Coverflex Insurance

The best health insurance experience in Portugal

With tax benefits, flexible upgrades, and 100% digital management.

thousands of users prefer Coverflex insurance.

thousands of users prefer Coverflex insurance

Easy management, constant support, and free integration

Switch at no cost: transfer your insurance to Coverflex without paying more.

Manage everything easily and digitally: all in one place — no paperwork, no hassle.

Tailored coverage for your team: enable upgrades using your benefits balance, with no added cost to the company.

Health insurance is the most sought-after benefit in Portugal.

90%

of medium and large companies already offer health insurance.

Dedicated 24/7 support: expert help always available via chat or email.

Smart assistant included: get quick answers to insurance questions with AI technology.

In-house medical support: a doctor on the team to clarify clinical queries during the process.

book demo

Connected to the whole market, to give you more choice

book demo

request a quote

Because looking after people is good business

Makes life easier for both managers and employees.
No paperwork. No stress. Just benefits.

Upgrade your coverage in the app using your benefits balance, free from income tax (IRS) and Social Security (SS).

Add family members in seconds, directly through the app — simple, fast, and bureaucracy-free.

Use the Coverflex card to pay for uncovered expenses with your benefits balance. Contactless, belonging to the Visa network, and accepted at hospitals, clinics, and wellness centres.

+230.000

People in Portugal already use Coverflex

3.6M

of people in Portugal have health insurance.

4.7/5

across more than 11,000 reviews

A solution that is worth it
and supports your team

Once you integrate health insurance with Coverflex, you unlock unique tax advantages using your flexible benefits balance.

Pay for healthcare expenses, tax-free – GP visits, exams, prescriptions, and much more — all of this using your Wallet balance.

Get more from what you already offer: by combining insurance + Wallet, the value for your team increases significantly.

Want to understand better how it all fits together?

Read our article on tax efficiency and the power of integrating insurance with benefits.

Together, we're changing your health insurance experience

User friendly, very easy to use. Allows us to manage most of our benefits. Service team is overall supportive. Definitely recommend Coverflex in comparison with other platforms we [had a] demo with. We have been with Coverflex for more than a year now and we're happy.

Sara A.

Head of People

The best card I had so far. The app is excellent. I love using Coverflex.

Andrea P.

Chief Commercial Officer

The most complete all-in-one solution for employee benefits and perks. All meal, non-taxable benefits, budgets and employee perks in one app with great UX/UI.

Miguel S.

Venture Partner

If you don't have Coverflex in your company, you're missing out. It’s excellent - not only the product, but also the sales and support teams. It allows for centralisation and automation of a great deal of organisational bureaucracy, and often at a much cheaper price than the other platforms.

Adriano M.

COO

1. Onboarding is super easy and quick. 2. Pays for itself - both employers and employees save huge amounts of money. 3. Stellar customer service. There are valid alternatives in the market but everyone of them solve a single pain point, whereas Coverflex is a 360 solution: childcare vouchers, meal card, health insurance, you name it.

João B.

Head of Growth

Very intuitive and easy to use. Almost instant chat support when needed. Coverflex is a platform that allows employees to manage their flexible benefits, completely autonomously and on their own timings, which makes a world of difference.

Sofia N.

People Culture Support

Great software. Ease of use, benefits, support, dedicated team.

Jaime J.

CEO

Coverflex greatly reduces administrative work and gives the employee the power to choose what they want to do with the money they have available.

Stellaxius

Head of Finance at Stellaxius

read this story

It is placing the burden of decision making on employees, on what are the benefits valued by our people.

Doutor Finanças

Human Resources Director at Doutor Finanças

read this story

Coverflex had a very positive impact for us, and the platform itself is geared towards the employee: it places them as the decision maker of their own income.

Emma

People Operations Manager at Emma

read this story