Healthcare Must-Knows for Expats Moving to Portugal
Moving to Portugal is an exciting step, offering a great lifestyle, good weather and a high quality of life. But one thing you’ll need to sort out early on is healthcare. Along with finding the perfect home, securing access to healthcare is a key part of settling in. Knowing how the system works and what options are available to you will make the transition easier and ensure you get the care you need when you need it.
With over 1 million foreign residents calling Portugal home, making up roughly 10% of the country’s population according to Portugal’s National Institute of Statistics 2023 report, that number has likely grown even more in 2025, increasing the demand for healthcare.
Since healthcare facilities vary by region, knowing your options can also influence your decision on choosing where to live.
Overview of Portugal’s Healthcare System
Portugal has a well-developed healthcare system that includes both public and private sectors. The Serviço Nacional de Saúde (SNS) provides universal healthcare to residents, offering affordable medical care. However, many expats opt for private healthcare for faster appointments, English-speaking doctors and specialised treatment options. If healthcare access is a top priority, choosing a home near quality medical facilities is worth considering.
Public Healthcare for Expats
Expats who become legal residents can typically access the SNS, though registration with the local health centre (Centro de Saúde) is required. While many services are free or low-cost, certain treatments and prescriptions require co-payments.
How to Register:
- Obtain a NIF (Número de Identificação Fiscal) for tax purposes.
- Register as a resident with SEF (now transitioning to AIMA since 2023).
- Enrol at the local Centro de Saúde with proof of residence and identification.
Private Healthcare Options
Private healthcare is widely available in Portugal, offering faster appointments and more specialised care. Many expats choose private health insurance, which covers hospital stays, specialist visits and diagnostic tests. Premiums vary based on age and coverage level, but private healthcare is often more affordable than in other European countries.
Health Insurance for Expats
Having private health insurance can be beneficial, particularly for those who do not yet qualify for SNS coverage. International insurance providers and local Portuguese insurers offer a range of plans tailored to expats.
When selecting insurance, consider:
- Coverage for hospital stays and specialist consultations.
- Whether it includes dental and vision care.
- Emergency medical evacuation options.
Pharmacies and Medication Access
Pharmacies (farmácias) are easily accessible in Portugal, with many open late or providing 24-hour service in larger cities. Prescription medications are typically subsidised under SNS, making them more affordable for residents. Expats relying on specific medications should check availability and costs before moving.
Healthcare Considerations for Retirees
Portugal is a popular destination for retirees, many of whom choose private healthcare for comfort and efficiency. The D7 visa allows non-EU retirees to reside in Portugal, but they must show proof of health insurance until they gain access to SNS.
Best Areas for Retirees Seeking Quality Healthcare:
- Lagos – A popular choice for expats, Lagos has both public and private healthcare options. The local hospital provides essential services, while private clinics offer faster access to specialists.
- Faro – As the Algarve’s capital, Faro is home to one of the region’s largest hospitals, offering comprehensive medical care. Private healthcare facilities are also widely available, making it a convenient choice for retirees.
- Albufeira & Portimão – Both cities have well-equipped medical centres and specialists, making them excellent choices for those who want to be near quality healthcare without living in a major city.
Choosing a Home in Portugal Near Top Healthcare Facilities?
For expats and retirees, proximity to quality healthcare can be a deciding factor when choosing a home. Lagos and other key areas in the Algarve offer easy access to both public hospitals and private clinics, making them ideal locations for those who prioritise healthcare.If you’re eyeing a move to Lagos and want to find a home in an area with excellent medical facilities, B&P Real Estate can help you explore properties that match your lifestyle needs. Investing in the right location ensures not only a comfortable home but also peace of mind when it comes to healthcare access.
