Nowadays, a good way to build employee loyalty is through social benefits provided by the company.

Health insurance is one of the benefits most appreciated by Portuguese people in terms of remuneration policy.

As it is group insurance, it has lower premiums (prices) than those found in the individual insurance market.

Companies can deduct employee health insurance expenses from their corporate income tax.

Hospitalization is the basic coverage provided by health insurance, always included in policies. With coverage ranging from €5,000 to €500,000, it allows access to a private hospital or clinic in the event of hospitalization or the need for surgery.

Outpatient coverage is one of the most appreciated by policyholders, providing access to general practitioner or specialist consultations, treatments, and diagnostic tests.

Each coverage has its own annual limit of use per person.

Most insurance policies allow use within a network and reimbursement outside that agreed network.

What are the main types of health insurance coverage?

Hospitalization and Surgery:

Covers hospitalization and surgery costs that people may incur. It is considered the most important coverage by experts, since it allows the insurance company to cover costs that are often unaffordable for most families in case of need.

Outpatient clinic:

It is the most commonly used consumer coverage. It allows you to pay for part of the expenses you may incur for consultations, treatments, and exams.

Travel assistance:

allows people to be covered abroad for healthcare expenses they may incur as a result of an unexpected illness or accident while traveling;

Second medical opinion:

Allows you to obtain a medical opinion from a specialist doctor if necessary, usually through the Insurance Company;

International medical coverage for serious illness

In the event of serious illness (as identified in the policy), it allows you to seek treatment or surgical intervention abroad, in accordance with a network of providers defined by the Company;