Remote Benefits:

Portugal

Remote builds belonging for your global team with comprehensive local plans at competitive rates.

At Remote, we offer country-specific benefits for everyone on your team. Your team members will enjoy comprehensive coverage from top providers while you access competitive rates meant for larger groups — even if you’re still growing!

Please note that a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offer). Find out more.

Local Health Insurance with Tranquilidade

Customers in Portugal may choose between local, international plans, or choose to offer no health benefits. Please note that Allianz plan selection will be available starting March 2026. These benefits are optional in Portugal; however, if you choose to offer a benefit, it must be offered to all of your team members in the country. The local rates provided apply to the period from February 25, 2025 to February 28, 2026. Prices and benefits may change due to business and market conditions. We’ll keep you updated on any changes.

Health Insurance	BASIC PLAN	STANDARD PLAN	PREMIUM PLAN
Health Insurance Family Coverage You can support your team members by directly covering their dependents. Note that the final cost for family coverage may vary based on the number of dependents an employee adds.	BASIC PLAN You pay: Employee Only: €45.40/mo Family coverage (spouse/partner, children 18 to < 24): Each dependent costs €45.40/mo. Family coverage (children < 18): Each dependent costs €35.96/mo. Employee pays: If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy. For Family coverage, the employee pays nothing.	STANDARD PLAN You pay: Employee Only: €51.81/mo Family coverage (spouse/partner, children 18 to < 24): Each dependent costs €51.81/mo. Family coverage (children < 18): Each dependent costs €41.76/mo. Employee pays: If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy. For Family coverage, the employee pays nothing.	PREMIUM PLAN You pay: Employee Only: €76.33/mo Family coverage (spouse/partner, children 18 to < 24): Each dependent costs €76.33/mo. Family coverage (children < 18): Each dependent costs €62.08/mo. Employee pays: If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy. For Family coverage, the employee pays nothing.
Health Insurance In-patient	BASIC PLAN Insured amounts: 50,000 Eur In-network Coverage: 90% paid by insurer; 10% paid by employee, min - 250 Euro, max - 500 Euro Out-of-network Coverage: 50% paid by insurer; 50% paid by employee	STANDARD PLAN Same as Basic Plan	PREMIUM PLAN Same as Basic Plan
Health Insurance Childbirth and delivery	BASIC PLAN Insured amounts: 2,500 Euro In-network Coverage: 90% paid by insurer; 10% paid by employee Out-of-network Coverage: 50% paid by insurer; 50% paid by employee	STANDARD PLAN Same as Basic Plan	PREMIUM PLAN Same as Basic Plan plus increased insured amount: Insured amounts: 3,000 Euro
Health Insurance Out - patient	BASIC PLAN Insured amount: 2,000 Euro In-network Coverage: Medical appointments: 18,50 Euro paid by employee Emergency medical appointments: 45 Euro paid by employee Exams: 10% min paid by employee Physiotherapy: 10 Euro/session paid by employee (up to 500 Euro) Speech therapy and kinesiotherapy: 10 Euro/session paid by employee (up to 6 sessions) Other exams and expenses: 90% paid by the insurer, 10% paid by employee; Out-of-network Coverage: Medical appointments: Max amount reimbursed per appointment is 35 Euro Emergency medical appointments: Max amount reimbursed per appointment is 45 Euro Physiotherapy: 35% paid by insurer; 65% paid by employee (up to 500 Euro) Speech therapy and kinesiotherapy: 35% paid by insurer; 65% paid by employee (up to 6 sessions) Other exams and expenses: 50% paid by insurer; 50% paid by employee	STANDARD PLAN Same as Basic Plan	PREMIUM PLAN Same as Basic Plan plus increased insured amount: Insured amounts: 5,000 Euro
Health Insurance Dental Insurance	BASIC PLAN Insured amount: 500 Euro In Network - Visits: 10 Euro per medical act paid by employee Other Expenses - In Network: 80% paid by insurer; 20% paid by client Out Network coverage: 50% paid by insurer; 50% paid by employee	STANDARD PLAN Same as Basic Plan	PREMIUM PLAN Same as Basic Plan plus increased insured amount: Insured amount: 1,000 Euro
Health Insurance Prostheses and orthotheses (Includes Vision Insurance)	BASIC PLAN N/A	STANDARD PLAN Total insured amount: 1000 Euro Vision Insured amount: 250 Euro - 80% paid by insurer; 20% paid by client Covers: The cost-sharing of expenses for glasses and contact lenses, orthopedic and auditory prostheses and orthoses, and the rental or purchase of wheelchairs and adjustable beds. This coverage only works outside of the network, so through the request of reimbursements.	PREMIUM PLAN Same as Standard Plan
Health Insurance Medicines	BASIC PLAN N/A	STANDARD PLAN N/A	PREMIUM PLAN Insured amounts: 250 Euro - 80% paid by insurer; 20% paid by client Covers: Reimbursement of expenses incurred for medications, registered with INFARMED or similar entities, provided they are prescribed by a doctor. Deductible per revenue 3 EUR
Health Insurance Serious illness	BASIC PLAN N/A	STANDARD PLAN N/A	PREMIUM PLAN Insured amount: €1,000,000 Covers: This coverage ensures, up to the fixed amount specified in the General and Special Conditions, the payment of expenses incurred by the Insured Person for diagnoses, treatments, hospitalizations, services, or medical prescriptions deemed clinically necessary, when these are a result or consequence of any of the Critical Illnesses or clinical situations as indicated in the Special Condition. This is applicable only if the first symptoms and their respective diagnosis occur during the coverage period, following the expiration of the waiting period. Covered Diseases under Serious Illness Coverage: Treatment of cancer, including in-situ cancer and pre-cancerous conditions (excluding tumors related to HIV, skin cancer except malignant melanoma, and papillary bladder cancer). Neurosurgery: surgical intervention on the skull or other intracranial structures, and treatment of benign tumor located in the spinal cord. Coronary artery bypass surgery (myocardial revascularization) involving at least 2 coronary arteries. Replacement of a heart valve (valve repair is excluded). Organ transplantation: transplantation of organs from a living donor and transplantation of organs from a deceased donor, including the heart.
Health Insurance Grace Periods	BASIC PLAN According to Remote’s policy, no grace periods will be applied to employees, except for the Serious Illness coverage. The employee’s family unit may also be exempt as long as it is added on the employee’s starting date or during the qualifying life event timeline in case of getting married or having a baby. Hospitalization: 90 days Birth: 365 days Outpatient assistance: 90 days Dental: 90 days	STANDARD PLAN According to Remote’s policy, no grace periods will be applied to employees, except for the Serious Illness coverage. The employee’s family unit may also be exempt as long as it is added on the employee’s starting date or during the qualifying life event timeline in case of getting married or having a baby. Hospitalization: 90 days Birth: 365 days Outpatient assistance: 90 days Dental: 90 days Prostheses & Vision: 90 days	PREMIUM PLAN According to Remote’s policy, no grace periods will be applied to employees, except for the Serious Illness coverage. The employee’s family unit may also be exempt as long as it is added on the employee’s starting date or during the qualifying life event timeline in case of getting married or having a baby. Hospitalization: 90 days Birth: 365 days Outpatient assistance: 90 days Dental: 90 days Prostheses, Vision: 90 days Medicines: 90 days Serious illness: 180 days [This grace period will always apply]
Health Insurance Pre-existing conditions	BASIC PLAN Coverage for pre-existing conditions is not automatically guaranteed. This is standard across all insurers and applies equally to everyone, including Remote and its clients. To request coverage for a pre-existing condition, the following criteria must be met: You must have had continuous insurance coverage for over one year Your new policy must start the day after your previous one ends (no gaps nor overlaps) Your previous insurance must have included at least €50,000 in hospitalisation coverage Please note: Cases involving pre-existing conditions are reviewed individually by the insurer. There is always a risk of exclusion, even if the above criteria are met.	STANDARD PLAN Same as Basic Plan	PREMIUM PLAN Same as Basic Plan

Global Health Insurance with Allianz

The rates listed here are for the May 1, 2025, to April 30, 2026 policy year. Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place. If you have any questions, you can reach out to us.

Starting May 1, 2025, a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

Standard Plan

$123.17 USD /month

Premium Plan

$157.08 USD/month

Gold Plan

$186.83 USD/month

Platinum Plan

$206.5 USD/month

Price & Coverage Options
You pay:

Employee Only: $123.17/mo
Family coverage (spouse/partner, children): Ranges from $184.75 to $369.5/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $123.17/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Price & Coverage Options

You pay:

Employee Only: $157.08/mo
Family coverage (spouse/partner, children): Ranges from $235.63 to $471.25/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $157.08/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Price & Coverage Options

You pay:

Employee Only: $186.83/mo
Family coverage (spouse/partner, children): Ranges from $280.25 to $560.5/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $186.83/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Price & Coverage Options

You pay:

Employee Only: $206.5/mo
Family coverage (spouse/partner, children): Ranges from $309.75 to $619.5/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $206.5/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Inpatient Coverage
Cover Limit: $1M

Includes hospital room charges, nursing care, surgical procedures, and medications administered during the hospital stay.

Full refunds are available for intensive care, prescription drugs and materials, surgical fees, including anesthesia, physician and therapist fees, surgical appliances, diagnostic tests (for in-patient and day-care treatments only), organ transplants, and more.

Inpatient Coverage
Cover Limit: $1M

Same as Standard

Inpatient Coverage
Cover Limit: $2.5M

Same as Standard but with a coverage limit of 2.5M USD.

Inpatient Coverage
Cover Limit: $5M

Same as Standard but with a coverage limit of 5M USD.

Outpatient Coverage
Cover Limit: $3,500

Includes doctor's visits, diagnostic tests, specialist consultations, outpatient surgeries, therapy sessions, prescription medications, and more.

Outpatient Coverage
Cover Limit: $5,060

Same as Standard, with higher cover limit.

Outpatient Coverage
Cover Limit: $6,000

Same as Standard, with higher cover limit.

Outpatient Coverage
Cover Limit: $15,000

Same as Standard, with higher cover limit.

Deductible
$135

Employee pays the first $135 out-of-pocket for outpatient services before their insurance coverage starts to contribute.

Deductible
$0

Employee receives immediate insurance coverage for outpatient services without any initial out-of-pocket payment.

Deductible
$0
Same as Premium

Deductible

Same as Premium

Employee Assistance Program (EAP)
Includes access to multilingual mental health, legal, and financial counseling via phone, video, or in-person. Additionally, a wellness website, fitness app, and 24/7 support in multiple languages are provided.

Employee Assistance Program (EAP)

Same as Standard

Employee Assistance Program (EAP)

Same as Standard

Employee Assistance Program (EAP)

Same as Standard

Maternity

Maternity coverage includes a limit of $6,000 for related medical expenses.

Maternity

Same as Standard

Maternity

Same as Standard

Maternity

Maternity coverage includes a limit of $10,000 for related medical expenses.

Prescribed Physiotherapy

Up to $600 (10 visits)

Prescribed Physiotherapy

Same as Standard

Prescribed Physiotherapy

Up to $1275 (10 visits)

Prescribed Physiotherapy

Up to $2500 (20 visits)

Prescription drugs

Up to $1,350

Prescription drugs

Same as Standard

Prescription drugs

Same as Standard

Prescription drugs

Full refund

Vaccinations, health checks, cancer screening, dietician fees
$300 for each treatment

Vaccinations, health checks, cancer screening, dietician fees

$500 for each treatment

Vaccinations, health checks, cancer screening, dietician fees

$300 for each treatment

Vaccinations, health checks, cancer screening, dietician fees

$500 for each treatment

Vision Insurance

Not covered

Vision Insurance

Coverage Limit: $250

Includes eye examination and prescribed glasses and contact lenses.

Vision Insurance

Same as Premium

Vision Insurance

Coverage Limit: $500

Includes eye examination and prescribed glasses and contact lenses.

Dental Insurance

Not covered

Dental Insurance

Coverage Limit: $1000

Includes routine, preventive and restorative treatments as well as periodontics.

Dental Insurance

Same as Premium

Dental Insurance

Coverage Limit: $2500

Includes routine, preventive and restorative treatments as well as periodontics.

For more detailed information on the Standard Plan, please refer to the table of benefits.

For more detailed information on the Premium Plan, please refer to the table of benefits.

For more detailed information on the Gold Plan, please refer to the table of benefits.

For more detailed information on the Platinum Plan, please refer to the table of benefits.

Standard Plan

$123.17 USD /month

Price & Coverage Options
You pay:

Employee Only: $123.17/mo
Family coverage (spouse/partner, children): Ranges from $184.75 to $369.5/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $123.17/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Premium Plan

$157.08 USD/month

Price & Coverage Options

You pay:

Employee Only: $157.08/mo
Family coverage (spouse/partner, children): Ranges from $235.63 to $471.25/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $157.08/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Gold Plan

$186.83 USD/month

Price & Coverage Options

You pay:

Employee Only: $186.83/mo
Family coverage (spouse/partner, children): Ranges from $280.25 to $560.5/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $186.83/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Platinum Plan

$206.5 USD/month

Price & Coverage Options

You pay:

Employee Only: $206.5/mo
Family coverage (spouse/partner, children): Ranges from $309.75 to $619.5/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $206.5/mo).

Employee pays:

If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
For Family coverage, the employee pays nothing.

Standard Plan

$123.17 USD /month

Inpatient Coverage
Cover Limit: $1M

Includes hospital room charges, nursing care, surgical procedures, and medications administered during the hospital stay.

Premium Plan

$157.08 USD/month

Inpatient Coverage
Cover Limit: $1M

Same as Standard

Gold Plan

$186.83 USD/month

Inpatient Coverage
Cover Limit: $2.5M

Same as Standard but with a coverage limit of 2.5M USD.

Platinum Plan

$206.5 USD/month

Inpatient Coverage
Cover Limit: $5M

Same as Standard but with a coverage limit of 5M USD.

Standard Plan

$123.17 USD /month

Outpatient Coverage
Cover Limit: $3,500

Includes doctor's visits, diagnostic tests, specialist consultations, outpatient surgeries, therapy sessions, prescription medications, and more.

Premium Plan

$157.08 USD/month

Outpatient Coverage
Cover Limit: $5,060

Same as Standard, with higher cover limit.

Gold Plan

$186.83 USD/month

Outpatient Coverage
Cover Limit: $6,000

Same as Standard, with higher cover limit.

Platinum Plan

$206.5 USD/month

Outpatient Coverage
Cover Limit: $15,000

Same as Standard, with higher cover limit.

Standard Plan

$123.17 USD /month

Deductible
$135

Employee pays the first $135 out-of-pocket for outpatient services before their insurance coverage starts to contribute.

Premium Plan

$157.08 USD/month

Deductible
$0

Employee receives immediate insurance coverage for outpatient services without any initial out-of-pocket payment.

Gold Plan

$186.83 USD/month

Deductible
$0
Same as Premium

Platinum Plan

$206.5 USD/month

Deductible

Same as Premium

Standard Plan

$123.17 USD /month

Premium Plan

$157.08 USD/month

Employee Assistance Program (EAP)

Same as Standard

Gold Plan

$186.83 USD/month

Employee Assistance Program (EAP)

Same as Standard

Platinum Plan

$206.5 USD/month

Employee Assistance Program (EAP)

Same as Standard

Standard Plan

$123.17 USD /month

Maternity

Maternity coverage includes a limit of $6,000 for related medical expenses.

Premium Plan

$157.08 USD/month

Maternity

Same as Standard

Gold Plan

$186.83 USD/month

Maternity

Same as Standard

Platinum Plan

$206.5 USD/month

Maternity

Maternity coverage includes a limit of $10,000 for related medical expenses.

Standard Plan

$123.17 USD /month

Prescribed Physiotherapy

Up to $600 (10 visits)

Premium Plan

$157.08 USD/month

Prescribed Physiotherapy

Same as Standard

Gold Plan

$186.83 USD/month

Prescribed Physiotherapy

Up to $1275 (10 visits)

Platinum Plan

$206.5 USD/month

Prescribed Physiotherapy

Up to $2500 (20 visits)

Standard Plan

$123.17 USD /month

Prescription drugs

Up to $1,350

Premium Plan

$157.08 USD/month

Prescription drugs

Same as Standard

Gold Plan

$186.83 USD/month

Prescription drugs

Same as Standard

Platinum Plan

$206.5 USD/month

Prescription drugs

Full refund

Standard Plan

$123.17 USD /month

Vaccinations, health checks, cancer screening, dietician fees
$300 for each treatment

Premium Plan

$157.08 USD/month

Vaccinations, health checks, cancer screening, dietician fees

$500 for each treatment

Gold Plan

$186.83 USD/month

Vaccinations, health checks, cancer screening, dietician fees

$300 for each treatment

Platinum Plan

$206.5 USD/month

Vaccinations, health checks, cancer screening, dietician fees

$500 for each treatment

Standard Plan

$123.17 USD /month

Vision Insurance

Not covered

Premium Plan

$157.08 USD/month

Vision Insurance

Coverage Limit: $250

Includes eye examination and prescribed glasses and contact lenses.

Gold Plan

$186.83 USD/month

Vision Insurance

Same as Premium

Platinum Plan

$206.5 USD/month

Vision Insurance

Coverage Limit: $500

Includes eye examination and prescribed glasses and contact lenses.

Standard Plan

$123.17 USD /month

Dental Insurance

Not covered

Premium Plan

$157.08 USD/month

Dental Insurance

Coverage Limit: $1000

Includes routine, preventive and restorative treatments as well as periodontics.

Gold Plan

$186.83 USD/month

Dental Insurance

Same as Premium

Platinum Plan

$206.5 USD/month

Dental Insurance

Coverage Limit: $2500

Includes routine, preventive and restorative treatments as well as periodontics.

Standard Plan

$123.17 USD /month

For more detailed information on the Standard Plan, please refer to the table of benefits.

Premium Plan

$157.08 USD/month

For more detailed information on the Premium Plan, please refer to the table of benefits.

Gold Plan

$186.83 USD/month

For more detailed information on the Gold Plan, please refer to the table of benefits.

Platinum Plan

$206.5 USD/month

For more detailed information on the Platinum Plan, please refer to the table of benefits.

Meal Benefit

Providing a meal benefit is mandatory for all our clients hiring in Portugal. You have a choice between providing a meal card benefit, managed through the Benefit platform called Coverflex, or a meal allowance, that would appear directly on their payslip. Details on the options below:

Meal Card Standard €7.63 per working day
Meal Card Premium €10.20 per working day (*)
Meal Allowance Standard €4.77 per working day.
Meal Allowance Premium €6.00 per working day (*)

(*) If you opt for the Premium Meal Plan, the selected amount will be adjusted with each update in legislation pertaining to the maximum exempt amount in the country. Note that the amount has increased from €9.60 to €10.20 effective January 2025.

Offering a meal card provides tax benefits to both the employer and employee.
Meal Benefit can not be waived by employees.

Remote Coverflex Wallet Benefit

Effective March 1 2026, Remote has partnered with Coverflex to provide the Coverflex Wallet Benefit for your team
The Coverflex platform is available on both desktop and mobile, allowing employees to access a wide variety of benefits, including:

Gym
PPR (Personal Pension Plans)
Health
Educational Expenses
Technology

Clients can choose to offer the Coverflex Wallet Benefit and select from multiple contribution levels. Once a plan is selected, employees are automatically enrolled, and the company will be charged monthly. Employees have the option to opt out at any time, in which case enrollment will be terminated and charges will stop effective from the following month.

The allowance is subject to taxation based on actual usage. In many cases, these benefits may come with tax advantages, but the exact treatment will depend on how the allowance is used.

Pricing and benefits are subject to change based on business and market conditions. Any updates will be communicated to clients as they occur.

Service Fee: The Benefits Service Fee of $15 per enrolled employee per month applies (a single fee regardless of the number of benefits offered).

Start and End Date of the Coverflex Wallet Benefit

Start date: Employees will be enrolled in the Coverflex Wallet Benefit from the 1st day of the month following their employment start date.
Example: If an employee starts on July 15, their benefit will begin on August 1. The benefit card will be topped up between the 5th and 7th of that month.
End date: Employees Coverflex Wallet Benefit will be topped up with the full monthly amount and will remain active until their last working day, when access to Coverflex will be terminated. Benefits are not pro-rated in the final month.
Example: If an employee ends on August 20, their wallet will be topped up with the full August allowance and remain available until August 20. After this date, access to Coverflex will be terminated, and any unused balance will no longer be available.

PLAN

DESCRIPTION

€25 Coverflex Wallet Plan

You will be granting your team members a €25 monthly wallet, which they can use through the Coverflex platform. Team members can use their monthly budget either by paying with the Coverflex card or by requesting a reimbursement, depending on the benefit category and the enabled benefits, such as gym, PPR (Personal Pension Plans), health, educational expenses, and technology.

€50 Coverflex Wallet Plan

You will be granting your team members a €50 monthly wallet, which they can use through the Coverflex platform. Team members can use their monthly budget either by paying with the Coverflex card or by requesting a reimbursement, depending on the benefit category and the enabled benefits, such as gym, PPR (Personal Pension Plans), health, educational expenses, and technology.

€100 Coverflex Wallet Plan

You will be granting your team members a €100 monthly wallet, which they can use through the Coverflex platform. Team members can use their monthly budget either by paying with the Coverflex card or by requesting a reimbursement, depending on the benefit category and the enabled benefits, such as gym, PPR (Personal Pension Plans), health, educational expenses, and technology.

€150 Coverflex Wallet Plan

You will be granting your team members a €150 monthly wallet, which they can use through the Coverflex platform. Team members can use their monthly budget either by paying with the Coverflex card or by requesting a reimbursement, depending on the benefit category and the enabled benefits, such as gym, PPR (Personal Pension Plans), health, educational expenses, and technology.

€200 Coverflex Wallet Plan

You will be granting your team members a €200 monthly wallet, which they can use through the Coverflex platform. Team members can use their monthly budget either by paying with the Coverflex card or by requesting a reimbursement, depending on the benefit category and the enabled benefits, such as gym, PPR (Personal Pension Plans), health, educational expenses, and technology.

€250 Coverflex Wallet Plan

You will be granting your team members a €250 monthly wallet, which they can use through the Coverflex platform. Team members can use their monthly budget either by paying with the Coverflex card or by requesting a reimbursement, depending on the benefit category and the enabled benefits, such as gym, PPR (Personal Pension Plans), health, educational expenses, and technology.

€300 Coverflex Wallet Plan

You will be granting your team members a €300 monthly wallet, which they can use through the Coverflex platform. Team members can use their monthly budget either by paying with the Coverflex card or by requesting a reimbursement, depending on the benefit category and the enabled benefits, such as gym, PPR (Personal Pension Plans), health, educational expenses, and technology.

PLAN

€25 Coverflex Wallet Plan

DESCRIPTION

PLAN

€50 Coverflex Wallet Plan

DESCRIPTION

PLAN

€100 Coverflex Wallet Plan

DESCRIPTION

PLAN

€150 Coverflex Wallet Plan

DESCRIPTION

PLAN

€200 Coverflex Wallet Plan

DESCRIPTION

PLAN

€250 Coverflex Wallet Plan

DESCRIPTION

PLAN

€300 Coverflex Wallet Plan

DESCRIPTION

Remote Life Insurance Plans

Customers may elect to offer the below global life insurance benefits to employees and can choose between the basic and comprehensive plans.

Remote has partnered with Allianz as our benefits provider for global life insurance coverage.

It is essential to be aware that in certain countries:

Insurance Premium Taxes may be applicable. This means you may pay taxes on the monthly premiums you pay towards the life insurance coverage for your employees.
Life insurance benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the life insurance coverage, might be counted as part of the employee's taxable income according to the local tax laws.

The rates listed here are for January 1, 2024, to April 30, 2026 policy year. Pricing and benefits are subject to change in response to business and market changes, and we will update you when those changes take place.

Starting May 1, 2025, a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered).

BASIC PLAN

COMPREHENSIVE PLAN

Life Insurance

Description: Life cover provides financial protection and security for beneficiaries after the death of an insured employee.

Payout: In the unfortunate event of an employee's demise, beneficiary compensation cannot exceed 6 times the employee's annual salary or the chosen cover level (whichever is lower).

Same as the Basic plan.

Accidental Death & Dismemberment (AD&D)

Description: The AD&D insurance offers financial protection to beneficiaries in the unfortunate events of an insured employee's accidental death or dismemberment.

Payout: Compensation cannot exceed 5 times the employee's annual salary or the chosen cover level (whichever is lower). The exact payout varies depending on the type of injury sustained, as specified in the Accidental Dismemberment Table. The employee or beneficiary will receive a percentage of the capped compensation amount, in accordance with the guidelines outlined in the table.

Learn more about payout procedures.

Permanent Disability

Description: The Permanent Disability insurance is designed to offer financial support to insured employees who suffer from either permanent and total or permanent and partial disabilities as a result of an accident or illness.

Payout: Compensation cannot exceed 5 times the employee's annual salary or the chosen cover level (whichever is lower). The insurance provider assesses the extent of the permanent disability to determine the final compensation:

For disabilities below 33.33%, no compensation is provided.
Disabilities falling between 33.33% and 66.67% result in compensation calculated as a percentage of the capped amount.
Permanent disabilities exceeding 66.67% receive the full capped compensation amount.

Learn more about payout procedures.

Cover Levels and Premiums

Insurance Coverage and Monthly Premiums:

up to $50k: $5.64
up to $100k: $11.28
up to $200k: $22.56
up to $400k: $45.12
up to $500k: $56.40
up to $600k: $67.68

Insurance Premium Taxes are applicable in a few countries. Learn more.

Insurance Coverage and Monthly Premiums:

up to $50k: $12.04
up to $100k: $24.08
up to $200k: $48.14
up to $400k: $96.28
up to $500k: $120.36
up to $600k: $144.43

Insurance Premium Taxes are applicable in a few countries. Learn more.

Life Insurance

BASIC PLAN

Description: Life cover provides financial protection and security for beneficiaries after the death of an insured employee.

Payout: In the unfortunate event of an employee's demise, beneficiary compensation cannot exceed 6 times the employee's annual salary or the chosen cover level (whichever is lower).

COMPREHENSIVE PLAN

Same as the Basic plan.

Accidental Death & Dismemberment (AD&D)

BASIC PLAN

COMPREHENSIVE PLAN

Description: The AD&D insurance offers financial protection to beneficiaries in the unfortunate events of an insured employee's accidental death or dismemberment.

Learn more about payout procedures.

Permanent Disability

BASIC PLAN

COMPREHENSIVE PLAN

For disabilities below 33.33%, no compensation is provided.
Disabilities falling between 33.33% and 66.67% result in compensation calculated as a percentage of the capped amount.
Permanent disabilities exceeding 66.67% receive the full capped compensation amount.

Learn more about payout procedures.

Cover Levels and Premiums

BASIC PLAN

Insurance Coverage and Monthly Premiums:

up to $50k: $5.64
up to $100k: $11.28
up to $200k: $22.56
up to $400k: $45.12
up to $500k: $56.40
up to $600k: $67.68

Insurance Premium Taxes are applicable in a few countries. Learn more.

COMPREHENSIVE PLAN

Insurance Coverage and Monthly Premiums:

up to $50k: $12.04
up to $100k: $24.08
up to $200k: $48.14
up to $400k: $96.28
up to $500k: $120.36
up to $600k: $144.43

Insurance Premium Taxes are applicable in a few countries. Learn more.

Exclusions: Please note that certain exclusions, as outlined in this help article, apply to our global life insurance policy.

Currency: Prices listed in USD, local currency equivalent will be determined based on exchange rate at the time of invoicing.

Remote Mental Health Program

The rates listed here are for July 1, 2024, to April 30, 2026 policy year.

Remote has partnered with Oliva, the UK & Europe's #1 rated employee mental wellbeing platform. Oliva is available on desktop and as a mobile app and it includes:

1-to-1 therapy with a curated pool of top-quality therapists (35+ languages available)
Advanced matching service to find each employee the right therapist for them within 48 hours (98% success rate)
Personal wellbeing profile with tailored recommendations and info to track progress
Curated self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, Oliva Talks, podcasts on workplace wellbeing, and micro-learning content series for managers
24/7 mental health helplines for when an employee is struggling and needs to talk to someone immediately
and more

Customers may elect to offer the mental health program benefits to their teams and can choose among 5 different plans. If one of the mental health benefit is offered, the employee will automatically be enrolled and you will be charged for it monthly. However, employees have the option to opt out of the benefit. If they choose to do so, they will be unenrolled and charges will stop effective from the next month.

It is essential to be aware that in certain countries, Mental Health benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the benefit, might be counted as part of the employee's taxable income according to the local tax laws.

Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

Currency: Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.

Starting May 1, 2025, a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered).

Basic Mental Health Program $3.00/MO.	Standard Mental Health Program $8.47/MO.	Plus Mental Health Program $15.70/MO.	Premium Mental Health Program $22.70/MO.	Platinum Mental Health Program $35.83/MO.
Basic Mental Health Program $3.00/MO. Platform Access Only This plan does not include pre-paid Therapy / Coaching sessions. Personalized therapist matching service (35+ languages) Wellbeing profile Access to world-class self-guided content (yoga, meditations, Oliva Talks, podcasts, micro-learning series for managers) 24/7 mental health helplines Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session)	Standard Mental Health Program $8.47/MO. Includes: Everything in the ‘Basic Mental Health Program’ tier This plan includes one pre-paid Therapy / Coaching session that your team member can use during the policy year. Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session)	Plus Mental Health Program $15.70/MO. Includes: Everything in the ‘Basic Mental Health Program’ tier This plan includes three pre-paid Therapy / Coaching sessions that your team member can use during the policy year. Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session)	Premium Mental Health Program $22.70/MO. Includes: Everything in the ‘Basic Mental Health Program’ tier This plan includes six pre-paid Therapy / Coaching sessions that your team member can use during the policy year. Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session)	Platinum Mental Health Program $35.83/MO. Includes: Everything in the ‘Basic Mental Health Program’ tier This plan includes twelve pre-paid Therapy / Coaching sessions that your team member can use during the policy year. Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session)	Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session)

Remote Global Business Travel Insurance

The rates listed here are for November 1, 2024, to April 30, 2026.

Remote has partnered with Expatriate Group, a specialized insurance provider offering comprehensive business travel insurance solutions designed for global businesses. Remote's business travel is a Multi-trip Insurance and it includes:

Emergency Medical Support with access to emergency medical care and evacuation services in case of illness or injury while traveling.
Baggage and Business Equipment Coverage that protects personal belongings and essential business equipment during travel
Travel Delay and Trip Cancellation for unexpected travel delays or cancellations
Personal Liability and Accidental Death with coverage up $100,000 per trip across all plans.
Access to a 24/7 helpline, providing immediate assistance for travel emergencies, medical support, and more, no matter where employees are in the world.
Up to 42 days of annual Multi-Trip coverage.
and more.

Customers can offer Global Business Travel Insurance to selected employees, choosing from five levels of coverage. This insurance can be provided on an individual basis, without needing to offer it to the entire team. However, the chosen plan must be consistent for all eligible employees within the same country. Employees also have the option to opt-out, and if they do, their coverage and charges will end in the following billing cycle.

Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.

If you have any questions, you can reach out to us.

Important:

Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.
For terminated employees, billing will cease as of the last day of the month. However, if during the active policy, the employee files a claim, the monthly premium will continue until next renewal.
Once the benefits is selected, it is a one-year commitment or until the next renewal, whichever comes first. You will not be able to opt out of the plan until this time period has been reached. If you do not cancel the coverage during this period, it will automatically renew.
All claims payment are made to the employees by the insurance company directly
Access comprehensive plan comparison here and our policy wording.

Starting May 1, 2025, a Benefits Service Fee of $15 USD per enrolled employee per month applies (a single fee applies regardless of the number of benefits you offered). Find out more.

COVERAGE DESCRIPTION

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

Emergency & Accidental Medical

$1,000,000

Repatriation for Medical Treatment

100% per Trip

Emergency Medical Evacuation

$100,000

Repatriation of Mortal Remains

$25,000 per Trip

Pre-existing medical conditions

Stable Pre-Existing Medical Condition covered up to $50,000

Baggage Delay

$100 per day up to $700 per Trip *Does not apply to one-way trips

Personal Liability

$100,000 per Trip

Accidental Death & Permanent Total Disability

$100,000 per Trip

Loss of Passport

$250 per Trip

Legal Expenses

$10,000 per Trip

Hijacking

$1,000 per Trip

Cancellation & Curtailment

$2,000 per Trip; subject to$100 Deductible per Trip *Benefit not available to residents of the USA

Compassionate Repatriation

$6,000 per Trip

Business Equipment

Up to $1,500

Computer Equipment Single Item Limit

$500.00

Business Money

$100 per day up to $500

Domestic Business Travel

Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude Medical Treatment & Evacuation benefits.

COVERAGE DESCRIPTION

Emergency & Accidental Medical

BASIC

$11.45/MO.

$1,000,000

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$1,000,000

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$1,000,000

COVERAGE DESCRIPTION

Repatriation for Medical Treatment

BASIC

$11.45/MO.

100% per Trip

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

100% per Trip

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

100% per Trip

COVERAGE DESCRIPTION

Emergency Medical Evacuation

BASIC

$11.45/MO.

$100,000

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$100,000

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$100,000

COVERAGE DESCRIPTION

Repatriation of Mortal Remains

BASIC

$11.45/MO.

$25,000 per Trip

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$25,000 per Trip

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$25,000 per Trip

COVERAGE DESCRIPTION

Pre-existing medical conditions

BASIC

$11.45/MO.

Stable Pre-Existing Medical Condition covered up to $50,000

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

Stable Pre-Existing Medical Condition covered up to $50,000

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

Stable Pre-Existing Medical Condition covered up to $50,000

COVERAGE DESCRIPTION

Baggage Delay

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$100 per day up to $700 per Trip *Does not apply to one-way trips

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$100 per day up to $700 per Trip *Does not apply to one-way trips

COVERAGE DESCRIPTION

Personal Liability

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$100,000 per Trip

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$100,000 per Trip

COVERAGE DESCRIPTION

Accidental Death & Permanent Total Disability

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$100,000 per Trip

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$100,000 per Trip

COVERAGE DESCRIPTION

Loss of Passport

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$250 per Trip

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$250 per Trip

COVERAGE DESCRIPTION

Legal Expenses

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$10,000 per Trip

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$10,000 per Trip

COVERAGE DESCRIPTION

Hijacking

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$1,000 per Trip

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$1,000 per Trip

COVERAGE DESCRIPTION

Cancellation & Curtailment

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$2,000 per Trip; subject to$100 Deductible per Trip *Benefit not available to residents of the USA

COVERAGE DESCRIPTION

Compassionate Repatriation

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$6,000 per Trip

COVERAGE DESCRIPTION

Business Equipment

BASIC

$11.45/MO.

Up to $1,500

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

Up to $1,500

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

Up to $1,500

COVERAGE DESCRIPTION

Computer Equipment Single Item Limit

BASIC

$11.45/MO.

$500.00

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$500.00

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$500.00

COVERAGE DESCRIPTION

Business Money

BASIC

$11.45/MO.

$100 per day up to $500

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

$100 per day up to $500

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

$100 per day up to $500

COVERAGE DESCRIPTION

Domestic Business Travel

BASIC

$11.45/MO.

STANDARD
PLUS

$17.59/MO.

(STANDARD: Excluding Medical & Evacuation for $11.57/MO available only for employees enrolled in our global health plan with Allianz)

PREMIUM
PLUS

$21.77/MO.

(PREMIUM : Excluding Medical & Evacuation for $14.47/MO available only for employees enrolled in our global health plan with Allianz)

Remote’s Benefits Practices

Remote supports our clients by offering competitive benefits packages that will help you attract and retain the best talent across the globe! Our benefits specialists have done the research on norms and requirements in each local market and have crafted packages that will allow your employees to thrive, no matter what country they live in.

Our core benefits (which often include things like healthcare) are required in most countries where we hire. We do not require customers to offer health benefits in Portugal due to its strong public system and local laws that protect us (and you!) against claims of discriminatory hiring practices. However, we do recommend that employers in Portugal offer benefits to their employees, which allows them to access a wider range of options for providers and specialists as well as significantly shorter wait times. We do not add a markup on any benefits premiums or administration costs.

If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!

Understanding Hiring in Portugal

In Portugal, 90%* of employers offer supplemental health insurance to their workforce. Although the country has a public health system, supplemental health insurance provides employees with access to a wider range of options for providers and specialists, as well as significantly shorter wait times. Our plans also offer global coverage (excluding the US) to protect your employees when they are traveling outside their home country. (*based on 3rd-party market research from our partners)
Meal Cards: Meal cards are a common and expected benefit in Portugal. They are used to cover the cost of employee meals during work days. They also offer tax benefits to employers and employees. Meal cards are tax-free up to €9.60 EUR per working day.
You will be able to select benefits options when onboarding your employee. From there, the employee will be enrolled and contacted with more information about their plan. Remote takes care of all the administration work so you can focus on scaling your global team!

TCE in Portugal

If you’re ready to hire a new employee in Portugal, you may have generated or received a Total Cost of Employment quote to get an estimate of what it might cost. If you haven’t, you can do so with our handy Cost Calculator tool now!

Employers hiring in Portugal must pay for social contributions mandated by the government. These costs are automatically applied during payroll:

Social Security
Labour Accident Insurance
Wage Guarantee Fund (WGF)

The exact cost of the government contributions listed above can be found by using the Cost Calculator.

For more information about hiring employees in Portugal, see our country hiring guide at https://remote.com/country-explorer/portugal.

Learn more about Remote benefits

How do benefits work when hiring through an EOR?

Watch this quick explainer video to understand how offering benefits works when you hire team members through an employer of record like Remote.