Portugal

Medical Insurance Portugal.

We provide expats, nomads and travellers who are in or visiting Portugal with world-class medical insurance. Get faster access to specialists, broader treatment options, and peace of mind with a plan that fits your needs and budget.

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In Portugal? We've got you covered.

Global 24/7 Emergency Help On All Nomad Insurance

Our global medical insurance includes 24/7 global assistance, ensuring you have access to support anytime, anywhere during your travels. With just a phone call, our dedicated team is ready to assist, providing peace of mind for your health and safety worldwide.

Customisable Plans for Nomad Lifestyles

Tailor your medical insurance to fit your nomadic or expat lifestyle perfectly. Choose from basic to comprehensive medical coverage options with our flexible plans, ensuring you only pay for the healthcare protection you really need while on the move.

Direct Payments To The Hospital

Our medical insurance includes direct hospital payments, relieving you of financial worries during medical emergencies. We handle payments and coordination with healthcare facilities, allowing you to concentrate on your recovery without the stress of immediate costs.

Access To Healthcare Professionals

Our medical insurance ensures that expert medical advice is always within reach, even when you’re far from home. With our coverage, you have remote access to certified healthcare professionals, allowing you to consult with specialists.

Overview of Portugal's healthcare.

Portugal has quite an advanced health care system, but with this comes a premium price. This means without health insurance you can rack up a fair bill in Portugals hospitals. With the private healthcare system, most doctors will have great English, and usually get to you without long waiting times. There is SNS which is Portugals public healthcare but most foreigners will not have access to this and it lacks cover for things like outpatient care, inpatient care, therapy, dental and more. 

medical insurance portugal

Key takeaway of Indian healthcare systems:

Private healthcare can be expensive.

If you don't have insurance you will be paying a high premium price for your healthcare as this is a modern country.

We offer direct payments to hospitals in Portugal

Our direct payments cover Portugal meaning you can live stress free with peace of mind enjoying the lifestyle.

Little to no language barriers

Private healthcare in Portugal is known for it's high quality and English speaking services. This gives you more peace of mind.

Wide range of healthcare options for expats

There are a wide range of healthcare available to overseas expats with insurance such as dental, outpatient, therapy etc.

Our medical insurance coverage.

Major Medical

A cost-effective plan with a US $1,000,000 annual limit, covering essential inpatient services. Ideal for basic health needs.

Worldwide Exc. USA Major Medical
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical No Cover
Pre-Hospitalisation No Cover
Post-Hospitalisation No Cover
GP Consultation Fees No Cover
Specialist Consultation Fees No Cover
Prescribed Medication No Cover
Imaging and Lab Tests No Cover
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $50,000
Hostage Negotiation Full Cover
Hijacking US $100 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Standard

Offers a US $1,000,000 annual limit and adds limited outpatient coverage up to US $25,000. Includes GP and specialist consultations.

Worldwide Exc. USA Standard
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $100,000
Hostage Negotiation Full Cover
Hijacking US $200 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Comprehensive

Features a US $1,000,000 annual limit and full inpatient benefits. Adds extensive outpatient coverage, and $1,000 chronic conditions benefit.

Worldwide Exc. USA Comprehensive
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover Full Cover 30 Days
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover US $100,000
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy US $750 5 Visits
Oncology US $20,000
Alternative Therapies Treatment US $250 5 Visits
Chronic Conditions Benefit US $1,000
Wellbeing Benefits
Annual Medical Check-ups US $250 25% Co-insurance
Vaccinations US $250 25% Co-insurance
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Inpatient Treatment Only
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) US $750 25% Co-insurance
Global Security Benefits
Terrorism US $150,000
Hostage Negotiation Full Cover
Hijacking US $300 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Fully Comprehensive

Offers a US $2,000,000 annual limit with full inpatient and outpatient benefits. Ideal for those seeking comprehensive coverage.

Worldwide Exc. USA Fully Comprehensive
Overall Plan Limit (per year) US $2,000,000
Inpatient Benefits
Room and Board including general nursing care Full Cover
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services Full Cover
Anaesthetist Fees Full Cover
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees Full Cover
Rehabilitation Cover Full Cover 45 Days
Kidney Dialysis Full Cover
Oncology Cover Full Cover
Emergency Room Treatment Full Cover
Organ Transplant Cover Full Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $200
Outpatient Benefits
Outpatient Surgical Full Cover
Pre-Hospitalisation Full Cover
Post-Hospitalisation Full Cover
GP Consultation Fees Full Cover
Specialist Consultation Fees Full Cover
Prescribed Medication Full Cover
Imaging and Lab Tests Full Cover
Physiotherapy Full Cover 10 Visits
Oncology Full Cover
Alternative Therapies Treatment Full Cover 10 Visits
Chronic Conditions Benefit US $10,000
Wellbeing Benefits
Annual Medical Check-ups US $500
Vaccinations US $500
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Full Cover
Routine Dental (6 month waiting period) US $750
Major Dental (6 month waiting period) US $750
Global Security Benefits
Terrorism Full Cover
Hostage Negotiation Full Cover
Hijacking US $500 Per Day
Mugging US $100 Per Day
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Is Medical Insurance essential in Portgual?

Like anywhere in the world, if you get injured or have an accident in Portugal, your safety blanket is your medical insurance. Private health insurance provides peace of mind with faster access to specialists, reduced language barriers with English-speaking staff, and broader coverage including dental or vision care. It’s a valuable safety net, ensuring financial protection and a more efficient healthcare experience in Portugal. You can finally enjoy the beautiful lifestyle, without the hassle of your health. 

Average cost of healthcare in Portugal

Healthcare can come at a premium in Portugal, with things like doctors visits ranging between €100 to €300 for a stand alone visit. If you are requriring an overnight stay in a hospital, depending on where you are in Portugal you may be charged up to €2,500 or more. For expats living and needing checkups, advanced scans or MRIs can shoot up to anywhere between €500-750. This can add up, which is why medical insurance is so important in Portugal. 

average cost of nomad insurance thailand

Breakdown of Private Healthcare Costs in Portugal

Cost of Hospital Stays

A private room in a private hospital can cost around €3,000 - €8,000+ per night, excluding any treatments or procedures.

€3,000 - €8,000+

Surgery Costs

The cost of surgery can range from €5,000 - €50,000+ depending on the complexity of the procedure, chosen specialist, and hospital.

€5,000 - €50,000+

Doctor's Visit

A consultation with a doctor in a private clinic can cost around €50 - €200+ depending on the specialist level and location.

€50 - €200+

Prescription Medication Costs

The cost of prescription medication can vary, but a typical prescription might cost around €10 - €75 depending on the drug and coverage by your private insurance plan.

€10 - €75

Diagnostic Test Costs

Tests like X-rays, blood tests, or MRIs can range from €50 - €1,000+ depending on the complexity of the test and the chosen hospital.

€50 - €1,000+

Emergency Room Visit

An initial visit to a private hospital emergency room can range from €200 - €500+ depending on your medical requirements and additional tests needed.

€200 - €500+

Choosing the right medical insurance plan for Portugal.

Your Health

If you have existing health issues or expect to need regular medical care, a more comprehensive plan might be best.

Travel Frequency

If you’re constantly on the move, look for a plan with global coverage and international evacuation and repatriation.

Budget

More comprehensive plans will cost more, so balance the level of coverage against what you can afford.

Lifestyle

If you engage in high-risk activities or sports, ensure your plan covers the costs of your medical bills for major injuries. 

Claims process for medical insurance.

Our claims process is streamlined for ease: submit your claim via email, the team reviews it, and once approved, they pay the hospital directly. It’s designed for quick, hassle-free support during your treatment. 

Receive Treatment:

If you’re admitted for inpatient treatment, the hospital will usually contact Medical for Nomads directly.

Claim Submission

For other treatments, you can submit your claim by emailing the necessary documents, which can include photos from your phone.

Claims Review

Medical for Nomads will review your claim to ensure all details are correct and that the treatment is covered under your policy.

Direct Payment

Once your claim is approved, we’ll arrange full payment directly to the hospital or clinic, so you don’t have to pay upfront and claim back later.

Need to renew your medical insurnace?

If it’s time to renew your medical insurance, Medical for Nomads makes it simple. Our policies, designed specifically for global nomads, offer annual coverage with the flexibility to pay monthly, quarterly, or semi-annually. When renewing, you keep the same start date, crucial for assessing pre-existing conditions. Renewing is easy: just visit our website, log in to your account, and follow the prompts to maintain uninterrupted, comprehensive medical insurance coverage. Plus, if you pay in advance, you could save up to 16%.

Why choose us?

Experienced insurance brokers

Best rates for nomads

Easy online process

With over a decade in the medical insurance sector, our expertise is tailored to nomads and travel entrepreneurs. We’re not just insurance providers; we’re seasoned travellers ourselves, understanding the unique challenges you face.

Real testimonials using our medical insurance.

Frequently Asked Questions

Yes dear nomads, you can. Just put your current address in and feel free to keep on movin’.

Anywhere in the world except the USA. We recommend purchasing USA-specific travel insurance if you are travelling to the USA. This insurance policy is not suitable for residents of the USA.

You can choose to receive treatment in any country worldwide except the USA.

Yes – as long as your home country isn’t the USA. Apart from the USA, you’re fully covered, nomad-er where you’re from and nomad-er where you go!

No, just once per year on your renewal date. And that can all be done by email, if required.

Yes, cancer treatment (oncology) is covered – you can find full details on our “Compare Cover Levels” page.

Yes, dental treatment is covered under the “Comprehensive” and “Fully Comprehensive” cover levels. You can find full details on our “Compare Cover Levels” page.

Yes, outpatient treatment is covered – you can find full details on our “Compare Cover Levels” page.

Unfortunately, claims cannot be approved if they are either directly or indirectly related to any medical condition or related condition for which you had treatment for, had symptoms of, knew existed, or should have known existed, prior to you starting your medical insurance policy. You are covered for events after you first start your insurance policy.

Terrorism coverage is included on all cover levels and covers any medical treatment needed as a result of terrorism, and any treatment needed for a medical condition sustained as a result of terrorism.

No, this is not necessary. To make the process as simple as possible, once you have gained pre-authorisation for your treatment, the insurance company will contact the hospital to arrange for payment to be made directly.

During an emergency, you may not be in a position to notify the insurance company in advance. If this happens, please contact the insurance company as soon as possible so they can arrange for all payments to be made directly to the hospital, as well as make sure that you are being properly cared for.

Please see the “Claims” page which has full information – and you will also receive the information in soft copy format by email when you start your insurance policy.

Yes, general exclusions apply to all international medical insurance policies. For full details, please see our “T&C’s” page.

No, you can apply and get coverage within 24 hours without the need for a medical examination.

Yes they can, although it generally makes more sense to have a separate policy for each person as it costs the same and gives you the flexibility to choose different cover levels for each person if you wish.

There is a limit to the total value of claims per year, but no limit on the number of claims. For full details, please see our “Compare Cover Levels” page.

Yes, you have a 14-day “cooling off period” during which you can cancel the policy if you want to. This gives you plenty of time to read the full terms and conditions as well as compare the cover and cost of other insurances, and if for any reason you decide it’s not the right one for you, you’ll get a full refund of all premiums paid.

Yes you can choose your own hospital and doctor if you wish, and you may also ask the insurance company for recommendations based on what facilities are offered at different hospitals. If you would like to be treated at a hospital in a different country, you will need the “Global Evacuation & Repatriation” cover, which is an optional add-on to all policies for a small fixed fee.

It’s always good to have travel insurance if you travel frequently – travel insurance and medical insurance are distinctly different types of insurance. Travel insurance will cover you for things like delayed flights, lost baggage etc, whereas international medical insurance covers anything medical related. Whilst all travel insurances and medical insurances differ, as a general rule, the medical cover offered on travel insurance policies has more limitations than full medical insurance policies, and there are often additional clauses which make it unsuitable as a long-term replacement for medical insurance. Always read the small print to see which things aren’t covered!