THE ESSENTIALS
Before you start
- Keep the original invoice.
- Identify currency and date.
- Separate bank charges.
The contract supplies the rule
The ASISA PLUS and PREMIUM terms checked use Banco de Portugal’s exchange rate on the expense date. This is a product example. Another contract may work differently; a card conversion charge should also remain separate from the price of the medical service.
Sources: ASISA — Condições Gerais Saúde PLUS e PREMIUM, artigo 24.º — checked 22 October 2026 ↗
Two documents with different jobs
Fictional example: Inês pays for an appointment in London. She keeps the £200 invoice and card evidence without editing the invoice currency. Her request identifies the service date and flags the bank conversion separately. She avoids supplying only a bank statement, which does not establish the service or the patient.
Prepare a traceable calculation
Before estimating a reimbursement, check the territorial scope, eligibility of the service and conversion rule. Ask whether translation or an itemised breakdown is required. Retain the original amount even if the form requests euros. Read RMACHADO GROUP’s health insurance guide when comparing arrangements that may involve treatment outside Portugal.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Keep the original invoice.
- Identify currency and date.
- Separate bank charges.
- Check the contractual rule.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
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Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.