Frequently Asked Questions (FAQs) about Insurance in Portugal

We are direct representatives of the Ageas - Médis Group. Contact us: luis.alberto@private.ageas.pt

Whatsapp: click here to chat.


1. Do I need health insurance for my D7 or D8 visa application?
Yes, health insurance is a mandatory requirement for the D7 visa application. The insurance must cover the entire Schengen area, have a minimum coverage of €30,000, and be valid for at least the duration of your initial visa period. We offer specific plans tailored to D7 and D8 visa applicants.

2. What documents do I need to get insurance in Portugal?
To purchase insurance in Portugal, you will typically need:

  • NIF (Número de Identificação Fiscal): Your Portuguese tax identification number.
  • IBAN: A Portuguese bank account number for payment purposes.
  • Proof of Address: A document that confirms your residence in Portugal (e.g., a utility bill or rental contract).
  • ID or Passport: Valid identification to verify your identity.

3. Can I complete the paperwork remotely without visiting your office?
Yes, we can handle the entire process remotely. We use secure methods such as SMS codes or digital signatures to certify the contract, ensuring a seamless and convenient experience without the need for an in-person visit.

4. Which brands do you work with?
We work exclusively with the Ageas Group, which includes well-known brands like Médis (health insurance) and Petis (pet insurance). Our offerings cover a wide range of solutions, from life insurance to investment products, such as individual pension funds and corporate financial instruments. This partnership ensures high-quality services tailored to both personal and business needs.

5. Are pre-existing conditions covered under health insurance in Portugal?
Generally, health insurance policies in Portugal do not cover pre-existing conditions, especially for new policies. It's important to read the terms and conditions carefully and clarify with us whether any waiting periods or exclusions apply to your situation.

6. Can I access public healthcare with private health insurance?
Private health insurance does not grant automatic access to Portugal's public healthcare system (SNS). However, as a resident, you can register for the SNS, which offers low-cost or free healthcare services. Many expatriates choose to use private insurance to supplement public healthcare or to access faster, specialized services.

7. Do I need a public healthcare system user number to use private health insurance?
No, you can purchase and use private health insurance without a public healthcare system user number (Número de Utente do SNS). However, some healthcare providers, particularly those operating within or affiliated with the public system, may request this number before offering certain services. If you plan to use both public and private healthcare, it’s advisable to register for a Número de Utente to avoid potential delays.

8. What should I know about travel insurance and residence in Portugal?
If you’re moving to Portugal, short-term travel insurance is insufficient for residency purposes. You will need a long-term health insurance plan or proof of registration with the SNS once you become a resident.

9. If I am a professional in my home country, can I get any benefits in Portugal?
Yes, but you must register with the corresponding Portuguese professional association or order (Ordem) for your field, such as the Ordem dos Médicos for doctors or the Ordem dos Engenheiros for engineers. Once registered, you will receive a membership number that can grant you access to specific benefits, such as professional liability insurance or health plans tailored for members. Registration requirements vary by profession, so be sure to check the specific criteria for your area of expertise.

10. What are the typical mandatory insurances in Portugal?
Portugal requires or strongly recommends several types of insurance depending on your activities and needs:

  • Professional Liability Insurance: Mandatory for many regulated professions, such as engineers, architects, doctors, physiotherapists, and alternative medicine practices such as homeopaths, osteopaths, among others, to cover damages caused during the exercise of professional duties.
  • Car Insurance: Third-party liability insurance (Responsabilidade Civil Automóvel) is legally required for all vehicle owners.
  • Multi-Risk Home Insurance: Often required for homeowners with a mortgage, covering risks such as fire, theft, and structural damage.
  • Life and Property Insurance for Mortgages: Banks require life insurance and property insurance as part of mortgage agreements.
  • Landlord Insurance: Recommended for property owners renting out their properties. This insurance typically covers damages caused by tenants and liability for accidents within the rented property.

These insurances ensure compliance with Portuguese regulations and provide financial protection against unforeseen risks.

11. I run a short-term rental (Alojamento Local). What insurance do I need?
If you manage a short-term rental property in Portugal (Alojamento Local or AL), there are specific insurance requirements:

  • Civil Liability Insurance: Mandatory for all AL establishments, this insurance covers damages or accidents involving guests or third parties while on the property.
  • Property Insurance: This insurance is to protect against risks such as fire, flooding, theft, or other damages to the building or its contents.
  • Multi-Risk Insurance for AL Properties: We offer tailored policies for AL properties, combining civil liability and property coverage in a single package.

Compliance with these insurance requirements ensures that your business is protected and meets legal obligations. Always check local municipal regulations, as requirements may vary by region.

12. Are there any tax benefits for having insurance in Portugal?
Yes, both individuals and businesses in Portugal can benefit from tax incentives related to insurance:

  • For Individuals: Certain insurance premiums, such as life insurance and health insurance, may be partially deductible on your annual income tax return (IRS), up to specified limits. These benefits depend on factors such as your household income and the type of insurance policy.
  • For Businesses: Companies can deduct insurance premiums related to their operations, such as professional liability insurance, employee health insurance, or property insurance, as business expenses. This can reduce the taxable income of the business.

If you have more questions or need personalized assistance, feel free to contact us for expert guidance!

13. Do you have a verified profile on LinkedIn?
Yes, we have a verified profile on LinkedIn, click here to visit it.


Contact us by email: luis.alberto@private.ageas.pt

Whatsapp

Publicações mais lidas

A diferença entre responsabilidade civil profissional e responsabilidade civil de exploração

Em um cenário empresarial cada vez mais complexo, a gestão de riscos é uma prioridade essencial para qualquer organização. A contratação de seguros de responsabilidade civil é uma medida vital para garantir a proteção contra uma variedade de riscos, mas é fundamental entender as diferenças entre os tipos de responsabilidade civil cobertos. Dois tipos que frequentemente geram dúvidas são a responsabilidade civil profissional e a responsabilidade civil de exploração. Apesar de estarem relacionadas à proteção contra danos a terceiros, suas naturezas e âmbitos de cobertura são bastante distintos. Responsabilidade Civil Profissional: Proteção contra Erros e Omissões A responsabilidade civil profissional é uma cobertura direcionada a proteger profissionais que, no exercício de suas atividades, podem causar danos a terceiros devido a erros, omissões ou negligências. Este tipo de seguro é essencial para profissões que envolvem a prestação de serviços técnicos ou intelectuais, onde uma falha po...
Read more »

Tendências dos Seguros em 2025: Inovação e Sustentabilidade

O setor de seguros em Portugal está a atravessar uma fase de transformação sem precedentes. Em 2025, espera-se que as principais tendências sejam impulsionadas por avanços tecnológicos, uma maior consciência ambiental e um foco renovado no cliente. Estas mudanças representam não apenas desafios, mas também oportunidades únicas para as seguradoras e os consumidores. Digitalização e a Importância da Experiência do Cliente Nos últimos anos, a digitalização tem sido um tema central no setor dos seguros. Em 2025, esta tendência deverá consolidar-se ainda mais, com as seguradoras a apostar em ferramentas como inteligência artificial (IA), análise preditiva e chatbots mais sofisticados. Estas tecnologias permitem oferecer soluções personalizadas e respostas mais rápidas, melhorando significativamente a experiência do cliente. A experiência digital também deve ser integrada com um atendimento humano de qualidade. Em vez de substituir completamente os agentes tradicionais, a tecnologia pode ser...
Read more »

Painéis solares e eletrodomésticos protegidos: A importância do seguro multirriscos

Nos últimos anos, tem-se observado um crescimento significativo da adoção de painéis solares em Portugal. Incentivados por uma política ambiental mais verde e pelo desejo de reduzir custos com energia, muitos portugueses estão a apostar na energia solar para tornar as suas casas mais sustentáveis. No entanto, ao integrar essas novas tecnologias nas nossas residências, surge uma nova preocupação: como proteger os equipamentos em caso de danos? É neste cenário que o seguro multirriscos revela-se uma solução eficaz. Proteção Contra Danos aos Painéis Solares Os painéis solares são investimentos relativamente elevados, com custos iniciais que podem chegar a milhares de euros. Estes equipamentos, além de sofisticados, estão expostos às intempéries: chuva intensa, ventos fortes, granizo e até vandalismo. Numa situação em que o clima é imprevisível, como o de Portugal, é vital que estes sistemas sejam protegidos. O seguro multirriscos residencial, já amplamente utilizado para proteger as habit...
Read more »