Renew
Removing someone from family health cover: which price and date need confirmation?
Compare the change across the whole policy. Confirm its effective date and the new total, including any family-based pricing conditions.
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Health
The answers you are looking for about health. Choose an editorial series and explore one question at a time.
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51 articles
The office at 6 pm
Employer health cover: where should you send an appointment invoice?
An employer-funded benefit may have a personal expense channel. Check the reimbursement route before sending clinical documents around the workplace.
Read articleLife in the policy
Medical second opinion: another appointment or a different service?
Check the process, documents and expected output of a second-opinion benefit. An expert opinion is not authorisation for every recommended treatment.
Read articleConversations at home
Hearing aid: do purchase, replacement and repair use the same benefit?
Prepare a hearing-aid estimate separating equipment, fitting and maintenance. The insurance provision needs to address the particular expense.
Read articleLife doesn’t warn you
A child is admitted to hospital: is a companion's stay included?
Check age conditions, bed, meals and companion expenses separately from the hospital costs of the child.
Read articleInsurance made simple
Partial reimbursement: do the percentage and per-treatment limit calculate different things?
A fictional example separates the reimbursement rate, eligible expense and per-treatment cap without predicting the insurance payment.
Read articleRenew
Dental included: expense insurance or access to agreed prices?
At health insurance renewal, establish what the dental benefit means before comparing it with another quotation.
Read articleLife in the policy
Physiotherapy: does one authorisation mean unlimited sessions?
Check the approved sessions, treatment and period before arranging physiotherapy. An authorisation does not mean unlimited sessions.
Read articleConversations at home
Glasses and lenses: does the limit apply per person, purchase or year?
When comparing optical benefits, distinguish the item, reimbursement limit and period to which the stated amount applies.
Read articleLife doesn’t warn you
Can a medical emergency wait for the insurance helpline?
Separate urgent medical help from insurance administration. In an emergency, obtaining appropriate assistance comes first.
Read articleInsurance made simple
Day surgery or outpatient care: which limit pays the expense?
Check how a same-day procedure is classified, including the benefit limit, professional fees and health insurer authorisation in Portugal.
Read articleRenew
Annual deductible: does it apply per person or to the family together?
An annual deductible needs a unit of application. Compare the amount, the person or group it applies to and its accumulation period.
Read articleThe office at 6 pm
Can an invoice issued to the employer support an individual health claim?
Separate who paid, who received treatment and who is named on the invoice. Check documentation before submitting a health reimbursement request.
Read articleLife in the policy
Invoice or invoice-receipt: how do you evidence payment?
Check whether a document shows only the invoiced amount or also payment. Prepare a legible reimbursement request without modifying the original records.
Read articleConversations at home
Childbirth and the baby’s expenses: are they one insurance benefit?
Request an itemised distinction between the mother’s and newborn’s expenses. Maternity cover alone does not explain every charge concerning the baby.
Read articleLife doesn’t warn you
Missed an appointment: is a no-show charge an insured medical expense?
Before claiming a no-show charge, separate the provider’s cancellation conditions from insurance for a consultation actually delivered.
Read articleInsurance made simple
Medical bill in foreign currency: which amount goes into the claim?
Keep the original bill, payment evidence and exchange-rate rule separate when preparing an overseas health expense claim in Portugal.
Read articleRenew
Health renewal: which period does the available limit belong to?
Separate insured limits, recorded usage and reference periods before renewing Portuguese health insurance. Prepare clear questions about balances.
Read articleLife in the policy
Changed the date or hospital: does the authorisation still fit?
When a health appointment changes, compare the booking with its preauthorisation and ask whether the insurer needs an updated request.
Read articleConversations at home
Your baby has arrived: are they enrolled in the health policy?
Prepare newborn enrolment in a Portuguese health policy: the request, applicable requirements, effective date and written confirmation.
Read articleConversations at home
Family health insurance: is the premium the whole bill?
Compare family health insurance in Portugal using premiums, copayments, limits and clearly labelled assumptions about use.
Read articleInsurance made simple
Is a health card insurance or access to discounts?
Identify health insurance and discount plans in Portugal before comparing prices: the provider, documents, personal charges and how the product works.
Read articleInsurance made simple
The clinic is in the network: what about your appointment?
Check your health insurance network in Portugal: provider, specialty, service, charges and any authorisation before booking an appointment.
Read articleLife doesn’t warn you
Outside-network clinic: is keeping the invoice enough for reimbursement?
Before planned treatment in Portugal, ask separate questions about the network, preauthorisation and reimbursement rules.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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