Critical Illness Insurance in Spain

Generali serious-illness cover that pays the full cost of treating cancer, a heart attack, a stroke and more — for English-speaking expats across Spain.

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Quick Answer — Critical Illness Insurance Spain

What it paysFull treatment costs for a covered serious illness

Illnesses covered10 (cancer, heart attack, stroke & more)

For how longUp to 5 years from diagnosis

In the Generali networkNo excess — Generali pays providers directly

What is critical illness insurance?

Critical illness insurance in Spain — Generali's Salud Enfermedades Graves — is a focused health policy that makes sure the illnesses that cost the most to treat are fully covered. Unlike a lump-sum policy, it pays the actual, reasonable and usual medical and surgical costs of treating a covered serious illness, in hospital and out, up to the sum insured and for as long as five years from diagnosis.

It is an affordable way to add certainty on top of (or alongside) a general health plan: if one of the big illnesses strikes, the consultations, diagnostics, surgery, hospital stays and special treatments are taken care of.

The ten serious illnesses covered

The policy covers the treatment of these precisely defined conditions:

Cancer — a malignant tumour with uncontrolled spread (includes leukaemia, except chronic lymphocytic, and Hodgkin's disease)
Heart attack (myocardial infarction)
Stroke (cerebrovascular accident) with permanent neurological damage
Brain disease from benign tumours or vascular malformations needing high-technology surgery
Kidney (renal) failure requiring dialysis or transplant
Coronary artery surgery (bypass or balloon angioplasty)
Heart-valve replacement
Multiple sclerosis with moderate, persistent deficit
Vital-organ transplant (heart, lung, liver, bone marrow or pancreas)
Paralysis — permanent loss of movement and sensation in two or more limbs

How it pays

You have two routes, and you can use either:

Recommended Services in Spain — no excess. Generali settles the hospitals' and doctors' bills directly, so you pay nothing.
Free choice. Use any specialist or centre you like, pay, and Generali reimburses with an excess of 30% in Spain or 10% abroad.

The cover also includes a second medical opinion for serious illnesses, travel assistance, and a €50-a-day cash benefit (up to 90 days) if you are treated through the public system instead.

Who is it for?

It suits anyone who wants the reassurance that a major diagnosis will be met in full — whether as a standalone policy or alongside a general health plan such as Salud Opción or Salud Elección. It is popular with expats who want to be sure that cancer or cardiac treatment will not be capped or delayed.

Critical Illness Insurance Spain — FAQs

No. A general health plan covers everyday and specialist care; critical illness cover is focused on the serious, high-cost illnesses and pays the full cost of treating them for up to five years. Many people hold both, or use critical illness cover as an affordable safety net.

No — this Generali policy pays the actual medical and surgical costs of treatment (not a fixed cash sum). Via the recommended network in Spain there is no excess and Generali pays providers directly; on free choice you are reimbursed with a 30% excess in Spain or 10% abroad. There is also a small daily cash benefit if you use the public system.

Ten defined serious illnesses: cancer, heart attack, stroke, brain disease from benign tumours or vascular malformations, kidney failure, coronary artery surgery, heart-valve replacement, multiple sclerosis, vital-organ transplant and paralysis. The exact definitions are in the policy conditions.

Illnesses already diagnosed, treated or showing symptoms before you joined the policy are excluded, and a waiting period applies from the start date. We will go through the health declaration with you so the cover is valid when you need it.

Yes. We have translated the complete Generali Critical Illness (Enfermedades Graves) conditions into plain English — see our critical illness policy conditions page.

Cover the illnesses that matter most

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See also our health insurance in Spain page and the full critical illness policy conditions in English.