Family Flat-Rate Dental Insurance: Cover 3 to 6 People for the Price of 3

Published on August 27, 20268 minBy Laura

It's the best-value and least-known condition in Sanitas dental insurance: the Family Pack. On a single Dental Milenium or Dental Premium policy, the premium freezes from the third insured onward — from the fourth to the sixth insured, the premium is €0 — and on top of that, children under 6 pay no premium when they're on the policy with one of their parents. In practice, a family of six can cover everyone's teeth for the price of three, and since Sanitas dental has no waiting periods and no age limit, the policy works from day one for grandpa just as it does for the kids. In this guide we walk you through the real per-person prices of both modalities — with no copay, or with a €3 copay per visit day —, the exact conditions of the pack, and the limits worth knowing before you sign up.

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Three generations of a family brushing their teeth together in front of the mirror

Comparison

What each insured pays: Milenium and Premium, with and without copay

Real monthly premiums by the insured's position on the policy, from the official quotes on the agent portal (September 2026). Age doesn't change the price: the product has no maximum age for signing up.

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Coverage	Dental Milenium	Dental Premium
1st insured (with €3 copay per visit day)	€12.20/month	€19.90/month
2nd insured (with copay)	€10.70/month	€17.00/month
3rd insured (with copay)	€10.00/month	€14.00/month
4th, 5th and 6th insured	€0 — Family Pack flat rate	€0 — Family Pack flat rate
1st insured (no copay)	€14.25/month	€22.90/month
2nd and 3rd insured (no copay)	€13.25 and €13.00/month	€20.00 and €17.00/month
Children under 6	No premium, included with one of their parents	No premium, included with one of their parents
Family of 6 (with copay), monthly total	€32.90	€50.90

Net monthly premiums from the official quotes (Sept. 2026, effective Oct. 2026); the first bill adds the 0.15% surcharge of the Consorcio de Compensación de Seguros. At the office we issue your named quote with these amounts in writing.

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Frequently Asked Questions

Common questions

Direct answers, the same we give at the office.

What exactly are the conditions of the Family Pack?

Three, and all three come straight from the official product sheet. First: the pack applies to policies with 3 to 6 insured; with one or two insured, each position pays its individual premium. Second: the insured on the pack must be first-degree relatives of the policyholder or live with them at the same address — so your children, your parents, or the partner who lives with you all qualify, and so do grandparents if they live in the household. Third: at least the first three insured on the policy must be over 6 years old, because children under that age pay no premium and therefore can't occupy the three paying positions. Once those three conditions are met, the rate goes flat: from the fourth to the sixth insured, the premium is €0, whatever their age. It's a structure literally built for families, and at the office we put it together every day, combining ages so the pack is used to full advantage.

Do young children really pay nothing at all?

Children under 6 pay no premium, with one single condition set by the official product sheet: they must be on the policy together with at least one of their parents. It's not a temporary promotion but a built-in condition of the product, and it applies to both Dental Milenium and Dental Premium. In practice it changes the math considerably for a young family: a couple with two children aged 3 and 5 pays only the two adult premiums — for example, €12.20 and €10.70/month on Milenium with copay, or €22.90 and €20.00 on Premium with no copay — and both children are covered for free, pediatric dentistry included: check-ups, cleanings, fluoride treatments, sealants and, on Premium, fillings in baby teeth too. When a child turns 6, they move into a paying position at renewal — and that's when the 3-to-6-insured Family Pack starts working in your favor again if there are several of you.

What's the difference between the copay and no-copay modalities?

The coverage is the same; what changes is how you pay for the included services. In the no-copay modality, the plan's included services cost nothing when you use them: you walk in, get treated, and pay nothing at the clinic. In the copay modality, the monthly premium drops — from €14.25 to €12.20 for the first insured on Milenium, from €22.90 to €19.90 on Premium — and in exchange you pay €3 per visit day, with one important nuance the product sheet spells out: it's €3 per day, regardless of how many services you receive that day. If the same appointment covers your check-up, your cleaning and an X-ray, the copay is still €3. The practical math is simple: the premium difference is around €2-3 a month, so anyone who visits the dentist once a month or less usually comes out ahead with the copay, while anyone in the middle of a long treatment with weekly visits prefers the peace of mind of no copay.

What does each plan include, and where are the limits?

Dental Milenium includes more than 40 services at no cost: preventive dentistry (check-ups, cleanings, fluoride treatments, sealants), full radiology including the panoramic X-ray and the dental CT scan, extractions — wisdom teeth included —, emergencies and pediatric dentistry for children under 15, plus more than 160 additional treatments at a fixed, written-down deductible price. Dental Premium goes up to more than 58 included services and adds the most-used restorative dentistry: fillings, reconstructions and pulp capping. Its limit is right there on the product sheet: two of those treatments per insured per year are included; beyond that, they're paid at the deductible price — €39.50 for a filling and €49.50 for a reconstruction, well below the open market price. And on both plans, from the second year onward the Sanitas Dental Clinics network improves its prices on root canals, periodontics, implants, orthodontics and light-activated whitening, with discounts of 5% to 10% depending on the treatment.

Can I put the grandparents on the policy? Up to what age?

No limit: Sanitas dental has no maximum age for signing up, and that's not theory — the official quotes behind this guide were issued for 76-year-old insured, at exactly the same premiums a 30-year-old would pay. That turns the Family Pack into a three-generation play: grandparents who live with you or are first-degree relatives can take positions on the pack, and once the policy has three paying insured, the fourth, fifth and sixth come in at a €0 premium. For older people the plan also makes clinical sense: frequent check-ups, X-rays and the implant assessment are included at no cost, and major treatments like an implant come with a fixed deductible price agreed in writing before treatment starts, with an additional discount from the second year. And since there are no waiting periods and no pre-existing condition exclusions, the coverage works from day one for them too.

When can I start using it? Are there waiting periods or a health questionnaire?

From the very first day the policy takes effect — and this is one of the big differences between dental and general health insurance: the dental product sheet states that no waiting periods or pre-existing condition rules apply. There's no dental health questionnaire, it doesn't matter what shape your mouth is in, and there's no waiting months for any included service: you can sign up today and book an appointment tomorrow for a check-up, a cleaning or an emergency. It also means the dental plan can be taken out on its own — you don't need to be a Sanitas health client — with monthly, quarterly, half-yearly or annual payment. The only calendar detail is administrative: the policy is annual and is issued with the effective date you request, so if you're setting up the Family Pack for several people, it's worth having the list of insured with their details ready so everyone starts at once and the pack is properly constituted from the first bill.

How much does a full family pay in total, with real numbers?

With the official quotes in hand, a policy with 6 insured over age 6 comes out like this: Dental Milenium, €32.90 a month in the copay modality or €40.50 with no copay; Dental Premium, €50.90 a month with copay or €59.90 with no copay. Those are the exact sums of the first three positions — the three paying ones — because from the fourth to the sixth the premium is €0. Per person, Milenium with copay works out at under €5.50 per insured per month, and full Premium, fillings included, at around €8.50. If the family also has children under 6, they come in premium-free alongside their parents and push the per-person cost down even further. The comparison with six individual policies is direct: the same family would pay €73.20 on Milenium with copay — more than double — if each person signed up separately. At the office we'll prepare the named quote for your exact combination in five minutes.

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