Coverflex Insurance
The best health insurance experience in Portugal
No bureaucracy, all on the same platform where you manage your other benefits. Now with up to 30% off health, life and accident protection insurance, until 31 December.
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.
#1
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.
Health insurance, flexible benefits and meal card: all on the same app, for maximum tax savings.
Connected to the whole market, to give you more choice
Because looking after people is good business
Makes life easier for both managers and employees.
No paperwork. No stress. Just benefits.
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 + flexible benefits, 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
Within the platform, employees can manage their household and dependents. They receive notifications upon enrollment in or removal from the health insurance. This is fantastic and brings much more trust to a process that was previously unreliable.
Joana Dias
Total Rewards Analyst at Talkdesk
Switching to Coverflex took a lot of the admin work off our plates. Having a platform where we can make these changes ourselves — adding and removing employees — is incredibly important.
Patrícia Costa
People Team at Mindera
We empower employees with a lot of control, but crucially, without losing oversight. Coverflex always notifies HR with the enrollment request, and a dependent is only added to the policy upon our approval. The entire back-and-forth of emails and questions is completely lifted from our shoulders.
João Nuno Graç.
Head of Finance and HR at The British School of Lisbon
We have a ticketing platform where the volume of requests has dropped significantly thanks to Coverflex's automated responses.
Joana Dias
Total Rewards Analyst at Talkdesk
Many employees have no idea how much the company pays for their health insurance. I think platforms like Coverflex make that much more visible through the benefits package.
André Taxa
Head of B2B2C & Affinity Partnerships and Direct Business Lead at Generali Tranquilidade
On the Coverflex app, employees have access to their policy as well as AI support. It's a huge value-add.
João Nuno Graça,
Head of Finance and HR at The British School of Lisbon
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
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It is placing the burden of decision making on employees, on what are the benefits valued by our people.
Doutor Finanças
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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
By people, for people
We are a team of real people building real solutions — with care, expertise, and purpose.
FAQs
How much does it cost to manage insurance with Coverflex?
Can I transfer my current insurance policy and keep the same price? What’s the cost?
What does it mean to transfer my company’s insurance policy to Coverflex?
What insurance products does Coverflex offer besides Health Insurance?
What types of plans do you offer? Can I get a tailored plan?
Do you provide ongoing support and advice to companies?
Can my employees reach out to Coverflex with their questions?
