MGEN Portugal - Companhia de Seguros, S.A.
Globe Partner
Globe Partner is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
Direct billing (guarantee of payment) can be arranged with the insurer for hospitalizations exceeding 24 hours. Prior authorization (a request for prior agreement with medical report and detailed quote) must be sent to the insurer before hospitalization, surgery, radiography, or medical treatment. For other claims under €500, reimbursement requests can be submitted by email; larger claims require original invoices sent by post.
Geographic scope
Worldwide (Option 2) or European Union only (Option 1), always excluding the insured's country of residence
Option 1: benefits apply within the European Union, excluding the insured's country of residence. Option 2: benefits apply worldwide, excluding the insured's country of residence and North Korea. Students also retain medical expense cover for up to 30 days per contract year during temporary returns to their home country in case of medical emergency, capped at €15,000.
Starting price
€39
Indicative — pricing assumptions not stated
Unique selling points
- Free choice of doctor, clinic or hospital anywhere in the world.
- Fast online subscription with the insurance certificate delivered within minutes.
- 24/7 multilingual emergency assistance hotline for hospitalizations and urgent situations.
- Backed by over 40 years of experience and more than 200,000 clients worldwide.
- Competitive pricing with an excellent price-to-quality ratio, priced by residence zone, destination and trip duration.
Coverage limits
Medical Expenses
€150,000
Reimbursement of actual medical costs up to an annual ceiling of €150,000, covering surgery and hospitalization, consultations, pharmacy, lab analyses, radiography, and paramedical acts.
Emergency Medical Treatment
Covered
Consultations, pharmacy, analyses and radiography are covered within the overall €150,000 annual medical expenses ceiling; no separate sub-limit stated.
Hospitalization
Covered
Surgery and hospitalization are covered within the overall €150,000 annual medical expenses ceiling. Direct billing can be arranged for hospitalizations exceeding 24 hours.
Outpatient Treatment
Covered
Consultations, pharmacy, lab analyses, radiography and paramedical acts are covered within the overall €150,000 annual medical expenses ceiling.
Emergency Dental Care
€300
Emergency dental care is reimbursed up to a maximum of €300. A separate sub-benefit covers dental treatment following an accident up to €600.
Medical Transport
Covered
Medical or sanitary transport/repatriation is included with no stated cap; must be organized and pre-approved by the insurer's assistance platform.
Medical Evacuation
Covered
Repatriation/medical evacuation is included with no stated cap, organized via the 24/7 assistance platform; prior insurer approval is required.
Repatriation of Remains
€1,500
Repatriation of the body in case of death is covered; the €1,500 cap applies only to funeral costs, while the transport of the body itself has no stated cap.
Search and Rescue
€3,000
Search and rescue costs at sea or in the mountains are covered up to €3,000.
COVID-19 Treatment
No limit stated
Not addressed as a distinct benefit in the reviewed documents.
Pre-existing Conditions
Excluded
Illnesses and accidents that occurred prior to the contract's effective date are excluded from all guarantees.
Pregnancy Complications
Conditional
Unforeseeable pregnancy complications are covered under assistance, but in all cases coverage stops from the 32nd week of pregnancy onward.
Personal Liability
€4,500,000
Personal liability for private life or training internships is covered: bodily injury capped at €4,500,000, material and immaterial damages capped at €450,000, and objects entrusted during internships capped at €11,500. A deductible of €100 per claim applies.
Legal Assistance Abroad
€3,000
Legal assistance abroad for an involuntary breach of local law covers legal fees up to €3,000; a separate penal bail advance of up to €7,000 is also available, repayable to the insurer once refunded.
24/7 Assistance
Covered
A 24/7 multilingual emergency assistance hotline is available to activate cover, including for hospitalizations exceeding 24 hours.
Key conditions
Assistance call deadline
The insurer's prior agreement must be obtained before taking any initiative or incurring any expense under the assistance guarantee; original transport tickets must be returned when the insurer organizes transport.
Unauthorized treatment
A prior agreement request (medical report and detailed quote) must be sent to the insurer before hospitalization, surgery, radiography or medical treatment; failure to comply with contractual obligations may result in nullity of the contract or loss of guarantee.
Purchase while abroad
Subscribing after departure is possible, but an 8-day waiting period will then apply to all benefits from the contract's effective date; no waiting period applies if subscribed before departure.
Chronic conditions
Chronic diseases are not addressed as a separate category; they fall under the general exclusion of illnesses and accidents that occurred prior to the contract's effective date.
Pregnancy
Pregnancy is excluded except for unforeseeable complications, and in all cases coverage ends from the 32nd week of pregnancy onward.
Pre-existing condition exclusions
Illnesses and accidents that occurred before the contract's effective date are excluded from all guarantees.
Coverage duration limit
The contract is concluded for a fixed term as specified in the particular conditions; it cannot be cancelled or refunded mid-term. It ends at the stated term date, upon the insured's definitive return/repatriation to their country of residence, or upon termination of the master contract between the Globe Partner Association and the insurer.
Where to buy
Documents
Policy specifics
Accidental Death and Dismemberment
Coverage for accidental death and permanent disability benefits resulting from accidents during travel
SourceLegal Liability
Coverage of legal liability that may occur during private life, including personal injury and property damage caused to third parties
SourceLuggage Insurance
Coverage for luggage, personal effects, and objects taken during travel or purchased during the journey, including loss, theft, or damage
SourceAssistance Benefits
Assistance services including repatriation, medical coordination, and emergency support during travel
SourceAge Eligibility
Members of Globe Partner Association under 40 years of age are eligible for the standard Globe Partner product
SourceGeographic Scope
Benefits apply worldwide, to the exclusion of the country of residence and North Korea
SourceContract Term
Contract is concluded for a fixed term, maximum 12 months, non-cancellable and non-refundable once started except in specified cases
SourcePremium Payment
Premiums must be paid entirely at enrollment before the beginning of coverage; payment methods include credit card
SourceGlobe Partner Association Membership
Acceptance of coverage is subject to membership to the Globe Partner Association and acceptance by the insurer
SourceWaiting Period
No waiting period applies if subscription made before departure; 8-day waiting period applies if subscribed after departure
Source