The method of making a thin-film magnetic head in accordance with the
present invention forms a cover layer on an insulating layer about a
magnetoresistive film so as to eliminate a protrusion riding on the
magnetoresistive film. The protrusion can be eliminated by etching. The
part of insulating layer clad with the cover layer is not etched. This
can prevent short-circuit from occurring because of thinning the
insulating layer.