Allianz Health Insurance in Portugal

Allianz health insurance offers different levels of coverage, including medical consultations, diagnostic tests, hospitalization, surgeries, maternity care, dental treatments, and even international coverage, depending on the selected plan.

If you would like to find out more about Allianz, please contact us via email: info@c1broker.pt or using the form.

Allianz offers three main health insurance options:

• Mais – Includes hospitalization and outpatient care with a defined coverage limit.
• Extra – A more comprehensive plan, including maternity care and dental assistance.
• Total – The most complete option, offering oncology protection, medication coverage, and extended benefits.

If you would like to find out more about Allianz, please contact us via email: info@c1broker.pt or using the form.

Yes, you can either use the Allianz medical network, which offers pre-agreed rates, or choose an out-of-network provider and request reimbursement for medical expenses, depending on your plan. If you would like to find out more about Allianz, please contact us via email: info@c1broker.pt or using the form.

If you use a healthcare provider outside the Allianz network, you can request a reimbursement for medical expenses through the online customer portal or via email, by submitting the invoice and proof of payment. If you would like to find out more about Allianz, please contact us via email: info@c1broker.pt or using the form.

Allianz Saúde insurance offers main cover in Portugal, covering hospitalisation, consultations and examinations within the associated medical network.

It also has reimbursement cover outside the Allianz medical network in both Portugal and Spain. So if you have a medical emergency or want treatment at a clinic or hospital in Spain, you can opt for the reimbursement scheme, which means you can go to any healthcare provider in that country and then request reimbursement of the costs, in accordance with the limits and conditions of the policy.

For those who need medical assistance outside Portugal and Spain, Allianz offers optional international cover, which can be added to the plan. This cover guarantees medical assistance while travelling abroad, providing greater peace of mind for frequent travellers.

To summarise:

• Portugal: Full cover within the Allianz Saúde network.
• Spain: Reimbursement cover (outside the network).
• Outside Portugal and Spain: Possibility of including optional international cover for medical assistance abroad.

If you need more details on how reimbursement works or the inclusion of international cover, you can count on C1 Broker to answer all your questions and help you find the best solution for your health insurance.

Allianz Saúde 55 Mais is an exclusive discount plan for people aged 55 and over, offering special advantages in health and well-being services. With this insurance, you can get discounts on consultations, exams and other medical services, making access to healthcare more affordable and convenient. Find out more about the Allianz 55+ Health Plan.

If you would like to find out more about Allianz, please contact us via email: info@c1broker.pt or using the form.

The waiting periods in Allianz Saúde are the periods of time, fixed for each cover, that elapse between the start of the Contract or the date of joining an Insured Person, if later, and the date on which certain insurance covers can be activated for that Insured Person.

In other words, during the grace period, even if you have paid the insurance premium, you will not be able to use certain covers to obtain reimbursements from Allianz. The health expenses covered by each of the coverages are only covered by the policy after the end of the respective grace period defined in the Particular Conditions.

Waiting periods exist to prevent people from taking out health insurance only when they expect to need specific and expensive treatment, and using the insurance immediately after signing up.

Most Important Waiting Periods and Practical Examples:

• Hospitalisation and Surgery (general):Generally, there is a 90-day waiting period for most hospitalisation and surgery situations.
  • Practical example: If you join Allianz Saúde and need to be hospitalised for non-urgent surgery 60 days after joining, the hospitalisation and surgery costs related to this situation will not be covered by Allianz due to the 90-day waiting period.
• Childbirth, caesarean section or involuntary termination of pregnancy (if childbirth cover is taken out): The waiting period for events related to childbirth is 365 days.
  • Practical example: If you take out childbirth cover with Allianz Saúde Mais, you will have to wait 365 days from the date of taking out cover for the costs of your normal childbirth or caesarean section to be covered.
• Specific Hospitalisation and Surgery Treatments (with 365-day waiting period): Certain specific treatments within the hospitalisation and surgery cover have a longer grace period of 365 days. These include, for example:
  • Treatment of arterial or venous pathology of the lower limbs
  • Medical, surgical or other treatment in the diagnosis of herniated discs, abdominal wall or others
  • Medical, surgical or lithotripsy treatment of kidney, urinary tract, gallbladder and/or biliary tract stones
  • Surgical or other invasive treatment of benign prostate pathology
  • Cataract surgery
  • Practical example: If you need surgery to treat varicose veins (venous pathology of the lower limbs) 6 months after joining Allianz Saúde, this surgery will only be reimbursed if the 365-day waiting period has elapsed.
• Oncology (>18 years): Oncology cover for people over 18 has a grace period of 180 days.
  • Practical example: If you are diagnosed with an oncological disease 100 days after joining Allianz Saúde Mais, expenses related to the diagnosis and treatment of this disease will only be covered after the 180-day waiting period has elapsed.
• Prostheses and Orthoses (Non Ocular and Ocular): These covers generally have a grace period of 180 days.
  • Practical example: If you need to buy a hearing aid 150 days after joining Allianz Saúde Mais, the co-payment for this expense will only be available after the 180-day grace period.
• Complete Outpatient Care, Medicines and Stomatology: These coverages usually have a 90-day grace period.
  • Practical example: If you need speciality consultations or physiotherapy 70 days after joining Allianz Saúde Mais, these expenses will not be covered until the 90-day grace period is over.

It’s important to note that in the event of an accident that requires an emergency hospital visit, the waiting periods for the affected cover do not apply.

It is also important to know that, during the grace period, you can always access the Allianz network at agreed prices for any of the covers you have taken out, although without Allianz reimbursement.

For precise information on the specific grace periods for your Allianz Health plan, please refer to the ‘Cover’ table in the Specific Conditions of your policy. Conditions may vary depending on the Policyholder’s subscription options. When choosing health insurance, it is essential to understand the waiting periods to avoid surprises and ensure that you have access to the necessary cover at the right time. However, it’s not always easy to interpret all the clauses and choose the plan that best suits your needs, lifestyle and budget.

This is where C1 Broker can help you. As health insurance specialists, we have in-depth knowledge of the products available on the market, including cover, waiting periods, reimbursement systems and insurers’ internal policies. Our team constantly monitors updates in the sector to provide you with the best solutions and answer any questions you may have.

At C1 Broker, our commitment is to ensure that you find the ideal health insurance for you and your family, with transparency and full support when making your choice. Don’t make decisions alone! Contact us and find out how we can help you take out the health insurance that best suits your needs.