Generali Salud Opción Premium Policy Conditions (English Translation)
Generali's top medical-network health plan — and the one that can be taken with no co-payment for Spanish visas. In plain English.
Salud Opción Premium is the top version of Generali's medical-network health insurance — the most complete cover, and crucially the one that can be arranged without co-payments (sin copago). That combination is what makes it the Generali policy used for Spanish residence visas.
It is the top 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 arrange the policy and the visa certificate.
The cover
How it works — the medical network ↑ top
Generali provides care through its Cuadro Médico Premium, its widest panel of doctors, specialists, clinics and hospitals. You freely choose a provider from the panel and Generali settles the cost directly. Urgent, life-threatening care is always covered (Article 103 of the Insurance Contract Act).
Co-payment — and the sin-copago option ↑ top
Premium can be taken two ways, and this is the key choice:
- With co-payment (con copago) — you pay a small fixed amount per service used; the premium is lower. The co-payment level is set in your Particular Conditions.
- Without co-payment (sin copago) — you pay nothing per service; there is no additional cost beyond the premium. The policy wording states this expressly: “there is the possibility of taking out the policy without co-payment, in which case no additional cost to the premium will be charged.” This is the version used for visas.
What is covered ↑ top
The cover is grouped into:
- Concerted medical care — primary care (general medicine, paediatrics to 14, nursing, podology, home medical emergencies, psychology); the full range of medical & surgical specialities; diagnostics (lab, X-ray, ultrasound, CT, MRI, scintigraphy, endoscopy); hospitalisation & surgery (medical, surgical, paediatric, ICU; psychiatric capped at 60 days/year), with prostheses, chemotherapy/radiotherapy, dialysis, rehabilitation and an ambulance; plus travel assistance abroad and preventive medicine.
- Reimbursement of fees in Spain (optional) — if contracted, the reasonable & usual fees of a freely chosen doctor for primary care and for obstetrics & gynaecology can be reimbursed.
- Complementary family cover — a daily hospital cash benefit for illness and accident, and a dental guarantee.
Premium extras ↑ top
As the top plan, Premium pairs the widest network with the option to reimburse a freely chosen doctor's fees in Spain (so you are not tied to the panel for primary care and gynaecology), plus the daily hospital cash and dental guarantees — useful for families. Exactly which of these you hold is shown in your Particular Conditions.
Using it for a visa ↑ top
For the non-lucrative visa (NLV) and the digital nomad visa (DNV), ask for Premium sin copago. Generali then issues a certificate confirming full health cover in Spain with no co-payments and no annual limit for a one-year term — the document Spanish consulates require. We handle the policy and the certificate together. See our non-lucrative visa insurance and digital nomad visa insurance pages, and the NLV guide and DNV guide.
Waiting periods, exclusions & claims ↑ top
The standard waiting periods apply from the date you join — 3 months for surgery, hospitalisation and complex diagnostics, 8 months for pregnancy and childbirth — and are waived in a vital emergency or after an accident. (For visa policies Generali confirms the cover position in the certificate.) Standard health exclusions apply (undeclared pre-existing conditions, cosmetic treatment, spas, non-prescribed medicines, experimental treatments, self-inflicted injury, 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.