Your health insurance in Spain, hassle-free
Feel cared for from day one
More specialists closer to you
Settling into a new country takes time: new customs, a new language and even a new healthcare system.
With GENERALI EXPAT Medcare, our health insurance for expats in Spain, you have fast access to leading specialists, support in any emergency, and the ability to manage your appointments easily from your mobile.
Because when you live far from home feeling cared for — with responsive, clear and personalised attention — makes all the difference.
Less waiting. Faster care.
Care without delays
Over 51,000 medical centres, hospitals and healthcare professionals across Spain — with quicker access to specialists, emergency services and diagnostic tests.
Looking after your health worldwide
Up to €35,000 in travel assistance. If you need reassurance about a serious diagnosis, you can request a second medical opinion.
Healthcare at your fingertips
Video consultations, appointments and authorisations — all in one place with MI GENERALI, our customer app, available in English.
+ Wellbeing
Monthly psychological support, free dental services and access to wellbeing specialists at exclusive rates.
Simple and in English
Take out your policy up to age 74*. It’s easy — receive all documentation and support in English.
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*Subject to medical underwriting.
As much protection as you need
STANDARD COVER
- Primary care: General medicine, pediatrics and nursing care. Podiatry with up to 6 chiropody sessions per year (excluding foot pathology) and psychological support (4 consultations per month, up to 20 per year). Emergency medical care at home. National and international medical transport.
- Medical and surgical specialties: Specialties recognised by the Official College of Physicians, tests and diagnostic procedures, ambulance service, rehabilitation, and medical, surgical, psychiatric and childbirth care in in-network clinics.
- Travel assistance (up to 90 days): Up to €35,000 per insured person for medical assistance due to illness or accident anywhere in the world.
- Preventive care: Medical and gynaecological check-ups and 3 age-based prevention programmes.
- Second medical opinion: Access internationally renowned specialists for guidance in the event of a serious illness.
- Telemedicine and video consultations: 24/7 medical support and online prescription services.
- Wellbeing programme: Access to wellbeing specialists at exclusive rates: acupuncture, eye surgery, spas & gyms, aesthetic medicine and more.
OPTIONAL COVER
- Reimbursement: Use any medical or surgical service in Spain outside our extensive medical network and receive 80% reimbursement of the cost, subject to the following limits:
- Prime MedCare: €5,000 in primary care and €15,000 in obstetrics
- Top MedCare: €50,000, €150,000 or €300,000 depending on your plan
- Daily hospital cash benefit: Receive up to €60 per day if hospitalized due to illness or accident*, up to a maximum of 120 days. If admitted to an ICU, receive up to €120 per day.
- Dental care: Includes free services such as diagnosis, extractions, X-rays, an annual cleaning and fillings for permanent teeth for children under 14. Additional services available at exclusive rates.
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*For children under 5 and adults over 65, the benefit is limited to hospitalisations involving surgical intervention.
We are here to help you!
Ask for a no-obligation quote now or find your nearest local agent or broker. They are available to provide friendly and expert advice, in your language, regarding the best covers and options to suit your specific needs whilst in Spain
Frequently asked questions about health insurance in Spain
The cost of GENERALI health insurance for expats varies depending on the insured person’s age and the number of people covered under the same policy.
With Generali, there is no maximum renewal age for Expat policies. The maximum age applies at the time of taking out the policy, which must occur before the annual period in which the insured person turns 74.
Yes. GENERALI expat policies offer several payment options: annual, half-yearly, quarterly and monthly.
Health insurance is not required to live in Spain, but it is recommended. However, Spain requires health insurance when applying for residency. While Expat health products may not be designed specifically for this purpose, GENERALI offers other health insurance products suitable for residency applications.
No. Expat health insurance is designed for residents in Spain. You must have a NIE to activate the policy, and payments must be made through a Spanish bank account.
The health policy comes into force on the same day it is formalized, subject to the applicable waiting periods.
Yes. Policies can be taken out for individuals or families, depending on your household structure.
Yes. You may take out the policy once you obtain Spanish tax residency. If you need insurance to apply for residency, GENERALI offers alternative health products adapted for that purpose.