If you are raising children in Spain, private health insurance can give faster access to paediatricians, child specialists, diagnostic tests and hospitals, often with English-speaking support. This guide focuses on what matters most for parents — paediatric access, adding children and newborns, and dental for kids — with a personalised quote rather than a fixed price.
Who for
This page is for parents arranging private health insurance for children in Spain — whether you have a baby on the way, young children, school-age children or teenagers. It complements the broader family health insurance guide with a focus on what matters for children specifically.
Paediatric
A key reason parents choose private cover is faster access to paediatricians and child specialists, plus diagnostic tests and hospital care when needed, within the Sanitas network. Before choosing a plan, it is worth checking paediatric availability in your local area through the cuadro médico, so appointments are convenient to home and school.
Adding children
Children can usually be included on family cover, each assessed individually through the health declaration. Newborns are commonly added during the policy, subject to the insurer's process and timing — tell us your due date and we will explain how it works. Each child's details and any medical history should be given accurately.
Tell us as early as possible if you are expecting a baby, because timing, documentation and newborn acceptance rules can depend on the current Sanitas process and the parents' policy.
Plans
Families with children often consider Más Salud Familias Sin Copago for no-copay cover, or a copay Más Salud option for a lower monthly premium. The right choice depends on how often you expect to use services and your budget. See the best Sanitas plan for families and copay vs no-copay.
Dental
Dental is usually arranged separately and is especially relevant for children — check-ups, cleanings, and orthodontic assessments as they grow. Some plans include dental elements or reduced prices on treatments, subject to the terms. Ask us how children's dental can be added.
Dental should be checked separately, because medical insurance and dental benefits are not always the same thing.
As they grow
Children's healthcare needs change over time, from routine paediatric care for babies and toddlers to sports injuries, allergies, eyesight, orthodontics and adolescent health later on. A good family policy should give convenient access across these stages. We can review your cover as your children grow.
Visa
If your move to Spain involves a non-EU visa or residency route (for example the Non-Lucrative Visa or Digital Nomad Visa), the cover usually needs to be visa-suitable, so Sanitas Residents, Residents Platinum or another suitable Sanitas option may need to be reviewed. EU citizens registering residency generally use no-copay Más Salud cover instead. These general pages cover everyday private healthcare; we check the right route for your situation.
Each child usually needs to be named on the cover and certificate where a visa or residency route is involved.
Pre-existing
If a child has a medical condition, allergy, ongoing medication or previous treatment, declare it where requested. Having a condition or taking medication does not automatically mean a refusal. Each case is assessed individually through the health declaration and underwriting, and the outcome can be standard terms, an exclusion, a request for more information, or a decline. Nothing is guaranteed, so a personalised review is essential and you should never cancel existing cover until a new policy is confirmed.
Cost
There is no single fixed price — cost depends on the number of children and adults, their ages, the plan and cover level, copay vs no-copay, and any medical history. We prepare a personalised family quote.
Next steps
Continue with the pages most relevant to your family:
Important information
Tell us the ages of your children and adults, any medical history, your location in Spain and whether a visa or residency route is involved, and we will compare the suitable Sanitas options and prepare a personalised quote. Please check the actual current policy terms and your personal conditions before purchasing or using any Sanitas policy. Policies change and individual terms can vary.
We check paediatric access and compare the suitable options in English, with no obligation.
FAQs
Common questions about health insurance for families with children in Spain. Each child is assessed individually — always confirm current terms.