Health Insurance in Portugal
Find the option that best suits you, with personalized advice in your language.
What are you looking for in your health insurance?
We recommend
XL Base
Ideal for: those who want to watch their budget but have insurance designed to use private healthcare.
This is a general guide. We'll help you choose the option that best suits your situation and needs.
We recommend
XXL Base + Extra
Our top recommendation
Ideal for: those looking for comprehensive, balanced coverage in Portugal, with added protection abroad
This is a general guide. We'll help you choose the option that best suits your situation and needs.
We recommend
Mais
Ideal for: those planning a pregnancy who want private prenatal care and childbirth coverage
This is a general guide. We'll help you choose the option that best suits your situation and needs.
We recommend
Top
Ideal for: those who want broader coverage and are willing to invest more in their health insurance.
This is a general guide. We'll help you choose the option that best suits your situation and needs.
Compare health insurance options
All plans grant access to the AdvanceCare medical network, but not all include consultations, exams, or the same coverage. Here’s a summary of the differences to help you understand which option might be the best fit for you.
Base
Ideal for those who want to pay less per month and access lower prices within the medical network
- Hospitalization: €15,000
- Access to the AdvanceCare network
- Online doctor
- Unlimited discounts on consultations, exams, and tests
- Discounts on dentistry
- Assistance abroad
- It does not include outpatient capital
From €7.24/month*
*Price is indicative. It varies depending on age, postal code, and contract terms.
XL Base
Ideal for those who rarely use the doctor, but want some consultations and tests included.
- Hospitalization: €15,000
- Essential Outpatient Clinic (8 consultations + 2 exams + 2 analyses)
- Access to the AdvanceCare network
- Online doctor
- Unlimited discounts on consultations, exams, and tests
- Discounts on dentistry
- Assistance abroad
From €15.70/month*
*Price is indicative. It varies depending on age, postal code, and contract terms.
XXL Base
Ideal for those who want to use insurance for consultations, analyses and exams with greater peace of mind.
- Hospitalization: €15,000
- Outpatient: €1,000
- Access to the AdvanceCare network
- Online doctor
- Mental health
- Physiotherapy
- Discounts on dentistry
- Assistance abroad
From €24.12/month*
*Price is indicative. It varies depending on age, postal code, and contract terms.
XXL+ Extra Base
Foreigners in Portugal, people who travel or those seeking more protection
- Hospitalization: €165,000
- Outpatient: €1,000
- Access to the AdvanceCare network
- Online doctor
- Discounts on dentistry
- International Coverage €150,000
- Oncology treatments Champalimaud €150,000
From €26.88/month*
*Price is indicative. It varies depending on age, postal code, and contract terms.
Mais
Ideal for those seeking more comprehensive coverage, with higher hospitalization and childbirth coverage
- Hospitalization: €75,000
- Childbirth or cesarean section
- Outpatient clinic €2,500
- Access to the AdvanceCare network
- Online doctor
- Discounts on dentistry
- Assistance abroad
- Optional: dental medicine, prosthetics, lenses
From €30.90/month*
*Price is indicative. It varies depending on age, postal code, and contract terms.
Top
Ideal for those who want the most complete option and the greatest protection.
- Hospitalization: €500,000
- Childbirth or cesarean section
- Outpatient clinic €5,000
- Medications €1,000
- Access to the AdvanceCare network
- Online doctor
- Stomatology and dental medicine €1,000
- International Coverage €500,000
- Serious Illnesses Abroad €1,000,000
- Oncology treatments Champalimaud €150,000
From €81.07/month*
*Price is indicative. It varies depending on age, postal code, and contract terms.
Don't know which one to choose?
You don’t need to understand all the coverage details before signing up. Just tell me your age, how you plan to use the insurance, and your budget, and I’ll help you compare the options.
Who is private health insurance for?
New arrivals
For those who still do not have full access to public health or do not have a family doctor.
Faster access
For those who prefer to avoid long waits and have faster access to specialists, consultations, and tests.
Expectant mothers
For those who want to plan their pregnancy with more comfort and greater flexibility in consultations, tests and delivery.
Expats
For those who live in Portugal but also value having coverage or assistance abroad.
How much do you pay when you use insurance?
In addition to the monthly fee, most services operate on a co-payment system. This means that when you use consultations, emergency care, tests, or exams, you pay a reduced amount depending on your plan and the medical network you use.
Swipe to the side to see all options →
| In-network service | Base | XL Base | XXL Base / Mais / Top |
|---|---|---|---|
| AdvanceCare network medical consultation | Discounts | €18.50* | €18.50 |
| Luz Saúde Consultation / CUF | Discounts | €21* | €21 |
| Urgency | Discounts | €45* | €45 |
| Analysis | Discounts | €2* | €2 |
| Ultrasound | Discounts | €15* | €15 |
| CT scan | Discounts | €30* | €30 |
| Magnetic resonance imaging | Discounts | €70* | €70 |
| Physiotherapy and kinesitherapy | Not included | Not included | €10 |
| Speech therapy | Not included | Not included | €16 |
*In Base XL , these co-payments apply within the Essential Outpatient Clinic: 8 consultations + 2 analyses + 2 exams per year.
The Base option does not include outpatient coverage: you get discounts within the medical network, but it does not work as a plan with consultations and exams included.
Base XL does not include physiotherapy, speech therapy or kinesitherapy within the essential outpatient setting.
For more frequent use in consultations, analyses or exams, I usually recommend looking at least at Base XXL .
Benefits included in all options
In addition to the main coverage, all plans include additional services that can be very useful in everyday life or when traveling.
Online doctor
2 free online consultations per year. Subsequent consultations have a co-payment of €15.
Discounts on healthcare
Access to a medical, dental and wellness network at reduced prices.
Assistance abroad
Up to €3,500 for assistance to people outside of Portugal.
Mental health
Virtual consultations in psychology, psychiatry, and educational psychology.
Doctor at home
Available with a €15 co-payment, subject to service conditions.
Your insurance advisor in Portugal
I’m Evelin, a Generali insurance broker in Portugal. I know that for those of us who live abroad, understanding the healthcare and insurance systems in another language can be confusing. That’s why my goal is to explain everything to you clearly, simply, and without putting you under pressure. I can help you in Spanish, Portuguese, Italian, or English.
- Personalized attention via WhatsApp or phone
- Clear explanation of coverage, co-payments and exclusions
- Free quotes and guidance
