Understanding the Portuguese healthcare system
When you move to Portugal you’ll notice that the Portuguese health system is that it has a similar national service to that which you will be used to in the UK. The main difference between the two is that in Portugal all citizens must pay nominal charges for everything from tests to GP visits.
One thing many people don’t realise is that the European Health Insurance Card (EHIC) is only intended for tourists to use for emergency health assistance while on holiday in Europe. It cannot be used to register at a doctor’s surgery or for medical care once you move to Portugal.
It is also important to know that you will not automatically qualify for Portuguese healthcare as an EU citizen. If you are of legal retirement age you will be entitled to register should you hold an S1 form, but otherwise you will only be able to get cover if you begin contributing to Portugal’s social security system (generally through employment of some kind.) This may well be news to those already living in Portugal, as historically it has been easy to register for the healthcare service without meeting these requirements, but the system is being tightened up and if you don’t meet the criteria you will usually be told that you don’t qualify.
One thing that many people don’t realise is that the European Health Insurance Card (EHIC) is only intended for tourists to use for emergency health assistance while on holiday in Europe
Private medical insurance is an option
If you don’t qualify for this, or if you wish to complement what you do receive, you may well choose to take out private medical insurance. There are a number of options here, with the choice of a Portuguese insurer or an international company to gain Europe-wide or global cover.
The cost of cover can vary vastly and your age will play a huge part in the cost difference. Gaining cover for pre-existing conditions can be complex, so it’s wise to enlist the help of an insurance broker who can help to explain, in detail, the difference between the policies.
If you already have a health insurance policy, it is a good idea to check it to see if it covers you for treatment abroad. Some policies may only cover you in the UK, whilst others will cover you for reasonable healthcare costs abroad. Make sure you read, and analyse, the fine print to see what is covered. It may be the case that your current policy covers you for basic treatment, and you can rest safe in the knowledge that you are covered in the run up to taking out a new policy.
Private healthcare policies may well be more affordable that you realise, and finding out the cost now could help you budget for your new life in Portugal. We can put you in touch with a health insurance provider who can protect you at a reasonable cost.
Health benefits from employment
Once you begin working in Portugal, it is worth checking with the new employer whether or not they provide any kind of health benefits. If they do, make sure you find out if there is a period of time that has to pass by before they kick in – e.g. you may not be eligible for benefits until your probationary period is over. If this is the case, you will need to take out insurance to cover you in the interim period.
it’s worth mentioning the existence of plenty of private clinics all over Portugal that typically charge around €40 (approx. £32) for an appointment with a GP. Many people pay to make use of these facilities to avoid waiting in state doctor’s surgeries, and this is an option for those without any other form of cover.
Pharmacies and medicines
As in the UK, you should find a pharmacy in most town centres and malls. Medications are subsidised, and if you have the correct prescription your medication will be at very low cost. As some medication can be quite expensive without prescription, you may find that your GP offers you a prescription for cough medicine or pain-killers, which will save you money in the pharmacy.
You may find that your GP offers you a prescription for cough medicine or pain-killers, which will save you money in the pharmacy.
If you are on regular medication already, you can bring these with you to Portugal, providing you have paperwork to confirm that this is for personal use only.
The national emergency number in Portugal is 112, the European common emergency number. There is also a health line for emergencies on 808 242 424. Operators can usually answer the calls in English if need be.
Taking care of your health doesn’t stop when you move to Portugal. With Brexit on it’s way, there is now an added level of uncertainty about cheap and accessible healthcare overseas. This is why we have produced this guide to Healthcare Abroad in 2018 which provides information on:
✔ How to get Portuguese healthcare
✔ Private medical insurance
✔ Planning ahead
✔ How overseas services compare with the NHS
✔ What could happen after Brexit