Is private health insurance worth it in Portugal?
Estimate2026 figuresFreeNo sign-up
Example: change the values to see your own case
Worth it you save €23 per year
| Without insurance, per year | €570 |
| With insurance (premium + what you pay) | €548 |
| Difference in IRS (15% of the difference in expenses) | − €3 |
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How it was calculated
It compares what you spend in a year without insurance with the annual premium plus what you pay out of pocket with insurance. The starting values are examples.
Insurance also protects you against large, unexpected costs, such as surgery, which this calculation does not show. Always read the policy's limits, waiting periods and exclusions.
Frequently asked questions
Is health insurance deductible on IRS?
Yes, the premium counts as a health expense: 15% up to the €1000 limit per family.
What is a waiting period?
The time after taking out insurance during which you can’t yet use certain cover, like childbirth or surgery.