Creand Health Collective
Creand Health Collective is a life insurance policy with a healthcare supplement that covers the part of the cost of medical treatment not reimbursed by the Caixa Andorrana de Seguretat Social (CASS).
One month free for each year of your health and accident insurance policy. Find all the terms and conditions of the promotion here.
Characteristics
- Creand Health Collective is designed for companies that wish to insure staff who have been registered with Social Security as employees or on a voluntary basis (and their relatives who are beneficiaries).
Advantages
- You can choose individual or family cover.
- 10% discount on the individual rate.
- 30% discount on the premium for spouses and de facto partners.
- In general terms, there are no restrictions on the number of visits.
- The costs of hospitalisation (the part not covered by the CASS) at the Hospital de Nostra Senyora de Meritxell are processed directly by Creand Assegurances and the Hospital.
- Large branch network to present medical bills pending reimbursement.
- Using the e-mail address prestacions@creandvida.ad, you can send scanned bills directly to Creand Assegurances.
Medical directory
The policy includes access to a medical directory with coverage throughout Spain and over 45,000 professionals and 13,000 medical centres, including centres such as Teknon, Quiron, Dexeus and others.
Health Card – Medical Directory:
- The insured person will have a personal and non-transferable card with which they will be able to access a wide range of medical professionals and centres in the medical directory.
- This card offers the insured person the convenience of not having to pay anything upfront.
- For treatments, diagnostic tests, operations and hospitalisations, it is necessary to request authorisation by telephone in advance: +34 91 590 96 44.
Benefits
- Cover for the reimbursement of medical, pharmaceutical and hospital expenses up to 100% of the amounts payable for healthcare according to CASS regulations within Via Preferent (healthcare itinerary).
- In the event of the death of the insured (between the ages of 18 and 70), the policy pays compensation, according to the capital insured, from 6,000 euros up to 60,000 euros.
- Homeopathy (diagnoses and treatment): up to 100% of the real cost covered by the CASS.
- Notifications service: the policy includes this free service that informs the client, via SMS or email, each time a reimbursement is made on their insurance policy.
- Speech therapy: up to a maximum of 20 visits every calendar year.
- Orthopsy (visual re-education): up to a maximum of 10 visits per calendar year.
- Psychiatry: up to a maximum of 10 visits per calendar year.
- Internal dental and non-dental prostheses: the amount paid by the CASS and one per calendar year.
Exclusion periods
Exclusion periods
FAQ
If you have questions about our policies, take a look at the answers to frequently asked questions in this section.
Compare our health insurance policies
You still don’t know which of our health insurance policies best suits your needs? To help you to choose here are the main features of each of them.