Health Insurance in Portugal

Portugal offers a robust healthcare system, consisting of both public and private sectors. The public healthcare system provides universal coverage to residents, while the private sector offers an alternative for those seeking more immediate or specialized care. Understanding the health insurance system is crucial for expats and digital nomads moving to or living in Portugal.

Health Insurance Companies in Portugal

Some of the most popular health insurers in Portugal include Médis, Multicare, and AdvanceCare. These companies offer a range of health insurance plans tailored to different needs and budgets. Expats are eligible to purchase health insurance from these companies, provided they meet the standard application requirements. Médis is known for its comprehensive coverage and customer service, while Multicare offers competitive pricing and a wide network of healthcare providers. AdvanceCare is notable for its flexible plans and international coverage options.

Expat Health Insurance in Portugal

Expats living in Portugal sometimes opt for specialized expat health insurance plans. These plans are designed to cater to the unique needs of expats, providing benefits such as coverage in multiple countries, medical evacuation services, and translation assistance. Some expats choose these plans for the peace of mind that comes with knowing they have global coverage, especially if they travel frequently or maintain residences in multiple countries.

Local Health Insurance vs. Expat Health Insurance

The choice between local health insurance and specialized expat health insurance depends on individual preferences and circumstances. Some expats and digital nomads find that local health insurance providers like Médis, Multicare, and AdvanceCare offer sufficient coverage for their needs, especially if they plan to stay in Portugal long-term. Others prefer the flexibility and additional benefits provided by specialized expat health insurance plans, particularly if they frequently move between countries.

Considerations When Choosing Health Insurance Overseas

When deciding on health insurance while living overseas, it is important to consider factors such as the extent of coverage, the cost of premiums, and the claims process. Some insurers may pay the hospital or healthcare provider directly, while others may require you to pay upfront and submit claims for reimbursement. Additionally, consider any specific medical needs or conditions you may have, as well as the reputation and customer service of the insurance provider. It is crucial to thoroughly review the policy details to ensure you are choosing the best option for your health and peace of mind.

Expats talk about Health Insurance in Portugal

"The cost of public medical care in Portugal is affordable once you're on the National Health System. I have not yet used the private services, so I can't compare their costs, but everyone I know who uses them (especially Americans) says the cost is relatively low. In Portugal there are small co-pays, which are cheaper than in the States (when I lived there), but I've never had to pay a co-pay in Canada (and I've lived in 5 provinces)," commented one expat living in Porto, Portugal.

"I just obtained private insurance through Millenium Bank. Since I am 70 (oops - 71 today). I am limited in companies that will write me. The company is Medis (sp?) and will cost me 30 euros per month. A STEAL - compared to the $230 I'm paying in the US for a Medicare Supplement. They will write people up to 75 Ana, once written, must continue to renew. There is a 60-day waiting period, so the bank will process it 60 days before I move there," mentioned one expat living in Portugal.

"We are required to have a private policy that meets the Schengen Community requirements (go to their website). The highest quality of coverage won't cost more than 3,000 euros a person/year (2017) and most retirees are paying only 2,000 euros annually. This includes dental and eye care, surgeries, private hospital room, unlimited doctor visits and tests," said an expat in Portugal.

"Healthcare rates are somewhat dependent on your age. I am 69 I pay about $180 a month with MGen. I don't have the lowest benefit or the highest, I am somewhere in the middle. I went with MGen for the following reasons. No limit on renewability...my age will never disqualify me from renewing my plan. They accept pre-existing conditions. I used a service called Serenity to help me navigate the various healthcare providers. You can do this yourself, I just preferred not to. If you join Afpop I believe you can buy MGen through them and get a discounted rate," remarked one member living in Portugal.