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Posso contratar um seguro de vida que cubra doenças graves?

Can I hire life insurance that covers serious illnesses?

Life insurance is mainly taken out during a mortgage and only covers death and disability. However, it is also possible to protect against serious illnesses through this insurance. Find out how.  

30 Aug 20243 min

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Life insurance with coverage for critical illnesses: How does it work?

The life insurance is usually contracted with the basic coverages: Death, Absolute and Permanent Disability (IAD) or Total and Permanent Disability (ITP). This means that, in the event of any of these claims, the insured person or their beneficiaries receive the contracted capital.  

The amount paid aims to cover the expenses resulting from the claim, in order to ensure quality of life and financial stability through the contracted capital.

But life insurance can include other coverage options, such as critical illnesses. 

According to Real Vida Seguros, some insurers allow contracting the coverage of Critical Illnesses as an additional protection.

Therefore, if the insured is diagnosed with a serious illness during the term of the contract, they receive the contracted capital in life.

According to the insurer, these are the diseases covered by this coverage:  

  • Stroke;
  • Cancer;
  • Coronary bypass surgery;
  • Myocardial infarction;
  • End-stage renal failure;
  • Main organ transplant; 

If the beneficiary is diagnosed for the first time with one of these diseases, they receive the insurance capital from the main coverage, up to the maximum limit of 150,000 euros to cover expenses for specific needs.

There is also the possibility of hiring a complementary coverage for Waiting List in certain coverages. In this case, by activating the coverage, you receive a fixed capital of 2,500 euros if you are diagnosed with a disease that requires the following procedures:

  • Prostate hyperplasia;
  • Gallbladder and bile duct disease;  
  • Abdominal wall hernia;
  • Varicose veins in lower limbs;
  • Waterfalls;
  • Pelvic or knee prosthesis.

This annually renewable capital will allow for a more agile solution, avoiding the long waiting lists of the National Health Service (SNS).

Being protected against this risk can be a financial cushion for both yourself and your family in the future. So, if you want to purchase this life insurance with coverage for serious illnesses, the insurance brokers from Poupança no Minuto find the ideal insurance proposal for you, with the conditions you are looking for. All of this in a process without any cost to you.

Learn more and clarify your doubts by contacting an agent directly at:

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Eleito Produto do Ano 2025
Poupança no minuto

Financefy S.A. Credit Intermediary registered with Banco de Portugal (Bank of Portugal) as nº 0006860

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Poupança no Minuto is a brand owned by Financefy, S.A., a linked credit intermediary registered with the Bank of Portugal under number 0006860. Services authorized to provide: Presentation or proposal of credit agreements to consumers. Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by the company. Lenders: Bankinter, S.A. - Branch in Portugal, Caixa Geral De Depósitos, S.A., Banco BPIi S.A., Banco Santander Totta, S.A., Abanca Corporación Bancaria, S.A., Branch in Portugal, Banco Ctt, S.A., Novo Banco, S.A., Cofidis, BNP Paribas Personal Finance, S.A. - Branch in Portugal, Real Estate Credit Union, S.A., Credit Financial Establishment (Sole Proprietorship) - Branch in Portugal, Bni - International Business Bank (Europe), S.A., Banco Bic Português, Sa, Unicre - Credit Financial Institution, S.A.