PIAM
The PIAM is a life insurance policy with complementary health cover for the part of the cost of medical treatment not reimbursed by the Caixa Andorrana de Seguretet Social (CASS).
With complementary cover for:
- Life and accident
- Severe illness
- Second medical opinion services
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PIAM, health insurance designed for your peace of mind
Crèdit Andorrà offers its customers 3 months free cover* when they contract PIAM health insurance.
Features:
- Cover for up to 100% of real expenses.
- Complete freedom to choose doctors , with no restrictions on location or speciality.
- You can choose between individual or family cover.
- Lifetime insurance.
- Generally there are no restrictions on the number of visits or treatment sessions.
- Second medical opinion with Best Doctors.
- Quick, convenient management of invoices by e-mail at prestacions@creditestalvi.ad.
- Quick management of reimbursements and notification of payments.
- A team of professionals are working constantly to respond to customers' needs.
PIAM, the smart choice.
Characteristics
- The PIAM is aimed at people between the ages of 18 and 55 who are registered as employed or voluntarily insured with the CASS, as well as family members who may be considered their beneficiaries.
Advantages
- Complete freedom to choose your doctor.
- In general terms, there are no restrictions on the number of visits.
- Policies contracted with Crèdit Assegurances are valid for a lifetime, with modifications to the guarantees after the age of 65.
- The costs of hospitalisation (the part not covered by the CASS) at the Hospital de Nostra Senyora de Meritxell are processed directly by Crèdit Assegurances and the Hospital.
- Complete freedom to choose your doctor.
- Large branch network to present medical bills pending reimbursement.
- Using the e-mail address prestacions@creditestalvi.ad, you can send scanned bills directly to Crèdit Assegurances.
- If your salary is paid directly into an account at Crèdit Andorrà, you are entitled to a 10% discount on the premium for the first 6 months.
Benefits
- The PIAM offers complementary healthcare cover of up to 100% of the real cost that the CASS does not cover, while most complementary medical policies refund a maximum of 100% of the rates payable as defined by the CASS.
- The policy includes complementary cover for homeopathy, speech therapy, orthoptics (visual re-education), acupuncture, psychiatry (limited benefit), osteopathy, chiropractic (up to 200 euros per year and insured person) and many other services.
- For maternity the policy provides for 100% of the actual expense accredited in the case of normal births (maximum 1,000 euros per baby).
- In Caesarean births, the policy provides for 100% cover of the actual expense accredited (maximum 3,000 euros per baby) and up to 5,000 euros for newborn care per baby, in addition to the payment of a fixed benefit per birth (each child) of 150 euros.
- Other cover of interest: optics, dental prostheses and accommodation costs for the patient's companion.
- In the case of illness, injuries, congenital defects or malformations, the policy pays compensation of up to 6,000 euros per insured person during the period for which the policy is in force
- In the case of the serious illnesses included in the policy and up to the age of 65, compensation of up to 10,000 euros is payable.
- Best Doctors, a second medical opinion: this service enables the patient to compare a first diagnosis with the opinion of another doctor anywhere in the world.
- The maximum benefit or compensation per claim is d’1.000.000 euros.
- In the event of the death of the insured (between 18 and 65 years old), the PIAM pays the beneficiaries compensation of at least 10,000 euros; in the event of death by accident, 20,000 euros; and in the event of death due to a traffic accident, 30,000 euros.
Exclusion periods
3 months for hospitalisation, surgery and serious illness.
9 months for maternity.
12 months for dental prostheses.
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
3 months for hospitalisation, surgery and serious illness.
9 months for maternity.
12 months for dental prostheses.
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.