Multicare PGT — Diagnóstico pré-implantação reimbursement in Portugal: cover, caps and process
How Multicare (Fidelidade) covers PGT — Diagnóstico pré-implantação in Portugal — 60% reimbursement up to €2,500/year, 12-month waiting period, pre-authorisation.
Editorial cross of the Multicare health policy (Fidelidade group) with PGT — Diagnóstico pré-implantação. We summarise typical cover, the pre-authorisation process and what a couple really pays out of pocket.
This page does not replace your policy wording — that document is binding. For disputes, escalate to your client ombudsman and to the Portuguese ASF insurance regulator.
Multicare cover for PGT — Diagnóstico pré-implantação: what to expect
Indicative cover for PGT — Diagnóstico pré-implantação: 60% reimbursement capped at €2,500/year per insured. Requires written pre-authorisation before the cycle starts. Typical waiting period: 12 months from policy inception.
Largest private network in Portugal. ART typically only covered on Especial / Premium tiers or Multicare Vida.
Common exclusions to confirm: stimulation medication, annual embryo cryopreservation from year 2, treatment outside the in-network panel, second opinions.
What you really pay
For one PGT — Diagnóstico pré-implantação cycle at the editorial average €3,500 (range €2,500–€4,500):
- 60% reimbursement capped at €2,500/year → Multicare covers €2,100
- Couple pays €1,400 out of pocket (plus medication, usually +€1,500–€2,500)
Portuguese residents may additionally deduct 15% of healthcare spend on their IRS return.
Pre-authorisation and reimbursement process
Typical flow: (1) initial consultation — keep the clinical report justifying PGT — Diagnóstico pré-implantação; (2) submit to Multicare via insured portal/app with clinic quote and report; (3) written decision in 5–15 working days with cover and limits; (4) treatment at in-network clinic or self-pay + reimbursement with invoices bearing tax ID and procedure code; (5) bank transfer in 15–30 days.
You may request written review on refusal and escalate to the insurance ombudsman. For corporate plans, your HR contact often accelerates approvals.
Comparing with SNS and other options
Even with insurance: (1) SNS — free for eligible residents, 12–24 month waitlist; (2) compare other insurers on ASF and via independent brokers; (3) clinic in-house plans can stack with insurance for extra discount; (4) financing for the uncovered share (see our financing guides).
For expats and recent residents, international plans (Cigna, Bupa, Allianz Care) usually have broader ART cover but 24-month waiting periods.
Frequently asked questions
Does Multicare reimburse PGT — Diagnóstico pré-implantação?
Indicatively yes on ART-bearing tiers, ~60% up to €2,500/year. Written pre-authorisation required. Confirm in your policy schedule.
Waiting period?
Typically 12 months from inception; can be waived on group plans with continuous prior cover.
Is medication reimbursed?
Usually no — gonadotropins are excluded and should be handled via an SNS prescription (69% co-pay on B tier) for Portuguese residents.
Can I use any clinic?
Only inside Multicare's in-network panel for direct billing. Out-of-network: pay then claim reimbursement up to the cap.
What if the cycle is cancelled?
Depends — some plans only reimburse completed procedures, others include the monitoring phase. The clinic's cancellation policy also matters.
Can I stack IRS tax deduction with insurance?
Yes — IRS deduction applies to the portion you paid (not reimbursed by insurance). Keep invoices with your tax ID.
Fontes e autoridades
Conteúdo verificado com base em reguladores oficiais, sociedades científicas e legislação portuguesa.
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