✓ Verified from official visa portal · Updated March 2026
⚠ Medium-high confidence — confirm with consulate
Portugal D7 Visa
Insurance Requirements 2026
The Portugal D7 Passive Income Visa requires valid health insurance with one critical word: repatriation. Many policies cover medical evacuation but not repatriation — and that single word difference causes rejections.
Official insurance requirements
Source: Portugal Visa Portal (vistos.mne.gov.pt) · Confidence: Medium-high · Last verified: March 2026
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Valid health insurance
Must be ongoing health insurance — not travel insurance or a short-term trip policy. The policy must cover the full duration of your stay.
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Coverage for medical expenses
Comprehensive coverage for medical treatment, hospitalisation, and emergency care in Portugal.
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Repatriation — the critical word
Your certificate must use the word "repatriation". Medical evacuation is NOT the same as repatriation in Portuguese visa law. If your policy says "evacuation" only — it will be rejected.
The repatriation wording rule
This is the most common rejection cause for Portugal D7 applications.
⚠ The exact wording matters
✗ REJECTED
"Coverage includes medical evacuation to nearest suitable facility"
✓ ACCEPTED
"Coverage includes repatriation to country of origin"
💡Before purchasing — ask your insurer: "Does your certificate use the word repatriation?"
💡Request a sample certificate before buying to verify the exact wording.
💡If your current policy says evacuation only — contact your insurer and request an amended certificate.
What causes rejection
Common rejection causes for Portugal D7 insurance submissions.
✗"Medical evacuation" wording without "repatriation"
✗Travel insurance or trip insurance (not ongoing health coverage)
✗Policy expired before end of visa period
✗Coverage that excludes Portugal or only covers EU emergencies
✗No coverage for routine medical expenses — emergency only
Verified compliant providers
These providers have confirmed repatriation wording for Portugal D7 applications.
~€65/mo
Repatriation wording confirmed. 1,800+ D7/D8 approvals. Certificate explicitly states repatriation coverage.
Get a quote →SafetyWing Remote Health
⚠ UNVERIFIED~€150/mo
Repatriation included in policy. Popular with D7 applicants. Confirm certificate wording before purchasing.
Get a quote →Covaris AI may earn a commission if you purchase through these links.
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Check your specific policy
Tell Covaris AI which insurance you have and get an instant compliance check including repatriation wording verification.
Check my insurance now — it's free →Frequently asked questions
Common questions about Portugal D7 insurance requirements.
Does SafetyWing Nomad work for Portugal D7?
SafetyWing Nomad is travel insurance — not suitable for a residency visa. SafetyWing Remote Health may work but you must verify the certificate includes the word "repatriation" specifically.
What is the difference between D7 and D8 visa insurance requirements?
The insurance requirements are very similar. Both require valid health insurance with repatriation coverage. The main difference is the income threshold — D7 requires passive income (~€820/mo), D8 requires remote work income (~€3,480/mo).
Does my insurance need to be valid for the full visa duration?
Yes. Your insurance must cover the entire period of your stay. For the initial D7 visa, that means at least 1-2 years of coverage.
Can I use a local Portuguese insurer?
Yes. Multicare and Médis are popular local Portuguese insurers used by D7 holders. They are widely accepted by AIMA (the Portuguese immigration authority).
What income do I need for Portugal D7?
You need to demonstrate passive income of at least €820/month (the Portuguese minimum wage). This can come from pensions, rental income, dividends, or other passive sources.