Creand Assistance Plus

Insurance exclusively for foreigners with passive residency in Andorra to cover up to 100% of the real expenses in Andorra.

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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:

Coverage limits:

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Exclusion periods

  • In the event of an accident or life-threatening illness covered by the policy, there is no waiting period.

  • For surgical operations and/or hospitalisation, there is a 3-month waiting period.

  • For pre-natal and childbirth care, as well as newborn care, there is a 10-month waiting period.

  • For special treatments and diagnostic tests: 6 months.
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    Exclusion periods

    3 months for hospitalisation or surgery.


    6 months for special diagnostic tests and treatment.


    10 months for attention to pregnancy, childbirth and the care of new-born babies.


    There is no exclusion period in the event of accidents or life-threatening emergencies covered by the policy.

    00 informacion


    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.