PARTICULARES

Health Insurance

Health insurance gives you access to a wide network of hospitals, clinics and doctors, in Portugal or abroad, for consultations, tests and treatments, with different plans and covers ranging from basic care to medical specialities and hospital stays. It can also work as an alternative to the National Health Service (SNS).

Benefits

Discover the benefits for you and your family with our specialist advice.

Wide network of providers

Access to hospitals, clinics and healthcare professionals across the country.

Plans by life stage

Cover tailored to individual and family needs.

Support in choosing your plan

Specialist advice to help you find the ideal solution.

We will find the best solution

Name

Tax ID (NIF/NIPC)

Address

Phone number

Solution

Notes

Personal Data Protection

Verspieren Portugal Corretores de Seguros, S.A., as data controller, collects the personal data contained in this form for the purposes of analysing the user's/client's needs, obtaining quotes from insurers, and preparing insurance simulations and proposals. The data may be shared with insurers and other entities strictly necessary to obtain the requested simulations and proposals. The data will be kept only for the period necessary for the purposes stated above or to comply with legal obligations. The data subject may exercise their rights of access, rectification, erasure, restriction of processing, objection and portability, by contacting: [email protected]. For more information, see our Privacy Policy.

Consent

Any questions?

FAQ

Clear answers about the covers that protect you and your family, including key information, practical guidance and support to help you navigate your insurance choices.

What does health insurance cover?

Depending on the plan chosen, health insurance covers medical consultations, diagnostic tests, treatments, surgery and hospitalisation within a network of contracted providers, with full or partial reimbursement of costs.

Our team helps compare plans from different insurers to find the cover best suited to your profile and budget.

Is there a waiting period before I can use the insurance?

Yes. Most plans apply waiting periods, shorter for consultations and tests and longer for hospitalisation, surgery and childbirth. During that period the cover cannot yet be used.

Before you take out cover, we explain exactly which waiting periods apply to each benefit in the plan under consideration.

Are conditions I already have covered?

Conditions that already exist at the time cover is taken out are, as a rule, excluded. Some insurers allow them to be included subject to an individual clinical assessment and specific conditions.

Our team helps prepare the initial health declaration, which is the document where this question is decided.

Can I use doctors outside the contracted network?

In most plans, yes, through the reimbursement scheme: you pay for the consultation or test and then receive the reimbursement set out in the policy, usually lower than within the contracted network.

We compare with you the balance between network and reimbursement cover in each plan, because that is where plans differ most.

These solutions are backed by a specialised team, international experience and a personalised service, ensuring security and peace of mind in every situation.
Continue exploring our website or contact us to receive personalised support.

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