Student Visa holders should review and select a comprehensive health insurance plan that covers medical care, emergency evacuation, repatriation, and pre-existing conditions for peace of mind while studying abroad.
As a student visa holder in Portugal, you are required to have health insurance that covers your medical needs for the entire duration of your stay. This is a crucial requirement both for obtaining your visa and maintaining your legal status in the country. Here’s what you need to know:
1. Mandatory Health Insurance Coverage
- Private Health Insurance: International students from non-EU/EEA countries are typically required to obtain private health insurance that provides comprehensive coverage for medical expenses in Portugal. This insurance must cover hospitalization, emergencies, and routine medical care.
- European Health Insurance Card (EHIC): If you are a student from an EU/EEA country, you may use your European Health Insurance Card (EHIC) to access public healthcare services in Portugal. The EHIC covers most medical treatments, but you should check if additional private insurance is recommended for more comprehensive coverage.
2. Insurance Requirements for Visa Application
- Proof of Insurance: When applying for your student visa, you must provide proof of valid health insurance coverage. This proof can be a policy certificate from a private insurer or a letter confirming your EHIC coverage for EU/EEA students. The insurance policy should clearly state that it covers your entire stay in Portugal.
- Coverage Limits: Ensure that your insurance policy meets the minimum coverage requirements set by Portuguese immigration authorities. Typically, the policy should cover at least €30,000 in medical expenses, including emergency medical evacuation and repatriation.
3. Options for Health Insurance
- University-Provided Insurance: Some Portuguese universities offer health insurance plans for international students. These plans are often designed to meet the visa requirements and provide a convenient option for students who prefer not to purchase insurance independently.
- Private Insurance Providers: Numerous private insurance companies offer plans tailored to international students. When choosing a plan, make sure it covers all necessary medical services and complies with the requirements for your student visa.
4. Using Public Healthcare in Portugal
- Access to Public Healthcare: If you have private insurance, you may still use public healthcare services in Portugal, but you will generally be required to pay out-of-pocket, which your insurance can then reimburse, depending on your policy. EU/EEA students with an EHIC can access public healthcare services at a reduced cost or sometimes for free.
- Supplementary Insurance: Even if you have access to public healthcare, you may want to consider supplementary private insurance to cover services that are not included or to provide faster access to treatment.
5. Renewing Health Insurance
- Continuous Coverage: Your health insurance must remain valid for the entire duration of your stay in Portugal. If your initial policy expires before the end of your studies, you will need to renew it and provide updated proof of coverage when renewing your student visa or residence permit.
Summary
As a student visa holder in Portugal, you must have valid health insurance that covers your entire stay. Non-EU/EEA students typically need private health insurance, while EU/EEA students can use their EHIC. The insurance must meet minimum coverage requirements, and proof of this coverage is necessary for your visa application. Continuous coverage is mandatory, so ensure your policy is renewed as needed throughout your studies.