What Are the Best Insurance Providers in Portugal? (2026)
The verdict
Updated August 2026. The Portuguese market is led by groups such as Fidelidade, Médis, and Multicare. For private health insurance, entry prices start at EUR 8.00/month (AdvanceCare). The SNS is free for legal residents. Other lines, such as motor, home, and pet, only quote by simulation.
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What are the best insurance providers in Portugal?
The picks below combine the highest editorial ratings in the catalogue with practical usefulness for expats and residents.
Multicare
Multicare Health Insurance
Best tested price in the base segment.
- Cheapest tested base price
- Broad Fidelidade network
- 180-day waiting period
All packages(1)
- Multicare Seguro de Saúde (Portugal)EUR 28.53/month
Cover set per policy / premium
Prices as of August 2026, verify on the provider site.
Base plan with hospitalisation up to EUR 25,000 and an oral health network included.
- EUR 156.72/year at age 40
- Hospitalisation up to EUR 25,000
- Free online medicine
Best for Anyone wanting the best tested price for health insurance
Médis
Médis Health Insurance
Largest private network in the country.
- Largest private network
- Childbirth cover in mid-tier plans
- Premium rises with age
All packages(1)
- Médis Seguro de Saúde (Portugal)EUR 17.27/month
Cover set per policy / premium
Prices as of August 2026, verify on the provider site.
Market reference with the largest private provider network.
- EUR 207.19/year at age 40
- Largest private network
- Online doctor and second opinion
Best for Those who want the largest private network
Generali Tranquilidade
AdvanceCare Health Insurance
Low entry price.
- Low entry price
- Large network
- Base plan only covers EUR 15,000
All packages(1)
- Seguro de Saúde Individual AdvanceCare (Tranquilidade, Portugal)EUR 8.00/month
Cover set per policy / premium
Prices as of August 2026, verify on the provider site.
Base plan with EUR 15,000 hospital cover and digital reimbursement in 72 working hours.
- From EUR 8/month
- Reimbursement in 72 working hours
- Home and online doctor
Best for Anyone wanting a cheap entry point
Multicare
Multicare Dental
Fixed price of EUR 102/year for one person.
- Fixed price
- Immediate use
- Multicare network only
All packages(1)
- Multicare Dental (Portugal)EUR 102.00/year
Cover set per policy / premium
Prices as of August 2026, verify on the provider site.
Dental plan with a fixed price, no waiting period and no age limit.
- EUR 102/year for 1 person
- No waiting period
- No health questionnaire
Best for Those wanting a fixed price for dental care
Fidelidade
Fidelidade Car Insurance Essential
Largest insurer in the market with assistance included.
- Largest garage network
- Market leader stability
- Premium only via quote
All packages(1)
- Fidelidade Seguro Automóvel Essencial (Portugal)Quote required
Cover EUR 6,000,000.00 / premium · No public premium table; quoted by simulation. The Essencial cover table runs third-party liability up to EUR 6,000,000 (capped at EUR 5M bodily injury and EUR 1M property damage per accident), with level 1 travel assistance and level 1 legal protection included.
Prices as of August 2026, verify on the provider site.
Essential plan includes liability, travel assistance, and legal protection.
- Liability up to EUR 6,000,000
- Travel assistance included
- Legal protection included
Best for Drivers who value a garage network
Fidelidade
Fidelidade Home Bundle
Market leader in home insurance with personal liability included.
- Complete bundle
- Market leader
- Premium only via quote
All packages(1)
- Fidelidade Multirriscos Habitação (Portugal)Quote required
Cover set per policy / premium · No public premium table; simulated per property and sum insured. Market reference: a rented two-bedroom flat with EUR 20,000 of contents usually lands between EUR 60 and 120 a year, but only a simulation confirms it.
Prices as of August 2026, verify on the provider site.
Covers contents, fire, personal liability, and 24-hour home assistance.
- Personal liability included
- 24-hour home assistance
- Covers tenant's contents
Best for Tenants and owners
ARAG
ARAG Legal Protection
Legal protection specialist.
- Specialist
- Several cap levels
- Price by quote
All packages(1)
- ARAG Proteção Jurídica (Portugal)Quote required
Cover set per policy / premium · No public premium table in Portugal; quoted through a broker. Products for individuals, families, drivers and businesses.
Prices as of August 2026, verify on the provider site.
Covers lawyer and court costs in civil, administrative, and labour cases.
- Individual and family cover
- Criminal defence
- Employment law
Best for Individuals and businesses
MAPFRE
MAPFRE Pet Insurance
Vet cover and liability in one policy.
- Health and liability bundle
- MAPFRE network
- Price not published
All packages(1)
- MAPFRE Pet Insurance (Portugal)Quote required
Cover EUR 50,000.00 / premium · No public premium table; simulated per animal, breed and tier (liability / Cuidado Essencial / Extra / Total). One animal per policy.
Prices as of August 2026, verify on the provider site.
Covers consultations, tests, surgery, and third-party liability.
- Veterinary cover
- Liability cover included
- Travel assistance
Best for Dog and cat owners
SafetyWing Insurance I.I.
SafetyWing Nomad Insurance
Buy online without a Portuguese address.
- Flexible
- No Portuguese address needed
- Excludes pre-existing conditions
All packages(1)
- SafetyWing Nomad Insurance Essential (accepted for Portuguese visas)EUR 55.00/month
Cover set per policy / premium
Prices as of August 2026, verify on the provider site.
Covers more than EUR 30,000 in medical expenses, billed in 4-week periods.
- About USD 62.72/4 weeks up to age 39
- No commitment
- Policy in English
Best for Digital nomads and long stays
How to compare insurers in Portugal?
- Request quotes with the same caps and covers.
- Check waiting periods and pre-existing condition exclusions.
- Confirm whether the contracted network has providers in your area.
- Read cancellation terms and the second-year premium.
Frequently Asked Questions
Who is the largest insurer in Portugal?
Fidelidade is the largest Portuguese insurer by premiums, with a strong presence in health, motor, and home. Médis and Multicare are references in private health insurance.
Where can I compare insurance prices in Portugal?
You can simulate directly on insurer websites, use comparators such as Comparaja, or check our price research guide.
Community Q&A