Worldwide Medical Assistance
This is an insurance policy for foreigners who wish to obtain passive residency in Andorra and thereby prove that they have cover for illness and disability, in accordance with the requirement set down in Article 3 of the implementing regulations of the Passive Residency Act (BOPA no. 32/1997), or Andorran residents registered with the Andorran Social Security System (CASS) who do not wish to be dependent on the CASS.
Features
- The purpose of this insurance policy for the reimbursement of medical expenses in the Principality of Andorra, worldwide reimbursement coverage, access to a large medical directory in Spain and worldwide travel assistance.
Advantages
To take out this insurance policy, it is not necessary to be insured by the CASS.
Extensive cover for:
- Medical expenses:
- Reimbursement in Andorra up to 100% of the bill
- Reimbursement worldwide:
- - In Spain: up to 80% of the bill
- - Other countries: up to 90% of the bill
- Pharmacy expenses:
- In Andorra: up to 75% of the bill
- Outside Andorra: up to 50% of the bill up to €150 per year
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.
Travel assistance
- For temporary travel abroad, the policy includes worldwide travel assistance cover up to a maximum of €15,000 per insured person per year.
- The time spent outside Andorra must not exceed 90 days per trip.
- To benefit from any of the travel assistance compensation, you must always call +34 91 055 16 46.
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.
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.
 
Waiting period
Reimbursement cover:
- 6 months for surgical interventions or hospitalization, medical fees in hospitalization, prostheses and surgical implants.
- 10 months for hospitalization and hospitalization for the assistance in parts/cesarean section.
- 12 months for hospitalization and medical fees for transplantation.
- There is no coverage, if in case of accident or vital emergency illness it is covered by the policy.
Medical Directory Cover:
- 6 months for surgery or hospitalization, family planning, oncological, cardiovascular, lithotripsy and dialysis treatments.
- 10 months for hospitalization and hospitalization for parts/cesarean section care.
- 24 months for assisted reproduction.