The most common waiting periods in Portugal vary depending on the insurer and the services, as do the terms and coverage, but typical values are:
Consultations and simple exams: approximately 30–90 days
Hospitalization or surgeries: approximately 90 days (or more)
Childbirth / pregnancy: approximately 365 to 540 days
Some specific treatments (e.g., varicose veins or hernias): up to 1 year or more.
Why do these periods exist?
Insurers use this mechanism to prevent someone from taking out insurance only when they already know they need expensive treatment, ensuring balance in the system.
If you would like an analysis of your insurance policy and to explore new options, talk to Trust Seguros.
+351 914 464 444 (WhatsApp)
(Call to national mobile network)
info@trust-investments.pt
Insurance Brokers registered with ASF number 425587011
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