Does Portuguese health insurance cover you while traveling? – Healthcare in Portugal – Expats Portugal Community Forum
Share:
Notifications
Clear all

Please feel free to view our Forum, but you must either LOGIN or REGISTER to join in the conversation.

Does Portuguese health insurance cover you while traveling?

9 Posts
5 Users
26 Likes
149 Views
Posts: 104
Premium Member
Topic starter
(@emergentt)
Member
Joined: 1 year ago

Sorry to bother the collective but a question just came to mind. We are planning on moving with d7 visa in place next spring. Probably will also buy additional health insurance as well. 

Question: we will have to return to the US for a month or so every year. If we have a health issue while visiting the US ( or any country ) will our Portuguese insurance “cover” our costs. 

Health insurance is a big headache for most in the US (despite me working in health care 🙂 )so it weighs on my mind a bit.

 

thanks for any insight or personal experiences you might have/share. 

gene

8 Replies
Posts: 488
Premium Member
(@hank_2021)
Member
Joined: 2 years ago

Hi Gene,

When we got our quote from Millenium, we asked this specific question and they said yes, it is covered.  I want to say that it was good for 90 days while you were out of the country.  I could be misremembering, but I definitely remember that it was certainly a thing.

Reply
2 Replies
Premium Member
(@emergentt)
Joined: 1 year ago

Member
Posts: 104

@hank_2021 excellent. Thanks for remembering to ask the question! That’s good news. I can’t wait to cancel my health insurance in the US. 🙂

Reply
Premium Member
(@hank_2021)
Joined: 2 years ago

Member
Posts: 488

@emergentt Yup, we asked specifically because we need to fly back multiple times a year to visit family.

As other commenter pointed out in the thread (@bert) make sure to ask your health care provider specifically.

I imagine it could also depend on the level of coverage that you end up getting.

Reply
Posts: 291
 Bert
Premium Member
(@bert)
Member
Joined: 2 years ago

A bit of clarification. That quote was for Millennium that Hank mentions. But if you have insurance from another insurer you better check. I know for mine that is not the case.

Reply
Posts: 193
Ask Our Expats Consultant
(@anavieira)
Member
Joined: 2 years ago

Hello,

In general, private Health Insurance made in Portugal covers you when travelling abroad for a certain amount of consecutive days. It may depend on the company and it can be from 30 up to 90 days. 
What is more important to know is that it will only work in emergency/ accident needs and it will work as a refund. Meaning you will have to pay and then bring all papers/ invoices/ prescriptions/ reports, etc and ask for a refund. 
The refund is not 100%. It is only a certain amount - it can be 35% to 50% or more depending on the insurance company and plan that you subscribe.
When traveling, it is always better to do a travel insurance for the period of your travel, which will cover you better.

 

Obrigada 🙂
Ana 

  

Reply
Posts: 104
Premium Member
Topic starter
(@emergentt)
Member
Joined: 1 year ago

Excellent points. thanks.

Reply
2 Replies
 Zoom
Premium Plus member
(@zoom)
Joined: 2 years ago

Member
Posts: 179

@emergentt I'm afraid there is another issue to deal with for us US expats - the insurance in Portugal has low maximum limits per year, since health care costs are low, but it looks like those limits are WAY under potential bills in the US for major issues. I'm looking into ways to mitigate that, with add-on travel insurance - will update once I find out.

Reply
Ask Our Expats Consultant
(@anavieira)
Joined: 2 years ago

Member
Posts: 193

@zoom Thats another reason to buy travel insurance everytime you travel outside Portugal 🙂

Reply

To post a reply, sign up and become a member!

Premium

By becoming a valued Premium Member today, your support will help the team continue to bring you useful content about life in Portugal. You can also:

JOIN TODAYOnly €25 per year
Share:

Join our community for Free, or subscribe for exclusive member-only content, support and hundreds of €’s in savings

Your membership comes with a 14-day, no-risk, money back guarantee. Love it or we’ll refund your money.

Community Member

Full access to our community Forum
FREE
  • Full access to community Forum

Premium Member

Exclusive member-only content
€97 Year
  • Full access to community Forum
  • Browse the forum advertising-free (only see our partners)
  • Unlock your ‘12 part Moving to Portugal" guide
  • Guaranteed entry to our webinars
  • Savings & freebies from our partners
  • Receive community support
  • Personal email support
  • Receive exclusive video content
  • And help us grow this website and community
Popular

Premium Plus

  • We are no longer taking applicants for this program
  • Look out for new features on our new site coming soon

Copyright © 2022 Expats Portugal

Marketing by Unity Online