Preciso de seguro de saúde para obter residência em Portugal?

Depende do tipo de visto. Para quem trabalha remotamente para empresas estrangeiras ou tem rendimentos passivos — vistos D8, D7 e similares — é necessário apresentar prova de cobertura de saúde válida em Portugal. Quem é contratado por uma empresa portuguesa fica coberto pelo SNS através da Segurança Social, mas muitos optam por um seguro privado pela qualidade e rapidez do acesso. Ajudamos a perceber o que faz sentido para o seu caso.

Tenho de fazer o seguro de vida no banco onde faço o crédito?

Não é obrigatório por lei, porém é necessária uma análise mais elaborada da documentação para perceber os eventuais impactos. Aconselhamos os nossos clientes de forma independente, analisando as coberturas adequadas ao seu perfil junto dos nossos parceiros seguradores.

Qual a diferença entre seguro de vida e seguro de saúde?

O seguro de vida cobre o risco de morte ou invalidez — é frequentemente exigido no contexto do crédito habitação para proteger o capital em dívida. O seguro de saúde cobre despesas médicas e acesso a cuidados privados. São produtos distintos, com lógicas e coberturas diferentes. Trabalhamos com ambos.

Seguro de Vida em Portugal

Health and life insurance

The right insurance is not the cheapest. It is the one that makes sense for your profile.

We work with Portugal's leading insurance providers.

Health insurance

For those living in Portugal with professional ties abroad, access to quality private healthcare is not a luxury — it is a practical necessity. We work with the leading insurers in the market to identify the right coverage for your profile, your family and your lifestyle — including international coverage where needed.

Life insurance

Life insurance is a piece of the financial puzzle that deserves attention in its own right. We analyse the coverage appropriate to your profile and your stage of life — without being tied to any financial institution.

FAQ

Do I need health insurance to obtain residency in Portugal?

It depends on the visa type. For those working remotely for foreign companies or living off passive income — D8, D7 and similar visas — proof of valid health coverage in Portugal is required. Those employed by a Portuguese company are covered by the national health service through Social Security, but many opt for private insurance for the quality and speed of access. We help clarify what makes sense for your situation.

Do I have to take out life insurance with the bank where I get my mortgage?

It is not required by law, but a more detailed analysis of the documentation is needed to understand the potential implications. We advise our clients independently, identifying the appropriate coverage for their profile through our insurance partners.

What is the difference between life insurance and health insurance?

Life insurance covers the risk of death or disability — it is frequently required in the context of a mortgage to protect the outstanding capital. Health insurance covers medical expenses and access to private healthcare. They are distinct products with different rationales and coverage. We work with both.

Insurance

Health and life insurance

FAQ