The insurance policy SALUD TOTAL provides for complete medical care, from medical advice of a paediatrician and other conventional medicine specialists, analysis, diagnostics, surgery and hospitalisation, to all sorts of treatments for rehabilitation after illness or injury.
From the first day after celebration of the insurance policy, you are entitled to receive any necessary treatment for de novo diseases not included in the point below, and to get medical aid in case of accident.
Hospitalisation will be covered after the following periods since contract signature:
- 6 months for surgery in the following cases:
Hernia, varicose veins, diseases of the genitourinary system, adenoids, tonsils, appendicitis and catheterisation.- 3 months for other cases requiring surgery and hospitalisation, excluding hospitalisation due to accident or urgent hospitalisation for de novo diseases, diagnosed after the insurance policy was contracted.
Outpatient care will be covered after 6 months as from the date when the insurance contract was signed for the following diseases and analysis:
High-tech medical tests: catheterisation and other internals analysis, as well as arthroscopy, laparoscopy and amniocentesis.
Treatments: lithotripsy, radiotherapy, cobalt therapy and chemotherapy.
Outpatient surgical intervention.
Services for preventive medicine will be included 12 months after the insurance contract signature.
Services and treatments related to pregnancy, childbirth and new-born care:
All procedures related to pregnancy, childbirth and possible complications, related to pregnancy will be included 8 months after the insurance contract was signed.
“New-born care” option will apply only if birth takes place 8 months after insurance contract was taken out.
All aforementioned temporary restrictions (carencias) (except pregnancy) may be cancelled if you transfer from another insurance company with similar guarantees. In this case, the limitations will be cancelled for the services included in the previous policy.
Generally, all insurance companies exclude pre-existing diseases or pathologies from the insurance policies. The same rule applies to pregnancy: if at the moment when the insurance contract was signed, the pregnancy existed, the insurance will not cover the pregnancy, nor childbirth. This condition remains in force for 8 months from the moment when the insurance contract was signed.
Average price of a policy for a family of three is about 1800 Euro per year. Price of insurance depends mostly on age, health condition, number of insured in a contract, selected guarantees and capitals.
Every now and then insurance companies launch special offers allowing to save up to 25% of the price of your insurance. Ask our advice and we will select the best option for you!
To calculate the price of your policy you need to indicate number of insured under the contract (not less than 2 for a family policy);
Location where you reside in Spain;
Sex and dates of birth of the insured;
You can choose between annual, semestral, quarterly or monthly payments. If you choose annual payment, you will enjoy a discount, for all other payment options the price will be slightly increased due to split payment. Payment arrangements depend on the client and criterions of the company.
Insurance instalments may be paid through a bank account (direct debit of bills); with a bankcard or in cash.
To formalize an insurance contract the following documents are required:
-copy of a passport and residence permit or a NIE (foreign citizen identification number)
-number of an account in a Spanish bank for debit of bills
-height and weight of all insured
-a filled out and signed form on health condition – Solicitud de salud.
List of documents and form attached
Subject to providing all necessary documentation, filled out and signed application form and absence of any diseases requiring time for the company to evaluate risks, the contract will be signed on the same day.
To be attended in the medical centres from the list of “Recommended Medical Care” you only need an individual plastic card issued by Generali Seguros.
Information about recommended medical centres is available at:
902 201 420
Or www.generali.es – Guias Medicas
With family insurance Salud Total you will never be required to make any extra payments when attended in the recommended medical centres.
Generali Company has the most complete list of hospitals, clinics and medical centres all over Spain.
Nearly all private clinics, located in the region – Alicante province – work with Generali Seguros.
Generali Seguros collaborates with nearly all English-speaking doctors and physicians officially working in private hospitals of Alicante, Benidorm, Albir, Altea, Calpe, Benissa and Moraira and other close-by towns. When you formalize your policy, you will additionally get details of relevant physicians and hospitals.
Helping with coordination and translation depends on every doctor, but usually some English-speaking personnel is available to help with translation.
Insurance policy SALUD TOTAL enables you to get medical services in the whole territory of Spain and to choose any specialist and medical centre anywhere in the world with the refund option – reembolso.
To get the refund you have to fill out a form and submit it along with your bills from the hospital to the insurance company and you will get 80% refund, subject to limitations stipulated in your contract.
In this case, you can chose any doctor you wish.
Insurance policy SALUD TOTAL meets all requirements to apply for or renew your residence permit in Spain. On clients´ request, we provide a full set of documents (contract, certificate, payment confirmation, repatriation contract).
Usually health insurance policies are contracted by people who spend most of the time in Spain, but it is not a mandatory requirement.
To formalise an insurance policy it is enough if one member of your family has a NIE or a residence permit. This person will be the holder of the policy –tomador, all other family members will be included in the policy as insured – asegurados, and they only need a passport.
You may formalise your insurance policy without visiting our office, you only have to send all necessary documentation and a signed application form by e-mail, and your contract will be sent to you the same way. Later you may visit our office and collect all hardcopies. Exceptionally all your documents may be sent by ordinary mail. Plastic cards will be sent by post to your residential address.
If your age is 60 to 65, you will have to get approval from the company. If your health condition is good, normally there will be no problem to formalize your insurance policy.
For over-65s the company will sign an insurance policy only as an exception, subject to reasonable grounds.
(all additional and more detailed information will be provided during personal consultation, in exceptional cases we can find solutions for people up to 75 years old)
Application with questionnaire in English is in the attachment.
(Ilf and Petrov)
