Health coverage in Portugal

Portugal offers a comprehensive health system to both its citizens and foreign residents. However, the limits of coverage, the overcrowding of certain public hospitals, and the waiting times for access to care lead many insured persons to turn to the private health sector. In order to benefit from better reimbursement, it is essential to take out complementary health insurance.

Get a quote according to the length of your stay:

Health insurance for expats in Portugal

The health insurance system in Portugal
 

The Portuguese National Health System (Sistema Nacional de Saúde or SNS) is available to all residents of the country regardless of nationality. 

Insured persons are registered with their local health centre (centro de saúde) and must choose a general practitioner. After that, they receive all primary services almost free of charge (sometimes with a small out-of-pocket expense), in particular: 

  • Consultations with their general practitioner
  • Specialist consultations, in private practice or in hospital, on referral from the GP
  • Hospitalisation in a public facility on the referral of the GP (except in case of emergencies)
  • Medicines (the reimbursement rate varies between 15 and 90%)

Dental care is also rarely covered (except for certain categories of insured persons such as the under-16s and pregnant women), as are optical aids. 

As for care provided in private health establishments, it is covered according to the same basic rates as those applied to private establishments. All excess fees are excluded from SNS coverage.

How to choose health insurance in Portugal: local or international?
 

The use of the Portuguese health system, therefore, generally leads to out-of-pocket expenses―sometimes substantial―for the insured, many of whom take out complementary health insurance.

Portuguese mutual insurance companies are relatively expensive and usually limit their coverage to care provided in the establishments in their network. Services provided in other countries during a stay abroad are also excluded from their coverage.

With international health insurance, expats in Portugal can benefit from tailor-made protection, thanks to guarantees and reimbursement levels adapted to their needs and situation as a foreign resident.

The cost of healthcare in Portugal

Liste exemple remboursements

GP CONSULTATION

A visit to a GP will cost on average €45 ($47)

APRIL International up to 45 €*

Out-of-pocket expenses 0€**

SPECIALIST CONSULTATION

A visit to a specialist will cost you between €50 to €80 ($52 to $85)

APRIL International up to 80 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - MATERNITY

You will need between € 2,000 and 3,200 (2,080 to 3,330) for a natural delivery

APRIL International up to 3200 €*

Out-of-pocket expenses 0€**

Disclaimer

Examples of average costs of care in the private health sector - APRIL International data 01/2022

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in Portugal

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Care in Portugal
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Choosing hospitals
 

In case of emergency, patients have the option of going to the public hospital of their choice, or a centro de saúde, which are listed by location on an official website

In non-emergency cases, any hospitalisation must be prescribed by the patient's GP if they wish to benefit from the SNS. This obligation of prior referral, combined with the lack of staff and resources in some regions, particularly rural ones, contributes to longer waiting times and saturation of many public hospitals.

To compensate for these disadvantages, private hospitalisation is an alternative chosen by insured persons, who thus benefit from faster treatment and sometimes a better quality of care.

Titre phone establishment list
Health facilities

Phone establishment list
Numéro de téléphone
Numéro de téléphone

Titre phone display
Emergency numbers in Portugal

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Label
National health number
Phone number
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Nearest pharmacy
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General emergencies (fire, police and ambulance) can be contacted on 112 throughout the EU

A broad care network in Europe

APRIL International has an extensive network of hospitals, clinics, and healthcare providers where you can benefit from direct billing services and high quality care in Portugal and across the world.

To find your nearest health professional or partner establishment in just a few clicks, go to your Easy Claim application.

Services group
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FLEXIBLE PROTECTION
Description
Reimbursement of health expenses from the first euro/dollar, including in private hospitals
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TRAVEL WITH PEACE OF MIND
Description
Coverage in Portugal, or even in other countries when you travel
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OPTICAL & DENTAL CARE
Description
Reimbursement of optical and dental care (option)
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UNLIMITED TELEMEDICINE SERVICE
Description
A free medical telemedicine service available 24/7 anywhere in the world
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MEDICAL TRANSPORT
Description
Repatriation assistance is included in your cover
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DIRECT BILLING
Description
In the event of hospitalisation, you pay nothing out of pocket

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We care about our clients

The opinion of our customers is important and allows us to better meet their expectations. To this end, we collect the opinions of our policyholders via a questionnaire sent by the independent platform eKomi.

We care about our clients

08/07/2022

I havent received the insurance documents and hope you can give them to me

08/07/2022

Perfect Thank you

28/06/2022

Appreciated the call back and help completing the application form