NLV health insurance for families
A family policy is built person by person, and there is one rule that shapes the whole household before anyone prices anything: children under 14 can only be insured where the adults who hold their custody or guardianship are insured too.
The rule that shapes a household policy
Persons under 14 can only be included in the insurance if the people who hold their custody or guardianship are also insured, unless the parties agree otherwise.
In practice that means you cannot insure the children alone. The adults responsible for them are part of the same arrangement, which is worth knowing before you start comparing anything.
It is a straightforward rule, but it decides the shape of the application — so it belongs at the beginning rather than as a surprise at the end.
Everyone is assessed individually
A household application is not one assessment covering everyone. Each person to be insured brings their own:
- Age, read on the intended policy start date. That decides which products are open to each adult. Children sit well inside both entry ages; the adults are where the limits bite. The age guide.
- Health questionnaire. Completed per person in the insurer's own application process. One family member's history does not decide another's terms. How disclosure works.
- Place of residence in Spain. The geographical zone is one of the factors the conditions name in building a premium. What drives the cost.
What this means practically: a household where two adults are years apart in age may find different products open to each of them, while the children's position is unaffected. How that works for a couple.
What to gather for a household
- Every person to be insured, named. Adults and children. An application is assembled per person, so check nobody who needs cover is left off the list.
- A date of birth for each, from their passport. Not from memory — a mistyped year changes the age a premium is built from.
- Who holds custody or guardianship of any child under 14. Those adults need to be insured on the arrangement too.
- One intended start date for the household. Every age is read on that date. Choosing it deliberately.
- Where in Spain you will be living.
Nothing medical at this stage — not for the adults and not for the children. The questionnaire belongs to the insurer's application process, later.
What the family gets
Waiting periods differ by product: Residents Visado has none; Platinum has none on its core health cover, with some supplementary covers carrying their own qualification periods. The detail per product.
- Exclusive Insurance Agentof Sanitas, S.A. de Seguros
- DGSFP registeredC0320Y2155969D
Get a quote for the whole household
Tell us everyone who needs cover, their dates of birth, and the start date you have in mind. An adviser confirms what is open to each person and prepares a quote, subject to eligibility and underwriting.
Questions first? Contact an adviser.