Health Insurance
Quick access to private doctors and hospitals.
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Maximum ProtectionThe insurance that gives you access to consultations, exams, surgeries, and therapies, with no age or capital limits.
All insurersWe negotiate health insurance for you, with the best coverage at the best price.
100% online processChoose the coverages, define the capitals, and activate your Insurance without leaving home, always with the help of a dedicated manager.
Maximum ProtectionThe insurance that gives you access to consultations, exams, surgeries, and therapies, with no age or capital limits.
All insurersWe negotiate health insurance for you, with the best coverage at the best price.
100% online processChoose the coverages, define the capitals, and activate your Insurance without leaving home, always with the help of a dedicated manager.
ASF Autoridade de Supervisão de Seguros e Fundos de Pensões
CRRF – BROKERAGE, LDA is registered with the ASF (Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, under no. 421751530, authorized for Life and Non-Life branches, verifiable at www.asf.com.pt. The insurance mediator does not assume risk coverage, does not have the power to enter into contracts on behalf of insurers, and is not authorized to receive premiums to be delivered to insurers. CRRF – BROKERAGE, LDA operates under the national brand "CrediSegur", registered with the INPI under no. 668183Health Plan vs. Health Insurance: What is the difference?
Health Plan:• Gives you access to a network of providers with negotiated prices• Does not cover major medical expenses• Does not work by reimbursement• Usually cheaper, but with limited coverage• Ideal for routine consultations and exams, with more controlled costs.
Health Insurance:• Covers medical expenses, surgeries and hospitalizations• Allows reimbursement outside the network• Offers financial protection in unexpected situations• More complete, but generally more expensive• The most suitable solution if you seek total security in case of unforeseen events.
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Quick access to private doctors and hospitals
Avoid long waiting lines
Urgent Consultations
General Practice Consultations
Specialty Consultations
Pediatrics
Dermatology
Ophthalmology
Psychology
Gynecology
Cardiology
Others
More
Exams, analyses, and medical treatments
Hospitalization/ Hospital Assistance
Home support
Dental Medicine
Optics
Hearing Aids
Pharmacies
How to choose the Health Plan or Health Insurance?
We help you!
01
Assessment of your profileConsider age, medical history, and the aspects that concern you most in terms of coverage. This way, we can understand what type of health plan or insurance best suits you and your family.
02
Compare coverages, exclusions, and waiting periodsCheck what is included: exams, consultations, surgeries, hospitalization, childbirth, dentistry, among others. It is also essential to understand what the waiting periods are to avoid surprises when you need to activate the insurance. For example, if you are thinking of having a child, an insurance policy with childbirth coverage should be contracted at least 1 year in advance. This way, you ensure that you can use this contracted coverage.
03
Check the network of providersConfirm hospitals, clinics, and doctors available in the network and if there are options near you. Even if you choose a professional outside the network, many insurances allow you to request a reimbursement, ensuring greater freedom of choice.
04
Consider the coverage limits per yearOpt for an insurance that offers a good balance between the premium amount and the level of protection. Additionally, check the annual usage limits and ensure they are suitable for your usual needs.
05
Evaluate additional servicesTeleconsultations, medications, preventive medicine, annual check-ups, psychological support, among other extras, can make all the difference in your daily life.
06
Specialized supportA specialized manager from CrediSegur negotiates for you with various insurers and helps you find the most comprehensive solution on the market at the best price, accompanying the entire process until the signing of the policy.
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4.9/5
It is an insurance that contributes to or reimburses medical expenses, such as consultations, exams, surgeries, and hospitalizations, helping to significantly reduce health costs.
Depending on the chosen plan, health insurance may include: Specialist consultations, Exams and complementary diagnostic methods, Hospitalization, Surgeries, Treatments and therapies.Coverage varies according to the contracted policy.
Yes. Most health insurance allows you to choose from a wide network of hospitals, clinics, and doctors, benefiting from agreed prices and more accessible options.
Generally, pre-existing conditions may have exclusions or limitations, depending on the policy conditions and the insurer's assessment.
Yes. In many coverages, there is a waiting period, which is the time that must elapse between the purchase of the insurance and the possibility of using certain coverages.
Yes. Many health insurances allow you to include a spouse and children, creating a protection solution for the whole family.
Health insurance includes coverages insured by an insurer and can contribute to medical expenses.A health plan usually only provides access to discounts within a network of providers.
The amount depends on various factors, such as: the age of the insured person, chosen coverages, insured capital, inclusion of family members.Each situation should be analyzed to find the most suitable solution.
In some cases, yes. Depending on the policy, there may be reimbursement for medical expenses incurred outside the network, upon presentation of an invoice.
The most important thing is to analyze the coverages, capitals, and needs of each person or family.A specialist can help compare solutions and find the most suitable insurance.
No. Our service is completely free for the client. Our fees are paid by financial institutions. We handle the entire process for you.
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