values covered per type of cover and per year. They should match your situation.
- Exclusions: situations not covered by the contract — for example, pre-existing conditions that were not declared. Always read the terms.
What to consider before choosing
Compare the network available near you, the co-payments per consultation or exam, the limits, the waiting periods — and how your family actually uses healthcare. When your quote is prepared, I explain each of these points for your specific case, before any decision.
Frequently asked questions
It depends on the age of the people being insured, the cover chosen, the capital amounts and options such as co-payments. Quotes are prepared case by case.
Yes. There are individual and family options — include the date of birth of every person to insure when requesting your quote.
They are periods after signing during which certain cover cannot be used yet. They vary between plans and should be reviewed before choosing.
Yes. Information and quote requests are available in English.