Generali Critical Illness (Enfermedades Graves) Policy Conditions (English)
Generali's serious-illness health policy — full treatment cover for cancer, heart attack, stroke and more, in plain English.
Generali Critical Illness (Salud Enfermedades Graves) is a serious-illness health policy. If you are diagnosed with one of the covered critical illnesses, it pays the full, reasonable and usual medical and surgical costs of treating it — in hospital and out — up to the sum insured, for as long as five years from diagnosis. It is a focused, lower-cost way to make sure the illnesses that cost the most to treat are fully covered.
It works as either a standalone policy or alongside a general health plan. For a plain-English overview or a quote, see our health insurance in Spain page or contact our team. As an authorised exclusive Generali agent, Turner Insurance can explain any clause below.
🛡️ Looking to take out this cover? See our critical illness insurance in Spain page to compare it and get a free quote, or contact our team.
The cover
How it works ↑ top
Unlike a lump-sum policy, Critical Illness pays the actual cost of treatment. On the diagnosis of a covered serious illness, Generali meets the medical and surgical costs — consultations, diagnostics, hospitalisation (with or without surgery, ICU), special treatments and related costs — up to the sum insured in your Particular Conditions, and for up to five years from the date of diagnosis of that illness.
The covered critical illnesses ↑ top
The policy covers the treatment of these ten serious illnesses (each precisely defined in the conditions):
What it pays for ↑ top
For a covered illness, the policy meets: hospitalisation (private room with a companion bed; surgeon, assistants, anaesthesia, theatre, materials and medicines; ICU); special treatments (radiotherapy, chemotherapy, isotopes, dialysis, etc.) in authorised hospitals; and the consultations and diagnostic tests directly related to a covered hospitalisation or treatment, whether before, during or after. The sum insured is the overall limit across the (up to five) annual periods for the same serious illness.
Direct billing & excess (franquicia) ↑ top
- Recommended Services in Spain — no excess: Generali pays the hospitals and doctors directly, so you pay nothing.
- Free choice — you use any specialist or centre, pay, and Generali reimburses with an excess of 30% in Spain or 10% abroad.
Second opinion, travel & cash benefit ↑ top
- Second Medical Opinion — access to internationally recognised specialists for a second diagnosis on a serious illness (Annex I).
- Travel assistance — via Europ Assistance, for trips of up to 60 days (medical transfer, repatriation, family travel and more; Annex II).
- Daily cash benefit — if, with Generali's prior approval, you are treated through another route at no direct cost (e.g. the public system), Generali pays €50 per day in hospital, up to 90 days, as compensation.
Waiting period, exclusions & territory ↑ top
A waiting period applies from the start date (Article 6), and pre-existing illnesses — diagnosed, treated or symptomatic before you joined — are excluded, along with the general exclusions in Article 4 (self-inflicted harm, the effects of alcohol/drugs, war, nuclear events, etc.). The sum insured is the maximum for the same illness across up to five years. The territorial scope and the full exclusions are set out in Articles 4 and 5 of the Spanish conditions — ask us if any point needs clarifying.