Hugo Narciso Seguros
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YOUNG ADULT PLAN

Protect yourself today. Save for your future.

All for around €90/month.

Example for a person aged 25. Prices are valid for the first policy year. The Life insurance premium remains unchanged until age 35; the Health insurance premium may be adjusted over time as you get older.

Your health, independence and plans deserve protection.

Two young adults beside the Tagus in Lisbon
An investment in yourself. Today and throughout life.

Combine Health, Dental and Vida Activa TOP with Serious Illness cover, and start building your future with €30/month in a PPR.

Shall we prepare your plan?See how much you could save →

FOUR SOLUTIONS. ONE STARTING POINT.

A plan to live with greater confidence.

Look after your health, protect your independence and prepare for what comes next. With clear explanations and personal support.

01

Health

Around €38/month

Base XXL + Extra + Serious Illness

  • €1,000 for consultations and tests: support for everyday care.
  • €165,000 combined Base + Extra hospital cover for surgery and hospital stays.
  • Oncology cover at the Champalimaud Foundation: specialist support for cancer treatment.
  • Serious Illness: access to specialist treatment abroad.

Childbirth is not covered. If you plan a pregnancy, we can review the most suitable option together.

02

Dental Health

Around €7/month

Look after your smile too.

  • Access to a network of dentists (Dentinet) to look after your oral health.
  • Free procedures included to make routine care easier.
  • Other treatments at agreed prices.
03

Vida Activa TOP

Around €15/month

With Serious Illness Base

  • €200,000 for permanent disability affecting your occupation or a compatible activity: support to reorganise your life.
  • €20,000 on death to support your chosen beneficiaries.
  • €25,000 Serious Illness Base cover: more financial breathing room at a demanding time.
04

PPR

€30/month for your future

Tranquilidade PPR

  • Regular savings that start with a comfortable amount.
  • Flexibility to add extra contributions when you can.
  • Potential income-tax benefits, depending on your circumstances.

The value invested can rise or fall. Capital and returns are not guaranteed.

The Young Adult Plan is a suggested combination of protection and savings. We offer other solutions that can be tailored to your needs, priorities and budget. Together, we review your existing cover, including employer insurance, to find the combination that suits you.

FROM €30/MONTH · FROM AGE 25 TO 65

A small habit. Forty years of possibilities.

Start with a comfortable amount and add to your savings when you can. Choose a monthly contribution and a return assumption to explore how much you could accumulate.

The plan shown includes €30/month in the PPR. Choosing a higher contribution increases the monthly budget.

44 476 €

Potential capital at age 65, before fees and taxes.

14 400 €Total invested
30 076 €Hypothetical growth

The selected rate is a calculation assumption, not a forecast or promise from the PPR. Actual results may be lower, including losses.

Age · light green: contributions · dark green: growth

A tax benefit. And room to add more.

For the €30/month example included in the plan, contributions total €360/year: a potential €72 income-tax deduction. Before age 35, an additional €1,640 that year takes contributions to €2,000 and the potential deduction to €400. These top-ups are optional and additional to the monthly budget shown.

Extra contributions may help you make better use of tax benefits, within your age and individual tax limits. You do not need to reach the maximum to start.

How we calculated this and what to consider

480 payments of the selected monthly amount at the end of each month over 40 years. Equivalent monthly rate: (1 + annual rate)^(1/12) − 1. Excludes fees, tax, inflation, withdrawals, extra contributions and reinvestment of tax benefits. A constant rate is not an arithmetic average of variable returns.

Current deduction limits: €400 before age 35, €350 from 35 to 50 and €300 above 50, corresponding to 20% of contributions. Age is measured on 1 January. Available tax liability and legal limits apply; IRS Jovem may reduce or eliminate the benefit. Contributions after retirement do not qualify. Withdrawals outside legal conditions may require repayment of benefits with a surcharge.

Annual examples assume 12 payments. In a partial first year, the required top-up differs. Rules checked on 9 October 2026 and subject to change. PPR suitability depends on investor profile, costs and capacity to bear losses.

YOUR PLAN GROWS WITH YOU

Your life changes. Your protection can change too.

01

First job

Start with the essentials, review employer cover and build a savings habit.

02

A new home or more responsibilities

Reassess Life cover amounts, your mortgage and financial protection.

03

Planning a family

Plan ahead for childbirth cover and waiting periods. Review beneficiaries and protect those who depend on you.

04

More income, new goals

Increase or adjust savings and review options as your goals get closer.

Count on us at every new stage. We talk through your priorities and help you choose the options best suited to your life today.

An investment in yourself. Today and throughout life.

Tell us what matters to you. Together we will balance protection, savings and the budget you want to keep.

Shall we prepare your plan?

Young Adult Plan is a Hugo Narciso Seguros presentation name, not a single insurer product.

Saúde · Saúde Dentária · Vida Activa · PPR · Art. 21.º EBF
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