Seguro Saúde - Health Insurance
Your wellbeing starts today.
- Immediate cover with no medical exams required at sign-up
- Access to a network of complementary and non‑conventional healthcare providers
- 24/7 medical assistance and online consultations
Health Insurance
Complete protection for your health and your family.
Get a quote and buy your health insurance today
Existing customer
Log in to the App or novobanco Online to get your quote and take out your health insurance.
Health Insurance terms
Policy term
1 year, automatically renewable for equal periods, with no maximum duration, when taken out up to the age of 54.
Payment method
Direct debit.
Monthly, quarterly, semi-annual or annual payments.
Age limits
Maximum age to take out the policy: up to 60 years.
About Health Insurance
- Freedom to choose your doctor or hospital
Inside or outside the provider network. - 24/7 home medical assistance
Doctor visit for €17. Includes medication delivery, ambulance services and more. - Extensive medical provider network
Network with near‑full co-payments in most services. - Online doctor service
Fast and convenient medical support through a digital service. - Wellbeing network
Access to complementary and non‑conventional healthcare providers such as homeopathy, osteopathy and acupuncture. - Second medical opinion
Available when there are doubts regarding a diagnosis of a serious illness. - Customer portal
Multiple features including a digital insurance card and online expense submission with reimbursements processed within 72 business hours.
- Oncology cover
Available as an option in plans M and L shown in the simulator.
- Daily hospital allowance
International cover for serious illness
Cover up to €1,000,000 for serious conditions such as cancer or bypass surgery.
- Family discount
An additional discount when the policy includes the entire household. Not cumulative with other discounts.
- Tax deductible insurance premiums
Possibility to deduct insurance premiums for IRS purposes, in accordance with current tax legislation.
Policy term
- 1 year, automatically renewable for equal periods, with no maximum duration if taken out up to the age of 54.
Payment method
- Direct debit.
Payment frequency
- Monthly. Quarterly. Semi‑annual. Annual.
Age limit
- Maximum age to take out the policy: 60 years.
- If you have any questions about how to use your Seguro Saúde - Health Insurance, contact the Customer Assistance Helpline: 707 78 20 70
Documents
.jpg/_jcr_content/renditions/cq5dam.thumbnail.48.48.png)
Renewal notices
Learn how your insurance price is calculated and which variables are taken into account. Clear. Simple. Transparent.
Frequently asked questions
You can take out health insurance online by completing the contact request form. You will then be contacted within a maximum of 48 hours.
Alternatively, you can do it at any novobanco branch.
Health insurance gives you access to 24/7 home medical assistance, an online doctor service, the customer portal and full freedom to choose your doctor or hospital, among other benefits.
Get a quote and review the benefits of each plan to find the option that best suits your needs.
To get a more accurate estimate, run a quote including your age, professional group and number of people covered. You will see the monthly or annual premium, as well as the available plans and included cover.
Yes. You can include your whole household in your health insurance policy and benefit from an additional family discount. This discount cannot be combined with other promotions.
The maximum age to take out health insurance is 60 years.
If the policy is taken out after the age of 55, cover is available up to the age of 70.
If taken out up to the age of 54, there is no maximum age limit for staying insured.
You can download the health insurance product sheet to see the full list of cover and benefits included in each plan.
You can download the general and special terms and conditions of the health insurance in the documents fold above.
To make changes to your health insurance policy, please contact your Branch or call the insurance helpline on 707 247 365.
All necessary updates to your insurance policy will be handled through these channels.
You can request a copy of your policy documents by contacting your Branch or the insurance helpline on 707 247 365.
Your health insurance policy can be cancelled by either party at any time, provided there is just cause, through registered mail.
It may also be cancelled with at least 30 days’ notice before the renewal date.
Alternatively, you can contact your Branch or call the customer assistance helpline on 707 78 20 70.
Health Insurance
Better health, fewer worries
LEGAL INFORMATION
Product marketed by NOVOBANCO, S.A., with registered office at novobanco Campus, Av. Dr. Mário Soares, Taguspark, Building 1, 2740‑119 Porto Salvo, registered with the Insurance and Pension Funds Supervisory Authority, under the category of Insurance Agent with no. 419506141, since 21.01.2019. Authorised to market Life and Non‑Life insurance products from insurers GamaLife, Mudum – Companhia de Seguros, S.A., Generali Seguros S.A., Europ Assistance, GNB Fundos de Pensões and Coface. Without powers of representation of the insurers for the conclusion of insurance contracts; without powers to receive insurance premiums and does not assume the coverage of risks. All information regarding the Insurance Agent can be consulted at www.asf.com.pt.
Contracts concluded by Mudum – Companhia de Seguros, S.A., Av. Miguel Bombarda 4 – Floor 9, 1049‑079 Lisbon – PO Box 24047 – CTT Campo de Ourique Post Office (Lisbon) 1251‑977 Lisbon, Portugal – Share Capital €15,000,000 – No. 503 718 092, corporate entity and registration at the Lisbon Commercial Registry Office.
This message does not dispense with consultation of the pre‑contractual and contractual information legally required.
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal