Generali Salud Opción Family Policy Conditions (English Translation)
Generali's medical-network health plan built for families — maternity, paediatrics and more, in plain English.
Salud Opción Family is the family version of Generali's medical-network health insurance. It gives the whole family access to Generali's Cuadro Médico for everyday and specialist care, with Generali paying providers directly — and it adds the cover families lean on most: maternity and childbirth, paediatrics and complementary family benefits.
It is one of the three Salud Opción options. 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
Care is provided through Generali's medical network (the Guía Médica). You choose a provider from the panel, show your card, and Generali settles the cost directly. Urgent, life-threatening care is always covered.
What is covered ↑ top
The core cover is the standard Generali health framework — primary care (general medicine, nursing, podology, home emergencies, psychology), the full range of medical & surgical specialities, diagnostics (lab, X-ray, ultrasound, CT, MRI, endoscopy), and hospitalisation & surgery (medical, surgical and ICU; psychiatric capped at 60 days/year), with prostheses, chemotherapy/radiotherapy, dialysis, rehabilitation and an ambulance. Travel assistance abroad and preventive medicine are included as set out in the Particular Conditions.
For families — maternity & children ↑ top
The Family plan emphasises the cover families use most:
- Maternity & childbirth — pregnancy monitoring by an obstetrician, delivery (with midwife) and epidural anaesthesia.
- Paediatrics — cover for children to age 14, plus child preventive-medicine programmes.
- Complementary family benefits — depending on the cover taken, a daily hospital cash benefit and a dental guarantee can be added.
Co-payment ↑ top
Salud Opción Family is a co-payment plan: you pay a small fixed copago for each service used from the network (the amounts are set in your Particular Conditions and the Guía Médica). Co-payment plans keep the premium down, but note that — because of the co-payment — this plan is not the one used for visa/residency certificates (for that, see Premium sin copago).
Waiting periods (carencias) ↑ top
The standard waiting periods apply from the date you join: 3 months for surgery, hospitalisation and complex diagnostics, and 8 months for pregnancy and childbirth (no waiting period for a vital-emergency or premature birth). All are waived in a vital emergency or after an accident. If you are planning a pregnancy, factor in the 8-month maternity waiting period.
Main exclusions & claims ↑ top
Standard health exclusions apply — undeclared pre-existing conditions, cosmetic treatment, spas/rest homes, non-prescribed medicines, experimental treatments, 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. The policy renews automatically each year and is based on the health questionnaire.