{"id":85,"date":"2018-03-23T16:10:54","date_gmt":"2018-03-23T16:10:54","guid":{"rendered":"https:\/\/essencial-portugal.com\/fr\/?page_id=85"},"modified":"2026-03-21T09:22:29","modified_gmt":"2026-03-21T09:22:29","slug":"health-insurance-system-portugal","status":"publish","type":"page","link":"https:\/\/essencial-portugal.com\/en\/installation-lisbon-portugal\/health-insurance-system-portugal\/","title":{"rendered":"Health insurance and health system in Portugal"},"content":{"rendered":"<p><em>Updated March 2026<\/em><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-12 size-full\" src=\"https:\/\/essencial-portugal.com\/en\/wp-content\/uploads\/2018\/03\/assurance-sante-lisbonne-portugal.jpg\" alt=\"health insurance in Portugal\" width=\"500\" height=\"333\" srcset=\"https:\/\/essencial-portugal.com\/en\/wp-content\/uploads\/2018\/03\/assurance-sante-lisbonne-portugal.jpg 500w, https:\/\/essencial-portugal.com\/en\/wp-content\/uploads\/2018\/03\/assurance-sante-lisbonne-portugal-300x200.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>Finding health insurance in Portugal is one of the first administrative challenges for English-speaking expats. The system is split into two separate circuits: Portuguese social<br \/>\nsecurity (Seguran\u00e7a Social) covers public facilities, while private health insurance covers private care only. Without insurance, a private GP consultation costs \u20ac40-70. With the right<br \/>\nplan, you bring that cost down to almost nothing.<\/p>\n<h2>Choosing your health insurance: English-speaking support<\/h2>\n<p>Comparing Portuguese health insurance plans without speaking the language is genuinely difficult \u2014 contracts in Portuguese, opaque practitioner networks, complex reimbursement<br \/>\nconditions. An English-speaking broker saves you time and negotiates better rates, especially through a Portuguese company. Fill in the form below to be put in touch.<\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-3 maxbutton maxbutton-form\" href=\"#form\"><span class='mb-text'>CONTACT<\/span><\/a><\/p>\n<h2>Health insurance in Portugal in 2026<\/h2>\n<p>Private health insurance is not compulsory in Portugal, but strongly recommended. The public sector (SNS) is affordable, but waiting times for non-urgent care are long. The private<br \/>\nsector is fast and comfortable, but expensive without cover. Budget guide: \u20ac100-150\/month for a couple with one child.<\/p>\n<p>In Portugal, the health system runs on two distinct tracks: the Seguran\u00e7a Social covers public hospitals and health centres, while private health insurance covers private clinics<br \/>\nonly. Read our page on <a href=\"https:\/\/essencial-portugal.com\/en\/installation-lisbon-portugal\/portuguese-social-security\/\" target=\"_blank\" rel=\"noopener noreferrer\">registering with<br \/>\nPortuguese Social Security<\/a> for full details.<\/p>\n<ul>\n<li><strong>Public sector (SNS):<\/strong> low-cost consultations (GP ~\u20ac14-17), but long waiting times for non-urgent appointments. In an emergency, go to the nearest public hospital<br \/>\n(urg\u00eancias).<\/li>\n<li><strong>Private sector:<\/strong> faster and more comfortable, but expensive without insurance (GP \u20ac40-70, dentist \u20ac30-60, ophthalmologist \u20ac75). Good health insurance dramatically<br \/>\nreduces these costs.<\/li>\n<\/ul>\n<p>The choice of your <a href=\"https:\/\/essencial-portugal.com\/en\/news-portugal\/health-insurances-portugal-how-to-choose\/\" target=\"_blank\" rel=\"noopener noreferrer\">health insurance in<br \/>\nPortugal<\/a> depends on your budget. High budget: go for an expat health insurance plan (fast reimbursement via app, international coverage). Moderate budget: expect \u20ac100-150\/month for a<br \/>\ncouple with children.<\/p>\n<p><strong>Key 2026 specifics:<\/strong><\/p>\n<ul>\n<li>Even with insurance, a co-payment of ~\u20ac14-17 applies for a GP consultation (public or private).<\/li>\n<li>Optical and dental coverage is often limited \u2014 check the practitioner network carefully.<\/li>\n<li>Reimbursements generally require paper forms to be sent by post (less seamless than in the UK or France).<\/li>\n<li>Pre-authorisation from your insurer is required before any hospitalisation \u2014 anticipate this.<\/li>\n<li>Private hospitals tend to schedule follow-up appointments liberally \u2014 costs can add up quickly.<\/li>\n<li>Seguran\u00e7a Social contributions for foreign residents increased in 2026.<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-11 size-full\" src=\"https:\/\/essencial-portugal.com\/en\/wp-content\/uploads\/2018\/03\/assurance-sante-hopital-santa-maria.jpg\" alt=\"Hospital santa maria Lisbon\" width=\"800\" height=\"600\" srcset=\"https:\/\/essencial-portugal.com\/en\/wp-content\/uploads\/2018\/03\/assurance-sante-hopital-santa-maria.jpg 800w, https:\/\/essencial-portugal.com\/en\/wp-content\/uploads\/2018\/03\/assurance-sante-hopital-santa-maria-300x225.jpg 300w, https:\/\/essencial-portugal.com\/en\/wp-content\/uploads\/2018\/03\/assurance-sante-hopital-santa-maria-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2>Health insurance providers in Portugal<\/h2>\n<p>M\u00e9dis and Multicare are the most recommended insurers for English-speaking expats. Registration requires a detailed health declaration \u2014 acceptance is not guaranteed. Going through an<br \/>\nEnglish-speaking broker often secures better rates, particularly when subscribing via a <a href=\"https:\/\/essencial-portugal.com\/en\/setting-up-business-portugal\/\" target=\"_blank\" rel=\"noopener noreferrer\">Portuguese company<\/a>.<\/p>\n<table>\n<thead>\n<tr>\n<th>Insurer<\/th>\n<th>Best for<\/th>\n<th>Indicative monthly cost<\/th>\n<th>Key advantage<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>M\u00e9dis<\/strong><\/td>\n<td>Expats, families<\/td>\n<td>\u20ac50-90 \/ person<\/td>\n<td>Wide private network, strong hospitalisation cover<\/td>\n<\/tr>\n<tr>\n<td><strong>Multicare<\/strong><\/td>\n<td>Professionals, companies<\/td>\n<td>\u20ac40-75 \/ person<\/td>\n<td>Mobile app reimbursement, extensive network<\/td>\n<\/tr>\n<tr>\n<td><strong>Fidelidade<\/strong><\/td>\n<td>All profiles<\/td>\n<td>\u20ac45-80 \/ person<\/td>\n<td>Flexible guarantees, modular options<\/td>\n<\/tr>\n<tr>\n<td><strong>International expat insurer<\/strong><\/td>\n<td>High budget, mobility<\/td>\n<td>\u20ac120-200 \/ person<\/td>\n<td>Worldwide cover, app reimbursement, no network restriction<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Waiting periods (2026):<\/strong> 360 days for chronic conditions, 90 days for hospitalisation, optical and dental care. If you switch insurer, waiting periods are carried over<br \/>\n\u2014 you do not start from scratch.<\/p>\n<h2>Insurance requirements for visas and residency (AIMA 2026)<\/h2>\n<p>Insurance requirements differ depending on where you are in the residency process. A travel policy is enough for a visa application. A full private health insurance plan is mandatory<br \/>\nfor your AIMA appointment and residence permit.<\/p>\n<ul>\n<li><strong>D7\/D8 visa application at the consulate:<\/strong> Schengen travel insurance with full coverage, validated by the consulate.<\/li>\n<li><strong>AIMA appointment and residence permit:<\/strong> Portuguese private health insurance is mandatory \u2014 must cover consultations, hospitalisation, emergencies and repatriation<br \/>\nfor the full duration of stay.<\/li>\n<li><strong>Once residency is confirmed:<\/strong> register with the SNS (NIF + local centro de sa\u00fade \u2192 N\u00famero de Utente). Public access + private insurance recommended alongside.<\/li>\n<\/ul>\n<h2>The Portuguese health system<\/h2>\n<p>The SNS covers all legal residents in Portugal. It is funded through social security contributions and a co-payment system (taxa moderadora). Quality has improved markedly in recent<br \/>\nyears, but waiting times outside of emergencies remain a weak point, especially in rural areas.<\/p>\n<ul>\n<li><strong>Public (SNS):<\/strong> health centres (centros de sa\u00fade) open 8am-8pm for routine care; urg\u00eancias 24\/7. English-speaking doctors available in major cities and tourist<br \/>\nareas.<\/li>\n<li><strong>Private:<\/strong> health insurance reduces your co-payment significantly. Pharmacies (farm\u00e1cias) handle minor issues; farm\u00e1cia de servi\u00e7o operates outside normal<br \/>\nhours.<\/li>\n<li><strong>2026 figures:<\/strong> per capita health spending remains below the EU average but is rising. Medicine subsidies of 40-100% available for residents over 65 via Seguran\u00e7a<br \/>\nSocial.<\/li>\n<\/ul>\n<h2 id=\"form\">English-speaking Portuguese health insurance broker<\/h2>\n<p style=\"text-align: center;\"><div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-5165\"><form id=\"wpforms-form-5165\" class=\"wpforms-validate wpforms-form\" data-formid=\"5165\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/en\/wp-json\/wp\/v2\/pages\/85\" data-token=\"e1722d570084469e36eca80e6c75aa7c\" data-token-time=\"1776662778\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-5165-field_0-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"0\"><label class=\"wpforms-field-label\" for=\"wpforms-5165-field_0\">Name <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row 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name=\"wpforms[id]\" value=\"5165\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/pages\/85\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-5165\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send\" aria-live=\"assertive\" value=\"wpforms-submit\">Send<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/p>\n<p><script type=\"application\/ld+json\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Is health insurance compulsory in Portugal?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Private health insurance is not compulsory for residents registered with the SNS. However, it is strongly recommended due to long waiting times in the public sector. It\n  becomes mandatory when applying for a residence permit at AIMA: you must present a private health insurance policy covering consultations, hospitalisation, emergencies and repatriation.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"What is the best health insurance for expats in Portugal?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"M\u00e9dis and Multicare are the most recommended insurers for English-speaking expats in Portugal. M\u00e9dis stands out for its wide network and hospitalisation cover. Multicare\n   is popular for its mobile app and extensive network. For a higher budget with international mobility, an expat insurer such as Cigna or AXA International is more suitable. An\n  English-speaking broker can help you compare options.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"How much does health insurance cost in Portugal in 2026?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Expect to pay between \u20ac40 and \u20ac90 per person per month for a standard Portuguese health insurance plan (M\u00e9dis, Multicare, Fidelidade). For a couple with one child,\n  budget \u20ac100-150\/month. International expat plans (worldwide cover, app reimbursement) cost \u20ac120-200 per person. Rates vary by age, chosen guarantees and declared health status.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Can expats use the Portuguese public health system (SNS)?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Yes \u2014 as soon as you are a legal resident registered with Seguran\u00e7a Social, you can register with the SNS at your local centro de sa\u00fade using your NIF. You will receive\n  a N\u00famero de Utente giving you access to GP consultations (\u20ac14-17 co-payment) and hospital emergency services. Waiting times for specialists are long, which is why private insurance is\n  recommended alongside SNS access.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"What insurance do I need for a D7 or D8 visa for Portugal?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"For a D7 or D8 visa application at the consulate, a Schengen travel insurance policy with full coverage is sufficient. For your AIMA appointment and residence permit, a\n  Portuguese private health insurance policy is required \u2014 covering consultations, hospitalisation, emergencies and repatriation for the full duration of your stay. Always check the exact\n  requirements with your consulate before taking out a policy.\"\n        }\n      }\n    ]\n  }\n  <\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Updated March 2026 Finding health insurance in Portugal is one of the first administrative challenges for English-speaking expats. The system is split into two separate circuits: Portuguese social security (Seguran\u00e7a Social) covers public facilities, while private health insurance covers private care only. Without insurance, a private GP consultation costs \u20ac40-70. With the right plan, you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12,"parent":67,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-85","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/pages\/85","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/comments?post=85"}],"version-history":[{"count":1,"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/pages\/85\/revisions"}],"predecessor-version":[{"id":9784,"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/pages\/85\/revisions\/9784"}],"up":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/pages\/67"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/media\/12"}],"wp:attachment":[{"href":"https:\/\/essencial-portugal.com\/en\/wp-json\/wp\/v2\/media?parent=85"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}