Health Insurance in Portugal

While Portugal’s public health system works well, it is still lacking in many ways and waiting times are a particularly concerning problem. Those who want to protect their health should certainly consider private health insurance in Portugal.

Health coverage may not be your first priority. However, a sudden illness can quickly change your mentality and, of course, by then it’s too late. A good private health insurance policy provides for a wide range of medical expenses. These include private consultations be it with a GP or specialist, skipping queues for surgery, diagnostic tests and a private room in a hospital. Not only will you receive quick and high quality treatment but, in fact, the priority care and attention you receive could very well save your life.

Most of the time, you probably won’t have to visit the doctor very often. However, knowing that you’ve got Multicare health cover will help to put your mind at ease with health insurance plans that can be tailored to your needs. And with the largest network of private hospitals, clinics and doctors in Portugal you can be assured you’re in safe hands.

Get to know also our other tips when choosing Private Health Insurance in Portugal

We have special rates for businesses which are looking to insure their employees’ health care (minimum of 2 people). Great extra incentive to make your employees more productive and keep them healthy; a win win situation! SEE MORE DETAILS.

Life Insurance in Portugal

Various options available from insurance for personal accidents to pay medical expenses, capital payouts in the case of death or incapacity, Mortgage life insurance, a policy that would pay out a capital sum that will be just sufficient to repay the outstanding mortgage should death or permanent incapacity occur. We also have a funeral insurance that not only covers every arrangement and cost of the funeral (which can be daunting to arrange in a foreign country) but also offers cover for medical emergencies for when travelling abroad. 

Why choose us?

  • Market Leader: Over 1 million people in Portugal trust Multicare with their health care.
  • The largest private network of hospitals, clinics and doctors in Portugal.
  • Health Plans for over 60’s: Subscription to full health care plans available till 70 years old with no cut off age for cover.

Life Insurance:

  • Family Protection: Life insurance that deals with every aspect of a funeral, relieving a bereaved family the added stress of dealing with a funeral in a foreign country at what is already an extremely stressful time.
  • Mortage Life Insurance
  • For Personal Accidents

Our Most loved health Plans

The Health Insurance prices in Portugal depend on various factors, including your age, previous health records. Following pricing is to give you an average estimate for each plan.

Multicare 1-3

The plan that can be adapted to your needs

  • Hospitalization costs of up to €100.000
  • Child Birth
  • Consultations, Exams & Treatments up to €5.000

from €20

per month


The ideal plan if your health is the first priority.

  • Oncology cover of up to €1.000.000
  • Hospitalization costs of up to €500.000
  • Consultations, Exams & Treatments up to €10.000

from €60

per month

60+ 2

Plan especially designed for the best phase of your life.

  • Hospitalization costs of up to €200.000
  • Consultations, Exams & Treatments up to €2.000
  • Exclusive for Seniors 60+

from €85

per month
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