Health Insurance
Private health cover. No waiting rooms to apply.
Select your plan, get a price, activate your policy — before your next appointment.
The context
Why private health insurance in Portugal
What SNS covers
- Emergency and urgent care
- GP consultations (with referral queues)
- Hospital treatment (long waiting lists)
- Subsidised medication
"Access specialists in days, not months."
What private cover adds
- Specialist consultations without GP referral delays
- Diagnostics and exams within days
- Maternity and planned procedures on your schedule
- Dental and vision (Premium tier)
- International cover for travel or residency changes
Plan options
Essencial, Família, Premium — what each plan adds.
Essencial
from €24/mo
GP + specialists + diagnostics
- GP consultations
- Specialist consultations
- Medical diagnostics and exams
- Emergency hospitalisation
Família
from €44/mo
Adds maternity + pediatrics
- Everything in Essencial
- Maternity care and monitoring
- Pediatric consultations
- Planned surgical procedures
Premium
from €68/mo
Full cover + dental + vision + international
- Everything in Família
- Dental and orthodontics
- Vision and ophthalmology
- International coverage
How it works
Your policy, your network access
Our policies connect you to partner clinical networks across Portugal. When you activate your policy, you receive a digital card and access to a network directory showing available clinics and specialists. Claim reimbursement timelines are clearly stated in your policy documents — no hidden processing steps.
If you use a provider outside the network, reimbursement rules apply as described in your policy schedule. You are never locked to a single clinic.
Questions answered
Health insurance FAQ
A complement. SNS access remains available to all NHR-eligible residents and citizens. Private cover fills specific gaps — waiting times for specialists, scheduled procedures, diagnostics. Most policyholders continue to use SNS for emergencies and use their private cover for planned care.
Yes. The Família and Premium plans are designed for household coverage. When you get your quote, you can specify the number of people to cover. Each person's risk profile is individually assessed by the AI model, so the final price reflects your household composition.
Pre-existing conditions are declared during the quote process. They may affect the price and the specific inclusions in your policy. Conditions declared at quote time are documented in your policy schedule. We do not retroactively exclude conditions you disclosed — that is specified upfront.
Your digital policy document is issued within three minutes of completing your quote and payment. The digital membership card and network directory access are delivered by email. For health cover, there is typically a brief waiting period (stated in your policy document) before claiming for pre-existing conditions.
Yes. Indie policies are available to residents of Portugal regardless of nationality. You will need a Portuguese NIF (tax identification number) to complete registration. Expats on the NHR regime or standard residency are both eligible. Our Premium plan includes international cover, which is relevant for those who travel frequently or split time between countries.