Active Senior Health – Health Insurance Designed for People Over 55

As we age, quick access to health care becomes increasingly important. Regular checkups, diagnostic tests, specialized treatments, and medical follow-up are essential for maintaining a good quality of life and preventing health problems from worsening. Una Seguros’“Saúde Sénior Ativo” was developed specifically to meet the needs of the senior population, offering reimbursement-based health insurance with different levels of coverage and benefit amounts tailored to each individual’s profile.

This solution stands out for the freedom to choose healthcare providers, the option to remain enrolled with no age limit, and the flexibility of the available plans. It is a good option for those who wish to continue having access to private medical care while maintaining autonomy in choosing healthcare professionals and facilities.

Insurance designed for seniors

Unlike many health insurance plans that have age restrictions, the Saúde Sénior Ativo plan is designed for people over 55, allowing enrollment up to age 74 and with no maximum age limit for coverage.

This feature provides greater stability for policyholders, who do not have to worry about losing their coverage simply because of advancing age.

In addition, the insurance policy allows other household members to be included, making it an attractive option for families who want to cover multiple generations under a single policy.

Co-payment via reimbursement

The Active Senior Health program operates on a system of reimbursement for healthcare expenses.

Whenever the insured person undergoes a medical procedure covered by the contracted coverage, he or she may request reimbursement of expenses, within the limits set forth in the policy, upon presentation of the relevant supporting documentation.

This model gives customers greater freedom, allowing them to choose where they want to receive medical care without being limited to a specific network of providers.

For many people, this flexibility is a major advantage, especially when they already have a relationship of trust with certain doctors or clinics.

Freedom to choose your doctors

One of the major advantages of Saúde Sénior Ativo is precisely the ability to freely choose the healthcare professionals and facilities where you wish to receive care.

The insured person is not limited to an exclusive network of providers and may choose the doctor or hospital of their choice and subsequently request reimbursement in accordance with the terms of the policy.

This freedom of choice is particularly valued by those who prefer continuity of care or wish to consult specific specialists.

Different plans for different needs

Saúde Sénior Ativo offers three coverage plans, allowing customers to tailor their insurance to their individual needs and budgets.

Each plan offers different levels of coverage and benefit amounts, allowing you to choose the option that best fits your expected usage profile.

This way, each person can choose the solution that best meets their expectations, balancing the desired level of coverage with the cost of the insurance.

Additional benefits for everyday life

In addition to medical coverage, the insurance includes access to additional benefits, such as discounts at optical stores.

Eye health becomes increasingly important as we age, and it is common to need to see an ophthalmologist, get prescription glasses, or replace lenses.

This type of benefit provides additional assistance in reducing certain expenses related to day-to-day health care.

The Importance of Health Insurance After Age 55

As average life expectancy increases, it is becoming increasingly important to ensure prompt access to specialized medical care.

Health insurance can make it easier to schedule doctor's appointments, undergo additional diagnostic tests, and receive regular follow-up care, allowing for earlier intervention in the event of any health problems.

Prevention continues to play an essential role at any age, and regular medical checkups are one of the best ways to maintain quality of life and promote active aging.

Terms of Membership

Saúde Sénior Ativo offers membership terms designed specifically for this segment of the population.

People must be at least 55 years old to enroll, and the maximum age for enrollment is 74. Once enrolled, there is no limit on how long you can remain in the program, allowing you to maintain your coverage for years to come.

Eligibility for coverage is also subject to residency in Portugal and the completion of a telephone medical questionnaire, which is part of the insurer’s standard underwriting process.

These conditions make it possible to properly assess each situation before issuing the policy.

Why choose reimbursement-based insurance?

Reimbursement-based health insurance plans offer greater flexibility in choosing healthcare providers.

Instead of limiting access to a specific network, they allow the insured person to freely choose the doctor, clinic, or hospital where they wish to receive care, and then request reimbursement for eligible expenses.

This feature makes Saúde Sénior Ativo particularly well-suited for those who value independence and wish to continue receiving care from the healthcare professionals they trust.

3 Protection plans

- Different coverages
- Different capitals

Reimbursement

In Saúde Sénior Ativo, the co-payment is made, within the contractual limits, upon delivery of the expense.

Free choice of provider

You are always guaranteed co-payment of medical expenses, regardless of the provider you choose.

Access to discounts at opticians