Fidelidade - Companhia de Seguros, S.A.
Fidelidade
Fidelidade is a travel insurance for the Portugal market with no online purchase and limited assistance availability.
Direct payment
Assistance benefits (medical/urgent transport, repatriation, funeral service, hospital interpreter, prolongation of stay, etc.) are arranged and paid directly by the insurer when pre-authorized by calling the assistance line (+351) 214 40 50 08; medical, dental and other treatment expenses incurred in the country of origin are instead reimbursed to the insured against proof of payment, and may be subject to a deductible.
Geographic scope
Worldwide for international trips under the Viagem 2, Viagem 2 Snow, Viagem 2 Business and Viagem 2 Erasmus plans; a separate reduced table applies to trips with origin and destination exclusively within Portugal
Coverage is valid for accidents occurring in the country/countries stated in the Particular Conditions or Membership Certificate. The contract does not cover trips whose country of origin is not Portugal, except when expressly stated otherwise, and the Viagem 2 Business and Viagem 2 Erasmus special conditions do not cover trips with both origin and destination in Portugal.
Unique selling points
- Unlimited medical repatriation and sanitary transport, with no stated capital ceiling
- Unlimited funeral service and transport-after-death benefits organized directly by the insurer
- 25,000€ of medical expenses cover abroad with only a 50€ deductible
- Optional 'Duplicação de Capitais' option that doubles nearly all insured capitals across the Viagem 2 family of plans
- Four specialised context plans (Snow, Business, Erasmus) adding tailored extras such as ski search-and-rescue, airport lounge access on delay, and student legal protection
Coverage limits
Medical, surgical, hospitalization and pharmaceutical expenses abroad
€25,000 – €50,000
Combined guarantee covering medical, surgical, hospitalization and pharmaceutical expenses when medically prescribed following an accident or sudden illness occurring abroad during the trip. Base capital is 25,000€ (Viagem 2, Snow, Business and Erasmus), subject to a 50€ deductible; if the 'Duplicação de Capitais' option is contracted, this capital doubles to 50,000€. Only available for trips abroad; the reduced table for trips exclusively within Portugal does not include this benefit.
Urgent/emergency medical treatment abroad
€25,000 – €50,000
The guarantee expressly covers urgent and immediate medical/surgical treatment following an accident or sudden illness abroad; it ceases once urgent treatment is no longer necessary or once the insurer's medical team agrees the insured can be transferred home. This shares the same 25,000€/50,000€ (doubled) ceiling as the general medical expenses guarantee — it is not an additional, separate capital.
Hospitalization expenses abroad
€25,000 – €50,000
Hospitalization expenses are explicitly named within the combined 'Despesas Médicas, Farmacêuticas e de Hospitalização no Estrangeiro' guarantee and share its 25,000€/50,000€ (doubled) ceiling, not an additive amount. A separate optional daily hospital-admission cash indemnity also exists (see product-specific constraints).
Outpatient treatment
No limit stated
Not itemized as a separate benefit in any of the sources; outpatient care would fall generically under the combined medical expenses guarantee, but no distinct sublimit or wording for outpatient treatment specifically was found.
Emergency dental treatment abroad
€750 – €2,000
Covers emergency dental treatment necessary due to an accident or acute clinical situation. Base capital is 750€ for Viagem 2, Viagem 2 Snow and Viagem 2 Business, and 1,000€ for Viagem 2 Erasmus, each subject to a 50€ deductible; with the 'Duplicação de Capitais' option these become 1,500€ and 2,000€ respectively.
Urgent transport to nearest clinic/hospital
unlimited
Only in Viagem 2, Viagem 2 Snow, Viagem 2 Business, Viagem 2 Erasmus
Following an accident or sudden illness, the insurer arranges and pays, without a stated capital limit, ambulance or other adequate transport from the location of the event to the nearest clinic or hospital.
Repatriation or sanitary transport in case of accident or illness
unlimited
Only in Viagem 2, Viagem 2 Snow, Viagem 2 Business, Viagem 2 Erasmus
The insurer pays transport costs by an adequate means (sanitary aircraft if urgency/severity require it, otherwise scheduled commercial flight or other adequate means) to the hospital centre prescribed by its medical team or to the insured's habitual residence, following prior medical control. The choice of transport means rests exclusively with the insurer's medical team.
Transport after death / repatriation of remains
unlimited
Only in Viagem 2, Viagem 2 Snow, Viagem 2 Business, Viagem 2 Erasmus
In case of death of the insured during the trip, the insurer pays local formality costs and the cost of transporting the body to the place of burial, and, if applicable, the return transport of accompanying insured persons. Not applicable when the trip has origin and destination exclusively within continental Portugal.
Search and rescue expenses at ski resort
unlimited
Only in Viagem 2 Snow
Optional benefit under the 'Pack Contexto Snow' of the Viagem 2 Snow plan: if the insured suffers an accident while amateur skiing (off-piste jumps excluded, on marked pistes) or snowboarding, the insurer covers search and rescue costs, including transport by an adequate means to the nearest hospital, with no stated capital limit.
Infectious disease / pandemic-related treatment
Conditional
Only in Viagem 2, Viagem 2 Snow, Viagem 2 Business, Viagem 2 Erasmus
Claims arising directly or indirectly from infectious/contagious diseases (which would include COVID-19) are only covered if they occur outside the insured's country of residence, sharing the general medical expenses ceiling. Assistance services during a declared epidemic or pandemic are additionally limited to what is established/permitted by the competent local authorities.
Pre-existing / chronic conditions
Excluded
Expenses related to chronic or pre-existing disease, and any aggravation of a pre-existing incapacity, injury or disease, are always excluded from every cover of the policy, except where there is an acute manifestation of the pre-existing lesion or disease.
Winter/snow sports cover
Optional
Only in Viagem 2 Snow, Viagem 2 Erasmus
Practising sports on snow and ice is excluded from all covers of the policy except under the Viagem 2 Snow special condition (where it is always guaranteed) or, if expressly contracted as an extension, under the Viagem 2 Erasmus special condition. Where active, it shares the general medical expenses ceiling rather than having its own separate capital.
Adventure sports cover
Optional
Only in Viagem 2, Viagem 2 Snow, Viagem 2 Erasmus
'Desportos de Aventura' (amateur competitive sport, motorized land/water sports, kitesurf, scuba diving, spearfishing, mountaineering/climbing/rappelling and speleology) are excluded from all covers unless expressly contracted as a joint extension; where contracted, they share the general medical expenses ceiling.
Pregnancy complications
Conditional
Only in Viagem 2, Viagem 2 Snow, Viagem 2 Business, Viagem 2 Erasmus
Complications arising from pregnancy are excluded once the claim occurs after the 7th month of gestation (4th month for twin pregnancies or pregnancies resulting from fertility treatment), and only where the insured already knew of the pregnancy when the policy was taken out; up to those thresholds, complications are covered under the general medical expenses ceiling.
Non-contractual personal (third-party) liability
€100,000 – €200,000
Optional 'Pack 1' benefit paying indemnities for bodily injury and/or material damage caused to third parties within the insured's private life during the trip. Base capital is 100,000€ per claim and per year, doubling to 200,000€ with the 'Duplicação de Capitais' option. Excludes damage from vehicles driven/owned by the insured and risks subject to compulsory insurance under Portuguese law.
Legal protection (students)
€2,000
Only in Viagem 2 Erasmus
Optional benefit available only under the Viagem 2 Erasmus 'Pack Contexto Erasmus', managed by Fidelidade Assistência. Comprises several separately capped sub-benefits: legal advice (2 claims), criminal defense (2,000€), damage claims (2,000€), defense/claim of rights (2,000€), advance of criminal bail (2,000€), forensic medical assessment (500€) and accompaniment for statements (500€). There is no single combined capital across all sub-benefits.
24/7 assistance line
No limit stated
No source states that the main assistance/claims line (+351) 214 40 50 08 operates 24 hours a day. Stated hours are: Apoio ao Cliente weekdays 9h–20h, Consulta do Viajante weekdays 9h–19h, Erasmus Apoio Psicológico weekdays 9h–18h. Only the Erasmus 'Apoio técnico remoto' (technical helpdesk) is explicitly stated as available 24 hours a day, every day of the year.
Key conditions
Assistance call deadline
Most assistance benefits (urgent transport, hospital interpreter, repatriation, prolongation of stay, etc.) must be pre-requested from the insurer by phone (+351) 214 40 50 08 before being provided; separately, any accident must be reported to the insurer within a maximum of 8 days of the insured becoming aware of it.
Unauthorized treatment
Assistance benefits not previously requested from and agreed with the insurer, or performed without its consent, are not covered; failure by the insured to comply with post-accident obligations (undergoing medical exams, following prescriptions, authorizing information exchange) releases the insurer from liability.
Purchase while abroad
The policy does not cover trips whose country of origin is not Portugal, unless this is expressly stated in the Particular Conditions or Membership Certificate; in practice, this means the trip generally must originate in Portugal.
Chronic conditions
Expenses related to chronic or pre-existing disease are excluded from the medical expenses guarantee, except for acute manifestations of a pre-existing lesion or disease.
Pregnancy
Pregnancy complications are covered only up to the 7th month of gestation (4th month for twin pregnancies or pregnancies from fertility treatment), and only if the insured already knew of the pregnancy when the policy was taken out; beyond those thresholds, coverage is excluded.
Pre-existing condition exclusions
Pre-existing incapacity, injury or disease, and any aggravation thereof, are always excluded from every cover of the policy, except for acute manifestation of a pre-existing lesion or disease.
Coverage duration limit
The policy guarantees trips abroad for a maximum period of one year; the actual insured period is stated in the Particular Conditions or Membership Certificate.
Where to buy
Policy specifics
Emergency medical expenses
Coverage for medical, surgical, hospitalization and pharmaceutical expenses when medically prescribed for accidents or sudden illnesses occurring during travel.
SourceDeath capital
Insured capital payable in case of death occurring within 2 years of the accident that caused it.
SourcePermanent disability compensation
Insured capital payable in case of permanent disability resulting from an accident during travel.
SourceTrip cancellation due to sudden medical event
Reimbursement of paid and irrecoverable trip expenses in case of cancellation due to sudden and unforeseeable medical event, serious accident or death of the insured.
SourceBaggage loss or damage coverage
Indemnification for baggage that is lost, mislaid or damaged during travel.
SourceDaily hospital indemnity
Daily compensation paid during hospital admission resulting from an accident or sudden illness during travel.
SourceFuneral service provision
The insurer arranges and covers funeral service costs in case of death during travel.
SourceMedical repatriation
Insurer covers costs for medical repatriation of the insured to their country of permanent residence when urgent medical treatment is no longer necessary.
SourceCapital duplication option
For Viagem 2, Viagem 2 Snow, Viagem 2 Business and Viagem 2 Erasmus, the policyholder may select a 'Duplicação de Capitais' option that doubles all insured capitals and their respective deductibles, with the sole exception of the Consulta do Viajante benefit which remains limited to one use.
SourceAggregate cap per event across multiple insured travellers
If the combined expenses of several insured travellers affected by the same event exceed 10,000,000 EUR, indemnities are reduced proportionally up to that aggregate limit.
SourceDaily indemnity for hospital admission (optional Pack 2)
Optional benefit paying 25€ per day of hospital admission due to an accident during the trip, subject to a 3-day deductible period and capped at 180 days per accident.
SourceLegal Protection sub-limits (Viagem 2 Erasmus)
Legal Protection under Viagem 2 Erasmus comprises several separately capped benefits: legal advice (2 claims), criminal defense (2,000€), damage claims (2,000€), defense/claim of rights (2,000€), advance of criminal bail (2,000€), forensic medical assessment (500€), and accompaniment for statements (500€).
SourceTarget market age limit
Product is targeted at people aged up to 74 years old, inclusive, resident in Portugal.
SourceInsurer medical team control
In case of hospitalization, the insurer's medical team maintains contact with the treating physician and may require the insured to transfer to their country of residence.
SourceHospital admission time limit
Hospital admission must be initiated within 180 days of the accident date that caused it, or as specified in particular conditions or membership certificates.
SourceReimbursement system (Portugal-based claims)
For accidents in Portugal, the insurer reimburses expenses paid by the insured up to the insured limit, subject to deductibles if agreed in particular conditions.
SourceMedical prescription requirement
Medical and pharmaceutical expenses are covered only when medically prescribed and provided by properly qualified professionals.
SourcePregnancy-related exclusion
Complications arising from pregnancy are not covered if the incident occurs after the 7th month of gestation, or after the 4th month for twin or fertility-treatment pregnancies.
SourceDomestic travel limitation
Certain coverages (e.g., funeral services) do not apply when both origin and destination are exclusively within continental Portugal.
Source