IMG Global Health Insurance in Portugal

IMG Global in Portugal

IMG Global offers a budget-friendly path to international health insurance for expats in Portugal. While not as well-known as Cigna or BUPA, IMG provides solid coverage at lower price points, making it attractive for cost-conscious D7 and D8 visa holders.

The key value proposition: IMG's high-deductible options and 50% deductible waiver for treatment outside the US make it one of the most affordable international insurance options for Portugal-based expats.

D7 & D8 Visa Compliance

IMG Global is generally accepted for Portuguese visa applications, though it's less commonly used than Cigna or Allianz. Verify acceptance with your specific consulate.

Stage 1: Consulate Application

For D7 (passive income) or D8 (digital nomad) visa applications:

• Minimum €30,000 coverage (IMG Global Medical Insurance exceeds this)
• Valid in Portugal/Schengen Area
• At least 1 year duration

IMG's Global Medical Insurance meets Schengen requirements with coverage up to $8M annual maximum.

Stage 2: AIMA Residency

For AIMA appointments, travel insurance is rejected. IMG Global Medical Insurance qualifies because it's:

• Long-term health insurance (not travel insurance)
• 12-month renewable terms
• Comprehensive inpatient and outpatient coverage

Network Coverage in Portugal

IMG has a smaller network in Portugal compared to premium competitors. Most expats use the reimbursement model: pay providers directly, then submit claims for reimbursement.

How It Works in Practice

• Any licensed provider: See any doctor or hospital in Portugal
• Pay at time of service: Pay the provider with your card or cash
• Submit for reimbursement: Upload receipt via IMG app or portal
• Fast processing: Typical reimbursement in 5-10 business days

This works well in Portugal because:

• Healthcare costs are affordable (GP €30-50, specialist €60-100)
• Portuguese providers issue detailed receipts (facturas)
• You have complete freedom of provider choice

Emergency Care

For emergencies, go to the nearest hospital. IMG covers emergency care at any facility. Contact IMG's 24/7 assistance line for help with hospital admission or if you need medical evacuation.

Plans and Pricing

IMG Global offers Global Medical Insurance with flexible deductible options:

Prices for worldwide coverage excluding USA. Lower prices than many competitors due to IMG's focus on value.

The 50% Deductible Waiver

IMG's standout feature: if you choose a deductible and receive treatment outside the US, your deductible is reduced by 50%. In Portugal:

• €5,000 deductible becomes €2,500 effective deductible
• €2,500 deductible becomes €1,250 effective deductible
• Combined with affordable Portuguese healthcare, this makes high-deductible plans very practical

Savings Comparison

Coverage Highlights

• Annual maximum: Up to $8M
• Inpatient: Hospital, surgery, ICU fully covered
• Outpatient: Doctor visits, labs, imaging
• Emergency evacuation: Up to $500K
• Maternity: Available after waiting period
• Mental health: Included (verify limits)

vs Portuguese Insurers

How does IMG Global compare to Portuguese insurance companies?

Choose IMG Global If:

• Budget is a major consideration
• You're comfortable with reimbursement model
• High-deductible strategy appeals to you
• You travel outside Portugal and want worldwide coverage
• You might relocate from Portugal
• Maximum coverage limits matter (up to $8M)

Choose a Portuguese Insurer If:

• You want direct billing at local hospitals
• Extensive local network is important
• You prefer Portuguese-language processes
• You're staying in Portugal permanently
• You plan to transition to SNS

Choose a Premium International Insurer If:

• You want larger Portuguese networks
• Direct billing is important to you
• You have significant pre-existing conditions
• Mental health parity is essential

See all Portugal insurance options →

Using Your Insurance in Portugal

Reimbursement Process

1. See any licensed provider in Portugal
2. Pay at time of service (get detailed factura)
3. Submit claim via IMG app or online portal
4. Processing typically 5-10 business days
5. Reimbursement to your bank account

Documentation Tips

• Portuguese facturas are accepted without translation
• Keep itemized receipts (not just credit card receipts)
• Include diagnosis codes when available
• Submit promptly (within 90 days)

IMG MyIMG App

The IMG app lets you:

• Submit claims with photo upload
• Track claim status
• Access your digital ID card
• Contact 24/7 assistance

24/7 Support

IMG offers round-the-clock assistance for emergencies, hospital coordination, and general support. Available in English with translation services.

Who Should Choose IMG in Portugal

Common Questions

Is IMG Global accepted at AIMA?

Generally yes, as IMG Global Medical Insurance is long-term health insurance (not travel insurance) with comprehensive coverage. However, confirm with your consulate before purchasing, as IMG is less commonly used for Portuguese visas than larger insurers.

How does the 50% deductible waiver work?

When you receive treatment outside the US, your deductible is automatically reduced by 50%. If you chose a $5,000 deductible, you only need to meet $2,500 in Portugal before coverage kicks in. This happens automatically — no need to request it.

Can I use IMG Global with SNS?

Yes. Once you have your SNS number (Número de Utente), you can use public healthcare for routine care and keep IMG for emergencies, private care, or coverage outside Portugal.

What if I need hospitalization?

Go to any hospital. Contact IMG's assistance line — they can help coordinate with the hospital, arrange direct payment for large expenses, and provide support throughout your stay.

Does IMG cover pre-existing conditions?

IMG typically excludes pre-existing conditions or applies waiting periods. If you have significant health conditions, consider BUPA Global or Cigna which may offer more favorable handling.

How does IMG compare to SafetyWing?

SafetyWing is travel insurance for nomads; IMG Global Medical Insurance is comprehensive international health insurance. SafetyWing won't be accepted at AIMA for residency. IMG is actual health insurance that meets visa requirements.