The healthcare landscape in Portugal is evolving, notably post-pandemic, with escalating medical costs and doctors opting out of insurance agreements. Hence, choosing a suitable health insurance has become pivotal, especially concerning competitive reimbursements outside insurers’ networks.

Some key considerations when choosing a health insurance in Portugal:

1. Coverage assessment – evaluate if coverage aligns with medical needs;
2. Exclusions and pre-existing conditions – understand waiting periods and exclusions;
3. Provider network – ensure access to a wide network of healthcare providers;
4. Deductibles and copayments – understand additional costs on top of the premium;
5. Additional services and customer support – assess supplementary services and customer support;
6. Premiums and financial conditions – compare costs, coverage and especially terms for an informed decision;
7. Territorial scope and coverage abroad – confirm if a domestic policy is enough or if you also need coverage outside Portugal;
8. Role of an insurance broker for expats – brokers offer vital guidance and comprehensive understanding for expats navigating local insurance dynamics.

Read more about our thoughts on this matter in Portugal Resident's new article: here.