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If you are not covered by a public health insurance, it is highly recommended that you are covered by a private insurance. Most private health insurance policies don't pay family doctors' fees or for medication that isn't provided in a hospital. Often, there will also be an 'excess' of around EUR75 more than the cost of treatment. Most will, however, pay for 100 per cent of specialists' fees and hospital treatment in the best Portuguese hospitals.

The cost of comprehensive private insurance with a Portuguese company varies considerably and can be very expensive, although young families can expect comprehensive coverage at competitive rates.