Bringing a family / co-insuring dependants
Who it is for: You're moving with a spouse and/or children.
How your family is insured depends on your own insurance. Public insurance can cover a non-earning spouse and children for free; private insurance charges a separate premium per person.
Your options
Public family co-insurance
Free coverage for a spouse without significant income and for children — a decisive advantage for families.
Typical cost: €0 extra for eligible dependants.
Private cover per person
Each family member needs their own policy and premium — can get expensive with children.
Typical cost: Separate premium per spouse and per child.
Our take
Families almost always come out ahead in public insurance thanks to free co-insurance. Factor this in before choosing private.
Frequently asked questions
My spouse will work too — can they still be co-insured?
Once your spouse earns above the mini-job limit they get their own insurance. Co-insurance is only for dependants without significant income.
Do children need separate insurance if I'm privately insured?
Generally yes — private insurance has no free family co-insurance, so each child needs their own policy and premium. This is a key reason many families stay in public insurance.
Last verified: 21 July 2026