Indicative prices
A young, healthy adult pays between €30 and €50 a month for a full medical network with co-payments, and between €50 and €80 without them. From age 50 the premium rises noticeably, and for a family of four the usual range is €150 to €250 a month — nearly every insurer applies a family discount.
Standalone dental insurance costs €10 to €15 a month, although many health policies already include basic dental cover.
What raises (and lowers) the premium
Raises it: your age at sign-up, reimbursement plans (choose any doctor in the world) versus the insurer's network, hospitalisation without co-payment, and extras such as extended psychology cover or homeopathy.
Lowers it: co-payments, signing up as a family, paying annually and — few people know this — signing up young, because your entry premium shapes future increases. Differences between insurers for the same profile easily exceed 30%: comparing is not optional.
Self-employed: the real price is lower
If you are self-employed, your health insurance premium is deductible in your IRPF income tax up to €500 per person per year — including your spouse and children under 25 who live with you. A €50/month policy can end up costing, in real after-tax terms, considerably less.
It also avoids what hurts a self-employed worker most: waiting. A test or surgery that takes months in the public system is time without invoicing; in private healthcare it is resolved in days.
The mistake of looking only at price
The cheapest policy is usually cheapest for a reason: a thin medical network in your province, high co-payments or long waiting periods. Before signing, check that your hospital and your usual specialists are in the network — there is no point paying little for insurance you cannot use where you live.
Tell us your age, family and how you would use it, and we will prepare a real comparison across the leading insurers — free and with no obligation.