Generali Salud Opción Single Policy Conditions (English Translation)
The streamlined individual medical-network health plan from Generali, in plain English.
Salud Opción Single is the individual version of Generali's medical-network health insurance. You choose your doctors, specialists, clinics and hospitals from Generali's Cuadro Médico Premium, and Generali pays the provider directly — you don't pay up front and reclaim. It is the streamlined, value option for one person.
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
Generali provides care through its Cuadro Médico Premium — a panel of approved doctors, specialists, clinics and hospitals. When you need treatment you simply choose a provider from the panel and show your Generali card; Generali settles the cost directly. Urgent, life-threatening care is always covered (Article 103 of the Insurance Contract Act).
What is covered ↑ top
The cover is the standard Generali health framework:
- Primary care — general medicine, qualified nursing, podology, a home medical-emergency service, and psychology (sessions prescribed by a psychiatrist).
- Medical & surgical specialities — the full range (cardiology, dermatology, digestive, endocrinology, gynaecology, neurology & neurosurgery, oncology, ophthalmology, ENT, traumatology, urology and the rest), with the operations they involve.
- Diagnostics — laboratory, X-ray, ultrasound, CT, MRI, scintigraphy, endoscopy.
- Hospitalisation & surgery — medical, surgical and ICU hospitalisation (psychiatric capped at 60 days/year), theatre, prostheses from the defined list, chemotherapy and radiotherapy, dialysis and rehabilitation, plus an ambulance.
- Travel assistance abroad and preventive-medicine programmes, as set out in the Particular Conditions.
Co-payment ↑ top
Depending on how the policy is arranged, a small co-payment (copago) may apply per service used from the network — the level is shown in your Particular Conditions. We will confirm the exact co-payment that applies to your quote.
Waiting periods (carencias) ↑ top
Cover starts on the effective date, except for the standard waiting periods from the date you join: 3 months for surgery, hospitalisation and complex diagnostics/special treatments, and 8 months for pregnancy and childbirth. They are automatically waived in a vital emergency or where the claim results from an accident.
Main exclusions ↑ top
The policy does not cover, among others: undeclared pre-existing conditions; purely cosmetic treatment; cures, spas and rest-home stays; non-prescribed medicines and out-patient pharmacy; experimental treatments; care for purely social reasons; self-inflicted injury and the effects of alcohol or drugs; and the consequences of war, riot, nuclear reaction and declared pandemics. The full binding list is in the Spanish conditions.
Claims & renewal ↑ top
For network care you just show your card — there is nothing to claim. The policy runs for the term in the Particular Conditions and renews automatically each year. Cover for the insured ends on death or on ceasing to reside in Spain at least 180 days a year. The policy is based on the health questionnaire, so accurate disclosure matters.