Health insurance for international families in Portugal and Spain
If your family lives in Portugal or Spain but your life is not confined to one country, an international health plan is usually the right starting point: treatment where you choose, cover that travels with you and continues if you move again. We compare Allianz Care, Cigna Global and APRIL International side by side — and if a domestic plan suits you better, we arrange that too.
How we approach health cover
International first
International plans let you be treated in Portugal, Spain, your home country or elsewhere, depending on the area of cover you choose. They are underwritten person by person, with medical history assessed at the start.
Allianz Care, Cigna Global and APRIL International
We compare the three on area of cover, annual limits, deductibles, outpatient, dental and maternity options, and the quality of the claims service. US citizens are placed with Cigna Global.
Domestic plans, when they fit
In Portugal we also place domestic plans with Médis, Allianz, ASISA and MGEN. They cost less, but they work within the national network, generally exclude pre-existing conditions and have entry-age limits.
Pre-existing conditions
Portuguese domestic plans generally exclude them; MGEN accepts them after a 365-day waiting period. International plans assess them at underwriting and may accept, exclude or rate them.
Timing
International underwriting usually takes more than a week. If you need cover from a fixed date — a move, a residence permit, the end of an employer plan — start early.
Related cover
International health insurance
Health cover for families who live and travel between countries.
Family liability
Limits in line with the household's assets — for guests, staff and every home.
High-value homes — Portugal
The house, its contents and valuables, with the sum insured based on rebuild cost.
High-value homes — Spain
The house, its contents and valuables, with the sum insured based on rebuild cost.
Art, jewellery & watches
Listed items on an agreed value, at home and when travelling.
Classic & high-value cars
Collector and high-value cars, insured on their real value.
Yachts & boats
Hull, liability and navigation area, for private use or charter.
Professional liability
Cover for advice and treatment, from €250,000, on a claims-made basis.
Family offices
Fiduciary liability, cyber, fraud and kidnap & ransom for families and their structures.
How we work
In writing first
We read your current policies and the property before proposing anything, and send you a written opinion.
Specialist insurers
Homes and valuables are placed with insurers that specialise in private clients, chosen for the wording each risk needs; international health with Allianz Care, Cigna Global and APRIL International — always subject to the insurer accepting the risk.
One adviser, two countries
Portugal and Spain with the same adviser. In Spain we work under the EU freedom to provide services.
Request a written opinion
Tell us where the property is, what you would like to insure and which policies you have today.
Ask for a quote — it takes under a minute
Leave just the essentials and we will reply in writing. As each proposal is specific and requires a detailed analysis of the risk, response times may vary. We ask for the rest by email.
What we will ask for your quote
After the first contact we ask for these details by email. If you have them to hand, you can send them now to insurance@adlerrochefort.com.
- Full name
- Full address of the property
- Portuguese tax number (NIF)
- Gross construction area
- Year of construction
- Main or second home
- Occupation
- Age
- Buildings sum insured
- Contents sum insured
- Valuables sum insured
By sending this form you agree to us using your details to prepare and discuss your quote, in line with our privacy policy. We never sell your data. Adler & Rochefort is a trading name of Ownizo, Unipessoal Lda., registered in Portugal with the ASF under no. 425591790/3 and in Spain with the DGSFP under the freedom to provide services (LPS).
Thank you
Your request has been received. Our team will get back to you. As each proposal is specific and requires a detailed analysis of the risk, response times may vary.
Frequently asked questions
Can I take an international plan in the country of my nationality?
Generally no. International plans are designed for people living outside their country of nationality. We confirm eligibility before we quote.
Do I need a Portuguese address for a domestic plan?
Yes. Domestic plans require a Portuguese tax number (NIF) and address for the policyholder and everyone insured. International plans do not need a Portuguese tax address.
What if I am over 65?
Domestic plans in Portugal generally do not accept new members over 65; MGEN does, for households of two or more people. International plans have their own age rules, which we check case by case.
What do you need to quote an international plan?
The full name, date of birth and nationality of each person, and the country where you will live — and the state, for US citizens.
Also for international residents
Holiday homes — Portugal · Holiday homes — Spain · Therapists, yoga & Pilates
General information. Cover, conditions, limits and exclusions depend on the insurer, the policy wording and the acceptance of the risk.