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Private health insurance in Portugal
For residents in Portugal – compare leading insurers, access private hospital networks and receive personal support throughout the country, from the Algarve and Lisbon to Porto and Madeira.
- Clear information and personal support
- Comparison of leading insurers in Portugal
- Access to private hospital networks
- Support with claims
Portuguese and international health insurance partners
Initial response
Request a free quote
About 3 minutes to complete · response within 24 hours
Before you start
- Check how many people you want to include: up to three per request.
- Decide whether you want a contracted network, reimbursement for doctors of your choice, or both, and whether to add critical illness cover.
- Think about where you will use the insurance: Portugal only, Europe or worldwide, with or without the USA.
- Choose whether you prefer the lowest premium, standard cover or a premium product.
- Have each person’s date of birth and Portuguese tax number (NIF) ready, and mention any pre-existing conditions.
What happens next?
Your request is sent through Chico dos Seguros. Our team reviews the information and contacts you with the available proposals. Prices are not calculated automatically, and submitting the request does not activate any insurance.
Your data is handled according to our compliance and transparency information and the consent shown in the form.
How to compare health insurance in three steps
01 · Tell us who you want to protect
Just you, a couple, or you and your children? Each request can include up to three people; their number and ages affect the price and available options.
02 · Compare the proposals
When the proposals arrive, compare them side by side: annual premium, cover, limits and what you pay for each consultation or hospital stay.
03 · Choose with confidence
Ask our team any questions before deciding. You only proceed if the proposal suits your needs.
What to compare in health insurance
Two policies with similar prices can provide very different protection. Compare these points in every proposal.
Contracted network or reimbursement
With a contracted network, you use doctors, clinics and hospitals that have an agreement with the insurer and pay only a co-payment. With freedom of choice, you visit the doctor you prefer and claim back part of the cost, within the policy limits.
Limits and annual caps
Check the limits for hospital care, consultations and tests, together with the annual cap for each type of cover. If you plan to have children, check whether maternity care is included.
Age and renewal
Check the maximum joining age, how long the policy can remain active and how the premium may change at annual renewal.
Waiting periods, out-of-pocket costs and exclusions
Some benefits start only after a waiting period, including when you switch insurer, and many policies include deductibles. Compare these conditions carefully in every proposal.
Chico’s tip: look at the co-payment for each consultation as well as the premium. If you see a doctor frequently, the cheapest policy can cost more overall.
What type of cover are you looking for?
Individual health insurance
Cover for you, with the benefits and geographical area you choose.
Family health insurance
Include up to three people in one request and compare the total cost, not only the price per person. To protect your family in case of death or disability, also compare life insurance.
Cover outside Portugal
If you spend time abroad, compare policies with cover in Europe or worldwide.
For a trip lasting a few weeks, travel insurance may be more suitable.
Cover, limits and exclusions depend on each policy. You can also consult the Portuguese insurance authority’s health insurance information.
Questions about health insurance
These are the questions people most often ask before choosing health insurance in Portugal.
Can I compare if I already have health insurance?
Yes. Use your current policy as a reference: the same people, cover and limits. Before switching, check the renewal date of your current insurance.
How does the health insurance comparison work?
Tell us who needs cover, the type of cover, the geographical area and whether you prefer a lower premium, standard cover or a premium product. Our team reviews the request and contacts you with proposals for that profile. The comparison does not calculate prices automatically or activate insurance.
Does health insurance cover pre-existing conditions?
It depends on the insurer and the policy. Many policies exclude conditions that existed before you joined or accept them only under specific terms. Include them in your request so the proposals can take them into account.
What is the best health insurance?
There is no single best policy for everyone. The right policy covers the care you use, with the doctors and hospitals you prefer, at a premium you can afford each year. It is not necessarily the cheapest, so we compare proposals for your profile.
Can health insurance be deducted on a Portuguese tax return?
Premiums for policies that cover health risks only may qualify as deductible healthcare expenses in Portugal, subject to legal limits. Confirm the current rules on Portal das Finanças.
Does the comparison include every insurer in the market?
No. The comparison includes proposals available through the insurers we work with for the people and cover you requested. Availability varies and does not represent every offer in the market.
Other insurance to compare
Want to see everything in one place? View all insurance comparisons.
Compare your health insurance with Chico
Choose the people and cover, then receive proposals to compare. You decide.
