WHAT SHOULD A FAMILY HEALTH INSURANCE COVER?
There is nothing more important than family and its well-being. That is why we offer you a wide range and special prices for your family health insurance.
We advise you what you should take into account before hiring a policy of this type.

One way to save when hiring health insurance is to do it jointly, that is, take out a family policy. Most companies offer promotional packages for family health insurance, with discounts of up to 30% for each insured. However, it is not always easy to get it right. Therefore, being well informed and comparing between the different policies offered by insurers is crucial to make the best decision. Next, we tell you everything you need to know about these policies.

Who can enjoy family health insurance?
In a family health insurance the number of beneficiaries varies depending on the needs of each family and the negotiation that is carried out. However, the owner, his spouse, and children up to 16 years of age are generally included.
In addition, there is the possibility of including the owner's father and mother if they live and depend economically on him. However, given the specific needs of the elderly, most companies offer special policies, generally more expensive, for this group, which include a broad medical chart and adapted services.

What should family health insurance include for the NIE or Visa process?
Before contracting health insurance for families, read the fine print carefully and analyze if it includes all the coverage that you and yours will need in the future:
• Comprehensive healthcare coverage through a medical directory arranged with the company.
• No copays. Fundamental requirement for a favorable before the consulate.
• Dental insurance. They include certain treatments free of charge and others subsidized, such as orthodontics and fillings.
• Psychological coverage. Some companies limit the number of sessions per year for this guarantee, so it is convenient to review the contracted limits.
• Family coverage proper:

    • Family planning, including IUD implantation.
    • Study sterility or infertility.
    • Tubal ligation or vasectomy.
    • Control of anovulatory treatment.
    • Control and treatment of menopause.
    • Diagnosis of impotence.
    • Preparation for childbirth.
    • Newborn coverage. For a certain period of time, and sometimes with restrictions, the policy
      covers the newborn without the need to increase the price of the policy.
    • Conservation of stem cells from the umbilical cord for the newborn.

What are the prices of family health insurance?
As in all health insurance, the company will take into account the medical history of the insured and the state of health they have at the time of requesting the insurance, as well as other aspects such as:

Age. Children and newborns are generally more expensive to insure due to the multiple pediatric services they may require. Health insurance also becomes more expensive after the age of 60, due to diseases associated with old age.
Weight. Overweight people are considered to be more prone to illness, so the price of their policies is usually higher.
Smoking or alcoholism. These kinds of habits can also increase your health insurance bill.
Place of residence. As with other products such as car or home insurance, the price of health insurance also varies according to our city of residence in Spain.
When choosing health insurance, in this case family health insurance, it is important to analyze the services that family members may need and what limits and coverage should be included in the policy.