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

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

Being a group insurance, it has lower premiums (prices) than those found on the individual insurance market.

Companies can deduct the cost of health insurance for employees from their corporate income tax.

Hospitalization is the basic health insurance cover that is always included in policies. With capitals of between 5 and 500 thousand euros, it allows access to a private hospital or clinic in the event of hospitalization or the need for surgery.

Outpatient cover is one of the most popular with insured people, giving access to general or specialty consultations, treatments and auxiliary diagnostic tests.

Each cover has its own annual limit per person.

Most insurances allow for use in a network and reimbursement outside the agreed network.

What are the main health insurance covers?

Hospitalization and Surgery:

It covers hospitalization and surgery costs that people may incur. It is considered the most important cover by experts, as it allows the insurance company to cover costs that are often unaffordable for most families;

Outpatients:

This is the most widely used consumer cover. It allows you to pay for part of the costs you may incur with consultations, treatments and exams;

Travel assistance:

In the event of a trip, it allows people abroad to be covered for any health costs they may incur as a result of an unexpected illness or accident;

Second medical opinion:

It allows you to obtain a medical opinion from a specialist doctor in case of need, usually through the insurance company;

International medical cover for serious illness

In the event of a serious illness (identified in the policy), it is possible to have treatment or surgery abroad, according to a network of providers defined by the company;