Chubb European Group SE - Portugal Branch
Chubb
Chubb is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
If hospitalized abroad, Chubb Assistance will contact the hospital or attending doctors and may guarantee direct payment of fees, so the insured does not have to pay from their own funds; the insured is only responsible for costs outside a valid claim.
Geographic scope
Worldwide, except Cuba and any territory subject to applicable sanctions
Cover applies only to travel outside Portugal ('Estrangeiro'); the insured trip must have a return flight booked before departure. Insured persons must be permanent residents of Portugal and physically in Portugal at the time of purchase.
Unique selling points
- 24/7 assistance and cover worldwide, everywhere except Cuba, every day of the year.
- Flexibility to choose your own coverage level and price to build a travel insurance policy tailored to your trip.
- A single payment can cover the policyholder together with travel companions and family members.
- Designed to reassure the whole family, whether travelling for business or leisure.
Coverage limits
Medical Expenses
€250,000
Covers reasonable, medically necessary costs incurred outside Portugal for hospital treatment, ambulance transport, or other diagnosis/corrective treatment prescribed by a doctor, up to €250,000 per insured person, subject to a €50 deductible per section.
Emergency Medical Treatment
€250,000
Emergency medical treatment abroad is covered under the combined Medical Expenses & Emergency Repatriation limit of €250,000 (Secção 2.A.i-ii of the policy).
Hospital Cash Benefit
€750
A daily cash indemnity of €15 for each complete 24-hour period as an inpatient abroad, up to a maximum of €750, paid in addition to the Medical Expenses benefit. No deductible applies to this section.
Outpatient Treatment
€250,000
Outpatient/ambulatory diagnosis and corrective treatment abroad is included within the overall Medical Expenses limit of €250,000; there is no separate sub-limit for outpatient care.
Emergency Dental Treatment
€250
Covers medically necessary and reasonable emergency dental treatment costs abroad, solely for pain relief, up to €250.
Medical Transport
€250,000
Ambulance/medical transport necessary for treatment is covered within the combined €250,000 Medical Expenses & Emergency Repatriation limit; no separate sub-limit applies.
Medical Evacuation / Emergency Repatriation
€250,000
Covers reasonable, medically necessary costs for repatriation to Portugal (home or to a more suitable hospital) organized by Chubb Assistance, within the combined €250,000 Medical Expenses & Emergency Repatriation limit.
Repatriation of Remains
€5,000
If the insured person dies abroad, covers cremation/funeral charges in the country of death or transport charges to repatriate the body or ashes to Portugal, up to €5,000.
Search and Rescue
No limit stated
No dedicated search and rescue benefit is stated in the policy wording reviewed.
COVID-19 Treatment
No limit stated
No specific COVID-19 or communicable disease benefit is mentioned in this policy wording; standard medical expenses cover would apply to sudden illness generally, subject to exclusions.
Pre-existing Medical Conditions
Excluded
The policy explicitly does not cover any pre-existing illness and/or medical condition diagnosed, treated, or requiring hospital/outpatient care at any time before the trip was booked (or start of the policy period, if later).
Winter Sports Cover
Excluded
Trips where winter sports are the main purpose of travel are excluded from the policy, and defined 'Desportos de Inverno' activities (skiing, snowboarding, bobsleigh, etc.) do not appear on the closed list of covered leisure activities.
Adventure/Leisure Sports Cover
Covered
The insured is automatically covered while participating recreationally in any activity on the policy's closed list (e.g. scuba diving up to 18m with a qualified instructor, paragliding, karting with a helmet, motorcycling up to 125cc with a full licence), subject to using safety equipment and not competing professionally. Any activity not on the list is not covered.
Pregnancy Complications
€250,000
Pregnancy complications diagnosed as an emergency by an obstetrician are covered within the €250,000 Medical Expenses limit, but if travelling between weeks 24-28 of pregnancy the insured must obtain written medical confirmation of fitness to travel issued no more than 5 days before departure abroad; any complication already known before the trip started is excluded.
Personal Liability
€1,000,000
Covers amounts the insured is legally liable to pay as compensation for accidental bodily injury or property damage to third parties during the trip, up to €1,000,000, subject to a €50 deductible and standard exclusions (own property, vehicles, aircraft, watercraft, firearms, family members, employees).
Legal Expenses Abroad
€10,000
Covers legal costs and expenses of pursuing a claim for compensation against a third party who accidentally caused bodily injury or illness to the insured during the trip, up to €10,000, with no deductible.
24/7 Travel Assistance
Covered
Chubb Assistance provides a dedicated helpline (+351 21 440 2426) available 24 hours a day, 365 days a year, for medical emergencies abroad, hospital payment guarantee, repatriation coordination, emergency fund transfers, message relay, and legal/translation referrals.
Key conditions
Assistance call deadline
In case of hospitalization or medical emergency abroad, Chubb Assistance must be contacted immediately; for all other claims, the insurer must be notified as soon as reasonably possible and within 30 days of becoming aware of anything likely to result in a claim.
Unauthorized treatment
If Chubb Assistance is not contacted before incurring hospitalization/emergency treatment expenses, the insurer may, to the extent legally permitted, reduce the benefit payable on the claim.
Purchase while abroad
The policy cannot be purchased while abroad: all insured persons must be permanent residents of Portugal and physically located in Portugal at the date the policy is bought.
Chronic conditions
Chronic conditions are treated as pre-existing medical conditions and are excluded if they had been diagnosed, treated, or required hospital/outpatient care before the trip was booked or the policy period began.
Pregnancy
Pregnancy-related emergencies diagnosed by an obstetrician are covered, but travel between weeks 24-28 requires written medical confirmation of fitness to travel dated no more than 5 days before departure; complications known before the trip started are excluded.
Pre-existing condition exclusions
Any pre-existing illness or medical condition diagnosed, treated, or requiring hospital/outpatient care before the trip was booked (or the start of the policy period, if later) is excluded from all sections of the policy.
Coverage duration limit
Cover ends when the insured returns home at the end of the policy period; it is automatically and freely extended up to 14 days if public transport is delayed/cancelled by strikes, adverse weather or mechanical failure, or up to 30 days if the insured cannot return due to injury, illness or quarantine. Medical/surgical treatment costs are not covered beyond 52 weeks from the date of the accident or onset of illness.
Where to buy
Documents
Policy specifics
Trip Cancellation
Coverage for trip cancellation costs due to illness, injury, or other covered reasons
Source24/7 Travel Assistance
Round-the-clock emergency assistance services including medical coordination
SourcePermanent Resident of Portugal
All insured persons must be permanent residents of Portugal at the time of policy purchase
SourceAge Limitation
Insurance available for passengers 64 years of age or younger at time of purchase
SourceMedical Information Disclosure
Insureds must notify insurer of any health changes after taking out the insurance
SourceClaim Documentation Requirements
Insureds must provide medical certificates from doctors, police reports, and receipts for claims
Source