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Insurance

Private Health Insurance (Seguro de Saúde) in Portugal in 2026 — A Practical Guide to Médis, Multicare, Allianz Care and AdvanceCare, the ASF Framework, the Períodos de Carência, the Co-Pagamentos, Pre-Existing Rules and the IRS 15% Deduction

Private Health Insurance (Seguro de Saúde) in Portugal in 2026 — A Practical Guide to Médis, Multicare, Allianz Care and AdvanceCare, the ASF Framework, the Períodos de Carência, the Co-Pagamentos, Pre-Existing Rules and the IRS 15% Deduction

Portugal's private health insurance (seguro de saúde) market — supervised by ASF — covers what the SNS queues for. The four big insurers, the carência calendar, co-pagamentos, pre-existing rules, ADSE, and the 15% IRS deduction.
The Portugal Brief
President Seguro Promulgates Diploma Extending the 'Direito ao Esquecimento' to HIV, Hepatitis C and Diabetes — Cancer Survivors, Chronic Patients and Disabled Borrowers Move Closer to a Non-Discriminatory Credit and Insurance Market

President Seguro Promulgates Diploma Extending the 'Direito ao Esquecimento' to HIV, Hepatitis C and Diabetes — Cancer Survivors, Chronic Patients and Disabled Borrowers Move Closer to a Non-Discriminatory Credit and Insurance Market

Seguro promulgated on 22 April a diploma extending Portugal's 'direito ao esquecimento' to HIV, Hepatitis C and Diabetes on top of oncological disease — binding banks, insurers and, for the first time, insurance mediators. What changes and how covered borrowers can use the new regime.
The Portugal Brief