Insurer profile
Real Vida Seguros, S.A.
Real Vida Seguros, S.A. · Portugal
Overview
Real Vida Seguros, S.A. is an independent Portuguese insurance company founded in 1989 in Porto, specialising in life, health, personal accident insurance, savings/financial products and pension funds. Acquired outright by Patris Investimentos in September 2013, it operates without a bancassurance channel and closed 2025 with production exceeding €414 million and net income above €12 million, consolidating its place among the ten largest insurers in Portugal and reaching third place nationally in the unit-linked-excluded life segment.
Source17
Products in this market
Company details
- Parent group
- Patris Investimentos, SGPS, S.A.
- Regulator
- Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) — registration number 1029
- Phone
- +351 220 410 700
- [email protected]
Products from Real Vida Seguros, S.A.
Health8
Real Health Insurance
Comprehensive health insurance offering access to an extensive medical network for consultations, exams and hospitalisations, plus online psychology/psychiatry consultations and family adhesion discounts.
Real Unique Health Insurance
Affordable health insurance with no age or permanence limit, giving access to the AdvanceCare Rede Essencial network, a daily hospitalisation subsidy of €25, dental network access and 24/7 online/home medical services.
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.
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.
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.
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.
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.
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.
Life5
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.
Real Full Life Insurance
Comprehensive personal life insurance covering death, disability, critical illness and hospitalisation, including a precision medicine service for oncological conditions.
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.
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.
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.
Financial4
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.
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.
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.
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
The ASF lists Real Vida Seguros, S.A. (registration nº 1029) among the insurers that comply with Recommendations nº 1/2025 of 8 April 2025 on good practices for companies operating in the health insurance segment, and separately among 27 insurers that comply with ASF recommendations on clearly differentiating health insurance contracts from health plans, information reported to the ASF in May 2025. The company also appears in the ASF's published list of insurers subject to Provedor (client ombudsman) recommendations. Financially, Patris Investimentos' 2025 consolidated report shows Real Vida Seguros, 100%-owned by Patris, maintained a solvency margin above 200% while continuing to gain market share in the life segment.
