Insurer profile
Lusitania, Companhia de Seguros, S.A.
Lusitania, Companhia de Seguros, S.A. · Portugal
Overview
Lusitania is a Portuguese non-life insurer founded in 1986 as the first insurance company with 100% Portuguese capital, offering motor, home, health, accident, liability and travel insurance to individuals and businesses, and is part of the Montepio Group.
Source20
Products in this market
2
Offer pages
Company details
- Parent group
- Montepio Geral - Associação Mutualista
- Regulator
- Insurance and Pension Funds Supervisory Authority (ASF)
- Phone
- +351 210 407 510
- [email protected]
Products from Lusitania, Companhia de Seguros, S.A.
Motor3
Car Insurance
Motor insurance combining mandatory third-party liability with optional covers such as market value variation, pet transport protection and extra driver protection.
Motorcycle Insurance
Motorcycle insurance with Lusitania Moto Simples and Moto TOP options, including liability, legal protection, travel assistance and occupant protection.
Fleet/Business Car Insurance – Auto Mais
Business motor insurance solution for company vehicles and fleets, combining mandatory liability with optional covers.
Property3
Home Insurance – Casa Flexi
Flexible home multirisk insurance with over 40 covers for owners and tenants, adaptable to different needs including personal risks and home assistance.
Commercial Multirisk Insurance – Mercantile
Multirisk insurance for commercial premises covering fire, water damage, glass breakage and civil liability toward clients.
Industrial Multirisk Insurance
Multirisk insurance for industrial businesses covering buildings, equipment, goods and directors' and officers' liability.
Health7
Health Insurance Pleno (Individuals)
Health insurance with direct access to a private healthcare provider network across the country, with several subscription options.
Health Insurance Livre (Individuals)
Free-choice health insurance allowing the client to select doctors and clinics with reimbursement, including second medical opinion for serious illness.
Health Insurance Pleno (Businesses)
Corporate health insurance with direct access to a private healthcare network, offering three subscription tiers.
Health Insurance Livre (Businesses)
Corporate free-choice health insurance with reimbursement and access to second medical opinion for serious illness.
Health Card Viva / Viva+
Health card products offering broader and more accessible access to healthcare services at competitive prices.
Dental Health Insurance
Dental care insurance giving access to a specialized network of stomatology providers for the policyholder and family.
Ophthalmology Insurance
Health insurance giving access to a specialized ophthalmology care network without medical formalities.
Accident3
Personal Accident Insurance
Personal accident insurance covering death, permanent disability, hospitalization benefits and bone fracture indemnities.
Work Accident Insurance – Employee (Conta Outrem)
Mandatory work accident insurance transferring the legal liability for accidents suffered by employees to the insurer.
Work Accident Insurance – Self-Employed
Mandatory work accident insurance for self-employed professionals or sole proprietors, transferring legal liability for occupational accidents.
Regulatory updates
In 2026, Montepio Geral mandated Société Générale to explore a partial or total sale of the Lusitania insurers amid market interest from groups including France's CNP Assurances; however, by July 2026 Montepio officially denied hiring Société Générale or receiving a formal purchase proposal from CNP, and the sale process did not proceed, reportedly due to opposition to a bancassurance arrangement. Separately, Lusitania Vida notified the ASF and EIOPA of its intention to provide services in several EU member states under freedom of services from its Portuguese base. The ASF also issued updated market conduct rules (Regulatory Standard 12/2024-R and related 2026 decree-law) affecting health information handling in insurance linked to credit contracts, which Lusitania has incorporated into its market conduct disclosures.
Reputation and reviews
Offer pages
Motor third-party liability
motor third-party liability insurance from Lusitania for the Portugal market, with 24/7 assistance.
Last verified Aug 26, 2026
Travel insurance
travel insurance from Lusitania for the Portugal market, with online purchase.
Last verified Aug 26, 2026