Generali Salud Clinic Policy Conditions (English Translation)
Generali's hospital & surgery health plan — affordable cover for the big medical events, in plain English.
Salud Clinic is a hospital-and-surgery health plan. Rather than cover every routine GP visit, it concentrates on the big, expensive events — hospitalisation, operations and cancer treatment — together with the diagnostics and consultations directly around them. That focus makes it a more affordable way to protect yourself against major medical costs, with the Generali network and a reimbursement option.
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
What this plan covers — and what it doesn't ↑ top
Salud Clinic is designed around hospitalisation and surgery. It covers:
- Hospital and surgical care for a covered illness or accident;
- the out-patient care in the 60 days before a covered hospitalisation or operation (the diagnostics that lead to it);
- the out-patient care in the 90 days after it (the follow-up);
- oncology treatments (chemotherapy, radiotherapy, brachytherapy) for up to 540 days after diagnosis.
It is not a full GP/specialist plan: routine consultations and tests that are not linked to a covered hospitalisation or operation (and fall outside those 60/90-day windows) are not covered. If you want everyday primary and specialist cover too, look at Salud Opción or Salud Elección.
The cover in detail ↑ top
Within that hospital-centred scope, the policy includes: hospital room and board, ICU, surgeons' and anaesthetists' fees, theatre, prostheses, the pre- and post-operative consultations and diagnostics (in the 60/90-day windows), oncology treatments, an ambulance, a medical-fee reimbursement option (free choice of surgeon/centre), travel assistance, a dental guarantee, and a 24-hour medical teleconsultation service. You can use Generali's medical network (paid directly) or free choice with reimbursement.
If you use the public system instead ↑ top
If a covered hospitalisation is met some other way (for example through the public health system) so the policy is not used, Generali pays a daily cash indemnity of €150 for each day in hospital, up to 180 days per insured and claim — a useful cushion towards the extra costs of a hospital stay.
Waiting periods (carencias) ↑ top
The standard waiting periods apply from the date you join: 3 months for surgery, hospitalisation, complex diagnostics and special treatments. They are waived in a vital emergency or where the claim results from a covered accident.
Exclusions & claims ↑ top
Standard health exclusions apply — undeclared pre-existing conditions, cosmetic treatment, cures/spas, non-prescribed medicines, experimental treatments, self-inflicted injury and the effects of alcohol/drugs, and war/nuclear/declared-pandemic events — as well as routine out-patient care outside the covered windows. On the network route Generali pays the provider directly; on the free-choice route you submit the original invoices and medical reports. The policy renews automatically each year.
Note on visas ↑ top
Because Salud Clinic does not include full routine out-patient cover, it is not suitable for a Spanish residence-visa certificate. For a visa, the policy to use is Salud Opción Premium sin copago — see our non-lucrative visa insurance and digital nomad visa insurance pages.