{"id":898,"date":"2017-03-25T19:05:13","date_gmt":"2017-03-25T19:05:13","guid":{"rendered":"https:\/\/lawebdeseguros.com\/archivos\/898"},"modified":"2025-11-16T21:24:15","modified_gmt":"2025-11-16T19:24:15","slug":"how-to-choose-the-best-health-insurance-for-your-family","status":"publish","type":"post","link":"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/","title":{"rendered":"Choosing the best health insurance for your family"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Como_elegir_el_mejor_seguro_de_salud_para_tu_familia\" >Choosing the best health insurance for your family<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#%C2%BFPor_que_es_tan_importante_elegir_el_seguro_adecuado\" >Why is it so important to choose the right insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Que_coberturas_debe_tener_un_buen_seguro_medico_familiar\" >What coverages should a good family health insurance policy have?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Comparativa_de_seguros_de_salud_para_familias_en_Espana\" >Comparison of health insurance for families in Spain<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Seguro_de_salud_familiar_sin_copago_en_2025\" >Family health insurance without co-payment in 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Pasos_sencillos_antes_de_contratar_sin_jerga_tecnica\" >Simple steps before contracting (no technical jargon)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Comparacion_rapida_seguro_con_copago_vs_sin_copago\" >Quick comparison: insurance with co-payment vs. without co-payment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Preguntas_frecuentes_FAQ\" >Frequently Asked Questions (FAQ)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#%C2%BFQue_pasa_si_ya_tenemos_una_poliza_individual\" >What if we already have an individual policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#%C2%BFLos_seguros_cubren_preexistencias\" >Does insurance cover pre-existing conditions?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#%C2%BFPuedo_cambiar_de_seguro_facilmente\" >Can I change insurance easily?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/how-to-choose-the-best-health-insurance-for-your-family\/#Conclusion_elige_bien_para_cuidar_bien\" >Conclusion: choose well to take good care<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Como_elegir_el_mejor_seguro_de_salud_para_tu_familia\"><\/span>Choosing the best health insurance for your family<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Would you like to be sure that your family is covered for any unforeseen medical event without wasting time searching through piles of insurance? Stick around, because here you will discover the essentials to make a good decision without complications... and with peace of mind.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_es_tan_importante_elegir_el_seguro_adecuado\"><\/span>Why is it so important to choose the right insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Imagine that one day you need urgent medical care, or you want regular check-ups for your loved ones. Having good family health insurance can make the difference between long waits, unexpected expenses or not getting the care you need. That's why, <strong>Choosing the best health insurance for your family<\/strong> is not a trivial question: it can have a direct impact on your peace of mind and well-being.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Choosing the best health insurance for your family<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Clarify your doubts and find the medical protection that best suits the needs of your home.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=C%C3%B3mo+elegir+el+mejor+seguro+de+salud+para+tu+familia\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"Que_coberturas_debe_tener_un_buen_seguro_medico_familiar\"><\/span>What coverages should a good family health insurance policy have?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Primary care and specialists:<\/strong> The basics: paediatrics, general medicine and access to specialists without waiting for months.<\/li>\n<li><strong>Hospitalisation and emergencies:<\/strong> Covers hospital admissions, surgery and emergencies 24 hours a day. Essential for serious unforeseen events.<\/li>\n<li><strong>Diagnostic tests:<\/strong> From clinical analyses to ultrasound scans and MRI scans. You don't want to pay for each test separately.<\/li>\n<li><strong>Medicines and co-payments:<\/strong> Comprehensive insurance reduces or eliminates co-payments, a real relief on family pockets.<\/li>\n<li><strong>Dental care:<\/strong> Although not always included, good family insurance should offer at least basic dental coverage.<\/li>\n<li><strong>Other extras:<\/strong> Child vaccination, physiotherapy, mental health... Evaluate according to your needs.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Comparativa_de_seguros_de_salud_para_familias_en_Espana\"><\/span>Comparison of health insurance for families in Spain<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you are looking for <strong>Comparison of <a class=\"wpil_keyword_link\" title=\"health insurance\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-salud\/\" data-wpil-keyword-link=\"linked\">health insurance<\/a> for families in Spain<\/strong>This is what you need to look at:<\/p>\n<table>\n<thead>\n<tr>\n<th>Aspect<\/th>\n<th>What to assess<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Network of doctors and hospitals<\/td>\n<td>Do you have centres nearby with a reputation?<\/td>\n<\/tr>\n<tr>\n<td>Coverage outside Spain<\/td>\n<td>Interest if you are a frequent traveller<\/td>\n<\/tr>\n<tr>\n<td>Co-payments and reimbursements<\/td>\n<td>How are they managed and are they simple?<\/td>\n<\/tr>\n<tr>\n<td>Digital services<\/td>\n<td>Online appointments, telemedicine or mobile app... practical<\/td>\n<\/tr>\n<tr>\n<td>Customer service<\/td>\n<td>Do they respond quickly and well when you need them to?<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_de_salud_familiar_sin_copago_en_2025\"><\/span>Family health insurance without co-payment in 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are looking for a <strong>Family health insurance without co-payment in 2025<\/strong>you should look at:<\/p>\n<ul>\n<li><strong>Conditions for the elimination of the co-payment:<\/strong> Some insurances offer this advantage if the family exceeds a certain number of members or age.<\/li>\n<li><strong>Services included without co-payment:<\/strong> paediatrics, emergencies, diagnostic tests...<\/li>\n<li><strong>Restrictions or limits:<\/strong> some policies only eliminate co-payments on specific services, it is key to confirm what is included.<\/li>\n<li><strong>Dates and deadlines:<\/strong> no co-payment\" coverage may start within one year of contracting or have special conditions.<\/li>\n<\/ul>\n<p>This type of policy is ideal if you want to simplify your medical expenses and avoid surprises in your bills.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pasos_sencillos_antes_de_contratar_sin_jerga_tecnica\"><\/span>Simple steps before contracting (no technical jargon)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Make a list of your needs:<\/strong> Age of the children, specific care they need, doctors they trust, etc.<\/li>\n<li><strong>Review several policies:<\/strong> Request information from different companies, including professional networks and additional services.<\/li>\n<li><strong>Pay attention to limits and exclusions:<\/strong> Look at waiting periods, annual limits and pre-existing conditions.<\/li>\n<li><strong>Ask for the no co-payment option:<\/strong> Find out how, when and for which services the co-payment is eliminated.<\/li>\n<li><strong>It values customer service:<\/strong> Prompt and close attention is key when it comes to your family's health.<\/li>\n<li><strong>Contact a consultant:<\/strong> If you wish, please contact <a href=\"\/en\/contact\/\">contact with us<\/a> and we will advise you on the steps to follow to contract it according to your situation.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Comparacion_rapida_seguro_con_copago_vs_sin_copago\"><\/span>Quick comparison: insurance with co-payment vs. without co-payment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>With co-payment:<\/strong> lower premiums, but you pay extra for each visit or test.<\/li>\n<li><strong>No co-payment:<\/strong> slightly higher premium, but without paying for each consultation. Ideal for many medical uses.<\/li>\n<\/ul>\n<p>The choice depends on your expected usage: if you visit only a few times a year, a co-pay may be more cost-effective; but if you visit several times a year, a no co-pay may be more convenient and cost-effective in the long run.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_FAQ\"><\/span>Frequently Asked Questions (FAQ)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_ya_tenemos_una_poliza_individual\"><\/span>What if we already have an individual policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can compare and combine coverages to find out if a family insurance from scratch is more beneficial.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFLos_seguros_cubren_preexistencias\"><\/span>Does insurance cover pre-existing conditions?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Grace periods and some exclusions usually apply. It is very important to read the conditions and ask directly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_cambiar_de_seguro_facilmente\"><\/span>Can I change insurance easily?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, you can change after one year. The important thing is to check if you need to cover yourself during the transition time.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion_elige_bien_para_cuidar_bien\"><\/span>Conclusion: choose well to take good care<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Choose <strong>Choosing the best health insurance for your family<\/strong> means finding a policy that goes with you without surprises, covers what's important and fits your day-to-day life. Focus on:<\/p>\n<ul>\n<li>Full medical cover (specialists, emergencies, tests...)<\/li>\n<li>Clear conditions on co-payment<\/li>\n<li>Appropriate professional network<\/li>\n<li>Close and fast customer service<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p>And remember: if you are not sure which policy is the best fit, contact <a href=\"\/en\/contact\/\">contact with us<\/a> and we will advise you on the steps to follow to contract it according to your situation.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Find out how to choose the best health insurance for your family. Find coverage, prices and advantages for an informed and safe decision when faced with unforeseen medical problems. Protect your loved ones!<\/p>","protected":false},"author":2,"featured_media":3630,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[1],"tags":[7,8,9,10,11],"class_list":["post-898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-art","tag-beauty","tag-business","tag-hair","tag-studio","category-1","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=898"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/898\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/3630"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/tags?post=898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}