Persona jubilada sentada frente a su computadora portátil en casa y bebiendo un batido.

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How to retire in Portugal

Retiring in Portugal is easier than you might think, and is an incredibly popular choice for retirees looking for sun, safety, and a calmer pace of life.

However, making the decision to move is only the start and a host of questions come next: Where should you live? Which visa fits your situation? How does healthcare work? 

All these questions can feel a little overwhelming, so we’re here to help walk you through the process.

In this guide, you’ll learn:

* Why Portugal is such a great fit for retirees  
* The best regions to consider, and what they’re really like day-to-day  
* How the D7 visa works, and how AIMA fits into the process  
* What you’ll need for banking and housing when you arrive  
* How healthcare works, and when to use private versus public insurance   
* And the key mistakes to avoid so your move stays smooth

By the end, you’ll know what retiring in Portugal actually involves, and how to prepare with confidence.

Ready? Let’s get into it\!

## **Why choose Portugal?**

Portugal offers a blend that’s hard to match: a **warm climate**, a slower **pace of life**, a low **cost of living**, and a **public healthcare** system that’s respected across Europe. 

It consistently ranks as one of the safest countries in the world, and the **residency process** is beautifully straightforward for most retirees.

**People also love Portugal for**:

* The 10-year Non-Habitual Resident (NHR) tax regime  
* Affordable private healthcare options alongside the public SNS  
* English spoken widely in major cities and expat areas  
* A strong, growing community of retirees who’ve already made the move

Given all these benefits, it’s no surprise that you’ll find **retirees from all around the world** in Portugal, often settling in small communities that feel warm and familiar. 

## **Popular regions to retire in** 

### The Algarve

**Portugal’s southern coast** is the classic retirement choice, offering beaches, golf, sunshine, and large English-speaking communities.

Whilst the weather stays warm year-round, and healthcare is affordable and easy to access, the Algarve can be tourist-heavy in the summer, and property prices are slightly higher than elsewhere. 

### Lisbon & the Cascais Coast

If you want a mix of **culture, convenience, and coastal living**, this region is ideal. 

Lisbon offers museums, restaurants, and international flights, whilst Cascais offers calm, sea views, and walkable neighbourhoods.

The **cost of living is the highest** in Portugal, but in return you’ll have access to some of the **best hospitals** and **public transport networks** in the country\!

### Porto & Northern Portugal

Northern Portugal is a **quieter, cooler region** with a strong sense of **tradition**. Think wine country, river views, and slower daily rhythms.

Housing tends to be more affordable, however there typically are fewer English speakers than you’ll find in Lisbon or the Algarve. 

### Central Portugal

For authenticity and value, Central Portugal is one of the best-kept secrets. Cities like Coimbra, Tomar, and Leiria offer **history, nature, and fewer crowds**.

Some **services may be more restricted** or less accessible in rural areas, however the rich culture and peaceful landscapes make central Portugal perfect for many. 

## Is retiring in Portugal right for you?

Portugal offers a lifestyle that feels easy to love, but, as always, moving abroad always comes with a few trade-offs (including visas, paperwork, and language basics).

**People who settle in well** usually:

* Explore different regions before buying  
* Learn a little Portuguese (you can get by without it, but it goes a long way\!)  
* Understand how healthcare works  
* Prepare early for visa requirements

If Portugal feels like it could be home, the next step is to fill yourself in on visa requirements, and submit your application when ready.

Let’s walk through the details. 

## How to apply for a Retirement Visa (D7)

Most retirees use the **D7 visa**, designed for people with stable passive income (like pensions or investments).

It’s a straightforward process, but before getting started it helps to know what **AIMA** is, and what it.

**AIMA** (Agência para a Integração, Migrações e Asilo) is Portugal’s immigration authority. 

You’ll apply for your visa at your local consulate, but once you arrive in Portugal, AIMA **handles your residence permit** appointment and final approval.

**You’ll need to show**:

* Regular passive income (around **€820/month per person**)  
* Proof of accommodation (rented or owned)  
* Portuguese NIF (tax number)  
* Criminal background check  
* Valid **private health insurance (such as our [expat health insurance](https://feather-insurance.com/en-pt/health-insurance/expat))**  
* Passport and basic documentation

Health insurance is required for the D7 visa and must cover your full stay until you're registered with the public system.

Feather’s [**expat health insurance**](https://feather-insurance.com/en-pt/health-insurance/expat) is designed for people relocating to Portugal. It’s accepted for the D7 visa, easy to set up online, and flexible enough to use while you settle into the SNS.

## Opening a Portuguese bank account

Opening a bank account might seem like a small step, but it’s **essential for visas, rent, and most everyday expenses**.

To open an account, **you’ll need**:

1. Your NIF (tax ID)  
2. Passport  
3. Proof of address  
4. Proof of income or visa documentation

Some banks allow remote setup, whilst others require an in-person visit. Popular options include [Millennium BCP](https://www.millenniumbcp.pt/), [Novo Banco](https://www.novobanco.pt/), and [ActivoBank](https://www.activobank.pt/pt).

## Finding a home: Should you rent or buy?

Once you’ve landed in Portugal and have begun to look for a place to live, you might find yourself wondering whether to rent or buy. 

### Renting

This is the safest way to start, giving you time to learn the area, test the lifestyle, and avoid rushing into big decisions.

Most landlords ask for **2–3 months rent upfront**, **proof of income**, and your **ID and NIF**. 

Platforms like [**Idealista**](https://www.idealista.pt/en/) and [**Imovirtual**](https://housinganywhere.com/s/Lisbon--Portugal) are your best starting points.

### Buying property

Foreigners can buy property freely in Portugal. There are no special restrictions, as there are in some other countries. 

To purchase a house/apartment, **you’ll need**:

* NIF  
* Bank account  
* A lawyer (advogado) for due diligence  
* A notary for the final deed

Property prices vary dramatically by region, so comparing your options and exploring in person is highly recommended.

## Understanding healthcare: Private vs public (SNS)

Once you’ve become a legal resident, you can access the **Serviço Nacional de Saúde (SNS)**. It offers high-quality care with low fees for appointments, tests, and medications.

**To register for SNS, follow these four steps**:

1. Get your residence permit  
2. Visit your local Centro de Saúde  
3. Bring your NIF, ID, and proof of address  
4. Receive your SNS number

Until then, you’ll need private health insurance. Many retirees keep both private and public insurance, using SNS for everyday care and private coverage for faster appointments or extra benefits.

Feather’s [**expat plan**](https://feather-insurance.com/en-pt/health-insurance/expat) works across Portugal and the EU, making it a strong option whether you’re applying for a visa or already living here.

Learn more about [how to join the public healthcare system in Portugal](https://feather-insurance.com/en-pt/blog/join-public-healthcare).

## Conclusion

Retiring in Portugal offers an inviting blend of sun, safety, and community, making it an appealing choice for many. 

With its laid-back lifestyle, array of beautiful regions, and accessible healthcare, Portugal provides the perfect backdrop for your retirement dreams. 

By understanding visa requirements, exploring housing options, and preparing for healthcare, you can confidently navigate the transition to life in this charming country\!


Sign up for expat insurance

Persona sosteniendo un pasaporte en la mano en el aeropuerto.

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Moving to Portugal: Visas & health insurance guide

Portugal has become one of Europe’s most popular destinations for expats, freelancers, and retirees. With a relaxed pace of life, affordable living, and sunshine nearly all year, it’s easy to see the appeal.

Before you go, you’ll need two essentials: **the right visa** and **health insurance that meets the official requirements**.

This guide breaks down what’s needed for each visa — and how **Feather’s [expat health insurance](https://feather-insurance.com/en-pt/health-insurance/expat)** helps you qualify with confidence.

## Do you need a visa to live in Portugal?

If you’re from the EU, you won't generally need a **visa.**

However, if you’re from outside the EU or planning to stay longer than 90 days, you’ll need a **visa or residence permit**.

Which one you apply for depends on why you’re moving: to work remotely, study, retire, or invest.

## The most common visa types

### **1. D7 Visa (Passive Income Visa)**

The Passive Income Visa is designed for retirees or anyone with a stable income from rent, savings, or dividends.

To obtain a D7 visa, you’ll need to have regular income matching or exceeding the Portuguese minimum wage (€820/month in 2025).

You’ll also need **health insurance**. When comparing your options, make sure that your insurance includes:

- At least **€30,000 in medical coverage**, valid in Portugal and the entire **Schengen Area**
- **Emergency care and repatriation** back to your home country
- Covers both **inpatient and outpatient treatment** for the duration of your stay

Feather’s expat plan meets all D7 health insurance standards, and you can apply 100% online.

### **2. Digital Nomad Visa (D8)**

The Digital Nomad Visa is perfect for remote workers earning their income from outside Portugal.

Just as with the D7 visa, this visa requires a minimum income. However, the minimum income requirement is much higher at four times the minimum wage, or ~€3,280/month in 2026.

Health insurance is mandatory for your D8 visa, and it must fulfil these requirements: 

- At least **€30,000 in coverage**, valid across the **EU/Schengen Area**, including **medical evacuation and repatriation**
- Policy must be valid for the full visa period (up to one year, renewable)

With Feather, you can get approved coverage instantly — no paperwork or calls needed.

### **3. Student Visa**

The student visa is, well, unsurprisingly, for students. 

The requirements to obtain the student visa are:

- You’ve been accepted into a recognised Portuguese university or study programme.
- You’ve got health insurance, either through your university, a bilateral agreement, or private insurance.

If you opt for private health insurance, ensure the minimum medical cover is at least €30,000. It must also cover emergency care and repatriation.

Regardless of the option that you choose, you’ll need to ensure that your health insurance lasts for your entire academic programme or stay

Feather’s expat policy is accepted by most Portuguese consulates for student visa applications.

### **4. Golden Visa**

Designed for investors meeting Portugal’s minimum investment thresholds.

The investment minimum can vary depending on how you’ll invest:

- €500,000 minimum for acquiring units in investment or venture capital funds.
- €400,000 minimum for research activities in low-density areas
- €250,000 minimum for supporting arts or national heritage, or €200,000 if the project is in a low-density area

Beyond funds, you’ll also need:

- **Health insurance**, including at least **€30,000 in coverage**, valid in **Portugal and Schengen countries.** It must cover **hospitalisation, emergencies, and repatriation**.

Feather provides coverage certificates you can submit directly with your Golden Visa application.

### **5. Temporary Stay Visa**

For short-term stays under one year — including work placements, volunteering, or research.

- **Health insurance requirement**: must cover your full stay in Portugal
- Minimum **€30,000 coverage**, valid across the **Schengen Area**
- Must include **repatriation, medical evacuation, and emergency care**

Feather’s expat insurance fits these requirements perfectly — you can even start your policy before arriving.

## Why health insurance matters for your visa

Every Portuguese consulate requires **proof of adequate health insurance** that:

- Covers at least **€30,000 in medical costs**
- Includes **inpatient, outpatient, and emergency treatment**
- Covers **repatriation and medical evacuation** to your home country
- Is valid in **Portugal and all Schengen countries**
- Is active **for the full duration of your stay or visa period**

Feather’s expat health insurance was designed with these exact requirements in mind — so your visa application goes smoothly.

## Why choose Feather for your move

Feather’s **expat health insurance** is made for people moving to Europe for the first time. It’s recognised by embassies, fully digital, and quick to set up.

- Accepted for most first-time visas, including D7, D8, and Temporary Stay visas
- **€30,000+ coverage** with **inpatient, outpatient, emergency care, and repatriation**
- Instant proof of coverage for your visa application
- Valid in **Portugal, the EU, and Schengen Area**
- 100% online sign-up — no phone calls or paperwork
- Includes up to six weeks of home-country travel after one year



Visa-compliant expat health insurance

Quality support. That's rare.

2 years of amazing service

Made my life 100x easier

Feather makes it easier to start your move — so you can focus on enjoying Portugal, not figuring out paperwork.

## Switching to public health insurance (SNS)

If you’re staying long-term, you may eventually want to join Portugal’s public health system, the **Serviço Nacional de Saúde (SNS)**.

Here’s how to do it:

1. **Register for residency** within 90 days of arrival.
2. **Get your NIF (tax number)** and open a local bank account.
3. **Register your address** with your local parish council (*Junta de Freguesia*).
4. **Sign up with SNS** at your local health centre (Centro de Saúde).

You can switch once you’re officially registered. Many expats keep Feather’s plan active during this process — just in case there are delays with local paperwork.