Health Insurance San Fulgencio

Generali's provider network includes private clinics in Torrevieja (approximately 15 minutes away), Guardamar del Segura, and Orihuela. We confirm the exact covered locations nearest to you at the time of arranging your policy so you know where to go before you ever need it.

Generali's health plans require a medical declaration at application stage. Many pre-existing conditions are accepted with a specific exclusion attached; others may be covered after a qualifying waiting period. We guide you through the declaration carefully so you understand exactly what will and will not be covered from day one. The EXPAT Medcare plan tends to have broader acceptance criteria for stable conditions.

A GHIC (Global Health Insurance Card) gives access to Spanish public health care at the same level as Spanish nationals — but this still involves waiting times, language barriers, and limited choice of consultant. Private health insurance provides English-speaking doctors, faster appointments, and wider diagnostic options. Most long-term expats in La Marina find private cover worthwhile even if they also use the public system occasionally.