Reimbursement of fertility treatments in Portugal

Three reimbursement routes exist: (1) Portuguese NHS, free up to age 40 with cumulative eligibility criteria; (2) public co-payment of hormonal medication under prescription (even when treatment is private), typically 37–69%; (3) private health insurance (ADSE, SAMS, Multicare, Médis, AdvanceCare), reimbursing 50–80% depending on plan. Add to those tax deduction (Health category, 15% capped at €1,000 per household in 2024).

The reimbursement hub combines, by treatment, all routes. For IVF/ICSI the calculator estimates: private gross cost, medication co-payment, typical insurance reimbursement, tax deduction, and final net cost. For egg donation most insurances do not cover — net cost approximates gross.

The reimbursement calculator is this site's most-used tool. Enter treatment, IRS bracket, insurance plan, and get net cost per cycle and full pathway (1–3 cycles). Parameters refresh yearly using the Tax Code and DGS co-payment schedules.

Required documents: itemised invoice with taxpayer number (NIF), detailed prescription, valid receipt and (for insurance) medical eligibility statement. For tax: declare via e-Fatura under Health. For NHS: GP or health centre referral — private patients cannot self-enrol.

Reimbursement is not a discount. It is a right that requires correct documentation. If a clinic refuses to issue an itemised invoice with NIF, that is a red flag — report it to ERS. All information in this hub is editorially independent and cross-checked against official sources — CNPMA, Portuguese DGS, SNS, ERS and Law 32/2006. Best-practice recommendations follow European ESHRE and UK NICE NG156 guidance.