Creand Assistance Plus

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

 

One month free for each year of your health and accident insurance policy. Find all the terms and conditions of the promotion here.

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Characteristics

  • This insurance policy is intended for the reimbursement of medical expenses, restricted to the Principality of Andorra, in accordance with CASS rates and within the limits specified.

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Advantages

  • To take out this insurance policy, it is not necessary to be insured by the CASS.
  • Extensive cover for medical expenses: Cover for up to 100% of real expenses in Andorra.
  • Notifications service: The insurance policy comes with this free service that informs the customer, by email or SMS, every time a reimbursement is made on their insurance.
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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:

  • 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.

More information about the medical directory and the centres and professionals available.

Coverage limits:

  • Total reimbursement limit: 90,000 euros per year per insured person.
  • Hospital stay (room, provision): 410 euros per day.
  • ICU: 1,350 euros per day.
  • Ambulance: 600 euros per year per insured person.
  • Dental: 600 euros per year per insured person.
  • Congenital diseases in babies (1st year only): 6,000 euros.
  • Internal prostheses: 3,500 euros per year per insured person.
  • Acute dialysis: 15 sessions.

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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.

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    FAQ

    If you have questions about our policies, take a look at the answers to frequently asked questions in this section.

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    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.

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