Creand Temporary Disability
Creand Temporary Disability is a life insurance policy with a sick-leave supplement that guarantees the payment of compensation determined by the number of days that the insured cannot work as the result of illness or an accident.
Characteristics
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 those who are in paid employment and registered with the CASS as insured employees.
Creand Temporary Disability és ideal per a persones que exerceixin una activitat laboral remunerada i que estiguin donades d’alta a la CASS com a assegurats assalariats.
Advantages
- Fast, convenient payment of all benefits.
- The maximum duration of the benefit is 12 months' salary.
- No exemptions for sick leave brought about by work-related injury or occupational disease.
- Exception period of 2, 7, 15 or 30 days (to be chosen when the policy is contracted) for sick leave caused by common illness or non-work-related injury.
- Certificates for the start and end of sick leave can be presented at an extensive network of offices or, if you prefer, you can use the email address prestacions@creditestalvi.ad to send scanned documents directly to Crèdit Assegurances.
- Enjoy a 10% discount on the premium for the first 6 months if your salary is paid directly into an account with Creand.
Benefits
- Supplementary cover for reimbursement of up to 90% of net salary (85% of the gross salary declared to the CASS).
- In the event of the death of the insured (between the ages of 18 and 65), the policy pays compensation, according to the insured capital, from 6,000 euros up to 60,000 euros.
- Sick leave resulting from lumbalgia, dorsalgia or sciatica will be paid for up to 15 days per calendar year (from January 1 to December 31).
In the event of a claim
When sick leave is taken, a certificate issued by a registered doctor in Andorra must be submitted to Crèdit Assegurances within 30 days, declaring that the insured is totally and temporarily unfit for work. It must also:
- L’accident, la malaltia i les seves causes, i si el tractament li impedeix de fer la feina.Specify the accident or illness and its causes, and say whether its treatment prevents the patient from working.
- Describe the treatment.
- Specify the date on which the patient became unable to work.
- Give an estimate of the duration of sick leave.
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 products, take a look at the answers to frequently asked questions in this section.