Generali Insurance Policy Conditions in English
Plain-English translations of the Generali policy wording — so you can see exactly what is covered before you buy.
Spanish insurance policies are written in Spanish, which makes it hard to know precisely what you are covered for. As an authorised exclusive Generali agent, Turner Insurance has translated the full general conditions of our most popular Generali products into clear English — article by article, with the cover, limits and exclusions explained. Choose a policy below to read it.
Motor
Motor (Cars, Vans & Motorhomes)
The Generali Autos conditions — the same policy for cars, vans and motorhomes: liability, legal defence, assistance, theft, fire and own-damage cover.
Read the motor conditions →Life, Health & Protection
Life Insurance
The Generali Vida Riesgo conditions — death, disability, serious-illness and accidental-death cover. The same policy for term life, whole-of-life and mortgage protection.
Read the life conditions →Personal Accident
The Generali Accidentes Complet conditions — what counts as an accident, the permanent-disability scale, benefits, geographic scope and exclusions.
Read the accident conditions →Daily Benefit (Income Protection)
The Generali Profesional Plus & Baremado conditions — sick-pay, hospital cash, surgery and disability cover for the self-employed.
Read the daily-benefit conditions →Dental
The Generali Dental conditions — the dental-network plan (free and fixed-price treatments) combined with a daily cash benefit for hospital stays.
Read the dental conditions →Funeral (Decesos)
The Generali Protección Familiar conditions — the funeral service, assistance on death, repatriation for foreign nationals, plus accident and family-assistance cover.
Read the funeral conditions →Health Insurance
Salud Opción
Generali's medical-network health plans — Single, Family and Premium. Premium taken sin copago is the option that qualifies for Spanish visas.
Read the Salud Opción conditions →Salud Elección
Network and reimbursement health cover — use the Generali network or any doctor of your choice and claim the cost back.
Read the Salud Elección conditions →Salud Elección Reembolso
The four reimbursement tiers — 50, 150, 300 and 600 — compared, with their annual limits and reimbursement percentages.
Read the reimbursement tiers →Salud Total
Top international cover — free choice of any doctor or hospital worldwide, with zero out-of-pocket via the recommended network.
Read the Salud Total conditions →Salud Clinic
Affordable hospital & surgery cover — focused on the big medical events (hospitalisation, operations and cancer treatment).
Read the Salud Clinic conditions →MiSalud Esencial
The essential, budget-friendly medical-network plan — the affordable way into Generali's private healthcare.
Read the MiSalud Esencial conditions →Critical Illness
The Generali Enfermedades Graves conditions — full treatment cover for cancer, heart attack, stroke and seven more serious illnesses.
Read the critical illness conditions →Property & Business
Community Insurance
The Generali Comunidad conditions for communities of owners — building cover, common and private areas, civil liability, legal defence and services.
Read the community conditions →Commercial & Business
The Generali Negocio conditions for shops and offices — property, robbery, business interruption, civil liability, products cover and digital services.
Read the business conditions →Travel
Travel — Single-trip (Viajero)
The flagship Viajero conditions — medical and repatriation, travel disruption, baggage, liability, accident, and the optional cancellation and pre-existing modules.
Read the travel conditions →Travel — Multi-trip
The Anual Multiviaje conditions — one annual policy covering unlimited trips up to 90 days each, for frequent travellers.
Read the multi-trip conditions →Travel — Annual Premium
The Viajes Anual Premium conditions — the top-tier annual travel policy with the highest limits and automatic renewal.
Read the Annual Premium conditions →Travel — Studying Abroad
The Viajes Estudios conditions — cover for students, teachers and monitors on courses and placements, including inbound students to Spain.
Read the student conditions →Travel — Cancellation
The Viajes Anulación conditions — standalone cover for the cost of cancelling or cutting short a trip, with the full list of covered reasons.
Read the cancellation conditions →Marine
Marine (Boat & Yacht)
The Mar Estrella recreational-craft conditions — hull and own-damage cover, the compulsory and voluntary third-party liability, personal accident and at-sea assistance.
Read the marine conditions →