Fidelidade

Fidelidade is a insurance product operated by Fidelidade Companhia de Seguros S.A. (Fosun). This 2026 review covers operator background, the current tier ladder and the buying signals to weigh before subscribing. The service competes in the insurance category against regional and global alternatives, and the practical decision usually comes down to feature mix, regional availability and renewal economics rather than headline price alone.

Quick facts

• Operator: Fidelidade Companhia de Seguros S.A. (Fosun)
• Headquarters: Lisbon, Portugal
• Public-market status: majority-owned by Fosun International (HKEX: 0656)
• Founded: 1808 as Companhia Permanente; renamed Fidelidade 2012
• Category: insurance
• Current tiers: Auto / Vida / Saúde Multicare / Casa / Empresa
• Anchor price (2026): Saúde Multicare from EUR 35-200/month depending on coverage

What is Fidelidade?

Fidelidade is a consumer subscription that layers premium features on top of a free core experience. Its product surface covers core free experience alongside premium features unlocked on subscription, with the recurring subscription paid through the operator's direct billing or App Store / Google Play / partner-billing surfaces. Customers buy a tier matching their usage profile; the entry tier is suitable for testing the product and higher tiers add features such as ad-free or boosted-visibility options.

Why choose Fidelidade

Operator and ecosystem context

Fidelidade is run by Fidelidade Companhia de Seguros S.A. (Fosun) out of Lisbon, Portugal, established 1808 as Companhia Permanente; renamed Fidelidade 2012. That matters because the insurance category is increasingly consolidated and the operator's ownership structure (public vs. private, parent group, regulatory footprint) shapes how aggressively the product is supported and how stable the subscription terms are over multi-year renewals.

Plan structure and pricing tiers

The tier ladder splits across Auto for testing the service, Vida for everyday use, and Saúde Multicare for power users or teams. Anchor pricing for 2026: Saúde Multicare from EUR 35-200/month depending on coverage. Consult Subger's true-price tracker for Fidelidade for all-in renewal costs.

Premium features and platform fit

Beyond the headline features, the 2025-2026 differentiator for Fidelidade is 2024-2025 Fidelidade expanded health insurance through Multicare and continued digitalisation under Fosun's portfolio. That gives the subscription a credible roadmap for the year ahead and distinguishes it from operators that are running their insurance catalog on autopilot.

Fidelidade features that matter in 2026

Highlights of the current feature set:

• core free experience
• premium features unlocked on subscription
• ad-free or boosted-visibility options
• mobile and web apps
• subscription management inside the app store or operator account
• priority support on higher tiers

Buyers should treat this list as a baseline for Fidelidade in the insurance category — confirm specific feature availability for your region on the operator's site, since some features and tier names vary between countries.

Fidelidade pricing in 2026

Reference pricing for Fidelidade in 2026: Saúde Multicare from EUR 35-200/month depending on coverage. The tier ladder typically looks like:

Subger pairs the public price with the actual all-in cost (taxes, FX conversion, promotional first-period anchors that step up at renewal):

Fidelidade apps and platform support

Surface availability for Fidelidade can vary by region and tier — confirm current app availability and supported devices on the operator's site before subscribing.

Who Fidelidade fits

Fidelidade is most likely a good match for the following buyers:

• Users who get value from the free product and want the premium feature set without ad interruptions — the core target audience for the product.
• The category-focused subscriber who specifically wants core free experience from a insurance operator rather than a generalist platform.
• The team or household subscriber evaluating the tier ladder (Auto / Vida / Saúde Multicare) and willing to pay up for premium features unlocked on subscription.
• The cross-device user who needs apps across the surfaces listed above plus a credible upgrade path as new devices are added.
• The price-sensitive shopper who wants to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Frequently asked questions

What is Fidelidade and who runs it?

Fidelidade is a insurance product operated by Fidelidade Companhia de Seguros S.A. (Fosun) headquartered in Lisbon, Portugal, founded 1808 as Companhia Permanente; renamed Fidelidade 2012. It is sold via direct subscription on the operator's website and apps, with payments processed through the operator's billing surfaces.

How much does Fidelidade cost in 2026?

Current tiers are Auto, Vida, Saúde Multicare, Casa, Empresa. Anchor reference pricing for 2026: Saúde Multicare from EUR 35-200/month depending on coverage. Confirm the live regional price on the operator's site before committing, since promotional cycles and FX conversion can shift the all-in renewal cost.

Is there a free tier or free trial for Fidelidade?

There is no perpetual free tier listed publicly for the standard Fidelidade subscription; the operator may run introductory trials periodically. Check the live signup page for current trial promotions.

Where is Fidelidade available?

Availability follows the operator's service footprint anchored on Lisbon, Portugal. Confirm regional availability on the official site before subscribing, especially for products that have country-specific catalog or pricing rules.

What 2025-2026 features set Fidelidade apart right now?

The current 2025-2026 differentiator is 2024-2025 Fidelidade expanded health insurance through Multicare and continued digitalisation under Fosun's portfolio. Together with the headline features listed above, that gives buyers a concrete signal that the subscription is being actively developed rather than coasting on a legacy catalog.

Which devices and platforms does Fidelidade support?

Coverage spans the surfaces shown in the platform table above. The current mobile, web and (where applicable) desktop apps are the recommended way to consume the service; older clients may be deprecated in successive releases.

How do I cancel Fidelidade?

Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for Fidelidade walks through each route step-by-step.

Does Fidelidade offer a team or family plan?

Team, household or family structures depend on the tier. The Empresa tier commonly adds multi-seat or multi-profile support; the entry Auto tier may restrict usage. Confirm the per-tier seat limit on the live pricing page before committing to annual billing.

Is Fidelidade worth it compared to insurance alternatives?

Value depends on three factors: the specific feature mix you'll use (see the features list above), the regional price after taxes (Subger's true-price tracker for Fidelidade reconciles the headline price with the actual all-in renewal cost), and the credibility of the operator's 2025-2026 roadmap. Buyers should weigh these together rather than relying on headline price alone.

How can I track price changes for Fidelidade?

Subger's renewal tracker for Fidelidade records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.

Get started with Fidelidade

Confirm the current regional price on the operator's site (Saúde Multicare from EUR 35-200/month depending on coverage), choose the tier that matches your usage (Auto, Vida are the most common starting points), and check Subger's deals page for Fidelidade for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel Fidelidade guide
• Latest Fidelidade deals
• Fidelidade promo codes
• Fidelidade true price and renewal tracker
• Browse the insurance category hub
• All services on Subger