A policy with partial coverage includes:

- Unlimited visits to all specialist doctors.
- Basic therapeutic methods.
- Ultrasound.
- Tests.
- Basic dental coverage.
- Second medical opinion.

A policy with full coverage provides additional benefits, including:
- Unlimited visits to specialist doctors.
- Tests and ultrasound examinations.
- Hospitalization.
- Surgical intervention.
- Coverage of emergency services.
- Basic dental coverage.
- Coverage outside Spain (travel insurance).
- Possibility to obtain a second medical opinion.
Additionally, policies with full coverage can be expanded: premium dental care, coverage for traffic accidents and accidents, etc.

Choose the optimal policy option that best suits your needs to ensure reliable protection for yourself and your loved ones.

Aesthetic CosmetologyThe policy does not cover aesthetic cosmetology procedures such as breast augmentation, rhinoplasty, and other similar interventions.
Existing Chronic ConditionsThe policy does not include treatment for pre-existing chronic conditions, including:
Heart diseasesIntestinal diseasesDiabetesAutoimmune diseasesHistory of cancerPathologies resulting from diseases identified at the time of signing the insurance contractHowever, insured persons have access to doctor consultations, ultrasound examinations, and tests.
Comprehensive Medical ExaminationsComprehensive medical examinations organized by the hospital as a separate service are not covered by the policy.
Voluntary Termination of PregnancyThe policy does not cover services related to voluntary termination of pregnancy.
Reproductive MedicineReproductive medicine is not included in the coverage, except for scheduled visits to the doctor, ultrasound examinations, and tests.
RehabilitationTreatment for drug addiction and alcoholism is not covered by the policy.
AccidentsAccidents at work and traffic accidents are not included in the standard coverage. However, this item can be added to the policy for an additional fee. The Tor Quantum policy already includes this service.
Prescription MedicationsThe policy does not cover the cost of prescription medications. However, there is an additional "Pharmacy" service that allows reimbursement of up to 50% of the cost of medicines.
When choosing an insurance policy, carefully review the terms and exclusions to ensure maximum protection and avoid unforeseen expenses.

1. Contact the insurance agentTo start, contact our insurance agent to receive a consultation and clarification on the policy issuance process.
2. Choose the appropriate policyTogether with the insurance agent, choose a policy that best meets your needs and requirements.
3. Provide the necessary documentsPhoto of your passport or NIE (preferably)Account in a Spanish bank (or any other EU bank) for monthly payments. If payment is made annually, the account number is not required.
4. Complete the health questionnaireFill out the health questionnaire to assess your medical indicators.
5. Wait for confirmation from the risk departmentAfter submitting the questionnaire, wait for confirmation from our risk department.
6. Sign the online documentAfter approval, sign the contract online to complete the issuance process.
7. Receive your policyAfter signing the contract, you will receive your insurance policy, which will provide you with the necessary protection.