Health Insurance Options in Portugal as an Expat

Moving to a new country is an exciting adventure, but it also comes with a few challenges, especially when it comes to healthcare. As an expat in Portugal, ensuring access to quality healthcare should be a top priority. In this blog post, we will explore the various health insurance options available to expats in Portugal, both public and private ones.

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Public Health System (SNS):

Portugal boasts an efficient public health system known as Serviço Nacional de Saúde (SNS). The SNS provides affordable healthcare services to both Portuguese residents and expats. As an expat, you are eligible to access the SNS by obtaining a user card (Cartão do Utente) from your local health center. With this card, you can access a range of medical services at significantly lower costs compared to private options.

Health insurance coverage is typically a Portuguese visa requirement for long and short stays. If you cannot provide proof of health insurance to the appropriate authority, you may not be allowed to enter Portugal. You can still receive treatment at a Portuguese hospital or emergency room without health insurance but should expect to pay all medical costs.

The advantages of using this plan and not a private one are the fact it’s low-cost healthcare, a wide network of health centers and hospitals across the country, and comprehensive coverage for essential medical services. However, the waiting time can be longer and there might be limited English-speaking staff.

What Does Public Insurance Cover in Portugal?

The public healthcare system in Portugal covers most of the medical needs, which include hospital stays, doctor consultations, preventative care, diagnosis, and treatment of emergency and non-emergency cases. However, it usually does not provide coverage for dental care and cosmetic surgery. For any services not included, you can buy a private insurance policy to include those services as well or pay for the services out of pocket.

Private Health

Many expats in Portugal opt for private health insurance to supplement their coverage. Private health insurance offers a more extensive range of services, including access to private hospitals and clinics, English-speaking medical professionals, and shorter waiting times for treatments. Private health insurance in Portugal is widely available from well-known international private insurers as well as local companies. Quotes vary depending on the level of coverage, so using comparison websites can help with your search.

Before signing up for private health insurance in Portugal, check the policy for clauses giving insurers the right to change your policy at a certain age. Changing or taking out a new policy after retirement age is considerably more difficult and expensive. If you’re older, you may need to get cover from an international insurer.

Some of the largest private health insurance companies in Portugal include Allianz Care and Cigna Global. While private health insurance covers a broad spectrum of medical services, it's essential to be aware that some policies may exclude coverage for pre-existing conditions initially. It's advisable to thoroughly review the policy details and seek clarifications from the insurance provider about specific coverage limitations.

What is the European Health Insurance Card?

It is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway, and Switzerland, or the United Kingdom under the same conditions and at the same cost (free in some countries) as people insured in that country. The benefits covered include, for example, benefits provided in conjunction with chronic or existing illnesses as well as in conjunction with pregnancy and childbirth.

Emergency services in Portugal

Emergency medical services in Portugal are usually efficient with quick response times, ensuring prompt care for those in need. Expats residing in urban areas can expect timely emergency assistance without experiencing extended waiting periods.
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Many hospitals have dedicated ambulance services, further enhancing the emergency response capabilities. For expats living in rural regions, it is essential to be aware of the contact details of the nearest hospital. Having this information readily available can help ensure swift access to emergency care when needed.

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Portugal's emergency response vehicles are well-equipped and operated by highly trained professionals. This ensures that patients receive the necessary medical attention during critical situations.

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Expats in Portugal can use the general EU emergency number, 112, in case of emergencies. Operators on this helpline are often proficient in English, facilitating clear communication for non-Portuguese speakers. Additionally, expatriates should make a note of their nearest local embassy or consulate's contact details. This way, they can seek consular assistance if required during emergencies.

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There is also a "Linha de Saúde 24"  (health line 24), which is a 24-hour service that provides first assistance, counseling, and referral in situations of illness. The value of the call is the same as a call to the fixed network, and its number is 808 24 24 24.‍

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Navigating healthcare as an expat in Portugal involves weighing the benefits of the public Serviço Nacional de Saúde (SNS) against the convenience of private health insurance. While the SNS offers cost-effective care with a broad scope, private insurance provides swifter access and tailored services. The European Health Insurance Card aids seamless healthcare across EU nations. In emergencies, Portugal's efficient response system ensures timely care. Prioritizing health coverage empowers expats to embrace their new adventure with confidence and well-being.

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Frequently Asked Questions

Which is the best health insurance in Portugal?

Some of the better health insurance in Portugal are:

• Médis

• Bupa

• Allianz

• Multicare Fidelidade

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How much is health insurance for expats in Portugal?

The price of health insurance varies according to several factors, like age and benefits for example. But in Portugal, the basic packages start from 10 euros/month (they normally include hospitalization expenses, outpatient care, and basic mental health), while more complete packages can cost between 30 and 100 euros/month (usually including all the basic assistance, childbirth, treatment of serious illnesses, and sometimes offering international assistance).

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What does the European Health Card cover in Portugal?

This card allows you to receive medical assistance during a temporary stay in a European Union country, Iceland, Lichtenstein, Norway, or Switzerland. The European Health Insurance Card is an individual card, so each qualifying beneficiary and family member who travels to Portugal must have their own.

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For more informations about the European Health Card you can access the Portuguese Public Portal: https://eportugal.gov.pt/en/cidadaos-europeus-viajar-viver-e-fazer-negocios-em-portugal/cuidados-de-saude-em-portugal/cartao-europeu-de-seguro-de-doenca