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Creand Assistance Plus  

Insurance exclusively for foreigners with passive residence in Andorra, for up to 100% coverage for actual expenses in Andorra. 

Product taken out with CA Vida Assegurances, SA. 

Features of the Medical Assistance Plus for Passive Residents 

The purpose of this insurance is to reimburse medical expenses, limited to the Principality of Andorra, according to the CASS rates and with the limits specified in the conditions. 



It is not compulsory to be insured by the CASS in order to take out this insurance. 


Extensive cover for medical expenses 

Up to 100% cover for actual expenses in Andorra. 


Notifications service 

This free service comes with the insurance to inform customers by email or SMS every time a reimbursement is made on their insurance. 

Medical directory 

Coverage throughout Spain 

The insurance offers access to a medical directory with coverage throughout Spain, with over 45,000 professionals and 13,000 medical centres, including Teknon, Quirón and Dexeus, among others. 

Health Card – Medical directory: 

  • You will have a personal and non-transferable card with which you will be able to access a wide range of professionals and affiliated medical centres. 
  • You won’t have to pay anything upfront with this card. 
  • For treatments, diagnostic tests, operations and hospitalisation, you must request prior authorisation by calling: +34 91 590 96 44.

Other considerations 

  • Total reimbursement limit: €90,000 per year per insured person. 
  • Hospital stay (room and board): €410 per day. 
  • ICU: €1,350 per day. 
  • Ambulance: €600 per year per insured person. 
  • Dentistry: €600 per year per insured person. 
  • Congenital disorders in infants (1st year only): €6,000. 
  • Internal prostheses: €3,500 per year per insured person. 
  • Acute dialysis: 15 sessions. 

  • There is no waiting period for accidents or life-threatening illnesses covered by the policy. 
  • For surgical interventions and/or hospitalisation, there is a waiting period of 3 months. 
  • For pregnancy and childbirth care, as well as baby care, the waiting period is 10 months. 
  • For special treatments and diagnostic tests: 6 months. 

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Any questions?

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