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Carolina Francisco
Health insurance is to be taken out while you're healthy
InsuranceNovember 12, 2025

Health insurance is to be taken out while you're healthy

Yes, you read that right! Contrary to what people usually think, the sooner you take out health insurance, the greater the benefits for you. Take a look!
By Carolina Francisco · Gestora de Marketing Digital7 min

By joining while you're healthy, you can get more affordable premiums, shorter waiting periods, and a network of care available from day one. Additionally, you avoid exclusions related to pre-existing conditions and ensure quick access to consultations, exams, and treatments without long waiting lists.

The sooner you join, the more advantages you have.

1. Quick access to consultations and treatments

Avoid long waiting lists in the public system and ensure specialized care whenever you need it.

But beware! Health insurance does not replace the National Health Service (SNS).

2. Protection against unforeseen events

From exams to surgeries, health insurance can cover medical expenses that might affect your budget.

3. Prevent today to avoid loss tomorrow

Many insurances give you access to check-ups, wellness programs, and mental health support — investing in prevention is investing in your future.

4. Plans tailored to your needs

Choose the coverage that suits your needs and your family's, with national or even international options.

How to choose health insurance?

We give you a little help!

1. Evaluation of your profile

Age, medical history, and the aspects that concern you the most.

Smiling woman checking her mobile phone

2. Compare coverages and exclusions

Exams, consultations, surgeries, alternative therapies, among other things.

Nurse playing with a child hospitalized in a hospital bed

3. Check the provider network

Hospitals, clinics, and doctors included. Even if it's not within the provider network, you may have the possibility of reimbursement.

Hospital room with a bed and a vital signs monitor

4. Consider annual coverage limits

Choose a balance between the premium and the protection.

All this at the click of a button. You just need to answer a few questions, keep an eye on your phone, and then a credit manager will contact you.

Payment with card on a contactless terminal

See you soon,
Carolina Francisco

CRRF – Brokerage, Lda. (CrediSegur) is an insurance agent registered with ASF under no. 421571530, for Life and Non-Life branches. The mediator does not assume risk coverage, is not authorized to enter into contracts on behalf of insurers, and is not authorized to receive premiums. Consultation of the legally required pre-contractual and contractual information is not waived.

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