The Right Time to Review or Purchase Your Health Insurance
As we approach the end of the year, it is natural to take stock of what has happened and start planning what we want to improve in the coming year. Among personal priorities, family projects, and financial organization, health protection plays a central role, and this is precisely the ideal time to review or take out health insurance.
For companies:
Health insurance is currently one of the benefits most valued by employees and an important differentiating factor in recruiting and retaining talent. It contributes to the well-being of the team, reduces absenteeism, and reinforces the organization's social responsibility. In addition, health insurance expenses for employees are considered tax-deductible, reducing the company's taxable income without creating additional costs for employees when classified as a benefit.
For private individuals:
o seguro de saúde garante acesso rápido a consultas e exames, liberdade de escolha dos prestadores, coberturas de prevenção e apoio em situações imprevistas. As famílias mais jovens valorizam especialmente a cobertura de parto, estomatologia e pediatria, já pessoas de meia-idade e seniores apreciam o acesso facilitado a especialidades, internamento e check-ups regulares. Cada fase da vida tem desafios diferentes e o seguro deve acompanhar essa evolução.
The tax aspect is another reason for reviewing your insurance at this time of year. Health insurance expenses are considered health expenses for income tax purposes and can be deducted at 15% of their value, up to an overall limit of €1,000 per household. In the case of separate taxation, applicable to married couples or civil partnerships, the limit is €500 per taxpayer. This tax framework makes taking out or reviewing these solutions particularly advantageous before preparing the following year's income tax return.
Before renewing or changing insurance, it is essential to assess aspects such as access to online medicine, the specialties included, waiting periods, inpatient and outpatient coverage, the network of providers, the existence of out-of-network reimbursements, and foreseeable needs for 2026. Careful analysis allows you to adjust your protection and ensure that the investment makes sense for both families and businesses.
At Corbroker, we analyze each situation individually. We compare solutions, assess individual and business needs, and propose the option that best protects the client, ensuring security, speed, and efficiency throughout the year.
Reviewing your health insurance at this stage is a way to take care of the present, save for the future, and start the next year with the peace of mind that only adequate protection can offer.
Corbroker – Seguramente consigo.
