MÉDIS HEALTH INSURANCE

Médis gives you three reasons to celebrate:

1. Receive a €50 Médis Clinic voucher
2. The offer of the 1st month in the 1st year
3. And also €7.50 in virtual wallet.

Campaign valid from 01/10/2025 to 30/11/2025

Simulate

Need to feel safe? We got you covered

Online Doctor

General and Family Medicine consultations, 24h/7. Pediatrics available on weekdays, from 4 p.m. to 9 p.m. Also available at special rates: Psychology (daily, 5 p.m.–8 p.m.), Psychiatry (weekdays, 6 p.m.–8 p.m.), and Travel Medicine (daily, 9 a.m.–6 p.m.). Consultations by call or video call.

Enhanced Oncologic Protection

Access to a higher capital limit for appointments and treatments, coverage for prostheses e orthotics, assistance services and a personalized prevention plan. Available with options 2 and 3.

Medicine home delivery

Order what you need from a pharmacy that belongs to a list of Médis pharmacies and don't worry about the rest.

Coverages

Coverages tailored to your needs

All the options of the Médis Insurance allow access to the wide network of doctors all over national territory.

Medis Insurance Coverages
COVERAGES	OPTION 1	OPTION 2	AB Suggestion OPTION 3
Base Hospitalization	15.000€	50.000€	1.000.000€
Oncologic Reinforced Protection Hospitalization		Additional 50.000€	Unlimited
Birth Hospitalization		Included in hospitalization	Included in hospitalization
2^nd Opinion ⁽¹⁾	Included	Included	Included
Base Ambulatory Assistance	200€ (Optional) without deductible 1000€ (Optional) deductible: 50€ per insured person a year	2.500€	5.000€
Oncologic Reinforced Protection Ambulatory Assistance		Additional 2.500€	Additional 5.000€
Sub-limit Physiotherapy Ambulatory Assistance	500€ (if you choose 1000€ for the Base Option - Ambulatory Assistance)	500€	500€
Sub-limit for psychiatry appointments Ambulatory Assistance	6 individual sessions or 12 group sessions	6 individual sessions or 12 group sessions	6 individual sessions or 12 group sessions
Stomatology		250€ (Optional)	1.000€ (Optional)
Bras for breast implants Oncology - Prostheses e Orthotics		40€ (1 per annuity)
External bilateral breast implant		110€ (1 per annuity)
External unilateral breast implant Oncology - Prostheses e Orthotics		95€ (1 per annuity)
Wigs Oncology - Prostheses e Orthotics		500€ (1 per life)
Support products for ostomy Oncology - Prostheses e Orthotics		500€ (1 per annuity)
Patient transport Oncology - Assistance Services		2 transportations per annuity
Psychological support Oncology - Assistance Services		5 consultas per annuity
Comfort services⁽²⁾ Oncology - Assistance Services		1.000€ per annuity
Home nursing Oncology - Assistance Services		10 uses per annuity
University Clinic of Navarra International			Unlimited
Barcelona - Berlin - EUA International			75.000€
Remaining Clinics International			Deductible: 1.500€ per family household a year just for the remaining clinics
Severe diseases ⁽³⁾			1.000.000€

The costs of the coverages are per insured person.

(1) Access through the Médis Line. The University Clinic of Navarra provides this service.

(2) Cleaning and personal hygiene services, babysitting, and physiotherapy services.

(3) The benefits under this coverage are only valid in the network of providers agreed outside the national territory. Under this coverage, pathologies included in the contractual conditions are considered Serious Illnesses.

(4) Médis Customers with Options 1 or 2 (options without International Coverage) will receive a 15% discount on Consultations and Complementary Diagnostic Tools at the University Clinic of Navarra.

Contributions

Within Médis Network: up to 100% for options 1, 2, and 3.

Outside Médis Network: up to 35%.

Stomatology: 50% (Options 2 and 3).

Co-payments

Values vary by medical act and option:

Consultations: €19 to €21
Hospitalization: €250 to €600
Online Doctor: Free
Stomatology: €10 to €15 (except option 1)

Vintage and Vintage Plus Options

Vintage: Vintage: Hospitalization up to €2,500, outpatient €150.

Vintage Plus: Hospitalization up to €5,000, includes serious illnesses.

Waiting period

60 days: stomatology, oncology
90 days: hospitalization
180 days: serious illnesses, some surgeries
365 days: childbirth, other surgeries

Age limit for subscription and permanence

Options 1, 2, 3: subscription up to 70 years. There is no age limit for permanence in options 1, 2, and 3. However, for options 1 and 2, if the subscription is made starting at age 55, an annual deductible of €750 will be applied to the hospitalization capital from the end of the annual period in which the insured person turns 70. If subscription is made up to age 54 (inclusive), this deductible will not apply.
Vintage and Vintage Plus: 55 to 75 years. No limit for permanence.

Want to know how much you're going to pay?

You'll have a discount over your policy, from 2,5% to 15%, according to the number of people you include in the insurance.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

How much does an appointment with Médis cost?

General and family practice appointments and specialty ones, always cost €19, as long as you have the ambulatory assistance coverage. If you don't have the coverage included in your insurance, you can take advantage of the agreed prices on the Médis Network, lower than the marke average.

The visit of a house doctor has a cost of €25 and the admission to the emergency costs €40. These amounts may vary according to the coverages set in the insurance.

Prices may vary from test to test according to the conditions of your insurance. For example:

Clinical tests: €1,5 (per test).
X-Ray: €7,5.
Sonogram: €12,5.
MRI: €65./li>

If you're already a Médis client, you can consult these prices in the Client area.

For Vintage options you pay 50% of the medical act's cost (appointment or exam) agreed with the Médis Network provider.

With the Médis Insurance can I go abroad to treat a health problem?

Yes. If you subscribe option 3, you will have access to the Médis International Network, that relies on prestiged Internacional Hospitals: the University Clinic of Navarra(1), the Barcelona Medical Center in Spain, Johns Hopkins in the USA and the Deutsches Herzzentrum Berlin in Germany.

With option 3, you will also have access to the coverage of serious illnesses with a capital of 1 million euros, in which the best foreign medical center will be selected, according to your condition.

Médis clients with options 1 or 2 (options without internacional coverage), will have access to a 15€ discount on appointments and on the additional resources of diagnostic at the University Clinic of Navarra.

(1) Certification by Joint Comission International.

How can I book an appointment with Médis?

With the Médis Guide you can search for specialty, hospital, clinic or practice and call directly to book it. You must mention you are a Médis Client when you are booking it.

To use the international coverages you will need a pre-authorization from Médis to activate the Insurance. To request this pre-authorization or to know the adequate institution for you, you must send an email to medis.coberturasinternacionais@medis.pt or call the Médis Line +351 218 458 888.

After reaching the limits do I still have any benefits with Médis?

Yes, you will pay the prices agreed with the Médis Network providers. Simply identify yourself as a Client,by presenting your card.

What if I go to a doctor outside the Médis Network?

In this situation you have to pay for the appointment and ask Médis for a reimbursement, through one of the following ways:

Website or App

On your Client area select the menu Expenses and New expense, fill out the fields and attach the necessary documents. If you're using the App, simply take a picture of the receipt.

Mail

On your Client area select the menu Expenses and New expense. Send the original receipt with the filled ou expense document to:

Médis - Companhia Portuguesa de Seguros de Saúde, SA
Av. Dr. Mário Soares, Edifício 10 - Tagus Park
2744-002 Porto Salvo

Note: options Vintage and Vintage Plus work exclusively on the Médis providers network, where you'll have access to over 13.000 doctors and 8.000 hospitals, clinics and practices.

What consultations are available on the Online Doctor service?

The Free Online Doctor service allows you to have General and Family Medicine consultations at no cost, 24 hours a day, every day, with or without an appointment. It also offers Pediatrics consultations, on weekdays between 4 p.m. and 9 p.m.

Additionally, you can schedule online consultations in other specialties at discounted rates: Psychology (every day from 5 p.m. to 8 p.m.), Psychiatry (weekdays from 6 p.m. to 8 p.m.) and Travel Medicine consultations (every day from 9 a.m. to 6 p.m.). These consultations can be held via phone call or video call with a specialist doctor. You can also send medical exams, receive prescriptions, and get medical certificates.

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

Campaign valid from 01/10 to 30/11/2025 for App subscriptions.

Virtual Wallet:

1. The promotional code allows for a €7.50 top-up in the Médis Virtual Wallet, available through www.saude360.medis.pt/medis-carteira-virtual/, upon registration.
2. Valid until January 31, 2026, therefore the code must be entered within this period, otherwise the rights granted by the promotional code will be lost. The balance will remain available for 18 months.
3. The code must be entered in the Earn Balance → Activate offers section.
4. The balance will only become available after activating your Virtual Wallet and linking a bank card, via MBWAY or at an ATM.
5. The Médis Virtual Wallet and Médis Marketplace are the responsibility of Médis – Serviços de Saúde, S.A.
6. Please refer to the Médis Marketplace Terms and Conditions at https://saude360.medis.pt/informacao-legal

How can I use my voucher at the Médis Clinics network?

This voucher serves as a means of payment within the Médis Clinics network and can be used for any medical consultation/treatment carried out at the Médis Clinics, including dental medicine.
This voucher can be applied to the client’s share of the cost under their Médis health insurance, upon presentation of a valid Médis card. Clients who do not meet these requirements may use the voucher applied to private price rates.
The total amount must be used in a single consultation/treatment, and the client must pay any additional costs if their share exceeds €50.
Valid until January 31, 2026, so the appointment and treatment must take place within this period, otherwise the rights granted by the voucher will be lost. On the day of the appointment, the client must hand over the voucher as payment to the Patient Manager for registration of the respective code.
Performing any medical act does not exclude the need for a prior medical evaluation or diagnosis.
Only one Médis Clinic voucher per client per year is allowed, regardless of the campaign type.
In case of non-use, loss, theft, or destruction, the client cannot claim any compensation or usage of the voucher.
The voucher is not redeemable for cash and cannot be combined with other vouchers or ongoing campaigns.
For more information or any questions, please contact the Médis Clinics general line at 210 522 240, Monday to Friday from 8:30 a.m. to 7:00 p.m.
You can book your consultation/treatment at one of these clinics:
• North Zone: Boavista, Bom Sucesso, Gaia, Trindade
• Center Zone: Aveiro
• Lisbon Area: Acqua Roma, Algés, Almada, Amoreiras, Avenidas Novas, Benfica, Cascais, Oeiras, and Parque das Nações
On the day of the appointment, show the voucher to the clinic’s Patient Manager and have your valid Médis card with you.
Take advantage of this offer and keep simplifying your protection with your new Médis insurance.

PUB
This information does not dispense with the reading of the legally required pre-contractual and contractual information. There are exclusions provided in the Policy.

Insurance Agent: Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 127.600.000 Euros, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 500 734 305. Insurance Agent registered under nr. 419501226, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the Life and non-Life insurance. For information and further registration details, please visit the Insurance and Pension Funds Supervision Authority Website. The Insurance Agent is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Agent does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.

Ageas Portugal - Companhia de Seguros, S.A. Head office at Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal person number 503 454 109. CRC Porto. Share capital of € 7.500.000. ASF Register 1129, www.asf.com.pt

Médis: an exclusive and registered brand of products managed by Médis - Companhia Portuguesa de Seguros de Saúde, S.A., the insurer, reinsurer, and manager of the integrated healthcare delivery system underlying the insurance policies issued by it or by other insurers under its authorization.

Personal Data Protection and Insurance Mediation
ActivoBank, as insurance intermediary, carries out its business of distribuing insurance to the Insurance Company Ageas Portugal - Companhia de Seguros, S.A. (Non-Life Branch) and to the Insurance Company Ocidental - Companhia Portuguesa de Seguros de Vida, S.A. (Life Branch). In order to carry out this simulation, it may be necessary to proceed with the collection of personal data (such as identification and contact details, among others that may be necessary) to be transmitted to the Insurance Company.

Banco ActivoBank, S.A.