Insurer profile
Zurich Insurance Europe AG, Branch in Portugal
Zurich Insurance Europe AG, Branch in Portugal, is part of the Zurich Insurance Group, one of the world's leading multi-line insurers. Present in Portugal since 1918, it offers a comprehensive range of life and non-life insurance solutions for individuals, SMEs, large enterprises, and multinationals, with over 800 points of contact across the country.
Source- Legal entity
- Zurich Insurance Europe AG, Branch in Portugal
- Headquarters
- Lisbon, Portugal
- Parent group
- Zurich Insurance Group Ltd
- Regulator
- Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) – Insurance and Pension Funds Supervisory Authority
- Phone
- +351 707 200 160
- zurich.helppoint.portugal@zurich.com
- Last verified
- May 2, 2026
Products from Zurich Insurance Europe AG, Branch in Portugal
motor
Zurich Auto – Third-Party Liability Motor Insurance
Mandatory motor third-party liability insurance covering material and bodily damage caused to third parties, with optional capital extension up to 50 million euros.
motor
Zurich Auto – Comprehensive Motor Insurance
Comprehensive own-damage motor insurance covering accidents, theft, fire, vandalism, natural catastrophes, terrorism, and strikes, for private cars and light commercial vehicles.
motor
Zurich Auto – Electric Vehicles Insurance
Motor insurance specifically designed for electric vehicles, offering robust comprehensive protection tailored to the needs of EV owners.
motor
Zurich Auto – Motorhomes and Caravans Insurance
Comprehensive motor insurance for motorhomes and caravans, providing robust coverage for leisure vehicle owners.
property
Zurich Lar Flex – Home Multi-Risk Insurance
Flexible multi-risk home insurance for owners and tenants, covering fire, theft, natural events, and damage, with personalised coverage options.
health
Zurich Saúde – Health Insurance
Comprehensive health insurance providing access to a wide network of clinics and hospitals, covering consultations, exams, hospital treatments, and additional health services.
health
Zurich Sorridente – Dental Insurance
Dental insurance covering stomatology, orthodontics, and oral health consultations, available for individuals and families.
health
Zurich Saúde Empresas – Corporate Health Insurance
Corporate health insurance with adjustable coverage plans for businesses, including access to top clinics, hospitals, and a dedicated company doctor service.
health
Zurich Sorridente Grupo – Corporate Dental Insurance
Group dental insurance for companies, covering oral health care for employees.
other
Zurich Acidentes Pessoais – Personal Accident Insurance
Personal accident insurance covering death, permanent disability, and medical expenses resulting from accidents, for individuals and families.
other
Zurich Trabalhador Independente – Workers' Accident Insurance for Self-Employed
Mandatory workers' accident insurance for self-employed individuals, covering occupational accidents and their consequences.
other
Zurich Acidentes de Trabalho – Workers' Accident Insurance (Employer)
Mandatory workers' accident insurance for employers covering all employees, including managers and directors, against occupational accidents.
travel
Zurich Viagens – Travel Insurance
Travel insurance covering medical expenses abroad, trip cancellation, death or permanent disability during travel, and emergency assistance services.
travel
Zurich Ciclista – Cyclist Sports Insurance
Sports and leisure insurance for cyclists, providing robust personal protection for cycling activities.
travel
Zurich Náutica – Nautical Sports Insurance
Sports insurance for nautical and water activities, offering flexible personal protection for maritime leisure.
life
Zurich Vida Risco Flex – Term Life Insurance
Term life insurance protecting against death, permanent disability, temporary incapacity, and critical illness.
life
Crédito Habitação Zurich Pleno – Mortgage Life Protection
Life insurance linked to a mortgage loan, protecting the family against death or disability that could prevent repayment of the outstanding mortgage balance.
life
Proteção Plena Zurich – Life Protection Insurance
Life protection insurance offering comprehensive coverage for the policyholder's family in the event of death or permanent disability.
financial
Zurich PPR Futuro – Pension Savings Plan (PPR)
Retirement savings plan (PPR) combining life insurance with investment, allowing savings accumulation for retirement with tax advantages and flexible contribution options.
liability
Zurich Responsabilidade Civil – Personal Liability Insurance
Personal liability insurance covering individuals and families against third-party claims for bodily injury or property damage caused unintentionally.
property
Zurich Multirriscos Empresas – Commercial Multi-Risk Insurance
Commercial multi-risk insurance protecting businesses against property damage, financial losses, and third-party liabilities including fire, theft, and natural events.
liability
Zurich Responsabilidade Civil Empresas – Commercial Liability Insurance
Commercial liability insurance for businesses covering third-party claims arising from buildings, contents, machinery, land, and employee activities.
other
Zurich Acidentes Pessoais Empresas – Corporate Personal Accident Insurance
Corporate personal accident insurance covering employees worldwide for death, permanent disability, and medical expenses resulting from accidents.
life
Zurich Vida Empresas – Corporate Life Insurance
Corporate life insurance solutions including term life risk (covering death, permanent disability, temporary incapacity, and critical illness) and savings/investment options for employee retirement supplements.
Regulatory updates
Zurich Insurance Europe AG, Branch in Portugal is supervised by the ASF and listed on its official register. In February 2024, ASF confirmed the legal compliance of Zurich's mandatory workers' accident insurance products (for independent and employed workers). In February 2025, ASF registered a change to the supervisory board of Zurich – Companhia de Seguros Vida, S.A. In April 2025, Zurich Insurance Europe AG (ZIE), Sucursal em Portugal was referenced in ASF's authorisations and registrations bulletin. Broader ASF regulatory updates in 2025 include transposition of EU Directive 2021/2118 on mandatory motor liability insurance (Decreto-Lei n.º 26/2025), ASF Recommendations n.º 1/2025 on health insurance vs. health plans differentiation, and ASF Recommendations n.º 2/2025 on home multi-risk claims settlement deadlines.