Individuals & Families
How many times have you needed a professional and independent advise on insurance matters?
At MEDAL, our commitment is that there will always be someone available to provide you all the necessary attention to help you sort out any insurance matter.
To you and your family or your personal assets, our staff will always be available to find and provide you the most adequate solutions available in the market.
Bearing in mind that each individual, or family, has its own particular needs, we are always available to design the solution that best fits each particular case.
What We Offer
Motor Insurance
Protect your vehicle with exclusive conditions for afpop members — competitive premiums and plans with coverage tailored to your needs.
Household Insurance
Complete protection for your home. Comprehensive cover with exclusive discounts for afpop members.
Health Insurance
Privileged access to private healthcare in Portugal, with flexible plans and reduced premiums for afpop members. Discover the health insurance with the best value for money on the market in Portugal.
Travel Insurance
Travel with confidence. Worldwide protection with exclusive afpop member conditions.
Other Products & Solutions
From life to business, we create exclusive insurance solutions tailored to your needs.
Other Corporate Insurances & Solutions
From logistics to retail, we build policies around your exact risks. No generic packages—just smart, customised protection.
What our clients are
saying about us
Why Choose MEDAL
At MEDAL, we are committed to supporting individuals and families with independent advice and tailored insurance solutions, designed to fit your lifestyle and priorities. From protecting your home, health, car and travel to securing your financial future, we create coverage that works for you.
Through strong partnerships with leading insurers, we provide exclusive benefits, including products designed specifically for expatriates and afpop members.
Our mission? To give you peace of mind, ensuring that what matters most is always protected — so you can enjoy life in Portugal with confidence and without worries.
Feature | MEDAL | Typical Broker |
|---|---|---|
Tailored for Expats |  |  |
Bilingual Support | | |
Local & International Insurance Expertise | | |
Custom Policy Building | |  |
In-house Claims Team | | |
FAQs
No. MEDAL is an Insurance Broker duly registered and authorised by the ASF – Autoridade de Supervisão de Seguros e Fundos de Pensões (the Portuguese Insurance and Pension Funds Supervisory Authority), licensed to operate in both Life and Non-Life branches. Our role is to advise, intermediate, and present the most suitable solutions for our Clients, selected from a range of reputable insurers.
Because you benefit from over 30 years of experience and an independent team with strong negotiating power with insurers. We ensure tailored solutions, appropriate coverage, competitive prices, and ongoing support – always in full compliance with Portuguese law.
We provide all sorts of insurances, including a wide range of Life and Non-Life insurance, including health, motor, home, travel, liability, workers’ compensation, and business insurance. We also offer specialised products for expatriates and bespoke packages designed for families and national companies.
afpop (Association of Foreign Residents and Property Owners in Portugal) is the largest association of its kind in the country, supporting thousands of expatriates and residents (more information available at www.afpop.com). Since its foundation in 1996, MEDAL has been a trusted partner of afpop, providing its members with exclusive insurance products, preferential conditions, and premium discounts tailored to their specific needs.
Yes. As a long-standing partner of afpop, we have developed specific products for its members (Health, Household, Motor and Travel), with advantageous terms, premium discounts, and exclusive coverage that are not available on the open market.
No. Premiums are identical to those charged directly by insurers. Our remuneration is paid in the form of commissions by the insurers, meaning that Clients do not bear any additional cost.
Unlike going directly to an insurer, an independent broker such as MEDAL offers impartial advice, access to several insurers, expert negotiation, and close support. We also have a dedicated Claims Department, assisting Clients throughout the entire claims reporting, follow-up, and settlement process.
Yes. All our staff meet the continuous training and certification requirements set by the ASF, providing professional, independent advice in line with best industry practices.
MEDAL
a name you can trust!
Founded in 1996, and with extensive experience in the most diverse areas of business and economic activities in the region, our commitment is to offer our clients – Individuals or Legal Entities – the best solutions on the market for the most varied risks with personalized and excellent service.
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Portugal
