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. That makes it hard to know what you are actually 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. You get them article by article, with the cover, the limits and the exclusions explained. Choose a policy below to read it.
Motor
Motor (Cars, Vans & Motorhomes)
The Generali Autos conditions. Same policy for cars, vans and motorhomes: liability, legal defence, assistance, theft, fire and own-damage cover.
Read the motor conditions →Quality Motor (Car)
The Generali Quality Motor car conditions in full. Cover article by article, general exclusions and scope, assistance, replacement vehicle and how a claim is handled.
Read the car 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 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. 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. 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 Opción Single
The full conditions of the streamlined individual plan. Policy and how it works, the cover under Article 10, reimbursement and complementary cover.
Read the Single conditions →Salud Opción Family
The full conditions of the family plan. General conditions, what the family policy covers, and the claims and contract articles.
Read the Family conditions →Salud Opción Premium
The full conditions of the Premium plan — taken sin copago this is the option that qualifies for Spanish visas. Cover, family cover, waiting periods and exclusions.
Read the Premium 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. 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. 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 (Mar Estrella)
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 →Náutico (Boat)
Generali's own-brand pleasure-craft policy — the compulsory and voluntary liability, hull, accident and assistance for recreational and sports boats.
Read the Náutico conditions →Marine Hull (Cascos)
Marine hull cover for the vessel itself — perils of the sea, particular average and collision liability, for commercial and larger craft.
Read the marine hull conditions →Ship Repairers' Liability
Commercial civil-liability cover for boatyards and ship-repair businesses — vessels in care/custody/control, sea-trial damage, detention and more.
Read the ship repairers conditions →Institute Yacht Clauses (CL.328)
All 23 Institute Yacht Clauses used in Generali's Náutico yacht hull cover, translated in full — including the paramount clauses.
Read the Institute clauses →Transport & Cargo
Land Transport (Road)
The Generali Mercancías Terrestre conditions. Goods-in-transit cover for cargo carried by road in Spain, in four risk tiers from basic to all-risks.
Read the land transport conditions →Air Transport
The Generali Cargadores Aéreos conditions. Air-freight cargo cover for goods shipped by air: aircraft accident, fire and proven break-in theft.
Read the air transport conditions →Multimodal Transport
The Generali Multimodal conditions. International cargo cover for goods carried by combined road, sea and air on a single policy.
Read the multimodal conditions →Maritime & Transport Liability
The Generali RC's Marítimas y de Transportes conditions. Civil liability for carriers, freight forwarders and logistics operators (not the goods).
Read the transport liability conditions →