13 insurance and health plans, the SNS dental voucher, and every number in writing first.
Bring the insurance card or plan you already have: with our direct billing arrangements, the agreed rate is applied at the visit itself. The numbers go in writing — the total, each phase, what your plan covers — and you decide at your own pace. If you would rather pay in instalments, the credit comes from Cofidis.
Not sure what your plan covers?
Tell us the name of your insurer when you book. We confirm the cover before the appointment.
Check my coverThe decision is always yours
The plan and the numbers are put in writing and are yours to keep. Decide right at the consultation or take it all home and think it over. Go ahead if you want, when you want — no rush.
Accepted at all 3 clinics
Medicare
Direct billing
Multicare
Direct billing
SAMS Quadros (SNQTB)
Direct billing
SAD PSP
Direct billing
Sorriso · Plano de Saúde
Direct billing
Agilcare
Direct billing
SIB
Direct billing
BS Care
Direct billing
Dentinet
Direct billing
Dentalrede
Direct billing
Médis
Direct billing
AdvanceCare
Direct billing
Rede Médica Future Healthcare
Victoria Seguros · Saúde Prime
Other insurers
If your insurer isn't listed above, don't worry. We issue detailed invoices you can submit to your insurance company for reimbursement, according to the terms of your plan.
Talk to receptionThe list of partners and the terms of each agreement may change. Please check with us before your appointment to confirm coverage.
Three steps, and the paperwork is ours
With the plans listed above we confirm your eligibility and apply the agreed rate at reception, so there is no authorisation to request and no reimbursement to claim. If your insurer is not listed, you pay the clinic and we issue the detailed invoice you need to claim it back.
Step 01
Tell us your plan
When you book, online or by phone. We check the cover before you come.
Step 02
We handle the paperwork
We handle the paperwork with the insurer, and tell you if anything isn't covered.
Step 03
You pay only your share
We apply your plan's cover on the spot, and you pay your share. No reimbursement to chase afterwards.
What we tell you, and when
No figure turns up as a surprise at the end. There are three moments when we tell you what your cover pays and what is left for you.
Stage 01
Before the appointment
We confirm with the insurer what your plan covers before the appointment, and tell you what to bring.
Stage 02
In the written estimate
You see the clinic's price for each treatment, what your cover pays and what is left for you, treatment by treatment. You can take it home and think it over.
Stage 03
Before any treatment
No treatment goes ahead without a quote you have approved. If the plan or the treatment changes, we redo the figures first.
Pay at your own pace with Cofidis Pay
Consumer credit granted by Cofidis, offered at the clinic through a payment solution based on a factoring agreement between Cofidis and the clinic. Cofidis alone approves it and sets the terms.
Payment partner
Cofidis Pay
Cofidis Pay lets you finance treatments up to €2,500, in 3 to 12 interest-free instalments. The application is 100% digital and subject to Cofidis review, with a decision usually within a few minutes — and if you prefer, we file the application with you at reception.
- Apply online 24/7, with a decision usually within a few minutes
- All you need is an identification document and an eligible bank card
- Instalments charged monthly to your card, managed in the Cofidis App
How the application works, in three steps
This comes after you have the written plan and have decided to go ahead. You can simulate online beforehand, or we do it with you at reception.
- 01
Simulate the amount
Online with Cofidis's simulator, or with us at reception. The treatment cost goes in and their simulator returns the instalment options — the figures are Cofidis's, not ours.
- 02
Cofidis reviews the request
The application goes to Cofidis, 100% digitally. A decision usually arrives within a few minutes, at any hour — but approval is not guaranteed: the decision is always Cofidis's.
- 03
Start your treatment
Once Cofidis approves, we book the first appointment of your plan. Cofidis debits the instalments monthly.
Financing terms are set and approved by Cofidis and may be updated. We recommend confirming with us or simulating your case directly before proceeding.
Choose the one that fits
Payment by stage
You pay for each stage of the treatment as it happens, with no outside lender and no interest. It involves no credit agreement.
No interest
direct with the clinic
Cofidis Pay credit
For larger treatments. The credit is Cofidis's, not ours: they approve it, set the term and the instalment, and collect it. We make the application with you at reception, acting as an ancillary credit intermediary, and the terms are in writing before you sign.
Subject to approval
Cofidis's terms apply
Insurance, cheque-dentista and agreements
We deduct your cover on the spot, before we work out any instalment. The paperwork stays on our side.
13 agreements
+ SNS
Total and stage-by-stage cost
Including what your insurance has already covered.
What happens if you stop
You pay only for clinical work already carried out. Any adjustment or cancellation of a Cofidis Pay operation is handled with the clinic and remains subject to Cofidis terms.
How long the quote is valid
The quote says how long it stands. No pressure to decide in the chair.
Reviews included
Which ones, how many, and for how long.
We accept the SNS cheque-dentista
Pregnant women, children, young people, older people receiving the solidarity supplement and patients with HIV or cancer may be entitled to vouchers issued by their health centre. Bring yours to the first appointment.
Who qualifies
The voucher is issued by your family doctor or health unit, not by us. We check that it is valid on the spot.
What it covers
The appointment, preventive treatment and fillings covered by the programme. We tell you what falls outside it before we start.
How to use it here
Bring the voucher and your ID card. We handle the registration in the system and the paperwork.
Who we are in this transaction, and where to check it
Fábrica do Sorriso does not lend money. It presents and proposes Cofidis credit agreements as an ancillary, non-exclusive credit intermediary. The terms are set and approved by Cofidis.
- Entity
- FÁBRICA DO SORRISO – CLÍNICAS MÉDICAS E DENTÁRIAS, LDA
- Tax number (NIPC/NIF)
- 513511180
- Registered office
- Rua da Liberdade, 74 J, 2805-355 Almada, Portugal
- Contact
- [email protected]
- Category
- Ancillary credit intermediary
- Services provided
- Presenting and proposing credit agreements to consumers. We do not provide advisory services on credit agreements.
- Lender
- Cofidis — registered with Banco de Portugal under no. 921
- Exclusivity
- Non-exclusive
Information provided under Decree-Law 81-C/2017. Please read the Cofidis pre-contractual documentation before proceeding.
Search the credit intermediary registerBring the quote you already have — ours or another clinic's.
We go through it line by line, explain what is and is not included, and tell you honestly whether the price makes sense. No obligation to be treated here.
Second opinion
- 1Bring the quote and any X-rays you already have.
- 2We compare it with our own plan and explain the differences.
- 3No obligation to be treated with us.
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