Your tailor-made Private Health Insurance with Generali
With a Generali private health insurance you have access to a wide range of doctors, specialists, tests and hospitalisation with reduced waiting times. I help you to choose the modality that best suits your situation: individuals, families, self-employed or foreigners who need a medical treatment. health insurance for living in Spain. The Insurance Option Premium or Libre Eleccion are ideal, with no co-payments and no deficiencies, for the processing of residence permits at the Foreigners' Office of the National Police.
Public health care is a good basis, but it often does not cover everything: waiting lists, lack of choice of specialist or difficulties when you move to another city. With a Generali health insurance you choose the doctor and centre, you have earlier access to tests and you have more personalised attention, both in face-to-face consultations and in video-consultation services.
Find the right health insurance for you and your family
Maximum freedom and exclusivity. Go to any specialist or hospital in the world, whether or not they are on our medical list, and we will reimburse your expenses.
Total peace of mind for your family. Complete coverage that includes consultations, diagnostics, surgery and hospitalisation through our Medical Directory.
Exclusive coverage for hospital admissions and surgeries. Perfect if you want to be protected against major medical or surgical unforeseen events.
1. What is the difference between a health insurance with a medical directory and a reimbursement health insurance?
With a medical insurance policy, you go to specialists and hospitals in the Generali network using your card, paying only your premium or a small co-payment. In the reimbursement modalities (such as Salud Total or Salud Elección), you can go to any specialist or hospital in the world, and Generali reimburses you up to 80% of the expenses abroad and 90% in Spain.
2. Are there any waiting periods when taking out health insurance?
Yes, as is usual in the sector, some coverage requires a waiting time after discharge: 3 months for surgery and high-tech diagnostic tests, 6 months for other hospitalisations and 8 months for pregnancy and childbirth. However, all waiting periods are cancelled if the care is due to an accident or a life-threatening emergency.
3. How do co-payments work in the MiSalud Esencial insurance?
Co-payments are small shares for the use of services to keep the monthly premium low. For example, general medicine and nursing have a co-payment of €5, specialist consultations €10, standard diagnostic tests €18, MRI scans €40 and CT scans €70.
4. Can I include my newborn baby in the policy without a waiting period?
Yes, newborn children can be automatically added to the policy without waiting periods if they are registered within 15 calendar days of birth, provided that the mother was already entitled to the childbirth benefit under her own insurance.
5. Are emergencies covered if I travel outside Spain?
Yes, health insurance includes Travel Assistance cover, which covers medical assistance for illness or accident occurring while travelling around the world, as long as the stay outside your usual residence does not exceed 90 consecutive days.
6. Does the Generali health insurance cover psychological treatment?
Yes, the insurance covers individual psychological consultations for the treatment of pathologies or diagnosis, as long as they are previously prescribed by a psychiatrist. The established limit is 4 consultations per month and a maximum of 20 sessions per year.
7. Up to what maximum age can I take out health insurance?
The maximum age limit for new contracts depends on the policy. In «MiSalud Esencial» the age limit is 59 years old. For «Salud Clinic» and other standard plans, the limit is 60 years. In the «Salud Elección» mode, income is accepted up to the age of 64, and exceptionally up to the age of 69 in family contracts. There is no age limit for remaining in the policy once it has been taken out.
8. Does the insurance cover prostheses or implants if I have to undergo surgery?
Yes, the policy covers the cost of internal prostheses required after an operation, such as heart valves, pacemakers, osteosynthesis material, hip prostheses, the intraocular lens in cataract surgeries and breast prostheses after a radical mastectomy. External and orthopaedic prostheses are excluded.
9. Does the insurance cover the costs of follow-up care during pregnancy and childbirth?
Yes, hospital and comprehensive protection policies cover the monitoring of the pregnancy by an obstetrician, ultrasound scans, delivery or caesarean section, midwife's fees and epidural anaesthesia, provided that the 8-month waiting period has been exceeded.
10. Is cosmetic surgery or weight loss treatments covered?
No, treatments of a purely aesthetic nature, surgeries for myopia or astigmatism, as well as slimming cures and obesity treatments, are excluded from coverage. Only restorative plastic surgery is covered when it is necessary as a result of an accident or burn.
11. Does the health insurance cover me for basic dental care?
It depends on the modality chosen. Comprehensive policies include services such as dental care, annual cleaning and extractions. In addition, you can complement your insurance with the optional «Dental Service Plus» guarantee, which gives you access to more than 2,000 specialists and treatments at very low prices, with numerous free events.
12. What happens if I am admitted to public health care and I do not use my private insurance?
Generali rewards the non-use of the policy. If you are admitted to hospital covered by your insurance, but decide to use the public health system, you are entitled to a daily hospitalisation allowance (which can be €50, €90 or €150 per day depending on your contracted plan) to compensate you for unforeseen expenses.
13. Do I need prior authorisation to see any medical specialist?
You do not need authorisation for ordinary consultations with specialists from the medical directory, you just need to show your card. However, you will need to request prior authorisation (either online or by telephone) for hospital admissions, surgery, high-tech diagnostic tests (such as CT or MRI scans) and special rehabilitation or chemotherapy treatments.
14. Does Generali cover fertility and assisted reproduction treatments?
In policies such as Salud Opción Premium, the study and treatment of infertility is included, covering up to 3 artificial insemination attempts and 2 cycles of In Vitro Fertilisation (IVF). To access this coverage, both members of the couple must be insured, have 24 months of seniority in the policy and the woman must not exceed 42 years of age.
15. If I choose the refund insurance, how and when do I get my money back?
If you go to a doctor outside of the medical insurance, you must pay for the consultation and request reimbursement by sending the original invoices and medical prescriptions via the app or website within a recommended period of 7 days. Generali will pay the corresponding percentage into your bank account within approximately 20 days of receiving the documentation.
16. What cancer treatments are covered by the insurance?
The insurances comprehensively cover the treatment of oncological diseases, including hospital and surgical care, as well as radiotherapy, cobalt therapy and chemotherapy sessions on an inpatient or outpatient basis.
17. Does the insurance cover me if I have an accident while practising sport?
The policy covers you in the practice of sports at amateur level, but explicitly excludes accidents derived from the practice of sports at professional level, as well as sports of high manifest risk (mountaineering, boxing, diving, free flight, motorcycling or martial arts) unless they have been expressly declared and accepted in the Particular Conditions.
18. Are the medicines prescribed by the doctor included?
The insurance covers all medication and treatments administered while the patient is in hospital, as well as cytostatic drugs for chemotherapy. However, pharmaceuticals purchased at the pharmacy for treatment at home (out-of-hospital) are not covered and are at the insured person's expense.
19. If I have a serious illness, can I ask for another expert's opinion?
Yes, the policies include a «Second Medical Opinion» guarantee. In the event of severe diagnoses such as cancer, cardiovascular or neurological diseases, you can ask internationally renowned medical experts to review your case, confirm the diagnosis and advise you on the best possible treatment.
20. What preventive health services are included in my annual insurance?
The insurance covers an extensive prevention programme according to the age and sex of the insured, which includes complete gynaecological check-ups (with cytology and mammograms), urological check-ups for the prevention of prostate cancer, control of cardiovascular risk, annual dental cleaning and paediatric check-ups for the correct development of children.