Health insurance requirements and options vary depending on the type of visa and residency status a foreigner holds in Portugal. This article outlines the health insurance provisions for different categories of foreigners, from Golden Visa and D7 Visa holders to tourists and non-EU residents.
Health Insurance for Golden Visa Holders in Portugal
Foreign nationals coming to Portugal on a Golden Visa are required to carry travel insurance purchased in their home country. The policy must clearly state its validity within Portugal. Once in Portugal and with a Golden Visa granted, investors gain access to the Portuguese National Health Service (SNS), though they will need to complete pre-registration before using it. Additionally, Golden Visa holders have the option to purchase private health insurance, granting access to private healthcare facilities in Portugal.
Health Insurance for D7 Visa Holders in Portugal
The D7 Visa, often referred to as the "retirement visa" or "passive income visa," is a popular choice for individuals who wish to move to Portugal without a significant financial investment. To qualify for a D7 Visa, applicants must provide proof of a one-year medical insurance policy.
D7 residence permits are initially granted for two years and can later be renewed for an additional three years. Once the initial health insurance policy expires, D7 Visa holders become eligible to use SNS services, though pre-registration is required. In addition, many opt to purchase private health insurance, which offers access to private clinics, hospitals, and specialists, making it a flexible and widely used option.
Health Insurance for EU Citizens in Portugal
EU citizens enjoy healthcare access in Portugal thanks to reciprocal agreements between EU nations. By presenting a European Health Insurance Card (EHIC) at Portuguese healthcare facilities, EU citizens can receive necessary medical treatment at no cost. This card covers medical care within all EU/EEA countries and Switzerland.
Additionally, EU residents may seek services at many private clinics in Portugal, where fees are relatively affordable. A general practitioner visit, for example, costs around €40, making it an accessible choice even for basic medical consultations.
Health Insurance for Non-EU Residents (Expat Healthcare in Portugal)
Non-EU nationals living and working in Portugal who are not covered by reciprocal health agreements have two primary options. They can either enroll in the Portuguese social insurance system to access SNS services or purchase private health insurance to meet their healthcare needs. Private health insurance plans provide access to private medical facilities and can offer broader coverage and shorter wait times compared to the public system.
Health Insurance for Tourists Visiting Portugal
Travellers entering Portugal on a short-term visa must have travel insurance. For those on a Schengen Visa, a minimum coverage of €30,000 is required, covering medical expenses not only in Portugal but across the entire Schengen area. Visitors from countries exempt from visa requirements are not obligated to have travel insurance, though it is strongly recommended to ensure protection in case of medical emergencies.
Foreigners residing or travelling in Portugal can access a range of healthcare options based on their visa category. From mandatory travel insurance for tourists and Golden Visa holders to the EHIC for EU nationals and private options for non-EU residents, Portugal’s healthcare system offers flexible pathways to ensure foreigners are adequately covered.
