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Médis health insurance

Your go-to health insurance with 3 options

With a wide range of benefits, such as Online Doctor, Bebé Médis Program, Médis Network, and more
couple with 2 small children, in a hug

Médis health insurance

Your go-to health insurance with 3 options

With a wide range of benefits, such as Online Doctor, Bebé Médis Program, Médis Network, and more
couple with 2 small children, in a hug
couple with 2 small children, in a hug

All the benefits

What’s included?

Médis network Over 13.000 doctors and over 8.000 hospitals, clinics, and medical offices nationwide.
 smiling doctor with a stethoscope around her neck  smiling doctor with a stethoscope around her neck
Médis Doctor Assistant A dedicated GP allowing ongoing medical monitoring in-person or over the phone.
Home Medication Delivery A fast home delivery service for medications.
This service is free until June 30, 2025, for customers with Ambulatory Assistance coverage in their Médis policies.
Learn more
Médis support line Nurses are available over the phone 24/7, offering a permanent healthcare support service.

218 458 888 (call to the national landline network. The cost of communications depends on the price plan agreed with your operator).
View more
Baby Médis Program Follow-up before, during, and after pregnancy, with articles, tips, a fertility period calculator, and much more. Discover program
Médis card Access to Médis network and benefits from Rede de Saúde e Bem-Estar. Carry it with you in your wallet or smartphone.
Médis app Access your medical history and Médis card on your phone. The app is free and available for Android and iOS. View app
Monthly premium discounts For subscriptions through Millennium website or app.
Enhanced oncological protection Increased capital, closer, dedicated monitoring, and personalized prevention plan.
Online Doctor Access a doctor anytime through the Médis app. Schedule appointments via video call, send exams, and receive prescriptions. Learn more
Médis network Over 13.000 doctors and over 8.000 hospitals, clinics, and medical offices nationwide.
Médis card Access to Médis network and benefits from Rede de Saúde e Bem-Estar. Carry it with you in your wallet or smartphone.
 smiling doctor with a stethoscope around her neck  smiling doctor with a stethoscope around her neck
Médis Doctor Assistant A dedicated GP allowing ongoing medical monitoring in-person or over the phone.
Médis app Access your medical history and Médis card on your phone. The app is free and available for Android and iOS. View app
Home Medication Delivery A fast home delivery service for medications.
This service is free until June 30, 2025, for customers with Ambulatory Assistance coverage in their Médis policies.
Learn more
Monthly premium discounts For subscriptions through Millennium website or app.
Médis support line Nurses are available over the phone 24/7, offering a permanent healthcare support service.

218 458 888 (call to the national landline network. The cost of communications depends on the price plan agreed with your operator).
View more
Enhanced oncological protection Increased capital, closer, dedicated monitoring, and personalized prevention plan.
Baby Médis Program Follow-up before, during, and after pregnancy, with articles, tips, a fertility period calculator, and much more. Discover program
Online Doctor Access a doctor anytime through the Médis app. Schedule appointments via video call, send exams, and receive prescriptions. Learn more

Waiting periods

These are our waiting periods

These coverages become available after a 60-day waiting period from the date of insurance subscription:
Ambulatory Care, Dental Care, and Oncology - Prosthetics and Orthotics;
2nd Opinion, Psychology and Psychiatry Consultations, and Psychotherapy Sessions.
These coverages become available after a 90-day waiting period from the date of insurance subscription:
Clinical Assistance for Hospitalization and Psychiatric Admission.
These coverages become available after a 180-day waiting period from the date of insurance subscription:
Coverage for serious illnesses;
Surgical or other invasive treatments for benign prostatic hypertrophy, benign uterine conditions, cystocele, and rectocele.
These coverages become available after a 365-day waiting period from the date of insurance subscription:
Childbirth;
Surgical treatment of varicose veins of the lower limbs and herniated discs;
Hemorrhoidectomy and other treatments for hemorrhoidal disease and surgical treatment for perianal fistula;
Arthroscopic treatment of joint pathology;
Tonsillectomy, adenoidectomy, myringotomies with or without application of ventilation tubes;
Septoplasty, rhino septoplasty, and surgical treatment for sleep apnea;
Removal of benign skin lesions, subcutaneous tissue, and laser treatments for benign skin conditions.

Protection and amounts

Options, coverage, and capital

Coverage and capital

Option 1

Option 2

Option 3

Coverage and capital

Base

Option 1

€15,000.00

Option 2

€50,000.00

Option 3

€1,000,000.00

Coverage and capital

Reinforced Oncological Protection

Option 1

Option 2

Additional €50,000.00

Option 3

Unlimited

Coverage and capital

Childbirth

Option 1

Option 2

Included in Hospital Care

Option 3

Included in Hospital Care

Coverage and capital

Base

Option 1

€200.00 (Optional) or
€1,000.00 (Optional)

Option 2

€2,500.00

Option 3

€5,000.00

Coverage and capital

Enhanced Cancer Protection

Option 1

Option 2

Additional €2,500.00

Option 3

Additional €5,000.00

Coverage and capital

Psychiatric care

Option 1

20 days1

Option 2

20 days

Option 3

20 days

Coverage and capital

Psychology and Psychotherapy consultations

Option 1

20 sessions1

Option 2

20 sessions

Option 3

20 sessions

Coverage and capital

Psychiatry consultations

Option 1

Included in Ambulatory Care1

Option 2

Included in Ambulatory Care

Option 3

Included in Ambulatory Care

Coverage and capital

Online Doctor

Option 1

Included

Option 2

Included

Option 3

Included

Coverage and capital

Family and General Medicine, and Pediatrics

Option 1

No limit1

Option 2

No limit

Option 3

No limit

Coverage and capital

Psychiatry

Option 1

Included in Ambulatory Care1

Option 2

Included in Ambulatory Care

Option 3

Included in Ambulatory Care

Coverage and capital

Psychology

Option 1

Included in Mental Health

Option 2

Included in Mental Health

Option 3

Included in Mental Health

Coverage and capital

Other specialties

Option 1

Included in Ambulatory Care1

Option 2

Included in Ambulatory Care

Option 3

Included in Ambulatory Care

Coverage and capital

2nd Opinion

Option 1

Included2

Option 2

Included2

Option 3

Included2

Coverage and capital

Brassiere for Breast Prosthesis

Option 1

Option 2

€40.00 (1 per annuity)

Option 3

€40.00 (1 per annuity)

Coverage and capital

External Bilateral Breast Prosthesis

Option 1

Option 2

€110.00 (1 per policy)

Option 3

€110.00 (1 per policy)

Coverage and capital

External Unilateral Breast Prosthesis

Option 1

Option 2

€95.00 (1 per policy)

Option 3

€95.00 (1 per policy)

Coverage and capital

Wigs

Option 1

Option 2

€500.00 (1 per life)

Option 3

€500.00 (1 per life)

Coverage and capital

Ostomy support products

Option 1

Option 2

€500.00

Option 3

€500.00

Coverage and capital

Patients transport

Option 1

Option 2

2 transports per policy

Option 3

2 transports per policy

Coverage and capital

Psychological support

Option 1

Option 2

5 consultations per year

Option 3

5 consultations per year

Coverage and capital

Comfort service3

Option 1

Option 2

€1,000.00 per policy

Option 3

€1,000.00 per policy

Coverage and capital

Home nursing

Option 1

Option 2

10 uses per policy

Option 3

10 uses per policy

Coverage and capital

Dental Care

Option 1

Option 2

€250.00 (Optional)

Option 3

€1,000.00 (Optional)

Coverage and capital

Serious Illnesses4

Option 1

Option 2

Option 3

€1,000,000.00

Coverage and capital

International

Option 1

5

Option 2

5

Option 3

Included

Coverage and capital

Physiotherapy

Option 1

€500.001

Option 2

€500.00

Option 3

€500.00

Coverage and capital

On the Médis Network6

Option 1

100%

Option 2

100%

Option 3

100%

Coverage and capital

Outside the Médis Network

Option 1

35%

Option 2

35%

Option 3

35%

Coverage and capital

Online medicine

Option 1

100% within the Médis App

Option 2

100% within the Médis App

Option 3

100% within the Médis App

Coverage and capital

Serious illnesses

Option 1

Option 2

Option 3

100%

Coverage and capital

Dental Care Devices and Prostheses

Option 1

Option 2

50% within the Médis network7
35% outside the Médis network7

Option 3

50% within the Médis network7
35% outside the Médis network7

Coverage and capital

Psychiatric hospitalization

Option 1

100% within the network1

Option 2

100% within the network

Option 3

100% within the network

Coverage and capital

Psychology and Psychotherapy consultations

Option 1

100% within the network1
35% outside the network1

Option 2

100% within the network1
35% outside the network1

Option 3

100% within the network1
35% outside the network1

Coverage and capital

Psychiatry consultations

Option 1

100% within the network1
35% outside the network1

Option 2

100% within the network1
35% outside the network1

Option 3

100% within the network1
35% outside the network1

Coverage and capital

Hospital care Médis network

Option 1

10%, Min. €250.00 and Max. €500.00

Option 2

10%, Min. €250.00 and Max. €500.00

Option 3

10%, Min. €250.00 and Max. €500.00

Coverage and capital

Hospital care CUF and Luz Saúde

Option 1

10%, Min. €400.00 and Max. €600.00

Option 2

10%, Min. €400.00 and Max. €600.00

Option 3

10%, Min. €400.00 and Max. €600.00

Coverage and capital

Chemotherapy

Option 1

10% per session, Max. €500.00

Option 2

10% per session, Max. €500.00

Option 3

10% per session, Max. €500.00

Coverage and capital

Childbirth

Option 1

Option 2

Normal birth: €250.00
Cesarean section: €600.00

Option 3

Normal birth: €250.00
Cesarean section: €600.00

Coverage and capital

Primary Health Care consultations Médis network8

Option 1

€19.001

Option 2

€19.00

Option 3

€19.00

Coverage and capital

Primary Health Care consultations CUF and Luz Saúde8

Option 1

€21.001

Option 2

€21.00

Option 3

€21.00

Coverage and capital

Specialist consultations Médis network

Option 1

€19.001

Option 2

€19.00

Option 3

€19.00

Coverage and capital

Specialist consultations CUF and Luz Saúde

Option 1

€21.001

Option 2

€21.00

Option 3

€21.00

Coverage and capital

Médis Medical Assistance

Option 1

€12.501

Option 2

€12.50

Option 3

€12.50

Coverage and capital

Online Médis Medical Assistance

Option 1

€10.00

Option 2

€10.00

Option 3

€10.00

Coverage and capital

Emergencies Médis network

Option 1

€50.001

Option 2

€50.00

Option 3

€50.00

Coverage and capital

Emergencies CUF and Luz Saúde

Option 1

€55.001

Option 2

€55.00

Option 3

€55.00

Coverage and capital

Physiotherapy

Option 1

€7.50

Option 2

€7.50

Option 3

€7.50

Coverage and capital

Home

Option 1

€25.001

Option 2

€25.00

Option 3

€25.00

Coverage and capital

Medical tests (per test)

Option 1

€2.001

Option 2

€2.00

Option 3

€2.00

Coverage and capital

Pathological Anatomy

Option 1

€10.001

Option 2

€10.00

Option 3

€10.00

Coverage and capital

X-rays

Option 1

€10.001

Option 2

€10.00

Option 3

€10.00

Coverage and capital

Ultrasounds

Option 1

€15.001

Option 2

€15.00

Option 3

€15.00

Coverage and capital

Nuclear Medicine

Option 1

20%1

Option 2

20%

Option 3

20%

Coverage and capital

CT scan Médis network

Option 1

€30.001

Option 2

€30.00

Option 3

€30.00

Coverage and capital

CT scan CUF and Luz Saúde

Option 1

€55.001

Option 2

€55.00

Option 3

€55.00

Coverage and capital

Magnetic Resonance Médis network

Option 1

€70.001

Option 2

€70.00

Option 3

€70.00

Coverage and capital

Magnetic Resonance CUF and Luz Saúde

Option 1

€100.001

Option 2

€100.00

Option 3

€100.00

Coverage and capital

Dental Care (by treatment)

Option 1

Option 2

€15.007

Option 3

€15.007

Coverage and capital

Médis Clinical Dental Care (by treatment)

Option 1

Option 2

€10.007

Option 3

€10.007

Coverage and capital

Additional diagnostic methods

Option 1

20%1

Option 2

20%

Option 3

20%

Coverage and capital

Ambulatory Surgeries and Medical Procedures

Option 1

20%1

Option 2

20%

Option 3

20%

Coverage and capital

Oncology - Psychological Support

Option 1

Option 2

€10 per consultation

Option 3

€10 per consultation

Coverage and capital

Oncology - Home Nursing

Option 1

Option 2

€10 per use

Option 3

€10 per use

Coverage and capital

Psychiatric Hospitalization

Option 1

No copayment1

Option 2

No copayment

Option 3

No copayment

Coverage and capital

Psychology and Psychotherapy Consultations Médis network

Option 1

€19.001

Option 2

€19.00

Option 3

€19.00

Coverage and capital

Psychology and Psychotherapy Consultations CUF and Luz Saúde

Option 1

€21.001

Option 2

€21.00

Option 3

€21.00

Coverage and capital

Psychiatry consultations Médis network

Option 1

€19.001

Option 2

€19.00

Option 3

€19.00

Coverage and capital

Psychiatry consultations CUF and Luz Saúde

Option 1

€21.001

Option 2

€21.00

Option 3

€21.00

Coverage and capital

General and Family Medicine and Pediatrics

Option 1

No copayment1

Option 2

No copayment

Option 3

No copayment

Coverage and capital

Psychiatry

Option 1

€12.501

Option 2

€12.50

Option 3

€12.50

Coverage and capital

Psychology

Option 1

€12.501

Option 2

€12.50

Option 3

€12.50

Coverage and capital

Other specialties

Option 1

Up to €20.001

Option 2

Up to €20.00

Option 3

Up to €20.00

Coverage and capital

Ambulatory Assistance

Option 1

50.0010 per insured person/year

Option 2

Option 3

Coverage and capital

International - Other Clinics

Option 1

Option 2

Option 3

€1,500.00 per household/year

Coverage and capital

Mental Health - Psychiatric Hospital Care

Option 1

1 day1

Option 2

1 day

Option 3

1 day

Amounts in euros.

1 Applicable when subscribing to optional Ambulatory Care coverage.
2 Access through the Médis Line. The University Clinic of Navarra provides this service.
3 Cleaning and personal hygiene services, babysitting, and physiotherapy services.
4 The benefits under this coverage are only valid in the network of providers agreed outside the national territory. Under this coverage, pathologies included in the contractual conditions are considered Serious Illnesses.
5 Médis Customers with Options 1 or 2 (options without International Coverage) will receive a 15% discount on Consultations and Complementary Diagnostic Tools at the University Clinic of Navarra.
6 After copayments
7 Applicable when optional Dental Care coverage is subscribed.
8 Primary Care Consultations: General and Family Medicine, Internal Medicine, Pediatrics, Gynecology / Obstetrics, and Ophthalmology.
9 Customers without Ambulatory Care coverage benefit from agreed prices.
10 Applicable when subscribing to optional Ambulatory Care coverage with €1,000 (Option 1), except for Online Doctor, which has no deductible.

International cover

Clinics, capital, and coverage

Clinics

Capital

Coverage

Clinics

Navarra University Clinic (Spain)11

Capital

Unlimited

Coverage

100%

Clinics

Barcelona Medical Centre

Capital

€75,000

Coverage

80%

Clinics

Deutsche Herzzentrum Berlin (Germany)

Capital

€75,000

Coverage

80%

Clinics

Johns Hopkins (EUA)

Capital

€75,000

Coverage

80%

Clinics

Other12

Capital

€75,000

Coverage

60%

Amounts in euros.

11 Médis will pay all previously authorized health expenses and, in case of hospitalization, will also pay the insured person and companion's travel expenses regarding airplane (economy class), train or car trips (only includes petrol, tolls and accommodation for one night for the trip to the clinic and another night for the trip back).
12 €1,500.00 deductible per household/year.

The amounts in the table above refer to the maximum amounts covered by Médis per policy and per insured person, for the specified covers.

Costs

Now the numbers

The premium changes based on the option you picked, any pre-existing conditions, and the age of the insured person.
Based on the number of family members included in the policy, the following discounts apply:
2 individuals insured
2.5% 2.5%
3 individuals insured
5% 5%
4 individuals insured
10% 10%
5 or more individuals insured
15% 15%

The insurer's risk analysis may lead to premium adjustments or the exclusion of specific coverage.

Subscribing and submitting expenses

Just a few steps to protection


Where should I send it?
Where should I send it?
Médis, Praça Príncipe Perfeito 2, 1990-278 Lisboa
Médis, Praça Príncipe Perfeito 2, 1990-278 Lisboa

Subscribing and submitting expenses

Just a few steps to protection

Categories
On the app or website
On the app or website
select how many people you want to include.
select how many people you want to include.
CP Simulador
Choose the insurance option
Choose the insurance option
and get a quote.
and get a quote.
Doc Manual
Fill out the medical form
Fill out the medical form
of all the people you’ll include.
of all the people you’ll include.
Confirmar Notificacao e confirmar app
Subscribe, sign the proposal
Subscribe, sign the proposal
and you’re all set!
and you’re all set!
Login
Log in and go to the Client Area
Log in and go to the Client Area
> Expenses > New Expense and select the "Digital" option.
> Expenses > New Expense and select the "Digital" option.
Doc Manual
Enter the details of the medical expenses
Enter the details of the medical expenses
and upload the invoices and other necessary documents or take a photo.
and upload the invoices and other necessary documents or take a photo.
CP Conta
Request reimbursement of expenses online
Request reimbursement of expenses online
and you will be reimbursed within a maximum of 72 hours.
and you will be reimbursed within a maximum of 72 hours.
Doc Manual
Print out and fill in
Print out and fill in
the Health Expenses Reimbursement Form.
the Health Expenses Reimbursement Form.
Preencher
Envelope
Send it by post,
Send it by post,
together with the originals of the respective medical expenses.
together with the originals of the respective medical expenses.
CH Doc Envio
Done!
Done!
Now, you just have to wait for the refund.
Now, you just have to wait for the refund.
Where should I send it?
Where should I send it?
Médis, Praça Príncipe Perfeito 2, 1990-278 Lisboa
Médis, Praça Príncipe Perfeito 2, 1990-278 Lisboa

Frequently asked questions

Questions? We’ll help

Having health insurance is essential to stay protected. With Médis Health Insurance, you have 3 basic options to choose from, to which you can add optional coverage according to your protection, health care and family needs, and your family budget.

Having health insurance is essential to stay protected. With Médis Health Insurance, you have 3 basic options to choose from, to which you can add optional coverage according to your protection, health care and family needs, and your family budget.

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

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

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.

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.

This is the time you have to wait to use your insurance coverage. It does not apply in the event of an accident.

This is the time you have to wait to use your insurance coverage. It does not apply in the event of an accident.

You can request a refund through the Médis App, the Médis Website, or by mail. It will also soon be available on the Millennium App. If you choose mail, click on “New Expense”, fill in the fields, and download the created document. Send this document by mail to Médis and proof of your medical procedures to the following address: Médis - Companhia Portuguesa de Seguros de Saúde, SA. Praça Príncipe Perfeito 2, 1990-278 Lisboa.

You can request a refund through the Médis App, the Médis Website, or by mail. It will also soon be available on the Millennium App. If you choose mail, click on “New Expense”, fill in the fields, and download the created document. Send this document by mail to Médis and proof of your medical procedures to the following address: Médis - Companhia Portuguesa de Seguros de Saúde, SA. Praça Príncipe Perfeito 2, 1990-278 Lisboa.

Frequently asked questions

Questions? We’ll help

Having health insurance is essential to stay protected. With Médis Health Insurance, you have 3 basic options to choose from, to which you can add optional coverage according to your protection, health care and family needs, and your family budget.

Having health insurance is essential to stay protected. With Médis Health Insurance, you have 3 basic options to choose from, to which you can add optional coverage according to your protection, health care and family needs, and your family budget.

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

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

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.

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.

This is the time you have to wait to use your insurance coverage. It does not apply in the event of an accident.

This is the time you have to wait to use your insurance coverage. It does not apply in the event of an accident.

You can request a refund through the Médis App, the Médis Website, or by mail. It will also soon be available on the Millennium App. If you choose mail, click on “New Expense”, fill in the fields, and download the created document. Send this document by mail to Médis and proof of your medical procedures to the following address: Médis - Companhia Portuguesa de Seguros de Saúde, SA. Praça Príncipe Perfeito 2, 1990-278 Lisboa.

You can request a refund through the Médis App, the Médis Website, or by mail. It will also soon be available on the Millennium App. If you choose mail, click on “New Expense”, fill in the fields, and download the created document. Send this document by mail to Médis and proof of your medical procedures to the following address: Médis - Companhia Portuguesa de Seguros de Saúde, SA. Praça Príncipe Perfeito 2, 1990-278 Lisboa.

Subscribe insurance on the go with the app

Explore app
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Screen of the Millennium app in the insurance section

Legal documents and other information

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Insurance product information document

Download
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General and Special Conditions

Download
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Proposal Form

Download
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Medical Questionnaire

Download
There are exclusions stipulated in the policy.
Advertising. This information does not waive the consultation of the legally required pre-contractual and contractual information.

Need help?

We are here for you

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Need help?
Here you can find the answer to all your questions
Here you can find the answer to all your questions
Localizador De Sucursal
Looking for a branch?
Find the nearest branch
Find the nearest branch
Contactos
Need to call us?
Call whenever you need to
Call whenever you need to