Insurers add child coverage to their policies to provide this service. We show you the available offers and solve all your doubts.
Medical policies for children
Medical insurance for children does not exist. The proposal alternative of the insurers are the individual medical policies, which is only for them, or the hiring of family insurance.
The most recommended option is insurance for families because the benefit of private insurance is also used by parents, receiving assistance for all members of the household. In addition, companies often make offers to include more family members in them. The following are the best family policies:
From €30/month
- Chat with a midwife if you just gave birth
- Add a pediatric or gynecology service even if it is not in the medical list
- Children’s health program
From €47.90/month
- Preparation for childbirth
- Preventive medicine up to 11 years
- Prenatal study of DNA in maternal blood
From €52.90/month
- Maternal and child program
- Preparation for childbirth
- Telephone advice from nurses during the first 6 months of the newborn
- Preventive medicine up to 11 years
From €57/month
- Preparation for childbirth
- Fetal DNA test in maternal blood
- Preventive medicine with preventive controls and child development
Mapfre supra with hospitalization
From €62.62/month
- Free dental coverage for children up to 15 years old
- Well-child program with immunization schedule
Oral insurance for babies and children
Children’s dental insurance is basic as oral health prevention of the smallest. Although public health includes check-ups and cleanings, it is advisable to take out a dental policy to have access to treatments such as orthodontics or periodontics at a lower price. Our recommendation:
*The free status of minors in these dental policies will only be applicable if an adult contracts the insurance.
DKV Classic Integral
Free for children under 14 years of age with 57 services included
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Asisa Dental
Free for children under 8 years old with many services included
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Dental Health Flex
Free for children under 6 years old with 25 services included
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Coverage included in your health insurance for children
Caring for newborns and the growth process can only be carried out with certain coverage. The most relevant that the policy must have are:
24-hour telephone and online service
To solve or treat any circumstance without having to go to the emergency room.
ICU and pediatric UVI
for complications
specialties
Like dermatology and ophthalmology
Preventive Medicine Programs
Pediatric and other specialty check-ups (ophthalmology or hearing), vaccination schedule, it is for the good development of the child
Neonatal screening tests
It makes it possible to identify possible diseases
Complementary coverage
Dental or psychology benefits that are only available in private policies
Doubts about children’s medical policies
Can newborns be insured?
Yes, it is possible to take out insurance for a newborn. Although some insurers cover the baby during its first 30 days, you can include it in your policy with the same benefits and deficiencies that you have. The maximum time that companies allow is up to a month later after the child is born.
Is it possible to choose the pediatrician?
Yes, you can choose the pediatrician. One of the advantages of private health insurance is that you can choose the pediatrician or change if you don’t trust
How can I insure the child?
Las of the shapes are: adding him to the family policy or taking out insurance just for him.
Is the age of the child an important factor?
Yes, some companies increase the price of insurance when you are a baby and it decreases as it grows. This depends on the conditions of each insurer.
Up to what age can you have child insurance?
The maximum age they are usually 14 years oldalthough it depends on each company.