Lusitania Saúde

by Lusitania Seguros

★★★☆☆3.8(2,870 reviews)

Lusitania Seguros is part of Montepio, one of Portugal's oldest financial institutions dating to 1840. Its Saúde health insurance is positioned as an affordable domestic option for Portuguese residents, with competitive reimbursement for outpatient care at entry-level premiums.

Monthly Premium

€15 - €110

Deductible

€0 - €500

Coverage Type

basic

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✗Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Very competitive entry pricing
✓Montepio Group stability
✓Good reimbursement for outpatient

Cons

✗Less international portability than Allianz or AXA
✗Digital tools less developed

Editorial Review

“Lusitania's Montepio Group heritage brings 180 years of Portuguese mutual tradition to its health insurance product — for domestic Portuguese residents who prioritise local trust and affordable premiums over international portability, it represents the authentic mutual alternative.”

— AbitoTrade.com Portugal Health Insurance Guide 2025; AccessPortugal.net