If youre planning on living in Portugal, or perhaps buying a holiday home that youll visit many times over, youll need to be aware of the healthcare available to you as an expat.
The good news is that Portugal enjoys a similar system to the National Health Service in the UK. The quality of care is good, and hospitals and local surgeries are well equipped. However, its fair to say the more rural areas are not so well covered and there might be lengthy waiting lists.
While British expats, as part of the European Union, are entitled to use the service, not everything is free. Visitors would use their usual EU citizen health card, but those moving permanently to the country would need to register as a resident. With a residence certificate in hand, they can register with a GP at a local state-run health centre. Those of a pensionable age also need to obtain an S1 form.
The Serviço Nacional de Saúde is the Portuguese equivalent of the NHS. Visitors from Britain must present their European Health Insurance Card to receive treatment, but those who have moved to the country and enjoy living in Portugal will also be treated, thanks to their residence certificate.
While services are ostensibly free, most do come with a small payment requirement. Its the equivalent of British Citizens having to pay a prescription charge back home. In general, visits to the doctor might cost a couple of euros, while tests, X-rays and scans will cost a few euros more.
Many Brits buying property in Portugal like to cover all bases by taking out private health insurance to sit alongside the provision they are entitled to, or simply paying to go private if the need arises.
With Britains position within the European Union currently open to question, its unknown what future free treatment will be available to visitors, which is worth bearing in mind if family or friends from Britain come over to stay with you.
Because theres a small charge for public services anyway, and because private health insurance is relatively cheap, many British expats living in Portugal elect to pay for private health insurance. Together with peace of mind, private insurance gives the individual the choice of public or private hospitals or GP visits.
To give you an idea of the convenience and cost, it might set you back €40 to see a private doctor immediately, rather than wait to see a public one which will cost a few euros anyway.
Taking out health insurance might mean you only pay €10 or €20 to see the private doctor. The rest is paid up by the policy.
You can pay all scenarios privately if you so wish. For instance, while childbirth is covered by the public health system (with a small charge), it is quite an old-fashioned experience. British parents looking for a more modern birthing plan approach might prefer the private route, which would cost in the region of €4,000.
With services sometimes underfunded and busy, some people prefer to take out private health insurance for extra services like dental care and vision.
If youre buying property in Portugal and taking your dependents to live there with you, everyone will be entitled to the public health care. Like you, they need to have a residence certificate to register at the local health centre.
Adults need to have obtained a NISS, or social security number and show that alongside the residence certificate at the health centre. You wont be given a NISS number unless youre working or dependent upon someone who is.
That means that the head of the household should be working in Portugal to receive the public healthcare benefits. If you are retired, then you jump through one more form-filling hoop to get started.
If you get an exportable pension from the UK, you should apply for an S1 form from the Department of Works and Pensions International Pensions Centre.
If youre employed, your employer will register you in the social security system in Portugal. If youre self-employed, youll need to register with the Social Security Institute directly before applying for health insurance.
Private health insurance can run from the low hundreds to thousands of euros a year depending on your age and health history. Most schemes also come with an excess payment policy, meaning youll have to pay a small fee before making a claim.
Like in the UK, you can add dependents on to your private health care policy.
The service is similar to the UK in that you must get a referral from a local GP before being admitted to hospital for treatment. Of course, emergencies are the exception to the rule, and you should dial the emergency services on 112. Operators are generally able to understand English, as indeed are most Portuguese GPs.
The small fee payable for all public health care even applies to the trip in an ambulance if you are unlucky enough to need one.
If youve got a minor ailment, youll get many medicines over the counter at the local pharmacy (farmacia de service), which have a green cross sign outside. Some medicines require a prescription from your GP. Youll be expected to contribute to the cost of your prescribed medicine, ranging from 15% to 90%.
When you move into your new Portuguese home, investigate what public healthcare you have available locally. Not all hospitals are the same but are generally classified according to the services they offer.
There are around 200 hospitals in Portugal, half of which are private. The different types of hospital are below:
If youre planning on living in Portugal, youll be able to use the “free” public healthcare once you have your social security number and residence permit. But, because you have to make a small payment for just about every “free” part of the health service, and because there can often be a bit of a waiting list, many Brits planning on moving to Portugal take out private health insurance as well, giving themselves a wider choice of care.
Do you intend to open a bank account in Spain? This might be because you’re planning to emigrate to the Iberian peninsula with your family, to start a new life in Marbella or the Costa Blanca. Alternatively, this could be because you want to buy a Spanish holiday home, to enjoy year-round escapes to […]
By Jessica Roberts
Excellent service, clear and unambiguous advice and I was given an expert insight into currency fluctuations and the potential for gains as well as losses. Ultimately, they saved me money which is always a bonus when your uncertain about who to trust with your money. My advice? Don’t use your bank, it will save you thousands by using Foreign Currency Direct.
Having tried Transferwise and HiFx, Foreign Currency Direct is cheaper whilst still providing a very personal and professional service. I now wouldn’t use anybody else.
They are patient, constructive and always seem to look for the best possible way to assist their clients. Importantly, they do what they say they will do in the time frame they commit to. Emails and phone calls have a quick response – communication has always been excellent. Foreign Currency Direct plc will continue to be my first choice.
Good honest advice, simply the best.
Brilliant, fuss free service as always. They always deliver exactly what they say and in super fast timescales. Reliable, helpful and approachable.
FCD keep you informed and are there when you need to talk to them. Add to that the excellent rate and speed of transfer and you have the perfect company for your money.
Excellent experience every time. I always feel as though it is a personal service with the staff getting to know me as a person rather than just a customer. Special thanks to Dayle Littlejohn.