Can the whole family be on one policy?

Yes, a family is usually covered by a single policy — it is easier to manage and often cheaper than separate policies for each person.

Is childbirth covered?

Yes, pregnancy care and childbirth are covered, but they usually have a waiting period (carencia). So it is best to take the policy out in advance.

Are paediatricians and childhood vaccines included?

Yes, a paediatrician is part of a family medical policy. The set of vaccines depends on the policy — a manager will clarify.

Family insurance on Tenerife: children, childbirth, paediatricians

When you move with your family, insurance matters even more: you need cover for adults and children alike. Here’s what to look for.

One policy for the whole family

A family is usually covered by a single policy: it’s easier to manage and often cheaper than separate policies for each person. An adult can be added later too.

Children: paediatrician and vaccines

A family medical policy includes a paediatrician and specialist appointments. The set of vaccinations depends on the specific policy — worth checking in advance, especially if your child is starting nursery or school.

Pregnancy and childbirth

Pregnancy care and childbirth are covered, but they almost always have a waiting period (carencia) — a few months from the start date. So if you’re planning a baby, take the policy out early.

What else to look at

No co-payments — if a family member is also applying for residency.
Clinics nearby — convenient when you have children.
Doctors’ languages — Tenerife has English-speaking paediatricians.

A family health policy is not life insurance

This is the most common mix-up, and it is worth untangling: this policy pays for doctors and treatment while you are here. It pays your family nothing if you are gone — that is a different kind of cover. If what you want is to secure your family’s financial future, see how life insurance in Tenerife works.

Tip: take the policy out early — because of waiting periods, some services (childbirth, certain procedures) may not be available immediately on day one.

Want a family policy matched to your household and area? Ask in the chat — we’ll help and calculate the cost for free.