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Creand Piam Collective 

The Collective Comprehensive Medical Assistance Plan (PIAM) is a health insurance policy that covers the portion of the costs generated by medical acts and operations not reimbursed by the Andorran Social Security Fund (CASS). 

Creand’s insurance policies are products taken out with CA Vida Assegurances, SA. 

100% coverage for your total peace of mind 

We know how important it is to protect your employees against any unforeseen events, and out Creand Piam Collective insurance offers all these benefits. 

Number One

Total coverage

Cover for up to 100% of the real expenses. 

Number Two


Employees decide if they want individual cover or cover for the whole family.  

Number Three

Freedom to choose

They will have complete freedom to choose doctors, with no restrictions on location or specialty. 

Number Four

Best Doctors 

Best Doctors 

They can request a second medical opinion service. 

Number Five

No restrictions

Generally no restrictions on the number of visits or treatment sessions.  

Number Six

Lifetime policy

Our health insurance policies are valid for life

Enjoy the best care and excellent services 

Greater convenience and ease for your employees. 


Manage bills quickly and easily. 


Send documents to us with ease. 


We handle your reimbursements quickly and notify you about them free of charge. 

Medical directory 

Coverage throughout Spain 

The insurance offers the possibility of additionally contracting a Medical Directory with coverage throughout Spain with over 45,000 professionals and 13,000 medical centres. This includes centres such as Teknon, Quirón and Dexeus. 

Having access to this medical directory gives the insured person the convenience of not having to make any payments in advance. 


Any questions?

If you want to ask us any questions or you need more information, get in touch and we will help you.