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 Protection 18 - 25

Protection 18 - 25

In Portugal or abroad, nothing can stop you now!


Personal Protection insurance that provides you with:

  • Day to day Protection- in case of accident at home, at school, wandering around, studying, for whom 24 hours aren’t enough for so many activities.
  • Young Persons Médis Line: specialized technical support, given by nurses that perform a clinical triage in case of illness or accident;
  • Convenience: because accidents also happen when you travel abroad, this insurance also protects you when traveling;
  • The same price throughout the contract: the price does not change as you get older. You always know how much you are going to pay!
  • MSeguros App: Access to your insurance portfolio any time and anywhere. With the MSeguros App, available for Apple and AndroidTM smartphones, viewing your policies was never easier.
  • Optional cover Pack Bicycles: that enables you to increase protection in case of an accident involving your bicycle and/or you (a set of 10 services, valid 24/7).


Fees and Commission

Options and prices

Covers Essential Top
Base Monthly Premium
Death or Permanent Disability € 6.53 € 12.05
Repatriation and Treatment Expenses
Assistance to Young Individuals
Young Persons Médis Line
Optional Monthly Premium
Hospitalization Allowance € 2.10 € 4.21
Assistance Allowance € 2.10 € 4.21
Radical Amateur Sports € 4.17 € 8.29
Death or Disability by Road Accident € 1.28 € 2.59
Family Civil Liability € 2.40 € 4.81
Funeral Expenses € 0.15 € 0.31
Pack Bicycles € 0.36

Cumulative Premiums.
A € 5.38 policy fee (includes legal charges) will be added to the first payment.


Coverages (summary)

Death or Permanent Disability
Payment of the insured capital due to Death and Permanent Disability, of the insured person, as the result of an Accident. The coverages of Permanent Disability and Death cannot be combined.

Treatment and Repatriation Expenses
Reimbursement of medical expenses (consultations, exams, treatments, surgeries and medication) to treat injuries, as well as extraordinary expenses of repatriation in a suitable transportation due to the nature of those injuries.

Radical Amateur Sports
The insurer will proceed with the payment or reimbursement of the insured capital as defined by the coverages, due to accident occurred during the practice of amateur sporting activities, exception made to trainings and sporting events that are part of championships.
The activities included are: Paragliding, Climbing, Martial Arts, Ballooning, BTT, Bungee Jumping, Canoeing, Horse Riding, Snow Sports, Speleology, American Football, Weightlifting, Hockey on Ice, Karting, Kite surf, Diving, Paintball, Skydiving, Parkour, Rafting, Abseil / Rappel, Skysurfing, Off-roading, Trekking.

Assistance to Adult Individuals
Several guarantees, such as: Medical, medication and hospitalization expenses abroad, Physiotherapy and Nursing Services at home, due to accident or sudden illness.
If an incident occurs, the Insured Person or his/her legal representative, should contact the assistance services through the Phone Line (+351) 210347940.

Death and Permanent Disability due to road accidents
Guarantees the payment of the insured capital in case of death or permanent disability of the insured person as a result of road accidents. This coverage works in addition to the Death and Permanent Disability coverage, however the indemnity due to Disability cannot be accumulated with the Death indemnity.

Family Civil Liability
Guarantees the payment of indemnities arising from civil liability  resulting from body injuries and material damages to third-parties, by any member of the Insured Person’s household.

Hospitalisation Allowance
In the event of an accident guaranteed by this contract, resulting in an Absolute Temporary Disability with hospitalization of the Insured Person, the daily allowance mentioned in the Specific Conditions, Individual Certificate or Additional Minutes shall be paid, for a maximum period of 360 days, in case hospitalization is needed for more than four consecutive days, without prejudice to the application of the franchise.

Funeral expenses
Reimbursement of the funeral expenses.

Assistance Allowance
Payment to the Insured Person of a daily allowance from the 5th day after hospital discharge and until the 60th day provided that that assistance is justified by means of a medical statement.

Cover Pack Bicycles
A Special cover including a set of 10 assistance services, with several indemnity limits, available 24/7.
Namely Transportation in case of Accident, Replacement Bicycle, Damages in Clothing and Footwear, Legal Protection, transportation to an Hospital, and Safekeeping of the Bicycle, if necessary.

Young Persons Médis Line
Specialized phone assistance, available 24/7, 365 days /year, where nurses provide permanent counselling and assistance on Health Care issues. This service can also work together with the assistance provider, by triggering the warranty of home medical insurance. If an incident occurs, please contact the assistance services through the Phone Line (+351) 21 845 88 85.


Covers Essential Top Amount paid by the Insurance Holder
Base Capital Capital  
Permanent Disability € 40,000 € 80,000 PD 50% = 100% capital
Repatriation and Treatment Expenses € 3.000 € 5.000 5% on the value of the indemnity with a € 150 minimum
Assistance to Young Individuals As per Special Conditions
Young Persons Médis Line As per Special Conditions
Optional Covers Quarterly Premium  
Assistance Allowance € 25 € 50 4 days per accident.
Hospitalization Allowance € 25 € 50 4 days per accident.
Radical Amateur Sports As per Special Conditions
Death or Disability by Road Accident € 20.000 € 40.000 PD 50% = 100% capital
Family Civil Liability € 25.000 € 50.000 10% on the value of the indemnity with a € 150 minimum
Funeral Expenses € 1.500 € 3.000 No Excess Payment
Pack Bicycles As per Special Conditions


Age Limit:

Subscription: from 18 to 25 years old.

Permanence: no permanence age limit.

From the renewal onwards after the insured person reaches 30 years of age, the contract automatically guarantees the above mentioned coverages, adapting the capitals according to the chosen option at the moment of the 18-25 Protection subscription.

Death or Permanent Disability (All other coverages that are in force, automatically expire at the end of the year in which the Insured Person completes 30 years of age).

This information does not dispense with the reading of the legally required pre-contractual and contractual information.

For further information, carefully read the General Conditions and Specific.

How to subscribe

Choose one of the two possibilities that Millennium bcp gives you to purchase the18-25 Protection Insurance:

1. By mail

For that purpose, you shall have to:

Send the Proposal to the following address:

Ocidental Seguros
Tagus Park, Edif. 10 - Piso 1
2744-005 Porto Salvo

2. AT any Millennium bcp branch

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