HEALTH INSURANCE
Creand Piam
Comprehensive health insurance with premium coverage, designed to protect you wherever and whenever you need it, with complete peace of mind and security.
Three months free of the Creand Assegurances Vida health and accident insurance policies. Check the terms and conditions of the promotion.
Creand Piam Features
Because we know how important it is to feel protected against any unforeseen events, with our Creand Piam insurance you enjoy all these benefits.
Total coverage
Extensive cover for all-round protection, with additional services for you and your family.
Personalitsation
You decide if you want individual cover or cover for the whole family.
Freedom to choose
Complete freedom to choose doctors, with no restrictions on location or specialty.
Find the best specialist
With Best Doctors you can request a second medical opinion and, with Find Best Doctor, search for the best doctor to treat any condition you need.
Telemedicine
access to virtual medicine services available through the Creand Vida App.
Lifetime policy
Our health insurance policies are valid for life.
Product taken out with CA Vida Assegurances, SA.
Medical directory
Coverage throughout Spain
The insurance includes access to the 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.
Creand Piam benefits
Creand Piam offers reimbursement cover for medical, pharmaceutical and hospital expenses of up to 100% of the expenses arising from procedures carried out at centres that have agreements in place with Social Security, both within and outside the Preferential Network.
The insurance includes a wide range of services such as free access to a medical network across Spain, telemedicine, Best Doctors, FindBestDoctor, direct payment at foreign hospitals that have an agreement in place with Social Security, as well as additional cover for speech therapy, orthotics, psychiatry, osteopathy and chiropractic treatment.
For medical procedures at private centres, Creand Piam offers a reimbursement cover of 70% up to a maximum of 90% of the cost, depending on the procedure.
In the event of a serious illness, Creand Piam offers healthcare cover of up to 100% of the expenses not covered by Social Security.
In the event of the insured person’s death (if aged between 18 and 65), their beneficiaries will receive compensation of at least €10,000, rising to €20,000 if the death is due to an accident, and €30,000 if it is due to a traffic accident.
Creand Piam waiting periods
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.
Enjoy extra attention and services
With the Creand Vida app, you can easily manage your health and temporary disability insurance whenever and wherever you want.
Frequently-asked questions
You can view your invoices through online banking, in the “correspondence” section, or by speaking to your branch or account manager.
If you need to modify the account of an insurance invoice, you must contact your usual manager or call customer service on (+376) 889119.
To process the payment of your medical bills, you can do so by scanning the receipts and sending them by email to [email protected] or through the “one-click processes” section on creandvida.ad
When a health insurance policy includes waiting periods, it means that you will have to wait for a certain period of time after you start enjoying the benefits of the policy to be able to access certain guarantees.
Companies establish this period to protect themselves from those customers who only want to register in order to resolve a medical complaint or need and, once it is resolved, they cancel their subscription. However, each company sets the conditions for defining what the waiting period is, as they may vary according to their guarantee.
Similarly, another reason why insurers include waiting periods in their health insurance is to avoid clients wanting to be treated for an illness that already exists at the time they take out the policy.
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