Creand Temporary Disability
Creand Temporary Disability is a life insurance policy with a supplement that guarantees the payment of compensation according to the number of days that the insured cannot work as the result of illness or an accident.
Features
Creand Temporary Disability is a life insurance policy with a supplement that guarantees the payment of compensation according to the number of days that the insured cannot work as the result of illness or an accident.
Creand Temporary Disability is ideal for people who are gainfully employed and are registered with CASS as salaried insured persons.
Advantages
- Agility and speed in the collection of all indemnities.
- The maximum duration of the benefit is 12 months of salary supplement.
- No franchise for absences caused by occupational accident or occupational disease.
- With a franchise of 2, 7, 15 or 30 days (to be chosen at the time of hiring) for absences caused by common illness or non-occupational accident.
- You can submit medical leaves and discharges through a wide network of offices or, if you prefer, we also have the e-mail address prestacions@creandvida.ad to send them scanned directly to Creand Assegurances Vida.
- Enjoy a 10% discount on the premium for the first 6 months just for having your salary paid directly to Creand.
Benefits
- Complementary reimbursement coverage up to 90% of net salary (85% of gross salary declared to CASS).
- For the death of the insured persons of the Creand Baixa (between 18 and 65 years of age), the insurance pays an indemnity depending on the insured capital from 6,000 euros to 10,000 euros.
- Breaks caused by lumbago, back pain and lumbosciatica will be paid for a maximum of 15 days per year (considering that the calendar year runs from January 1 to December 31).
Creand Life Application
Discover the application for managing your health and sick leave products easily, wherever and whenever you want.
What you will be able to do on the app:
- View the status of your reimbursements
- Send your documentation easily
- Receive notifications to stay up to date
- Request information and keep in touch with the company
- Selfie Salut: use your phone to monitor your health via a simple face scan
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Plus, it is available for the insurance holder and their partner!
Everything you need, all on your device.
Download the app and register in two simple steps.
 
In the event of a claim
When sick leave is taken, a certificate issued by a registered doctor in Andorra must be submitted to Creand Assegurances within 30 days, declaring that the insured is totally and temporarily unfit for work. It must also:
- The accident, the illness and its causes, and if the treatment prevents him/her from doing the job.
- The description of the treatment.
- The date of the beginning of the incapacity for work.
- Prognosis of the duration of incapacity for work.
If sick leave continues for more than thirty days, the insured must send the insurer a medical certificate to this effect at intervals not exceeding thirty days.
Exclusion periods
1 month.
No exception period if the customer contracting the product is changing company and has already completed these exception periods with an equivalent product provided by the previous company.
Exclusion periods
1 month.
No exception period if the customer contracting the product is changing company and has already completed these exception periods with an equivalent product provided by the previous company.
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.