Whether you’re relocating, retiring, or investing in Portugal, understanding how health insurance works here is essential to feeling secure and prepared.
Portugal offers high-quality healthcare, but knowing the difference between public and private coverage — and how to access both — can make a big difference in your experience.
In this 2025 guide, we break down everything you need to know about health insurance in Portugal, including options for expats, coverage costs, and tips for choosing the right plan to fit your lifestyle.
Overview of the Portugal's Healthcare
Portugal’s health services are a blend of public and private and provide residents and those with legal resident status access to high quality health care at a range of cost points.
The public system, called the Serviço Nacional de Saúde (SNS), offers universal coverage and is largely free or low-cost, including the cost of visits to general practitioners, hospital care and emergency services.
Private healthcare is also widely available and is usually the option for expats and locals wanting quicker visits and more personalized service and for those not proficient in Spanish who want an English-speaking doctor.
Other people want to have their cake and eat it — public healthcare for security from the SNS, but private insurance for the flexibility of seeing gicare providers.
Portugal has an excellent standard of care, with modern hospitals and well-trained professionals, so this makes it a good option for those moving or investing in the country.
Who Must Have Health Insurance in Portugal?
Health insurance is important for anyone spending time in Portugal, but who needs it depends on your situation:
Expats and Foreign Residents: If you’re applying for residency (D7, Digital Nomad, or Golden Visa if you become a resident), private health insurance is required during the visa process. Once you become a legal resident, you can access the public system (SNS), but many keep private coverage for speed and convenience.
EU/EEA Citizens: You can use your European Health Insurance Card (EHIC) for short stays. For longer stays or residency, registering with the SNS or getting private insurance is recommended.
Tourists and Short-Term Visitors: Travel health insurance is often required for Schengen visa applications and is highly recommended to cover emergencies during your trip.
Portuguese Citizens and Permanent Residents: Covered by the SNS, but some still choose private plans to supplement public services, especially for faster access to specialists.
Bottom line: Whether required by law or just a smart choice, health insurance is a key part of staying protected in Portugal.
What Does Public Health Insurance Cover in Portugal?
Portugal’s national health service (SNS: Serviço Nacional de Saúde) is extensive and affordable for residents. Here’s what it usually entails:
- General Practitioner (GP) Visits: Available in local clinics (centros de saúde), for a small fee or for free (for children, elderly or people in difficult financial conditions).
- Specialist Appointments: Yes, if you have a referral from your GP, but there might be a wait involved.
- Hospital Care: Includes emergency, surgical services and hospital stays at pay as little as a co-payment rate.
- Maternity and Child Care:Jobs with medical insurance are usually free for prenatal care, childbirth and pediatricians.
- Vaccinations and Preventative Care: This would encompass vaccinations and other programs of prevention.
- Mental Health Services: Accessible through public but difficult waiting list and availability.
- Prescription Drugs: Subsidized — you will be required to pay a portion depending on the medication and the urgency.
Not Covered or Limited:
- Dental care (except in special cases like children or emergencies)
- Vision care (glasses, routine eye exams not included)
- Private hospital or clinic services
That’s why many residents and expats choose to add private insurance — to complement SNS and reduce wait times or access broader services.
Registering for Public Healthcare in Portugal
1. Gather the Required Documents
To register for public health insurance, take the following documents with you:
- Valid passport or EU ID card
- Portuguese residence permit (for non-EU) or CRUE certificate (for EU citizens)
- Portuguese tax number (NIF)
- Social Security number (NISS), if applicable
- Proof of address in Portugal (e.g., utility bill or rental contract)
- Portuguese mobile number
2. Go to Your Local Health Center (Centro de Saúde)
Visit the health center that corresponds to your registered address. You must go in person and queue up (some locations may allow online appointments). Check ahead for opening hours or booking requirements.
3. Register and Get Your SNS Number
Once there, submit your documents at the reception. If everything is in order, they will issue you a número de utente (SNS user number). This gives you access to the public healthcare system, including GP visits, emergency care, and subsidized prescriptions.
Private Health Insurance in Portugal
Private health insurance is a popular choice in Portugal, especially among expats, digital nomads, and even locals who want faster, more flexible access to medical care. It complements the public system and offers a range of extra benefits.
Why Choose Private Health Insurance?
- Shorter Wait Times: Faster access to specialists, surgeries, and diagnostic tests.
- Wider Choice of Doctors: You can choose your doctor, clinic, or hospital.
- English-Speaking Staff: Many private providers cater to international clients.
- Comfort: Private hospitals often provide better facilities and more privacy.
How much does Portuguese Health Insurance cost?
- Monthly Premiums: Start as low as €20–€50/month for basic plans; more comprehensive coverage can range from €70–€150/month depending on age, provider, and coverage.
- Co-payments: Most plans cover 80–90% of costs; you pay the rest as a co-pay when using services.
Top Private Insurance Providers in Portugal
- Médis
- Multicare (part of Fidelidade)
- AdvanceCare
- Allianz
- Cigna Global (for international coverage)
Choosing the best private insurance provider in Portugal
Selecting the right private health insurance in Portugal depends on your needs, lifestyle, and budget. Here are key points to help you decide:
1. Check Coverage Options
Look at what’s included — GP visits, specialists, hospital stays, surgeries, maternity, dental, or vision. Some plans offer more than others.
2. Compare Costs
- Monthly premium: Make sure it fits your budget.
- Co-payments: See how much you’ll pay out of pocket per visit.
- Deductibles & annual limits: These can vary widely by plan.
3. Hospital & Clinic Network
Choose a provider with a wide and reputable network. Make sure your preferred clinics or doctors are included, especially if you want English-speaking options.
4. International vs Local Providers
- Local (e.g. Médis, Multicare): More affordable and tailored to Portugal.
- International (e.g. Cigna, Allianz): More expensive but ideal if you travel often or want global coverage.
5. Customer Service & Language
Look for companies with responsive support and English-speaking staff — helpful when managing claims or booking appointments.
Health Insurance for Seniors in Portugal: Key Considerations
If you’re retiring in Portugal or already enjoying your golden years here, health insurance is a key part of ensuring peace of mind and quality care. Here’s what seniors should keep in mind when choosing a plan:
Age Limits and Eligibility
- Some private insurers set maximum age limits (often around 70–75 years).
- Others, like MGEN or certain international providers, offer coverage with no upper age limit.
- Always check if you’re eligible before applying.
Pre-Existing Conditions
- Coverage for chronic illnesses or existing medical conditions may be limited.
- Some insurers apply waiting periods or charge higher premiums.
- Look for plans that clearly state how they handle ongoing conditions.
Level of Coverage
- Make sure the plan includes hospital care, specialist visits, emergency treatment, and ideally some dental or vision coverage.
- Evaluate whether you want inpatient-only or full outpatient coverage.
Waiting Periods
- Many policies include waiting periods for certain services (e.g. surgery, maternity—even if not applicable, it still affects the policy terms).
- Choose plans with shorter waiting times or ask if they can be waived.
Public Healthcare vs. Private Health Insurance
For more videos about investing or moving to Portugal, explore our YouTube channel here: YouTube Channel Portugal Residency Advisors.
Frequently Asked Questions About Health Insurance in Portugal
Is health insurance mandatory in Portugal?
For residents, it’s not mandatory if you’re covered by the public system (SNS). However, for visa applicants and non-residents, private health insurance is often required.
Who can access the public healthcare system (SNS)?
All legal residents, including EU and non-EU citizens with residence permits, can register for SNS and receive subsidized healthcare.
Do I need private health insurance if I have access to SNS?
No, but many people choose private insurance for quicker access, more comfort, and additional services like dental or vision care.
How much does private health insurance cost in Portugal?
It depends on your age and coverage. Basic plans start at around €20–€50/month; more comprehensive plans range from €70–€150/month or more.
Are there age limits for private health insurance?
Some local insurers may have upper age limits (around 65–75), but international providers or special plans (like MGEN) often cover all ages.
What is usually covered by private health insurance?
GP and specialist visits, hospital stays, surgeries, diagnostics, emergency care, and sometimes dental and vision (depending on the plan).
Can I use international health insurance in Portugal?
Yes, many private clinics accept international insurance, especially in major cities and expat-friendly areas.
How do I register for public health insurance (SNS)?
You’ll need a residence permit, NIF (tax number), proof of address, and other basic documents to register at your local Centro de Saúde
What’s the difference between local and international health insurance?
Local plans are more affordable and tailored to Portugal. International plans offer global coverage, which is better for frequent travelers or those splitting time between countries.
Is dental or vision care included in public insurance?
Not usually. Public healthcare covers emergencies and basic treatments, but most dental and vision care is paid out-of-pocket or through private insurance.
