Services commonly offered
Products may include primary care, specialists, diagnostic tests, emergency care, hospital treatment and surgery. The exact benefit, network and authorisation rules control.
Documents do different jobs
A marketing page summarises. A certificate proves selected facts. The product information document highlights important features. The full policy and personal terms define your cover.
Check practical access
Confirm local hospitals, English-speaking support if needed, referrals, prior authorisation and what happens outside the approved network.
Outpatient and hospital care
Products may separate consultations, diagnostics, hospital admission, surgery and post-operative treatment. Check referral and authorisation rules.
Medicines, devices and therapies
Outpatient prescriptions, implants, physiotherapy, psychology and dental benefits can each have separate limits.
Outside the network or Spain
Some policies include reimbursement or overseas assistance. Read the percentage, ceiling, territory and notification procedure.