advancecare.pt Reviews

Terrible insurance company.
I can’t recommend it to anyone.
A couple of times their servers were down, and I paid the full amount for the appointment, which was never reimbursed to me.
Not I need to undergo surgery, but the insurance, using the grace period (which lasts 1 year!), refuses to cover the operation. Despite the fact that I pay full insurance. It’s simply awful and a scam.

Date of experience: 23 December 2024

Earlier this year, I needed sinus surgery. First, they turned it down, claiming it was a pre-existing condition without having any justification whatsoever for this claim. They provided no information on how to appeal.

I found a scan report from 1997 that contradicted AdvanceCare's baseless claim. The specialist provided further documentation to them.

They then approved most of the cost but refused to cover one of the medical acts, again without documentation or a good reason. Thankfully, the hospital decided to accept their reduced offer and go ahead, but this delay caused me two additional weeks of intense pain that made it necessary to take morphine-strength painkillers while I was waiting for AdvanceCare trying to cheat me.

This was cruel. They are hurting their insured patients instead of fulfilling their contractual obligations.

Later, they refused to pay for an ENT consultation, claiming I had had too many of them, but there is no such limit in the contract. The ENT specialist had to waste her time writing a report to them before I got paid.

Later again, they refused to pay for a second D vitamin blood test during a year, falsely claiming that it is limited to one per year. There is no such limit in the contract. Now they are ignoring my complaints.

In plain English, they cheat you over and over again.

Date of experience: 29 November 2024

New customer here, new contract just created some days ago. I pay and received the contract on my mailbox, but the only way to access AdvanceCare services is by logging in through the App or the Online profile (website). The problem is, to activate your profile, you need to receive a code on your mailbox. After 20 attempts both on the website as well as on the Application, I called the support line who just told me "yes there is a problem and the code is not sent", I asked, since when is there this problem and when will be solved?" He said, "yes there is a problem, just keep trying", giving me the impression this problem is not new and it is well known. I continued to try for 3 days and this never works. Conclusion: you pay an expensive sum to not have access to nothing due to a "bug" that nobody solves?????

Date of experience: 20 August 2024

My insurance was supposed to cover both Portugal and Spain. One weekend in Spain, that I had to go to the hospital for an emergency, called customer care that only works from monday to friday 9-5pm… found out on internet that have agreement with one of hospitals available to which I went. After returning, despite providing all necessary and asked information, I only faced problems and could never recover the money back: over 300€!

Date of experience: 02 May 2024

Poor network of agreed providers. Refuses virtually every reimbursement request without virtually any explanation or justification.

Date of experience: 10 January 2024