Health Insurance
Fast access to private doctors and hospitals.
4.9/5 Google
Protection tailored to youAppointments, exams, surgeries and therapies, with coverage amounts, age limits, waiting periods and exclusions defined in each policy.
Several insurersWe present you health insurance proposals from the insurers we work with and explain the differences in coverage and price.
All done remotelyYou submit your request online and a manager supports you by phone or email all the way through to the policy being issued by the insurer.
Health plan vs. health insurance: what’s 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.
Fast access to private doctors and hospitals
Avoid long waiting lines- Urgent care appointments
- General practice appointments
Specialist appointments
- Pediatrics
- Dermatology
- Ophthalmology
- Psychology
- Gynecology
- Cardiology
- Others
Other services included
- Medical exams, tests and treatments
- Hospitalization/hospital care
- Home care support
- Dental care
- Opticians
- Hearing aids
- Pharmacies
How to choose a health plan or health insurance?
We’ll help you!
We take into account your age, your medical history and the aspects you’re most concerned about in terms of coverage. This way, we can understand which type of health plan or health insurance best suits you and your family.
Check what’s included: exams, consultations, surgeries, hospitalization, childbirth, dentistry, among others. It’s also essential to understand what the waiting periods are so you can avoid surprises when you need to activate the insurance. For example, if you’re thinking about having a child, insurance with childbirth coverage should be taken out at least one year in advance. This way, you ensure you can use this coverage you’ve taken out.
Confirm the hospitals, clinics and doctors available in the network and whether there are options close to you. Even if you choose a professional outside the network, many insurance policies allow you to request reimbursement, giving you greater freedom of choice.
Choose insurance that offers a good balance between the premium amount and the level of protection. Also check the annual usage limits and make sure they’re appropriate for your usual needs.
Teleconsultations, medication, preventive medicine, annual check-ups, psychological support, among other extras, can make all the difference in your day-to-day life.
A CrediSegur manager will present you with proposals from the insurers we work with, explain the coverage, exclusions and waiting periods of each one, and follow the process through to the issuance of the policy.
Illustrative exampleHealth insurance
Cláudia protected her family’s health, with faster access to medical care
In this example, she took out a family plan with an agreed network, for herself and her two childrenCláudia is a fictional character, created for illustrative purposes — she does not represent a real case.
Simulation — Family Plan (example)€62.00Monthly premium
Before you subscribe: admission is subject to a medical questionnaire and may include exclusions or loadings for pre-existing conditions; some coverages (e.g. childbirth, certain surgeries) have an initial waiting period; consultations, exams and hospital stays within the agreed network have co-payments, and outside the network partial reimbursement applies, according to the plan.
Simulation — Family Plan (example)Illustrative values — the actual premium varies according to the age and health status of each policyholder, determined after the medical questionnaire.
Policyholders
1 adult + 2 children
Annual capital (example)
€15,000.00
Network
Agreed network + reimbursement
Waiting period (example)
to be confirmed
Monthly premium
€62.00
Annual premium (equivalent)
€744.00
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What people say about us
See all reviews on GoogleReviews published by users on Google; CrediSegur does not verify whether the author is a client.
It’s insurance that co-pays or reimburses medical expenses, such as consultations, exams, surgeries and hospitalizations, helping to significantly reduce healthcare costs.
Depending on the plan chosen, health insurance may include: Specialist consultations, Exams and diagnostic tests, Hospitalization, Surgeries, Treatments and therapies.Coverage varies according to the policy taken out.
Yes. Most health insurance policies let you choose from a wide network of hospitals, clinics and doctors, benefiting from agreed and more affordable prices.
As a rule, pre-existing conditions may be subject to exclusions or limitations, depending on the policy terms and the insurer’s assessment.
Yes. For many coverages there is a waiting period, which is the time that must pass between taking out the insurance and being able to use certain coverages.
Yes. Many health insurance policies allow you to include your spouse and children, creating a protection solution for the whole family.
Health insurance includes coverages provided by an insurance company and can co-fund medical expenses.A health plan usually only gives access to discounts within a provider network.
The price depends on several factors, such as: age of the insured person, chosen coverages, insured capital, inclusion of family members.Each situation must be analyzed to find the most suitable solution.
In some cases, yes. Depending on the policy, there may be reimbursement of medical expenses incurred outside the network, upon presentation of an invoice.
The most important thing is to assess the coverages, capital and needs of each person or family.An insurance manager can help compare options and find the most suitable insurance.
You don’t pay anything for our mediation service. CrediSegur is an insurance agent and is paid by the insurer, through a commission included in the premium, only if you take out the policy; you can ask us for the amount of that remuneration. We follow the process through to the issuance of the policy.
No brokerage fees for you