Insurer profile
Real Vida Seguros, S.A.
Real Vida Seguros, S.A. is an independent Portuguese insurance company founded in 1989, specialising in life, health, personal accident insurance and pension funds. Acquired by Patris Investimentos in 2013, it forms part of a financial group focused on asset management, savings, investments and brokerage. It ranked 6th in the Portuguese life insurance market in 2024 and has been recognised as Best Life Insurer in 2023 and 2024.
Source- Legal entity
- Real Vida Seguros, S.A.
- Headquarters
- Porto, Portugal
- Parent group
- Patris Investimentos
- Regulator
- Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) — registration number 1029
- Phone
- +351 220 410 700
- info.clientes@realvidaseguros.pt
- Last verified
- May 15, 2026
Products from Real Vida Seguros, S.A.
life
Real Home Life Insurance
Life insurance linked to a mortgage loan that guarantees payment of the outstanding capital to the lender in the event of death or permanent disability of the insured.
life
Real Full Life Insurance
Comprehensive personal life insurance covering death, disability, critical illness and hospitalisation, including a precision medicine service for oncological conditions.
life
Real Financing Insurance
Life insurance associated with non-mortgage credit facilities, covering the risk of death and disability due to illness or accident so that outstanding credit is repaid.
health
Real Health Insurance
Comprehensive health insurance providing access to an extensive AdvanceCare medical network for consultations, exams and hospitalisations, with optional dental and mental health coverage.
health
Real Unique Health Insurance
Affordable health insurance offering access to the AdvanceCare Rede Essencial network with no age or permanence limit, a daily hospitalisation subsidy and online/home medical services.
health
Real Global Personal Accident Insurance
Worldwide personal accident insurance covering death or permanent disability from €25,000 to €250,000, with treatment expenses, daily hospitalisation subsidy and optional extreme sports coverage.
health
Real Vida Accident Hospitalisation Insurance
Personal accident insurance that pays a daily subsidy for hospital stays due to accidents, with three coverage plans and a capital payment in case of death or permanent disability.
health
Real Vida Disease Hospitalisation Insurance
Personal insurance that provides a daily subsidy in the event of hospitalisation due to illness, helping to offset loss of income during inpatient stays.
health
Real Vida Accident Incapacity Insurance
Insurance providing a monthly subsidy in the event of temporary total incapacity due to an accident, with three coverage plans and capital for death or permanent disability.
health
Real Vida Disease Incapacity Insurance
Insurance offering a monthly income subsidy in the event of temporary total incapacity caused by illness, ensuring financial stability during recovery.
health
Accident and Disease Protection Plan
Combined accident and disease protection plan with four complementary coverage options guaranteeing protection in cases of incapacity or hospitalisation due to accident or illness, with access to the RNA Medical health card.
life
PPR Real Vida Capital Protected (Retirement Savings Plan)
A medium-to-long term retirement savings plan (PPR) with guaranteed capital and stable returns, offering tax benefits and no early redemption fees after the second year.
life
PPR Super Yield Series 7 (Retirement Savings Plan)
A conservative-profile PPR savings plan with a guaranteed annual return indexed to 70% of the 12-month Euribor rate, offering a minimum guaranteed rate and tax advantages.
financial
Real Vida Capital Protected (Capitalisation Insurance)
A capitalisation savings product with guaranteed capital and attractive returns, designed for investors seeking medium-to-long term savings with low risk.
financial
Open Individual Pension Funds (Real Reforma range)
Open pension funds for individual or collective membership including Real Reforma Jovem, Real Reforma Activa, Real Reforma Sénior and Real Reforma Garantida, covering different risk profiles and retirement savings objectives.
financial
Open Collective Pension Funds
Corporate open pension funds for collective membership, allowing employers to establish defined-contribution pension plans adapted to the financial capacity and retirement objectives of their workforce.
financial
Closed Pension Funds
Closed pension funds promoted by one or more sponsors with a common bond (corporate, associative or professional), managed by Real Vida Seguros as authorised pension fund manager.
Regulatory updates
Real Vida Seguros (ASF nº 1029) is listed by the ASF as compliant with Recommendations nº 1/2025 of 8 April 2025, which relate to good practices for insurance companies operating in the health insurance segment. The company is an active, fully authorised insurer supervised by the ASF for life, health, personal accident and pension fund activities.