Generali Salud Total Policy Conditions (English Translation)
Generali's top international health plan — free choice of any doctor worldwide, in plain English.
Salud Total is Generali's top-tier, international health plan. Its defining feature is complete freedom of choice: you can use any doctor, specialist, clinic or hospital you wish, in Spain or anywhere in the world, pay, and claim the cost back. And if you choose to use Generali's Recommended Medical Network instead, no excess and no sub-limits apply and Generali pays the provider directly — you pay nothing.
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 — free choice plus the recommended network ↑ top
Salud Total reimburses the cost of medical and surgical treatment for illness or accident — and pregnancy and the newborn — with international cover. You have two routes, and you can mix them:
- Free choice (anywhere in the world): use any provider you like, pay, and claim back — subject to the excess and the sub-limits in your cover level.
- Recommended Medical Network (Spain): use a recommended provider and the excess and sub-limits do not apply — Generali pays the provider directly, so you pay nothing.
This makes Salud Total a strong fit for expats who want to keep their own doctors or be treated abroad, while still having a zero-cost network option at home in Spain.
The three cover levels ↑ top
You choose the annual sum insured that fits your needs:
| Cover level | Option A | Option B | Option C |
|---|---|---|---|
| Annual sum insured | €60,000 | €250,000 | €500,000 |
| Hospital room, per day | €162 | €200 | €230 |
| ICU | No sub-limit | No sub-limit | No sub-limit |
| Major surgery (top group) | €3,600 | €7,200 | No sub-limit |
| Primary-care consult | €40 | €50 | €70 |
| Specialist consult | €70 | €95 | €100 |
| Diagnostics & special treatments | No sub-limit | No sub-limit | No sub-limit |
A summary of the main sub-limits — your Particular Conditions hold the full Cuadro General de Garantías and bind. Using the Recommended Network removes the sub-limits and excess entirely.
What is covered ↑ top
- Hospital & surgical care — room and board, ICU (no sub-limit), surgeons' and anaesthetists' fees (by surgical group), theatre, prostheses, psychiatric hospitalisation (60 days), dialysis and ambulance.
- Out-patient care — primary care and specialist consultations, diagnostics (no sub-limit), special treatments (chemo/radiotherapy etc.), dental, psychiatry & psychology, podology, oxygen therapy.
- Pregnancy & newborn — pregnancy and birth (or caesarean) and treatment of the newborn.
- Travel assistance, a dental guarantee, and a 24-hour medical teleconsultation service.
Excess (franquicia) ↑ top
On the free-choice route an excess (a percentage of the cost) and the cover-level sub-limits apply — for example, maternity carries a 20% excess on free choice. On the Recommended Network route the excess and sub-limits are removed and there is nothing for you to pay. The exact excess by type of cost is in your Particular Conditions.
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. Pregnancy cover has its own conditions — ask us before relying on it.
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. To claim on the free-choice route you submit the original itemised invoices and medical reports; on the Recommended Network route Generali pays the provider directly. The policy renews automatically each year and is based on the health questionnaire.