Zurich Insurance Europe AG, Branch in Portugal
Zurich
Zurich is a travel insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
For medical expenses abroad, Zurich's Serviços de Assistência settle costs directly with providers or reimburse the insured, subject to prior agreement and supporting documentation, with a €50 deductible per person per claim (except for crutches, which have no deductible).
Geographic scope
Worldwide
Coverage applies anywhere in the world; for the Assistência às Pessoas guarantee this territorial scope may be contractually restricted as specified in the Condições Particulares.
Unique selling points
- Sanitary transport and medical repatriation cover of up to €500,000 on the top Nível 3 plan.
- Worldwide territorial coverage across all trip types, from short breaks to extended travel.
- Three selectable coverage levels (Nível 1/2/3) plus a dedicated 'Neve' option with ski-slope rescue and transport benefits.
- 24-hour assistance service coordinating medical, logistical and repatriation support for travelers abroad.
- Online subscription available directly through Zurich's Z4U platform.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses abroad
€2,500 – €10,000
Optional extension (Condição Especial 003, requiring an additional premium per Cláusula 2ª) reimbursing medical, surgical, pharmaceutical and hospitalization expenses abroad, with per-tier limits: Nível 1 €5,000; Nível 2 €7,500; Nível 3 €10,000; Neve €2,500. A €50 deductible per person and per claim applies.
Medical expenses for road accidents in Portugal while in transit abroad
€2,500 – €10,000
Same optional guarantee also covers medical, surgical, pharmaceutical and hospitalization expenses incurred in Portugal for a road accident, when the insured's final destination is outside Portugal, using the same per-tier limits as medical expenses abroad (Nível 1 €5,000 / Nível 2 €7,500 / Nível 3 €10,000 / Neve €2,500) and the same €50 deductible.
Hospitalization costs abroad
€2,500 – €10,000
Hospitalization costs are included within the same combined limit as medical expenses abroad (Nível 1 €5,000 / Nível 2 €7,500 / Nível 3 €10,000 / Neve €2,500) — this is not an additional, separate sum on top of the medical expenses cap.
Outpatient treatment
No limit stated
Not separately itemized in the available policy documents; presumed to fall within the general medical expenses abroad limit.
Emergency dental treatment
No limit stated
No specific emergency dental benefit is identified in the reviewed Condições Gerais or IPID.
Sanitary transport of injured/sick persons
€200,000 – €500,000
Optional guarantee (003) covering transport in ambulance to the nearest clinic/hospital and organized transfer to a more suitable facility or back to the usual domicile, chosen and coordinated by Zurich's medical team, with per-tier limits: Nível 1 €200,000; Nível 2 €350,000; Nível 3 €500,000; Neve €200,000.
Medical evacuation
€200,000 – €500,000
Medical evacuation is covered under the same 'Transporte ou Repatriamento Sanitário de Feridos e Doentes' benefit as medical_transport, sharing the same per-tier limits (Nível 1 €200,000 / Nível 2 €350,000 / Nível 3 €500,000 / Neve €200,000) — not an additional, separate sum.
Transport/repatriation of the deceased insured person
€10,000 – €20,000
Optional guarantee (003) covering formalities at the place of death and transport/repatriation to the place of burial in Portugal, with per-tier limits: Nível 1 €10,000; Nível 2 €15,000; Nível 3 €20,000; Neve €10,000.
Slope rescue costs (ski)
€10,000
Only in Neve
Exclusive to the optional 'Neve' winter-sports tier: covers costs necessary to provide rescue to the insured injured on the ski slope, up to €10,000, subject to medical prescription.
COVID-19 / infectious disease treatment
Excluded
Infectious diseases are always excluded from all guarantees of the policy when occurring in a situation of epidemic or pandemic declared by the competent authorities.
Pre-existing medical conditions
Excluded
Zurich does not cover medical expenses abroad related to a chronic or pre-existing illness; separately, if an accident's consequences are aggravated by a pre-existing illness, Zurich's liability is capped at what it would have been for a person without that condition.
Winter sports (Neve) option benefits
€10,000
Only in Neve
Optional 'Neve' tier provides ski-specific benefits: crutches purchase up to €25; transport from the ski slope to the resort's medical center up to €10,000; slope rescue costs up to €10,000 — all subject to medical prescription, alongside reduced versions of the other Assistência às Pessoas limits.
Adventure/dangerous sports cover
Excluded
The policy excludes accidents from federated sports and their training, as well as Alpinism, Martial Arts, Boxing, hunting of dangerous animals, spearfishing, motorboating, motorsports, parachuting, bullfighting and other analogously dangerous sports and activities, unless expressly contracted.
Pregnancy complications (medical treatment)
Excluded
Expenses resulting from complications due to a state of pregnancy are excluded from the medical expenses abroad guarantee; a separate, unrelated trip-cancellation guarantee can be triggered by childbirth complications within the first six months of pregnancy of a family member.
Third-party liability
Optional
Optional extension (Condição Especial 001, requiring an additional premium) covering pecuniary reparations owed by the insured for extra-contractual bodily injury or property damage caused to third parties during the trip, up to the limit set in the Condições Particulares (not a fixed figure disclosed in the general terms).
Legal assistance
No limit stated
No distinct legal expenses/legal assistance guarantee is identified in the reviewed Condições Gerais or IPID.
24-hour assistance service
Optional
As part of the optional Assistência às Pessoas extension (003), the Serviços de Assistência coordinate medical and logistical support for insured persons abroad on a 24-hour basis (e.g. medical transport, hospital vigilance, transmission of urgent messages).
Key conditions
Assistance call deadline
In the event of a covered claim, the policyholder, insured or insured person must notify Zurich in writing as soon as possible and never later than 8 days from the date of occurrence, detailing the day, time, location, causes and consequences.
Unauthorized treatment
Reimbursement of medical expenses abroad requires prior agreement with Zurich's Serviços de Assistência and supporting documentation; costs incurred in situations where Zurich was not called to intervene at the time of the event are excluded from cover.
Purchase while abroad
Cover under the policy begins only when the insured person boards the first means of transport used for the insured trip; events occurring before the contract's effective start, or before Zurich was called to intervene, are excluded from cover.
Chronic conditions
Expenses related to a chronic or pre-existing illness are expressly excluded from the medical expenses abroad guarantee.
Pregnancy
Expenses resulting from complications of pregnancy are excluded from the medical expenses guarantee; separately, childbirth complications occurring within the first six months of pregnancy of the insured, spouse or dependents can trigger the trip cancellation/interruption guarantee.
Pre-existing condition exclusions
If the consequences of an accident are aggravated by a pre-existing illness or condition, Zurich's liability cannot exceed what it would have been for a person without that condition; pre-existing illnesses are also expressly excluded from the medical expenses abroad guarantee.
Coverage duration limit
The Assistência às Pessoas guarantees apply only if the trip does not exceed 90 days; separately, per the product's IPID, the insurance automatically lapses at the end of the calendar year in which the insured person turns 70 years old.
Policy specifics
Medical expenses abroad
Coverage for medical, surgical, pharmaceutical and hospital expenses incurred abroad during the travel period
SourceLuggage loss, theft, or damage
Compensation for loss, theft, robbery, damage or destruction of luggage that is duly proven
SourceThird-party liability cover
Protection against liability claims for damages caused to third parties
SourceAccidental death and permanent disability
In event of insured person's death, payment of sum insured to designated beneficiary; in case of clinically proven permanent disability, payment of corresponding capital determined by applicable Devaluation Table
SourceFuneral expenses
Compensation for funeral expenses in event of insured person's death during travel period
SourceAccident assistance and repatriation
In event of accident, guarantee of accompaniment, transport and, if necessary, repatriation of insured person
SourceMaximum travel period
Zurich Viagens typically covers single trips and annual multi-trip policies with maximum period per trip
SourcePre-travel medical consultation
Insurance guarantees a medical consultation on preventive measures to be taken before, during, and after travel based on destination
Source24-hour emergency assistance
24-hour person assistance service available to provide medical and logistical support
Source