How Much Does Insurance Cost in Portugal? (2026)
The verdict
Updated August 2026. The SNS is free for legal residents. Entry-level private health insurance starts at EUR 8.00/month (AdvanceCare) and EUR 7.50/month (KeepWells). Fixed-price dental insurance costs EUR 102.00/year (Multicare Dental). Car, home, pet, and legal insurance only quote by simulation.
Jump to section
How much do fixed-price insurance policies cost in Portugal?
Use the filters to see only the line you care about, then re-rank by price, rating or waiting period.
The short answer
The short answer: the cheapest policy here is SNS, Serviço Nacional de Saúde (Portugal) at EUR 0.00/month.
Estado Português, Serviço Nacional de Saúde (SNS)
1 policy
Price band
EUR 0.00 to EUR 0.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
SNS, Serviço Nacional de Saúde (Portugal)Best here other | EUR 0.00per month | EUR 0.00 | 0 months | statutory | Get quote |
ADSE, I.P. (a public institute, not a private insurer)
1 policy
Price band
EUR 0.00 to EUR 0.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
ADSE, subsistema de saúde dos trabalhadores do Estado (Portugal)Best here other | EUR 0.00per month | EUR 0.00 | 0 months | statutory | Get quote |
Portuguese State / SNS (European coordination instrument)
1 policy
Price band
EUR 0.00 to EUR 0.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Cartão Europeu de Seguro de Doença (CESD / EHIC) PortugalBest here other | EUR 0.00per month | EUR 0.00 | 0 months | statutory | Get quote |
Bilateral state agreement (no insurer)
1 policy
Price band
EUR 0.00 to EUR 0.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
CDAM / PB4 certificate (Portugal-Brazil health agreement)Best here other | EUR 0.00per month | EUR 0.00 | 0 months | statutory | Get quote |
MetLife Europe d.a.c. - Sucursal em Portugal
1 policy
Price band
EUR 1.49 to EUR 1.49
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
NOS Protecao de Fatura (MetLife-underwritten)Best here life-income | EUR 1.49per month | EUR 17.88 | n/a | other | Get quote |
Via Directa - Companhia de Seguros, S.A. (Fidelidade Group)
2 policies
Price band
EUR 2.46 to EUR 12.22
Generali Seguros, S.A.
2 policies
Price band
EUR 3.00 to EUR 11.72
Fidelidade - Companhia de Seguros, S.A.
2 policies
Price band
EUR 3.26 to EUR 9.97
Generali Seguros, S.A. (product serviced in Generali Tranquilidade app/portal, confirm entity in CTT DIPS)
1 policy
Price band
EUR 6.65 to EUR 6.65
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
CTT Seguro Caes e GatosBest here pet | EUR 6.65per month | EUR 79.80 | 0 months | other | Get quote |
Generali Seguros, S.A. (Generali Group)
2 policies
Price band
EUR 6.67 to EUR 13.20
None, discount plan on the Future Healthcare network; NOT an insurance product
1 policy
Price band
EUR 6.75 to EUR 6.75
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Plano Saúde Prime Portugal (discount health plan, not insurance)Best here other | EUR 6.75per month | EUR 81.00 | 0 months | private_supplementary | Get quote |
Generali Tranquilidade (subscritora); marca KeepWells da MC (Sonae); rede AdvanceCare
1 policy
Price band
EUR 7.50 to EUR 7.50
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
KeepWells Keep Simples (Portugal)Best here other | EUR 7.50per month | EUR 90.00 | 0 months | private_supplementary | Get quote |
Generali Tranquilidade (subscritora); AdvanceCare gere rede, autorizações e reembolsos
1 policy
Price band
EUR 8.00 to EUR 8.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Seguro de Saúde Individual AdvanceCare (Tranquilidade, Portugal)Best here other | EUR 8.00per month | EUR 96.00 | 3 months | private_supplementary | Get quote |
Multicare, Seguros de Saúde, S.A. (grupo Fidelidade)
2 policies
Price band
EUR 8.50 to EUR 28.53
Companhia de Seguros Allianz Portugal, S.A.
1 policy
Price band
EUR 10.00 to EUR 10.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Allianz Saude DentalBest here dental | EUR 10.00per month | EUR 120.00 | 0 months | other | Get quote |
Saúde Prime (comercializadora); rede médica Future Healthcare
1 policy
Price band
EUR 12.13 to EUR 12.13
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Seguro Saúde Prime (Portugal)Best here other | EUR 12.13per month | EUR 145.56 | 3 months | private_supplementary | Get quote |
MGEN, Mútua dos Engenheiros (seguradora mutualista); rede AdvanceCare e Dentinet
1 policy
Price band
EUR 16.58 to EUR 16.58
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
MGEN Base (Portugal)Best here other | EUR 16.58per month | EUR 198.96 | 3 months | private_supplementary | Get quote |
Médis, Companhia Portuguesa de Seguros de Saúde, S.A. (grupo Ageas Portugal)
1 policy
Price band
EUR 17.27 to EUR 17.27
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Médis Seguro de Saúde (Portugal)Best here other | EUR 17.27per month | EUR 207.24 | 3 months | private_supplementary | Get quote |
Policies underwritten by partner insurers via InterMundial brokerage (carrier shown on certificate)
1 policy
Price band
EUR 26.00 to EUR 26.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
InterMundial Go Schengen travel insurance for Portugal visaBest here other | EUR 26.00per month | EUR 312.00 | 0 months | travel | Get quote |
European risk carrier arranged by DR-WALTER (exact underwriter per plan version, verify on quote; historically Allianz Partners/Dialog group entities)
1 policy
Price band
EUR 50.00 to EUR 50.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Genki health insurance (Traveler / Native / Explorer) for PortugalBest here other | EUR 50.00per month | EUR 600.00 | n/a | international | Get quote |
SafetyWing Insurance I.I., an insurer domiciled in Puerto Rico, with SafetyWing Ltd as managing agent
1 policy
Price band
EUR 55.00 to EUR 55.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
SafetyWing Nomad Insurance Essential (accepted for Portuguese visas)Best here other | EUR 55.00per month | EUR 660.00 | 0 months | international | Get quote |
Underwritten by Tokio Marine HCC
2 policies
Price band
EUR 58.00 to EUR 150.00
Europ Assistance (Generali group)
1 policy
Price band
EUR 90.00 to EUR 90.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Europ Assistance Schengen travel insurance for Portugal visaBest here other | EUR 90.00per month | EUR 1,080.00 | n/a | travel | Get quote |
Portuguese State social-security system
1 policy
Price band
EUR 144.44 to EUR 144.44
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Seguro Social Voluntário, voluntary statutory social insurance PortugalBest here other | EUR 144.44per month | EUR 1,733.28 | n/a | voluntary_statutory | Get quote |
AXA group (Inter Partner Assistance)
1 policy
Price band
EUR 147.00 to EUR 147.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
AXA Schengen travel insurance (Basic / Essential / Premium) for Portugal visaBest here other | EUR 147.00per month | EUR 1,764.00 | 0 months | travel | Get quote |
Cigna Global (grupo The Cigna Group)
1 policy
Price band
EUR 204.00 to EUR 204.00
| Policy | Per month | Per year | Waiting | Type | |
|---|---|---|---|---|---|
Cigna Global International Health Insurance (usado para Portugal)Best here other | EUR 204.00per month | EUR 2,448.00 | n/a | international | Quote by form |
Prices as of August 2026, verify on the insurer site. Premiums are illustrative for the profile shown in the catalogue.
Which lines only quote by simulation?
Car, home, personal liability, legal protection, pet, and Schengen travel insurance have no fixed public price. The premium depends on the risk profile and only a quote gives the exact amount.
What affects insurance prices?
- Age of the policyholder and pre-existing conditions.
- Cover cap and chosen excess.
- Location (district and urban or rural area).
- Claims history and years licensed, for car insurance.
- Type of vehicle, property, or animal insured.
Frequently Asked Questions
Is private health insurance expensive in Portugal?
No, relatively compared with other European countries. Entry-level plans start at around EUR 8/month, although the price rises with age and cover cap.
Why doesn't car insurance have a fixed price?
The premium depends on the vehicle, driver age, years licensed, district, claims history, and covers. Only a quote gives the exact amount.
Is the SNS really free?
Yes, for legal residents. There are moderate fees for some services, but exemptions apply for pregnant women, children, and chronic patients.
Community Q&A