Buying insurance in Portugal? Trusted sources to check before you decide
Before you sign up for a policy, it pays to check who is selling it and which company will actually cover you. This page brings together the sources where you can verify insurers and insurance brokers, understand health insurance in Portugal and, if you have just moved here, find the public services you will need.
Each entry tells you what type of source it is and what to use it for. Most of these sites are in Portuguese. This is general information, not a substitute for reading your policy terms or getting advice from a registered insurance broker.
How to check that an insurer or insurance broker is authorised
The ASF is the authority that supervises insurance in Portugal. Check here before you sign or pay.
- Regulator
ASF Consumer Portal: authorised entities
Use this source to confirm that the insurer you are about to buy from is authorised to operate in Portugal.
See authorised entities (ASF) (external site, opens in a new tab) - Regulator
ASF: insurance intermediary search
Use this source to confirm that the person or company offering you insurance is registered as an intermediary, and in which category.
Search intermediaries on the ASF site (external site, opens in a new tab) - Regulator
ASF Insurance Consumer Portal
Use this source to find information for policyholders on rights and procedures.
Open the ASF Consumer Portal (external site, opens in a new tab)
Health insurance and medical networks: where to check
With health insurance, the insurer carries the risk while the provider network may be run by another company. Always check which network applies to your policy.
- Regulator
Health Insurance Portal (ASF)
Use this source to understand how health insurance works in Portugal before comparing offers.
Open the Health Insurance Portal (external site, opens in a new tab) - Commercial operator
Médis network
Use this source to search for providers in the Médis network.
Search the Médis network (external site, opens in a new tab) - Commercial operator
Multicare
Use this source to visit Multicare and its provider network.
Visit Multicare (external site, opens in a new tab) - Commercial operator
AdvanceCare medical network
Use this source to search for providers in the AdvanceCare network.
Search the AdvanceCare network (external site, opens in a new tab) - Commercial operator
Future Healthcare medical network
Use this source to view the network managed by Future Healthcare.
See the Future Healthcare network (external site, opens in a new tab) - Regulator
ERS, Health Regulatory Authority
Use this source to check that a healthcare provider is registered and find out how to complain.
Visit the ERS site (external site, opens in a new tab) - Public body
SNS 24
Use this source to learn about the National Health Service, which stays available to you even with private insurance.
Open SNS 24 (external site, opens in a new tab)
Moved to Portugal? Official sources to start with
Before choosing insurance, sort out residence, public services and social security. Always confirm current information on the original site.
- Public body
AIMA, Agency for Integration, Migration and Asylum
Use this source to information on residence permits.
Visit the AIMA site (external site, opens in a new tab) - Public body
gov.pt
Use this source to find official guides to public services in Portugal.
Open gov.pt (external site, opens in a new tab) - Public body
Segurança Social (Social Security)
Use this source to registration and social protection.
Visit Segurança Social (external site, opens in a new tab) - Public body
SNS 24
Use this source to access to the National Health Service.
Open SNS 24 (external site, opens in a new tab)
How we chose these sources
- Official sources first: regulators and public bodies.
- Insurer and network operator sites are commercial. Use them to look up networks, not as independent reviews.
- Being listed here does not mean a partnership, endorsement or agreement with Planeia.
- Always check the latest version on each site and read your policy terms before deciding.