Allianz Total - Health Insurance in Portugal for Expats
Allianz Total is Allianz’s most comprehensive health insurance option, designed for those who won’t compromise on full protection and want the very best access to private medical care in Portugal and abroad.
What is Allianz Total Option?
Allianz Total Saúde is Allianz’s top-tier health insurance plan, offering full coverage for consultations, exams, surgeries, hospitalisation, cancer treatments, and much more — with annual limits of up to €1,000,000.
This insurance was designed for those who want fast access to the best hospitals and doctors, with total freedom and peace of mind. Optional cover is also available, including dental care, maternity, and international coverage for serious illnesses, ensuring truly global protection.
With Allianz Total Saúde, you can take care of yourself and your family with complete confidence, knowing you have the best health insurance available in Portugal.
Advantages of Allianz Total with C1 Broker
When you choose Allianz Total option through C1 Broker, you’re not only securing the best health insurance, but also receiving full support at every stage.
Our team of specialists will help you analyse your profile, select the most suitable health plan, and handle the entire sign-up process. But our service doesn’t stop there — we’ll continue to support you with reimbursements, authorisations, claims management, and whenever you need assistance.
At C1 Broker, we value personal service, transparency, and client care, offering a complete and tailored experience.
Allianz Total Health Insurance Covers
Allianz Total Saúde offers a full range of coverages, with maximum benefit limits to ensure complete protection:
Coverage | Coverage Limits | Network / Co-payments |
Hospitalisation & Surgery | €500,000 | 10% (min. €250, max. €500) |
Chemotherapy / Radiotherapy | €10,000 | €250 per act |
Natural Birth & IIG | €10,000 | €500 per act |
Caesarean Section | €1,000,000 | 0% |
Non-Ocular Prostheses & Orthoses | €2,500 | 20% |
Complete Outpatient Care | €10,000 | – |
Consultations | €50 per act | €19 per act |
Urgent Consultations | €50 per act | €50 per act |
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. €10 per act |
Other Diagnostic Exams | – | 20% |
Physiotherapy | €500 | 30% |
Malignant Skin Lesions | €200 | 10% |
Benign Skin Lesions | €80 | 20% |
Minor Treatments / Surgery | – | 15% |
Ocular Prostheses & Orthoses | €500 | – |
Frames | €500 | 20% |
Prescription Lenses | €500 | 20% |
Contact Lenses | €500 | 20% |
Medication | €1,000 | 0% |
Dental Care | €1,000 | 30% |
Consultations & Treatments (Dental) | €1,000 | 30% |
Dental Prostheses | €1,000 | 30% |
Home Doctor Visit in Portugal | – | €19 |
Travel Assistance | Service | |
International Medical Coverage for Serious Illness | €1,000,000 | 0% |
Daily Hospitalisation Allowance | €50/day | From day 3 |
Daily Travel Allowance | €50/day | 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 Total 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 Total Health Insurance
Frequently Asked Questions about the Allianz Total Option.
Allianz Total option is the most comprehensive health insurance offered by Allianz Portugal, providing full coverage for consultations, exams, hospitalisation, surgeries, dental care, medication, maternity, prosthetics, transplants, cancer treatments, and much more — ensuring peace of mind with access to high-quality private healthcare.
If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
- Specialist and general medical consultations
- Diagnostic exams and complementary tests
- Hospitalisation with no limit or high annual limits
- Complex surgeries and cancer treatments
- Maternity and pregnancy care
- Dental treatments (stomatology)
- Prostheses and orthoses
- Prescription medication
- Organ transplants
- International coverage (optional in some plans)
If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
Yes, Allianz Total Saúde includes coverage for childbirth and pregnancy care, after the applicable waiting period has been completed (usually 365 days).
It’s an ideal option for families planning to have children. If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
Yes, the insurance provides full coverage for serious illnesses and cancer treatments, with very high benefit limits to ensure access to the best possible care. If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
The price of Allianz Total Saúde depends on your age and the cover options selected. Below are some approximate annual premiums:
- Person aged 30: from €850/year
- Person aged 40: from €1,200/year
- Person aged 50: from €1,600/year
⚠️ These values are indicative and may vary depending on additional cover options such as dental care, maternity, or international coverage.
To receive a personalised quote, we recommend requesting a free simulation with C1 Broker. If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
The best way to find out the exact cost is to request a personalised quote.
C1 Broker will analyse your profile and needs, and present you with the most suitable proposal — with no obligation. If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
Yes, Allianz Total option includes comprehensive dental coverage (stomatology), which may include:
- Dental consultations
- Dental treatments
- Teeth cleaning and scaling
- Oral surgeries
- Dental prostheses (depending on the plan chosen)
If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
Yes, Allianz Total Saúde covers prescription medication, according to the selected plan. This allows for partial or full reimbursement, up to the limits defined in the policy. If you’d like to know more about the Allianz Total option, feel free to contact us at info@c1broker.pt or via our form.
Yes, it’s included the option of international coverage for the treatment of serious illnesses abroad. If you’d like to know more about the Allianz Total 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
.
📤 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.
