With stunning coastlines, a laidback culture and the promise of months of warm weather, Portugal is an attractive destination for expats and tourists alike.
This Iberian nation offers a lower cost of living than some European neighbours, safe streets and a growing retiree community.
Factors such as quality education recognised and valued across the EU, and a multilingual culture also boost its appeal for expats with families.
Protect your life here with international health insurance in Portugal from Cigna Healthcare.
Portugal’s healthcare system is publicly funded, run by the Serviço Nacional de Saúde (SNS). The tax-funded system invests a substantial amount of public funds in the healthcare service. Most essential treatments are free at the point-of-service, with non-essential treatments requiring co-payment, though the fee is usually small.
Pros and cons of using Portugal’s local healthcare system
| Public | Private |
|---|---|
| Publicly funded. | Faster treatment access and shorter wait times. |
| Can be difficult to access in more remote areas. | Bills can rack up fast, so comprehensive medical insurance in Portugal is imperative. |
| Non-residents can access services via a GHIC or EHIC. |
SNS (the organisation that oversees public healthcare in Portugal) is only operational in continental Portugal. Autonomous areas such as Azores and Madeira have their own healthcare systems. This is a great reason to set up an insurance package that covers you across regions and borders.
Medical insurance plans for Portugal are traditionally much more robust than state-based plans. It’s generally a good idea to be protected from your arrival date and we can help find a package to suit your needs.
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The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
Annual Benefit Limit: $1,000,000
Inpatient and daypatient treatment
Private room
Full cancer care
Newborn care cover
Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.
Annual Benefit Limit: $2,000,000
Inpatient and daypatient treatment
Private room
Full cancer care
Inpatient Maternity*
Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.
Annual Benefit Limit: Paid in full
Inpatient and daypatient treatment
Private room
Full cancer care
Inpatient Maternity*
Mental and Behavioural Health care paid in full
Cigna Healthcare is a global leader in providing international health insurance. Benefits of our packages include:
Non-native residents and expats can access the national healthcare system if they qualify for a National Health Service user card. You’ll likely need a passport, residency card and social security details (non-EU residents) to apply.
With state healthcare, you may be required to pay a portion of the total value of your prescriptions. Medication is separated into different classes based on set criteria, listed A-D. You’ll be required to pay a percentage depending on the class, with A being the lowest and D the highest.
We can help organise your treatment for you and ensure you get access to the best healthcare available. Call our Customer Care Team to get started.