Frequently asked questions about Médis health insurance

To subscribe to Médis insurance, the policyholder must have the following:

• Portuguese tax address at Millennium
• Minimum age of 18 years old
• At least one Millennium current account
• Taxpayer number

Yes. Médis insurance is independent from Médis Dental insurance.

Yes, you can rejoin Médis insurance. You will have new waiting periods, but access to these services right away:

• Lower prices on the Médis Network
• Médis Line
• Online Doctor

Yes. We need up to 2 days to register your data and provide the policy number. However, you can get instant access to the Online Doctor, to the Médis Line, and to lower prices on the Médis Network.

If you choose options 1, 2, or 3, you must complete a medical questionnaire. If the insured persons are minors, the policyholder completes the medical questionnaire. If you include adults other than the policyholder in the policy, the policyholder must answer the medical questionnaire in For you> Insurance> Médis Proposal. In the Vintage and Vintage Plus options, it is not necessary to fill out questionnaires.

We need your email to subscribe to Médis insurance on the Millennium App. You can update it in the Profile area of your app.

No. To add new people, you will have to create a new policy in the For You area of the Millennium App. If you want to include them in the same policy, you must go to a branch to add them.

If you select options 1, 2, and 3, you can include yourself, your descendants up to 25 years old, and adults up to 70. In the Vintage and Vintage Plus options, you can only include yourself or family members over 55.

Up to 25 years of age if you choose options 1, 2 and 3.

No. You can subscribe to Médis insurance for your family members without being included.

Yes. If you add your family to options 1, 2, and 3 you can have discounts of up to 15% on the total price of the insurance:

• 2 people - 2.5%
• 3 people - 5%
• 4 people - 10%
• 5 or more people - 15%

Yes, you can get Médis health insurance if you have a chronic illness.
When filling out the medical questionnaire, you must indicate the illness and the follow-up you have had.

You can use the insurance as soon as the waiting period for each coverage ends.

Physical insurance cards are sent to the policyholder's address, but digital cards are always available on the Millennium App.

Yes. All coverage has a waiting period that varies between 60 and 365 days. You can consult it in Coverage > Waiting periods or in the General, Special, or Particular Conditions. It does not apply in case of accident.

Depending on your age, you can choose between 5 options. Each option is unique and contains a set of coverages. You can also add optional coverage for ambulatory care in option 1 and dental care in options 2 and 3.

The Médis insurance offers different coverages depending on the option subscribed. To learn more about the coverages, choose the option “Insurance details” and then “Coverages”.

Yes. Options 2 and 3 include the stomatology option. If you choose not to subscribe to stomatology coverage, you can still benefit from advantageous prices on the Médis Network.

Psychology coverage, psychoanalysis consultations or treatments, hypnosis, and sleep therapy are not covered. Still, you can enjoy preferential prices at psychologists who are part of the Rede de Saúde e Bem-Estar. You only have to present your Médis card.

Acupuncture, consultations, hydrotherapy, complementary medicine, homeopathy, osteopathy, chiropractic care, and any other practices not recognized by the Portuguese Medical Association are not covered. However, Médis customers can enjoy discounted rates at Health and Wellbeing Network providers, just show your Médis card.

Yes, but it will be considered a pre-existing condition, meaning you won’t be able to use the insurance for surgeries or cancer treatments related to it. While an already diagnosed cancer is excluded, you can still use the insurance for other undiagnosed health issues or complications arising from oncological treatments. The enhanced oncological protection excludes pre-existing conditions and benign tumors, as outlined in the general and special insurance conditions.

Expenses that are not included in the insurance are:

• Health problems prior to the insurance start date;
• Road accidents, work accidents, or occupational illnesses;
• Other accidents that are covered by other mandatory insurance;
• Consultations, treatments, and infertility tests, as well as artificial insemination methods;
• Aesthetic or reconstructive surgeries, unless included in the treatment of malignant disease;
• Any treatment to correct obesity and its consequences;
• Weight loss treatments and their consequences;
• Hemodialysis treatments;
• Organ transplants and their implications, unless additional coverage is purchased;
• Accidents and illnesses resulting from the professional practice of sports and participation, as an amateur, in sporting events integrated into championships and respective training;
• Use of two-wheeled, three-wheeled, or four-wheeled motor vehicles.
• Continuous care;
• Expenses for services that are not medically necessary;
• Dental implants, unless mentioned in the particular conditions of your insurance;
• Check-up (general health examinations), unless mentioned in the particular conditions of your insurance.

In the context of hospital admission, your health insurance will exclude expenses arising from:

• Surgical techniques designed to correct refractive errors (myopia, hyperopia, astigmatism, etc.);
• Surgical treatment of snoring.

Although, in this case, there is no financing from Médis, you can benefit from the prices agreed with the Médis Network. To do this, you just have to present your Médis card.

The insurance contribution is the percentage that Médis covers after the copayment. If the expense is within the Médis Network, reimbursement is immediate. For expenses outside the Médis Network, you'll need to submit a claim for reimbursement.

These are two Médis health insurance options that are available for customers between 55 and 75. Customers can subscribe without undergoing medical examinations or filling out clinical questionnaires.

These options do not end for reasons of age and allow access to a range of coverages that value the protection of your health: in addition to hospitalization and ambulatory coverage, you can benefit from extensive home care services, such as 1 vaccine per year against the flu, and the Online Doctor who is always with you through the Médis App, anytime and anywhere. It also has 2nd opinion coverage, which guarantees a specialist's opinion from the Navarra University Clinic in Spain.

The Vintage Plus option also includes coverage for serious illnesses, with a capital of €1,000,000. This coverage gives you access to specialists and prestigious hospital units abroad in the event of a serious illness (cancer, pathologies involving intracranial surgery, coronary bypass, heart valve replacement, and organ transplantation).

Following an accident that results in hospitalization (authorized by Médis), if the client becomes dependent on a third party, the assistance services coverage provides access to:

• Physiotherapy and nursing at home;
• Cleaning and personal hygiene at home;
• Home food services;
• Home delivery of medicines;
• Clinical analysis at home;
• Non-urgent transport

Because the diagnosis is not always easy and a second opinion may be essential, Médis guarantees the opinion of a specialist from the Navarra University Clinic in Spain.

All documentation is sent to your registered email in your Millennium App's Profile area.

You can check the Particular Conditions of your policy on the Millennium App under Médis > Insurance details.

You can check your debit history in the Médis insurance area.

After checking the Médis Network, choose the doctor or clinic and contact them directly to book your appointment, stating that you are a Médis customer.

You'll need to pay for the full consultation upfront and then request a refund from Médis, which reimburses 35% of the total cost.

With Médis, consultations always cost €19 (if you have ambulatory care coverage: consultations and exams).

The Médis Assistant Doctor is a specialist in General and Family Medicine or Internal Medicine who can help you by phone or in person. This doctor is familiar with your medical history and can provide advice or recommend the most appropriate treatment for each situation.

Yes, when you have Médis insurance, you can choose your Assistant Doctor.

Doctor Online's General and Family Medicine and Pediatrics consultations are free of charge for all operations.

A doctor's visit to your home costs €25, and admission to an emergency room costs €50. The values may vary depending on the coverage provided by the insurance.

Yes, if you subscribe to option 3 of the Médis health insurance, you will have access to the Médis International Network, which has hospitals with renowned international reputations: the Navarra University Clinic in Pamplona and Madrid, the Barcelona Medical Center, the Johns Hopkins in the USA and the Deutsches Herzzentrum Berlin in Germany.

Option 3 also provides access to coverage for serious illnesses with a capital of €1,000,000, with treatment in the best medical center abroad, depending on your problem.

Because the diagnosis is not always easy and it may be important to have a second opinion, Médis guarantees you a specialist opinion from the Navarra University Clinic in Spain.

Yes, you can. An emergency consultation costs €50. For non-urgent consultations, having health insurance lets you access private hospitals or clinics at lower rates. Without insurance, a private hospital visit can run about €90. With Médis, it’s only €19 if you have ambulatory care coverage (consultations and exams).

Here are the medical procedures that require pre-authorization:

• Medical or Surgical Hospitalization;
• Surgical procedure in ambulatory care (in a hospital or office setting);
• Chemotherapy and Radiotherapy;
• Ophthalmology procedures using laser techniques;
• Specialized Otorhinolaryngology Services (Audiometry of evoked electrical responses, Vestulametry, Videonystagmography, Endoscopy Services);
• Special Neurophysiology Services (Electroencephalography, Evoked Potentials);
• Sleep studies;
• Diagnostic procedures performed under anesthesia;
• Invasive vascular diagnostic and therapeutic procedures;
• Interventional Cardiology;
• Lithotripsy;
• Echocardiography (Transesophageal, Fetal);
• Diagnostic and Therapeutic Nuclear Medicine (e.g., Scintigraphy, PET);
• Magnetic resonance imaging (MRI);
• Angio-CT;
• Flexible urological endoscopy;
• Bronchoscopy;
• Genetic testing;
• Childbirth;
• Amniocentesis;
• Dental implants and orthodontic braces.

If the doctor is part of the Médis Network, simply request pre-authorization from Médis, and you won’t need to do anything else. If the doctor is outside the Médis Network:

• Download the Clinical Information Printout at www.medis.pt/area-de-cliente/documentos or call the Médis Line: 218 458 888;
• Ask the doctor to fill out the form;
• Send the printed form by email to dcc.gu@medis.pt.

Yes, and they renew every year.

All insured persons are entitled to a Médis card sent to the policyholder's address. If they are Millennium customers, they will also have access to the digital card through the Millennium App, which can be shared with minors.

Yes. Digital cards are available on the Millennium App by scanning the barcode or card number. You can also share your minors' cards with anyone you want.

Usage limits are annual, but don’t worry, they reset next year. If you still need to see a doctor, you’ll pay the rates agreed upon with the providers in the Médis Network. Just present your Médis card.

Whenever you need to, you can consult a doctor online through the Médis App, which will soon be available on the Millennium App. Use it for illness, to ask questions about exams, to share analysis and exam results, or if you need prescriptions.

Yes, you can if you have been abroad for less than 45 days and have an accident or sudden illness justified by a medical report. Assistance abroad is guaranteed in these cases, subject to the capital limits and reimbursement of expenses outlined in the specific conditions of your Médis health insurance.

Médis subscriptions through the Millennium App are paid by direct debit to the chosen account.

Insurance payments are made from the 1st or 15th of each month, depending on the start date of your policy. If your policy started on the 1st, payment is made every month from the 1st. If your policy started on the 15th, payment is made every month from the 15th.

No. Insurance payments are made from the 1st or 15th of each month, depending on the start date of your policy.

Yes, but if you want to add it to the same policy, you must do it at a branch.

This is not possible on the Millennium App. You must request it at a branch or through our support line: 210052424, 918272424, 935222424, 965992424.

If you want to change the data of insured persons, you can do so at a branch.

The annual renewal of Médis insurance is automatic until the deadline for remaining in the insurance is reached.

To cancel Médis insurance, you must contact our Support Line: 210052424, 918272424, 935222424, 965992424.