D7 Visa Insurance Guide
Travel & Health Insurance Requirements for Portugal's D7 Passive Income Visa
Travel Insurance Requirements
When applying for Portugal's D7 passive income visa, you must have travel insurance that covers your initial entry into Portugal and the entire Schengen Area. Here are the key points:
- Coverage Area: Your insurance must cover all 29 Schengen countries, not just Portugal
- Minimum Coverage: €30,000 for medical emergencies and repatriation
- Duration: Must cover your entire initial stay until you receive your residence permit
- Accepted Proof: You'll need to provide a certificate of insurance with your visa application
Important Note: Basic travel insurance that only covers Portugal will be insufficient for your visa application. Make sure your policy explicitly states coverage for the entire Schengen Area.
Health Insurance Requirements
Once in Portugal, you'll need comprehensive health insurance. While the Portuguese National Health Service (SNS) is available to legal residents, private health insurance offers significant advantages:
- No Waiting Periods: Immediate access to specialists and treatments
- Broader Provider Network: Access to private hospitals and clinics
- Coverage Options: Customizable plans based on your specific health needs
- English-Speaking Services: Many private providers offer English support
Insurance Considerations by Age and Health Status
- Age Factors: Premium costs typically increase with age
- Pre-existing Conditions: Disclose all health conditions when applying for insurance
- Coverage Limits: Check for annual and lifetime maximums
- Prescription Coverage: Some policies have limited medication coverage
Recommended Provider
Based on group experience, Winsurance (https://www.winsurance.pt/) has provided excellent service to our members:
- Responsive customer support (Helena has been particularly helpful)
- Competitive rates for D7 visa applicants
- Clear policy documentation for visa applications
Why Private Health Insurance Matters
Many members report being happier with private health coverage because:
- Portuguese public healthcare can have waiting lists for non-emergency procedures
- As we age, prompt medical attention becomes increasingly important
- Private insurance often includes services not covered by the public system
Next Steps
- Request quotes from multiple providers
- Ensure your travel insurance specifically mentions "Schengen coverage"
- Verify that your health insurance meets the minimum requirements for the D7 visa
- Keep digital and physical copies of all insurance documentation for your application
This guide was created for members of the Move to Portugal D7 Visa Facebook Group. Information is based on member experiences and may need verification for your specific situation.
