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Recommendations for private healthcare

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soriold
12/24/2019 17:51 EST

Hi there,

My wife and I will be moving to / early retire in Portugal in a few years and would appreciate some help related to private health insurance. I grew up in Germany, have been living in the United States for 20 years and hold both German and US citizenship. My wife is Australian but has also been living in the States for a long time and holds Australian, US and English (through her father) citizenship.

We read a lot online about private health insurance in Portugal, obtained a few quotes to get a better feel but almost all offers were VERY expensive (e.g. between EUR 2,500 and EUR 6,000 per year / person). My wife will be 60 when we move to Portugal and I will be 53.

It would be great if you could share your experiences, recommendations and maybe also some price ranges so that we can correctly estimate our budget.

Thank you very much in advance !!!

Stefan

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tmac100
12/25/2019 03:18 EST

Hi Stefan,
I got Allantz health insurance with my AFPOP membership for just less than 2000€ a year. I am single and bought the insurance before I turned 71. After turning 71 it is a lot more expensive, so I bought it because in a couple of years when I move to Portugal, I will need it as a requirement for my PT long-term residency visa.
Those are my conditions and thoughts - they only suit me.
Your Mileage May Vary.

Oh, and Merry Christmas to all readers of this forum/thread.

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Aranthama
12/25/2019 03:22 EST

At 76, I got MGEN medical insurance, which uses the Advance Care network in Portugal, for 2000 euros/year. I got it through Insubuy, an insurance broker in Portugal.

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GeoffK
12/25/2019 04:55 EST

I am a 71yo Australian and have middle level cover through Medal. I did it through their office in Almancil. I pay about 900 Euros per half year. I joined Afpop which I think was a requirement.
Geoff

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craigandmicki
12/25/2019 08:23 EST

Soriold: In addition to Geoff sharing his experience with the Allianz plan purchased thru the Medal broker, which garners him a lower, group-based rate, I'd like to remind you that you both will qualify for the public health care in Portugal. I prefer having private coverage, as well, due to faster admissions to hospital and tests, and as Geoff pointed out it is very affordable, age-based and can include all pre-existing conditions.

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tmac100
12/25/2019 11:39 EST

Yes, I agree about access to health care in PT being accessable to all - once you are "in the system". That us what happens in a SOCIALISTIC country where progressive taxation is for the collective benefit of everyone.

If you do NOT want yo pay your fair share by taxation, stay where you live now!

As a Canadian taxpayer, I embrace PT, and it's way of doing things.
PLUS, no snow and nor below freezing temps ????

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expat health insurance from CIGNA

Choosing an expat health insurance provider is an important decision. Get a quote from our trusted expat health insurance partner, CIGNA. With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family.

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Titimejias
1/21/2020 15:12 EST

Would you please mind sharing the contact information of the person you bought the insurance from?
I can't find any decent prices and yours sounds fantastic.
Thank you in advance

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Titimejias
1/21/2020 15:16 EST

Would you please mind sharing the contact information of the person you bought the insurance from?
I can't find any decent prices and yours sounds fantastic.
Thank you in advance

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GeoffK
1/21/2020 23:53 EST

To whom is your question addressed?

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craigandmicki
1/22/2020 11:15 EST

to "soriold': Private health insurance in Portugal, as sold in Portugal, will not cost the two of you more than $3000/year for the top, deluxe plan. It's even less expensive if purchased at the group rates we enjoy by being part of 'afpop' and getting Allianz. If you have FB, find Miguel Salvador / Target Solutions and he can explain the various plans and secure you a good rate. Some people here, younger than 62, pay 500/year for basic coverage and some who are 70 pay 1600/year for coverage that includes discounts on dental, eye care and prescriptions. Tell Miguel that Craig sent you!

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