Via Directa – Companhia de Seguros, S.A. (trading as ok! seguros)
ok! seguros
ok! seguros is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
For core assistance benefits abroad (medical expenses, hospitalization, repatriation and transport) the insurer's assistance service settles costs directly with providers once contacted in advance; most other benefits (cancellation, baggage, treatment in Portugal, delays) operate on a reimbursement basis requiring proof of payment.
Geographic scope
Worldwide, with scope depending on the contracted level (Portugal, Zone A or Zone B)
Portugal level: Portugal only. Estrangeiro level: Zone A (Europe, Algeria, Egypt, Israel, Lebanon, Libya, Morocco, Syria, Turkey and Tunisia) or Zone B (all other countries), as contracted.
Unique selling points
- Top-tier plan offers up to €50,000 in medical expenses coverage abroad, well above entry-level travel policies.
- Includes a free pre-travel specialist 'Consulta do Viajante' by phone with personalized health advice and an emailed summary with vaccine/medication recommendations.
- Assistência GEO provides real-time geolocation and emergency telephone medical support via the ok! seguros app in case of accident or sudden illness.
- Unlimited medical repatriation, sanitary transport and urgent ambulance transport are included as base benefits with no monetary cap.
- 24/7 video/teleconsultation with a medical team is included at no extra cost to help decide on the right course of action after an accident or sudden illness.
Coverage limits
Medical expenses abroad
€10,000 – €50,000
Payment/reimbursement of medical, surgical and pharmaceutical (when prescribed) expenses following an accident or sudden illness during the trip abroad, up to €10,000 (ok! viagem simples), €30,000 (avançada) or €50,000 (total), subject to a €50 deductible. Only available under the Estrangeiro-level plans.
Emergency medical treatment abroad
€10,000 – €50,000
Emergency medical and surgical treatment following an accident or sudden illness abroad is covered within the same overall Despesas Médicas no Estrangeiro limit (€10,000/€30,000/€50,000 by tier), €50 deductible; not a separate sub-limit.
Hospitalization abroad
€10,000 – €50,000
Hospitalization costs following an accident or sudden illness abroad are covered as a component of the overall Despesas Médicas no Estrangeiro limit (€10,000/€30,000/€50,000 by tier); the assistance service stops covering hospitalization once repatriation becomes possible.
Outpatient medical treatment abroad
€10,000 – €50,000
Outpatient medical/surgical and prescribed pharmaceutical expenses abroad are covered within the same overall Despesas Médicas no Estrangeiro limit as hospitalization (€10,000/€30,000/€50,000 by tier), €50 deductible.
Emergency dental treatment abroad
€500 – €2,500
Reconstitutive dental treatment expenses following an accident (not illness) abroad requiring emergency dental intervention, up to €500 (simples), €1,250 (avançada) or €2,500 (total), €50 deductible. Trigger is accident only, unlike the general medical expenses cover which also includes sudden illness.
Urgent medical transport
unlimited
Ambulance or other adequate transport from the place of occurrence to the nearest clinic or hospital in case of accident or illness, unlimited, included in all plans.
Medical repatriation / sanitary transport
unlimited
Repatriation or sanitary transport by ambulance, special sanitary aircraft (in Europe/Zone A) or scheduled airline (elsewhere) in case of accident or illness, unlimited, decided exclusively by the insurer's medical team.
Repatriation in case of death
unlimited
In case of death abroad, the insurer covers the coffin, local formalities and transport of the body to the place of burial or cremation in the country of habitual residence, unlimited. Only available under the Estrangeiro-level plans (shown as not applicable on the Portugal-level plan).
Search and rescue (Assistência Aventura)
€15,000
Optional add-on covering search and rescue costs, including transport to the nearest hospital, for accidents during amateur practice of parachuting, paragliding, climbing, caving, spearfishing, scuba diving, motonautics/water-skiing and board water sports, up to €15,000, same across all tiers.
COVID-19 treatment
No limit stated
The policy does not explicitly address COVID-19 treatment as included or excluded; it only states that repatriation/transport guarantees may be limited by restrictive measures in case of a declared epidemic or pandemic.
Pre-existing conditions
Excluded
Expenses related to chronic or pre-existing illness are excluded from the Despesas Médicas no Estrangeiro guarantee; more generally, pre-existing incapacity, injury or illness and their consequences are excluded from the whole policy unless known to the insurer before the contract was concluded.
Winter sports cover (Assistência Neve)
unlimited
Optional add-on: unlimited search and rescue at ski resorts for amateur skiing (no jumps) and snowboarding accidents, plus reimbursement of non-refundable equipment rental/lift-pass costs up to €250 and lost ski lessons up to €250, same across all tiers.
Adventure sports cover
€15,000
Optional add-on that partially derogates the general exclusion of activities such as parachuting, paragliding, climbing, caving, scuba diving and water sports on a board, when practised as an amateur, covering search-and-rescue costs up to €15,000; excludes motorized two/three-wheel vehicles.
Pregnancy complications
Excluded
Expenses resulting from complications due to the Pessoa Segura's state of pregnancy are explicitly excluded from the Despesas Médicas no Estrangeiro guarantee.
Personal (extracontractual) liability
€75,000
Optional add-on covering bodily injury and/or material damage caused to third parties in the context of the Pessoa Segura's private life during the trip, up to €75,000, same across all tiers and territorial levels.
Legal assistance / protection
€6,000
Optional add-on providing legal protection (advice, criminal/civil defence, claims for damages, disputes with travel/tourism/hotel providers) up to €6,000 under the Estrangeiro-level modality (€3,000 under the Portugal-level modality); the limit varies by territorial modality, not by tier.
24/7 GEO assistance
unlimited
Unlimited 24/7 GEO assistance: geolocation of the Pessoa Segura in case of accident or sudden illness, plus telephone emergency medical advice and dispatch of rescue means. This cover can only be activated through the ok! seguros mobile app and requires GPS/GSM/internet connectivity.
Key conditions
Assistance call deadline
A request must be made in advance to the Serviço de Assistência before incurring expenses; if emergency hospitalization made prior contact demonstrably impossible, the service must be informed within 48 hours of the occurrence.
Unauthorized treatment
Benefits under assistance-type covers that were not previously requested from the Serviço de Assistência, or carried out without its agreement, are not covered, except in cases of demonstrated force majeure or material impossibility.
Purchase while abroad
The product's target market is residents in Portugal; ok! viagem is not intended for trips initiated outside Portuguese territory.
Chronic conditions
Expenses related to chronic illness are excluded from the Despesas Médicas no Estrangeiro guarantee.
Pregnancy
Expenses resulting from complications due to the Pessoa Segura's pregnancy are excluded from the Despesas Médicas no Estrangeiro guarantee.
Pre-existing condition exclusions
Pre-existing incapacity, injury or illness, and their consequences or aggravations, are excluded from all covers of the policy, unless the pre-existing situation was known to the insurer before the contract was concluded, in which case only the aggravation resulting from the accident is considered.
Coverage duration limit
The Assistência às Pessoas, Assistência às Pessoas em Atrasos e Cancelamentos, Assistência às Pessoas em Caso de Perda de Bagagem e Documentação, Assistência Neve and Assistência Aventura covers are valid for a maximum of 120 consecutive days per trip, even if contracted for longer periods.
Where to buy
Policy specifics
Medical expenses abroad reimbursement
Reimbursement of medical, surgical, pharmaceutical (when prescribed by doctor) and hospitalization expenses in case of accident or sudden illness during travel, up to a maximum of €50,000
SourceTraveler medical consultation
Specialized medical team (General Medicine and Family Medicine) providing 24/7 online consultation before and during travel, including health advice, vaccination recommendations and prescribed medications
SourceGEO assistance
24/7 GEO assistance service providing immediate location, medical telephone advice and appropriate rescue means in case of accident or sudden illness during travel
SourceTravel cancellation due to natural disasters
If trip is cancelled due to natural phenomena (strong winds, tornados, earthquakes, heavy rainfall, etc.), reimbursement up to €100 for new transportation or accommodation and meals during waiting period
SourceAdventure and snow sports coverage
Optional add-on protection for accidents during amateur practice of adventure sports (water, aquatic, radical) or snow sports
SourcePublic liability coverage
Optional protection against material and/or bodily damages that the insured may cause to third parties through extra-contractual civil liability
SourcePortuguese residents only
Product is designed for residents in Portugal. Trips must be initiated from Portuguese territory
SourceAdvance claim notification to assistance service
In case of accident or sudden illness, policyholder must contact the assistance service (24/7) before assuming any expenses, available via phone +351 217 912 827
SourceOnline medical consultation available via app only
The online medical consultation coverage can only be activated through the ok! seguros mobile app
SourceCoverage trigger: accident or sudden illness only
Medical expenses and benefits are covered only in case of accident or sudden illness occurring during the trip. Does not cover pre-existing conditions, routine care, or scheduled treatments
SourceExclusion: motorized two/three-wheel vehicles
Accidents involving motorcycles, motorized bicycles, or motorized three-wheel vehicles (moto-quatro) are excluded from coverage
SourceGEO assistance available via app only
The Assistência GEO cover (geolocation and emergency telephone assistance) can only be activated through the ok! seguros mobile app, and depends on GPS/GSM/internet connectivity being operational; the Consulta Médica Online cover, by contrast, is accessed by phone/video, not solely via the app.
Source