The #1 solution for small companies in Portugal

Reduce company costs and increase the purchasing power of employees with flexible benefits, meal card, childcare, and discounts.

Over 10.000 companies and 200.000 employees employees trust us

Coverflex is the solution you're looking for

Assign meal allowances via card and enjoy tax benefits.

The Coverflex Meal Card is free and can be used across the entire Visa network. Implement our solution independently through a self-service and online process

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What they say about the Coverflex meal card:

Increase your employees' liquidity/compensation by providing them with a flexible benefits balance while enjoying tax exemptions.


A solution that combines benefits, a meal card, and childcare vouchers in one. The balance can be used across different categories outlined by Portuguese law, with TSU and/or IRS exemptions.

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Explore our dashboard

Increase your employees' liquidity/compensation by providing them with a flexible benefits balance while benefiting from tax exemptions.



A solution that combines benefits, a meal card, and childcare vouchers in one. The balance can be used across various categories defined by Portuguese law, with TSU and/or IRS exemptions.

know more

How does Coverflex work?

Choose tax-free benefits and maximize company savings

Employees gain more at the end of the month, by spending the balance of benefits in tax-free categories

Meal card VISA and contactless technology + tax-free TSU

Advantages of Coverflex

More liquidity for employees

Cost optimization for the company

Easy management on a single platform

Single point of contact and continuous support

Coverflex Advantages

Os melhores preços, à tua medida
Temos acesso aos melhores planos do mercado e a preços altamente competitivos, bem como a planos-assinatura por medida, desenhados para as necessidades de cada um.
Experiência intuitiva, integrada e com acompanhamento constante
Uma gestão intuitiva dos seguros, sempre com o acompanhamento da nossa equipa dedicada. Maximizem a poupança de tempo e dinheiro com a integração total de seguros, subsídio de alimentação e de benefícios num único local.
Flexibilidade e autonomia
Maximizem a poupança com a aquisição de um plano base de seguros e permitam que cada colaborador faça, de forma autónoma, upgrade para um plano de cobertura superior, isento de impostos (SS e IRS), através do saldo de benefícios disponível na Coverflex.
Gerir Colaboradores
Gestor especializado designado para gerir benefícios relacionados com Vida, Saúde e Acidentes de Trabalho, auxiliando na resolução de casos complexos. Além disso, desempenha um papel crucial na comunicação efetiva do plano tanto à equipa de Recursos Humanos quanto aos colaboradores, assegurando uma compreensão abrangente e transparente das vantagens oferecidas.

Coverflex Experience from other Small Business managers in Portugal

Os nossos utilizadores adoram-nos!
4.5 on Google Play
(2,712 reviews)
4.5 on Apple Store
(3,325 reviews)
4.5 on Capterra
(50 reviews)
4.7 on G2
(14 reviews)