Family Spanish-licensed health insurance cost depends on number of family members, ages, region in Spain and plan tier. For NLV / DNV family submissions, each family member needs their own certificate. This guide covers indicative family cost combinations and multi-member discount considerations.
Send us each family member’s age, region in Spain and any medical context.
Get a Fast QuoteTalk to an Adviser| Family composition | Indicative combined monthly (EUR) | Indicative combined annual (EUR) |
|---|---|---|
| 2 adults 30–40 + 1 child | 140–240 | 1,680–2,880 |
| 2 adults 30–40 + 2 children | 180–300 | 2,160–3,600 |
| 2 adults 40–50 + 2 children | 200–360 | 2,400–4,320 |
| 2 adults 50–60 + 2 children | 270–440 | 3,240–5,280 |
Children typically have lower per-person premiums than adults.
Spanish-licensed insurers typically price children at a fraction of the adult premium. Some plans offer per-child fixed pricing. Larger families (3+ children) may attract bigger multi-member discounts.
For NLV/DNV submissions, each family member — including children — needs their own certificate. All certificates can be issued from a single family policy.
Adult children (typically 18+) accompanying parents on family submissions price at adult rates for their age band.
Related: Couples cost, NLV cost, NLV families guide.
