Generali MiSalud Esencial Policy Conditions (English Translation)
Generali's essential, budget-friendly medical-network health plan, in plain English.
MiSalud Esencial is Generali's essential, entry-level health insurance — the budget-friendly way into private healthcare in Spain. It gives you access to Generali's Cuadro Médico Premium for the cover most people use day to day, with a co-payment to keep the premium low.
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.
The cover
How it works — the medical network ↑ top
MiSalud Esencial provides care through Generali's Cuadro Médico Premium. You choose a provider from the panel, show your Generali card, and Generali settles the cost directly — you pay only the co-payment per service. Urgent, life-threatening care is always covered.
What is covered ↑ top
The plan covers the essentials of private healthcare through the network:
- Primary care — general medicine, paediatrics, nursing and a home medical-emergency service.
- Specialists — the range of medical and surgical specialities.
- Diagnostics — laboratory, X-ray, ultrasound and the main complementary tests.
- Hospitalisation & surgery — the core hospital and surgical cover, as set out in your Particular Conditions.
Exactly which guarantees and limits you hold are in your Particular Conditions — as an essential plan, some higher-cost items may be capped or excluded compared with the fuller plans.
Co-payment ↑ top
MiSalud Esencial is a co-payment plan: you pay a small fixed copago for each service used from the network, set in your Particular Conditions. The co-payment is what keeps this plan affordable — you only pay when you actually use a service.
Waiting periods (carencias) ↑ top
The standard waiting periods apply from the date you join: 3 months for surgery, hospitalisation and complex diagnostics, and (where maternity is included) 8 months for pregnancy and childbirth. They are waived in a vital emergency or where the claim results from an accident.
Exclusions & claims ↑ top
Standard health exclusions apply — undeclared pre-existing conditions, cosmetic treatment, cures/spas/rest homes, non-prescribed medicines, experimental treatments, care for social reasons, self-inflicted injury and the effects of alcohol/drugs, and war/nuclear/declared-pandemic events. For network care there is nothing to claim — just show your card and pay the co-payment. The policy renews automatically each year and is based on the health questionnaire.
Note on visas ↑ top
Because MiSalud Esencial is a co-payment plan, it is not suitable for a Spanish residence-visa certificate (consulates require sin copago). For a visa, use Salud Opción Premium sin copago — see our non-lucrative visa and digital nomad visa pages.