50 Best
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Best Health Insurance in Portugal

6 insurers ranked and reviewed · Updated May 2026

Sources:DECO ProtestePortal dos Seguros de Saude

Healthcare System Overview

Portugal operates a universal public healthcare system through the Servico Nacional de Saude (SNS), funded by taxation. All residents have access to the SNS, but private health insurance is growing rapidly due to long waiting lists in the public system. Approximately 25-30% of the population holds private or voluntary health insurance, often employer-provided.

#1

Multicare (Fidelidade Group)

Multicare — Seguros de Saude, S.A.

private2.0M members
93.5Score
DECO Proteste: #1 Health Insurer(2026)Portal Seguros: Top Rated(2026)
★★★★☆4.2satisfactionFinancial strength: Strong (Fidelidade/Fosun International)

Market Share Rank

#1

Monthly Premium From

~EUR 6.50/month

Network Size

Widest in Portugal

  • Largest hospital and clinic network in Portugal
  • Plans from approximately EUR 6.50/month for basic coverage
  • Strong employer/group insurance segment
  • Digital claims and telemedicine integration
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#2

Medis (Ageas Group)

Medis — Companhia Portuguesa de Seguros de Saude

private1.5M members
88Score
DECO Proteste: #2 Health Insurer(2026)
★★★★☆4.1satisfactionFinancial strength: Strong (Ageas Group)

Market Share Rank

#2

Monthly Premium From

~EUR 9.70/month

Parent Company

Ageas Group (Belgium)

  • Extensive provider network across Portugal
  • Plans from EUR 9.70/month
  • English-speaking support available
  • Strong preventive care and wellness programs
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#3

AdvanceCare (Generali/Tranquilidade Group)

AdvanceCare

private1.0M members
80Score
DECO Proteste: Cost-Effective Choice(2026)
★★★☆☆3.9satisfactionFinancial strength: Strong (Generali Group)

Market Share Rank

#3

Network Model

Healthcare network (multi-insurer)

Parent Company

Generali Group

  • Functions as a healthcare network across multiple insurer partners
  • Strong focus on preventive care programs
  • Competitive pricing through multi-insurer partnerships
  • Digital health tools and claims processing
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#4

Allianz Saude

private300K members
78Score
Portal Seguros: Global Brand Recognition(2026)
★★★★☆4.0satisfactionFinancial strength: AA (S&P — Allianz Group)

Parent Company

Allianz Group

Sp Rating

AA

International Coverage

yes

  • Global Allianz brand with strong financial backing
  • Allianz Saude 55 Mais product for over-55s
  • Strong international coverage through Allianz Care network
  • English-language support available
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#5

Zurich Insurance Portugal

Zurich — Companhia de Seguros

private200K members
75Score
Portal Seguros: Strong Corporate Insurer(2026)
★★★☆☆3.8satisfactionFinancial strength: AA- (S&P — Zurich Group)

Parent Company

Zurich Insurance Group (Switzerland)

Sp Rating

AA-

Focus

Employer/corporate health plans

  • Global Swiss insurer backing
  • Strong employer and corporate health plans
  • International coverage and portability
  • Digital claims processing
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#6

Future Healthcare

private500K members
72Score
Portal Seguros: Growing Digital Insurer(2026)
★★★☆☆3.7satisfaction

Market Share Rank

#4

Network Model

Digital-first healthcare network

Approach

Partnerships with multiple insurers

  • Modern digital-first platform
  • Growing provider network across Portugal
  • Partnerships with multiple insurers
  • Competitive pricing
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About Health Insurance in Portugal

Portugal operates a universal public healthcare system through the Servico Nacional de Saude (SNS), funded by taxation. All residents have access to the SNS, but private health insurance is growing rapidly due to long waiting lists in the public system. Approximately 25-30% of the population holds private or voluntary health insurance, often employer-provided.

Our editorial team has evaluated and ranked the top 6 health insurers in Portugal based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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