Life in Portugal comes with numerous advantages, including stunning scenery and a vibrant cultural scene. However, for expats, figuring out health insurance for expats can be challenging. This guide aims to clarify the Portuguese healthcare system, outline various health insurance options, and offer crucial advice for selecting the best insurance to meet your needs.
Portugal: health insurance for expats
Tip of the day: how to save on transfers from Portugal
Healthcare in Portugal for expats: top hacks
Best private health insurance in Portugal
Portugal: health insurance for expats
Portugal features a dual healthcare system that includes both public and private healthcare services. According to Numbeo, the country’s health care system index is 72.46 out of 100. While public healthcare in Portugal is of high quality, many opt for private health insurance for expats to gain quicker access to specialised medical services.
Public healthcare in Portugal for expats
The National Health Service (SNS) provides a range of services, from general practitioner visits to hospital treatments. However, while the public healthcare system is generally good, it can suffer from long waiting times and limited availability of specialists.
Why expats opt for private health insurance in Portugal
For those seeking more immediate and specialised care, private health insurance in Portugal is a popular choice. The best health insurance for expats offers a wide range of coverage options, including access to private hospitals, shorter waiting times, and a broader selection of specialists. This is particularly appealing to expats in Portugal who may want quicker access to medical services. Besides, doctors will likely speak English in private facilities, making medical visits more comfortable for non-Portuguese speakers.
Cost of health insurance for expats in Portugal
The cost of health insurance for expats in Portugal can vary significantly based on factors such as age, health condition, and the level of coverage desired. On average, private health insurance costs range from €30 to €300 per month and up. It's crucial to compare different insurance providers and their offerings to find the best plan that suits your needs and budget.
Types of insurance
In Portugal, health insurance for expats in the public sector can be obtained if you’re a legal resident. This includes general medical care, hospital stays, and emergency services. However, there might be some out-of-pocket expenses for specific services and prescriptions.
Many foreigners prefer private health insurance due to its comprehensive coverage and faster access to healthcare services. Private Portuguese health insurance for expats can cover various services, from routine check-ups to advanced medical treatments.
If you are an expat who frequently travels or lives abroad, international health insurance might be a suitable option. These plans offer extensive coverage in multiple countries, ensuring you are protected wherever you go.
You may also like: Home insurance in Portugal: how to choose the right one if you are an expat
Tip of the day: how to save on transfers from Portugal
As a foreigner in Portugal, health insurance for expats can’t be the only issue occupying your mind. Many also wonder how to send money from Portugal back home and support loved ones around the globe on favourable terms. Wire transfers cost a fortune, so it's worth checking money transfer services like Profee.
We are a licensed European company offering international online remittances to over 65 countries. Sign up today to experience little to no fees, competitive currency exchange rates, fast delivery, and absolute safety. As of late July 2024, Profee has a special offer of 0% fees and promo exchange rates on certain destinations, such as Brazil, Nigeria, the Philippines, etc. Give it a try today!
PIX payment transfers from Europe to Brazil: the complete guide
Healthcare in Portugal for expats: top hacks
When choosing Portuguese health insurance for expats, consider the following tips to ensure you get the best coverage:
Consider your current health status and any medical conditions you may have to determine the level of coverage you need.
Look at different providers and their offerings. Pay attention to the coverage options, costs, and any exclusions or limitations.
Ensure that your chosen insurance plan has a network of hospitals and doctors in your area. This is particularly important if you prefer accessing private healthcare services.
Read reviews and testimonials.
Make sure you understand the steps involved and any documentation you need to provide.
Best private health insurance in Portugal
Several providers are known for offering the best private health insurance in Portugal. These include international companies as well as local providers. Some of the top choices include:
- Médis
- Fidelidade
- Allianz Care
- Cigna Global
- Multicare
- AXA PPP Healthcare
- Bupa Global
- AdvanceCare
Navigating health insurance in Portugal as an expat doesn't have to be complicated. By understanding the healthcare system, exploring your insurance options, and following essential tips, you can secure the right coverage for your needs.
Whether you opt for public healthcare or private health insurance in Portugal, securing the right coverage ensures peace of mind and access to necessary medical services. Download the Profee app today to see how Profee can help with your financial needs, including paying for health insurance in Portugal. Safeguard your health and well-being with top insurance options designed specifically for expats in Portugal.
