Crèditsalut
Crèditsalut is a life insurance policy with a healthcare supplement that covers the part of the cost of medical treatment not reimbursed by the Caixa Andorrana de Seguretat Social (CASS).
3
FREE
MONTHS
Crèdit Andorrà offers its customers 3 months free cover* when they contract CreditSalut health insurance. This promotion is valid until 31 December 2019.
*Check the conditions of the promotion here
Characteristics
- Crèditsalut is aimed at people between the ages of 18 and 55 who are registered as employed or voluntarily insured with the CASS, and normally use medical services affiliated to the CASS in Andorra or abroad. Family members may also be covered by this policy if they are the beneficiaries.
Advantages
- You can choose individual or family cover.
- 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 cover provided after the age of 70.
- 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.
- 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
- Crèditsalut offers cover for the reimbursement of medical, pharmaceutical and hospital expenses up to 100% of the amounts specified by the CASS for healthcare.
- Crèditsalut also includes complementary cover for homeopathic medicine (diagnoses and treatment), treatment related to speech therapy, orthoptics (visual re-education), psychiatry, orthopaedics, internal dental and non-dental prostheses each calendar year and many other services.
- In the event of the death of the insured (between the ages of 18 and 70), Crèditsalut pays the beneficiaries compensation, according to the insured capital, from 6,000 euros up to 60,000 euros maximum.
Exclusion periods
30 days for healthcare.
6 months for orthopaedics, orthodontics and dental and non-dental prostheses.
10 months for maternity.
No excepcion 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
30 days for healthcare.
6 months for orthopaedics, orthodontics and dental and non-dental prostheses.
10 months for maternity.
No excepcion 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.