è It is a contract that guarantees that you have capital to cover unexpected situations in the event of death or disability (if this guarantee has been contracted).
è Life insurance is an immediate, easy and affordable way to ensure financial security in the future for those close to you who are dependent on your income.
è Depending on your age and the capital you want to insure, you will be asked to pass a medical test. These range from a small health questionnaire to a full medical check-up.
è Among other factors, life insurance premiums are calculated according to the age of the insured. The older the insured person is, the higher the premium.
The Creand Comprehensive Medical Assistance Plan (Creand Piam) is a life insurance with complementary health coverage that covers the part of the expenses generated by medical consultations and operations not reimbursed by the Andorran Social Security Fund (CASS).
There is complete freedom to choose a physician, with no geographical or specialty limits.
Every time we go to the doctor, we have to pay. Creand Piam a reimbursement insurance, i.e. the client pays the entire bill and once CASS has reimbursed its part, Creand Seguros will pay the rest. In some medical acts only the part not covered by CASS is paid.
In the case of CASS contracted doctors, the process is automatic: the client will swipe the CASS card and, within a few hours, will receive the payment from CASS and Creand Seguros. In the case of non-contracted centers, it is necessary to present a copy of the yellow sheet, with the corresponding invoice, to Creand Seguros.
Basically, coverage. Creand Health offers reimbursement coverage for medical, pharmaceutical and hospital expenses of up to 100% of the CASS health care liability rates. On the other hand, Creand Piam offers complementary health care coverage of up to 100% of the actual expenses not covered by CASS.
The insurance guarantees the payment of a determined indemnity for the days that the insured is unable to work as a consequence of an illness or accident.
No, it covers up to 90% of the net salary (85% of the gross salary declared in the CASS).
No, it can be contracted with a grace period of three, seven or fifteen days.