Grupo Ageas Portugal (Ageas Portugal – Companhia de Seguros, S.A. and Ageas Portugal – Companhia de Seguros de Vida, S.A.)
Ageas Seguros
Ageas Seguros is a travel insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
The single premium is due on the contract date and can be paid via direct debit or Multibanco reference; for a more personalised process, payment can also be made by debit card or MB Way through your Mediator.
Geographic scope
Worldwide
Coverage applies anywhere in the world during the trip stated in the Particular Conditions; accidents occurring outside the planned itinerary are excluded except in cases of force majeure.
Unique selling points
- Provides accident indemnification anywhere in the world, regardless of travel destination.
- Offered in 5 selectable plans (Jovem, Base, Económica, Mais, Executivo) with different coverage levels and capital options to match different traveler needs.
- Can be contracted as temporary travel insurance for exactly the period needed, up to 60 days.
- Covers virtually all means of transport used during the trip (cars, ships, cruises, trains, buses), except two/three-wheeled motorised vehicles.
- Ageas Seguros has been recognised as a 'Best Travel Insurer' award winner alongside Superbrands and 5 Estrelas distinctions.
Coverage limits
Treatment expenses
€1,250 – €5,000
Reimbursement of treatment expenses following an accident during the trip. Available in the Viagem Jovem plan (€1,250–€5,000), Viagem Mais plan (€1,250–€5,000) and Viagem Executivo plan (€1,250–€5,000); not available in Viagem Base or Viagem Económica.
Emergency medical treatment
No limit stated
No separate emergency medical treatment benefit distinct from 'Despesas de tratamento' (treatment expenses) is described in the sources.
Daily hospitalization allowance
€25 – €50
Only in Viagem Executivo
Daily cash benefit of €25 or €50 per day of hospital confinement following an accident, available only under the Viagem Executivo plan (per day, not a total cap).
Outpatient treatment
No limit stated
Not addressed as a distinct benefit in the reviewed sources.
Emergency dental treatment
No limit stated
Not addressed as a distinct benefit in the reviewed sources.
Medical transport
No limit stated
Not itemised with a specific capital; general 'Assistência em Viagem' (Travel Assistance) is governed by a separate Special Condition without a stated capital.
Medical evacuation
No limit stated
Not itemised with a specific capital in the sources; potentially covered under the general 'Assistência em Viagem' Special Condition.
Funeral expenses
€2,500 – €5,000
Only in Viagem Jovem, Viagem Executivo
Funeral expenses capital of €2,500 or €5,000, available under the Viagem Jovem plan and the Viagem Executivo plan; not available under Viagem Base, Viagem Económica or Viagem Mais.
Pre-existing conditions
No limit stated
Not explicitly addressed regarding pre-existing conditions in the reviewed sources.
Winter sports cover
No limit stated
Not specifically addressed; the general amateur-sport exclusion (which is waivable by express agreement) may apply.
Adventure / amateur sports cover
Optional
Accidents resulting from amateur sports practice are excluded by default (a 'relative exclusion'), but this exclusion can be waived by express agreement with the insurer.
Pregnancy complications
Excluded
Consequences of pregnancy or childbirth are explicitly excluded from cover under the general exclusions.
Personal liability
€25,000 – €75,000
Only in Viagem Executivo
Civil liability cover of €25,000 to €75,000, available only under the Viagem Executivo plan.
Legal assistance
No limit stated
Not addressed as a distinct benefit in the reviewed sources for this product.
24/7 travel assistance
Conditional
Only in Viagem Executivo
Travel assistance is available 24 hours a day to help resolve unexpected situations; per the capitals table it is included as a benefit ('Conforme Condição Especial') only under the Viagem Executivo plan, though other plans may add it as an optional cover.
Key conditions
Assistance call deadline
The accident should preferably be reported by phone to the Travel Assistance line (213 102 450) within a maximum of 8 days; the insurer's IPID separately states the accident claim form must be submitted within 24 hours of becoming aware of it, and fatal accidents must be reported immediately.
Unauthorized treatment
Not specified in the reviewed sources.
Purchase while abroad
Not specified in the reviewed sources.
Chronic conditions
Not specifically addressed in the reviewed sources.
Pregnancy
Accidents whose consequences are due to pregnancy or childbirth are excluded from cover under the general exclusions.
Pre-existing condition exclusions
Not specifically addressed in the reviewed sources.
Coverage duration limit
The policy can be contracted as temporary insurance for the period needed, up to 60 days; the Viagem Jovem plan is mandatory for minors under 14 and optional from age 14, while Viagem Económica, Viagem Mais and Viagem Executivo are for persons over 14 and under 70 years old.
Where to buy
Policy specifics
Product scope: Personal Accident insurance, not a standalone medical expense policy
Viagem Segura is legally structured as a Personal Accident insurance (Seguro de Acidentes Pessoais); the 'Despesas de tratamento' (treatment expenses) benefit only reimburses treatment costs arising from an accident during the trip, not general illness-related medical expenses.
SourceClaim notification deadline
Accident must be reported preferably by phone to Travel Assistance within maximum 8 days
SourceTwo-wheeled vehicle exclusion
Coverage excludes two or three-wheeled motorcycles and four-wheeled motorcycles
Source24/7 emergency assistance availability
Travel assistance available 24 hours per day to resolve unexpected situations rapidly
Source