Allianz Mais - Health insurance Portugal expats
Allianz Mais is the ideal health insurance option for those who value the peace of mind that comes with fast, easy access to top-quality private healthcare in Portugal.
What Is Allianz Mais Health Insurance?
Allianz Mais Saúde is a complete and flexible health insurance plan, ideal for those seeking quick and direct access to the best private hospitals, clinics, and doctors in Portugal. With this insurance, there is no need to first visit a GP or request a referral in order to book appointments with specialists. In other words, if you wish to go directly to a cardiologist, dermatologist, or another medical specialist, you can do so without any bureaucracy.
C1 Broker is the right partner to help you choose the Allianz Mais Saúde plan that best fits your profile and needs. As specialists in health insurance for individuals, families, and foreign residents in Portugal, we guarantee personalised support before, during, and after taking out your policy — assisting with everything from choosing the right coverage to helping with reimbursement requests. With C1 Broker, you can be confident that you’re making the right choice with the best professional support.
Advantages of Allianz Mais Health with C1 Broker
By choosing Allianz Mais through C1 Broker, you benefit from a personalised service and continuous support:
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Tailored health insurance selection based on your needs, lifestyle, and budget – through a free consultation with one of our health insurance specialists. You’ll have the peace of mind of making the right choice.
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Dedicated support in Portuguese, English, and German – ideal for foreign residents living in Portugal.
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Wide network of trusted healthcare providers, with national coverage across Portugal.
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Direct access to specialists without needing a referral from a GP.
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Option to include additional cover such as dental care, preventive medicine, childbirth and maternity, and international travel coverage.
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Support with the reimbursement process and help with any questions or claims.
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In the event of coverage issues or refusal of reimbursement by the insurer, C1 Broker will act as your broker, defending your interests to the very end.
Allianz Mais Health Insurance Covers
Allianz Mais Health includes a comprehensive set of essential coverages for your well-being:
Coverage | Coverage Limits | Network / Co-payments |
Hospitalisation & Surgery | €75,000 | 10% (min. €250, max. €500) |
Chemotherapy / Radiotherapy | €75,000 | 15% |
Natural Birth & IIG | In-network access | 100% |
Caesarean Section | – | – |
Non-Ocular Prostheses & Orthoses | In-network access | 100% |
Complete Outpatient Care | €2,500 | – |
Consultations | €50 per appointment | €19 per appointment |
Urgent Care Consultations | €50 per appointment | €50 per appointment |
CT Scan (TAC) | – | €30 per act |
MRI | – | €70 per act |
Ultrasound | – | €15 per act |
Nuclear Medicine | – | €60 per act |
Pathological Anatomy | – | €10 per act |
Gastrointestinal Endoscopy with Anaesthesia | – | 25% |
Lab Tests | – | 10%, min. €2 per act |
X-rays | – | 10%, min. €2 per act |
Other Diagnostic Tests | – | 20% |
Physiotherapy | €350 | 30% |
Malignant Skin Lesions | €200 | 10% |
Benign Skin Lesions | €80 | 20% |
Minor Surgery / Treatments | – | 15% |
Ocular Prostheses & Orthoses | In-network access | 100% |
Home Doctor Visit in Portugal | Service | €19 per visit |
Travel Assistance | Service | |
International Medical Coverage for Serious Illness | €1,000,000 | – |
Daily Hospitalisation Allowance | €50 per day | From day 3 |
Daily Travel Allowance | Service | From day 3 |
Second Medical Opinion | Service | |
Geographical Coverage
Portugal
Allianz Health Insurance Geographical Coverage
- Allianz medical network in Portugal
- Reimbursement outside the Agreed Network according to contracted limits
Spain
Allianz Health Insurance Geographical Coverage
- Reimbursement according to contracted limits
Allianz Mais VS Other Allianz Health Insurances
Mais
Ensures hospitalization coverage and the most common medical expenses:
- Hospitalization coverage (including Chemotherapy/Radiotherapy): €75,000
- Outpatient Care: €2,500
- Reimbursement: Portugal and Spain
- Maximum hiring age: 65
Extra
A comprehensive option with higher coverage limits.
- Hospitalization coverage (including Chemotherapy/Radiotherapy): €150,000
- Outpatient Care: €2,500
- Maternity Coverage
- Dental Coverage
- Reimbursement: Portugal and Spain
- Maximum hiring age: 65
Total
- Hospitalization coverage: €500,000
- Oncology coverage (for ages 18+): €1,000,000
- Medicaments
- Dental Coverage
- Reimbursement: Portugal and Spain
- Maximum hiring age: 60
Allianz Health Services
Allianz Health Insurance offers a wide range of medical services available 24 hours a day, 7 days a week, ensuring that clients always have the support they need — whenever they need it.
Main Services Included:
Medical consultations by phone or at home, available nationwide.
Free online medical consultations, including:
- General medical advice from a team of GPs.
- Specialist consultations in Paediatrics, Psychology, Gynaecology, Dermatology, Allergology, and Orthopaedics.
- Second Medical Opinion from renowned specialists.
- Healthy Habits Assessment, including cardiovascular risk evaluation and lifestyle/diet recommendations.
- Travel Consultations, with medical advice before going abroad.
- Nutritional guidance, with answers to questions about diet and specific nutrition plans.
Wellness Network, offering discounts and special offers on health, beauty, and wellness services for the whole family.
Access to Healthcare Network:
Allianz provides access to one of the best private healthcare networks in Portugal, including:
- CUF, Champalimaud Foundation, Hospital da Luz, Lusíadas Saúde, and many other top-quality partners.
📲 MyAllianz App Features:
With the MyAllianz app, clients can:
- Use the Health Expense Simulator to estimate medical costs.
- Locate hospitals, clinics, and medical services within the Allianz network.
- Access all insurance information and important documents in one place.
➡️ 24h/7 Support Line: +351 213 108 321
➡️ Download THE App MyAllianz
Useful documents - C1 Broker Portugal
At C1 Broker, we value transparency and trust in every step of the process. That’s why we provide below all the necessary documentation related to Allianz Health Insurance, so you can review in detail the coverages, general terms and conditions, waiting periods, co-payments, and other important information before taking out your policy.
Our goal is to ensure that you make the right choice — with complete clarity and confidence. Feel free to view and download the documents you need.
Complementary documentation
Allianz Health Network
Access to a medical network with state-of-the-art equipment and technology for accurate diagnosis and appropriate monitoring throughout the cancer treatment – CUF, Champalimaud Foundation, Hospital da Luz and Lusíadas Saúde, among others.
FAQs about Allianz Mais Health Insurance
Frequently Asked Questions about the Allianz Mais Option.
Yes, there are waiting periods for certain types of cover, such as childbirth (usually 365 days) and pre-existing conditions. For consultations and basic diagnostic tests, the waiting period is usually very short or non-existent. If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
The annual cost of Allianz Mais Saúde varies depending on the client’s age and personal profile. Here are some indicative examples:
- Person aged 30 (male or female): from €420/year
- Person aged 40 (male or female): from €540/year
- Person aged 50 (male or female): from €780/year
These prices refer to individual plans with basic coverage and may vary depending on the options and additional modules selected.
If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
The best way to find out the exact price is to request a personalised quote.
At C1 Broker, we analyse your profile and specific needs to present the most suitable proposal — with no obligation. If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
Yes, Allianz Mais Saúde allows you to add your spouse and children, with more advantageous pricing available for family plans. If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
It depends on the initial assessment and medical evaluation. Some conditions may be excluded or subject to waiting periods. If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
Allianz Health Insurance allows you to reclaim medical expenses incurred outside the Allianz network — quickly and easily, without the need to send physical paperwork.
📝 Steps to Request Reimbursement:
- Use your insurance outside the Allianz network (with any doctor or clinic of your choice).
- Keep the invoice/receipt with your NIF (Portuguese tax number) and details of the medical service.
- Log into your customer area (eCliente) or the MyAllianz App, and submit your expense online.
✅ Advantages of the Allianz Reimbursement Process:
- No need to send physical documents
- 100% online submission – anytime, anywhere
- Reimbursement within 24 hours in most cases
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📤 How to Submit:
Via MyAllianz App or eCliente Portal: [Access eCliente]
By Email: Send scanned documents to reembolso.seguro.saude@allianz.pt, including:
- Invoice/Receipt
- Policy Number
- Tax Number (NIF)
➡️ Note: No need to send original documents by post.
🧾 Registering for the Customer Area:
If you’re not yet registered, you can create an account here to manage your insurance independently and easily.
Allianz Mais Saúde can be taken out by residents in Portugal, including foreign citizens and expats with legal residence in the country.
It is ideal for individuals, families, self-employed professionals, and companies that wish to offer health insurance plans to their employees.
If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
The main coverages include:
- Specialist consultations within the network
- Hospitalisation
- Surgeries
- Diagnostic tests and complementary exams
- Access to a high-quality private medical network
In addition, you can include optional coverages such as dental care, prosthetics, and medication, depending on the plan chosen. If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
With Allianz Mais Saúde, policyholders have access to a wide network of private healthcare providers across the country.
If you choose a provider outside the network, you may still be reimbursed, depending on the limits of your policy and the specific plan selected (reimbursement option).
If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
By choosing C1 Broker, you benefit from:
- Free and independent consultancy
- Advice on the best plan for your needs
- Support with policy management and claims
- Multilingual service (Portuguese, English, German)
- Experience in assisting both Portuguese residents and foreign nationals living in Portugal
If you’d like to know more about the Allianz Mais option, feel free to contact us at info@c1broker.pt or via our form.
