# How Much Does Insurance Cost in Portugal? (2026)

> Illustrative price bands for insurance in Portugal: health, car, home, dental, travel, and pet.

By Jules de Bruin · URL: https://www.how-to-portugal.com/insurance/price-research

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.

## 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.

> Narrow it down

32 policies in the catalogue.

Your situation

Health7Dental2No waiting period17International cover5Filters grey out policies that do not match; every policy stays in the table so the page remains crawlable.

The short answer

The short answer: the cheapest policy here is SNS, Serviço Nacional de Saúde (Portugal) at EUR 0.00/month.

Rank byPriceRatingWaiting

### 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 hereother | EUR 0.00per month | EUR 0.00 | 0 months | statutory | [Get quote](https://www.gov.pt/servicos/pedir-o-numero-de-utente-do-sns) |

### 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 hereother | EUR 0.00per month | EUR 0.00 | 0 months | statutory | [Get quote](https://www.comparaja.pt/financas-pessoais/artigos/adse) |

### 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 hereother | EUR 0.00per month | EUR 0.00 | 0 months | statutory | [Get quote](https://www2.gov.pt/cidadaos-europeus-viajar-viver-e-fazer-negocios-em-portugal/cuidados-de-saude-em-portugal/cartao-europeu-de-seguro-de-doenca) |

### 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 hereother | EUR 0.00per month | EUR 0.00 | 0 months | statutory | [Get quote](https://www.estudarfora.org.br/pb4/) |

### 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 herelife-income | EUR 1.49per month | EUR 17.88 | n/a | other | [Get quote](https://www.nos.pt/) |

### Via Directa - Companhia de Seguros, S.A. (Fidelidade Group)

2 policies

Price band

EUR 2.46 to EUR 12.22

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| ok! casaBest herehousehold | EUR 2.46per month | EUR 29.54 | 0 months | other | [Get quote](https://okteleseguros.pt/seguros/casa/coberturas) |
| ok! auto / ok! auto carecar | EUR 12.22per month | EUR 146.64 | 0 months | other | [Get quote](https://okteleseguros.pt/seguros/automovel/care) |

### Generali Seguros, S.A.

2 policies

Price band

EUR 3.00 to EUR 11.72

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Logo Casa - RecheioBest hererenters-contents | EUR 3.00per month | EUR 36.00 | 0 months | other | [Get quote](https://www.logo.pt/) |
| Generali Tranquilidade Caes e Gatos (Base / Mais / Top)pet | EUR 11.72per month | EUR 140.64 | n/a | other | [Get quote](https://www.generalitranquilidade.pt/particulares/seguros/animais-domesticos/caes-e-gatos/comparador) |

### Fidelidade - Companhia de Seguros, S.A.

2 policies

Price band

EUR 3.26 to EUR 9.97

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Fidelidade Pets (Pet 1 / Pet 2 / Pet 3 / Pet Vital)Best herepet | EUR 3.26per month | EUR 39.12 | n/a | other | [Get quote](https://www.cgd.pt/Particulares/Seguros/Pages/Seguro-Pets.aspx) |
| Fidelidade Protecao Vital da Familialife-income | EUR 9.97per month | EUR 119.64 | n/a | other | [Get quote](https://www.fidelidade.pt/) |

### 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 herepet | EUR 6.65per month | EUR 79.80 | 0 months | other | [Get quote](https://www.ctt.pt/particulares/dinheiro-e-seguros/fazer-seguro/seguro-caes-e-gatos) |

### Generali Seguros, S.A. (Generali Group)

2 policies

Price band

EUR 6.67 to EUR 13.20

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Logo CasaBest herehousehold | EUR 6.67per month | EUR 80.04 | 0 months | other | [Get quote](https://www.logo.pt/) |
| Logo Auto Light / Logo Auto Maxcar | EUR 13.20per month | EUR 158.40 | 0 months | other | [Get quote](https://www.logo.pt/seguros/automovel) |

### 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 hereother | EUR 6.75per month | EUR 81.00 | 0 months | private_supplementary | [Get quote](https://saudeprime.pt/) |

### 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 hereother | EUR 7.50per month | EUR 90.00 | 0 months | private_supplementary | [Get quote](https://www.hipersuper.pt/2022/09/06/sonae-lanca-seguro-saude-quer-conquistar-um-milhao-portugueses-cinco-anos) |

### 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 hereother | EUR 8.00per month | EUR 96.00 | 3 months | private_supplementary | [Get quote](https://www.generalitranquilidade.pt/particulares/seguros/saude/saude-individual) |

### Multicare, Seguros de Saúde, S.A. (grupo Fidelidade)

2 policies

Price band

EUR 8.50 to EUR 28.53

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| Multicare Dental (Portugal)Best heredental | EUR 8.50per month | EUR 102.00 | 0 months | other | [Get quote](https://multicare.pt/proteger/saude-oral/multicare-dental) |
| Multicare Seguro de Saúde (Portugal)other | EUR 28.53per month | EUR 342.36 | 6 months | private_supplementary | [Get quote](https://www.deco.proteste.pt/saude/seguro-saude/noticias/seguro-saude-multicare-medis) |

### 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 heredental | EUR 10.00per month | EUR 120.00 | 0 months | other | [Get quote](https://www.allianz.pt/seguro-dental.html) |

### 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 hereother | EUR 12.13per month | EUR 145.56 | 3 months | private_supplementary | [Get quote](https://saudeprime.pt/) |

### 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 hereother | EUR 16.58per month | EUR 198.96 | 3 months | private_supplementary | [Get quote](https://www.deco.proteste.pt/saude/seguro-saude/noticias/seguro-saude-multicare-medis) |

### 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 hereother | EUR 17.27per month | EUR 207.24 | 3 months | private_supplementary | [Get quote](https://www.deco.proteste.pt/saude/seguro-saude/noticias/seguro-saude-multicare-medis) |

### 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 hereother | EUR 26.00per month | EUR 312.00 | 0 months | travel | [Get quote](https://www.intermundial.pt/seguro-de-viagem/seguro-go-schengen) |

### 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 hereother | EUR 50.00per month | EUR 600.00 | n/a | international | [Get quote](https://nomadgrid.app/blog/genki-vs-safetywing) |

### 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 hereother | EUR 55.00per month | EUR 660.00 | 0 months | international | [Get quote](https://safetywing.com/nomad-insurance) |

### Underwritten by Tokio Marine HCC

2 policies

Price band

EUR 58.00 to EUR 150.00

| Policy | Per month | Per year | Waiting | Type |
| --- | --- | --- | --- | --- |
| SafetyWing Nomad Insurance Essential for PortugalBest hereother | EUR 58.00per month | EUR 696.00 | n/a | international | [Get quote](https://coworkingdays.com/members-perks/stay-insured-while-working-remotely/) |
| SafetyWing Nomad Insurance Complete for Portugalother | EUR 150.00per month | EUR 1,800.00 | n/a | international | [Get quote](https://coworkingdays.com/members-perks/stay-insured-while-working-remotely/) |

### 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 hereother | EUR 90.00per month | EUR 1,080.00 | n/a | travel | [Get quote](https://schengen.europ-assistance.com/en) |

### 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 hereother | EUR 144.44per month | EUR 1,733.28 | n/a | voluntary_statutory | [Get quote](https://www.santander.pt/salto/seguro-social-voluntario) |

### 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 hereother | EUR 147.00per month | EUR 1,764.00 | 0 months | travel | [Get quote](https://www.axa-schengen.com/pt/seguro-viagem/beneficios/preco-seguro-viagem) |

### 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 hereother | 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.

## Related Guides

[### Insurance in Portugal Overview.](/insurance)[### Health insurance SNS and private.](/insurance/health-insurance)[### Best insurance providers Ranking.](/insurance/providers)

## 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.

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Source: https://www.how-to-portugal.com/insurance/price-research
Last updated: n/a
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