health insurance
Creand Health Plus insurance
Health Plus Insurance covers the medical expenses not reimbursed by the CASS, either with or without the Via Preferent, up to a maximum of 100% of the CASS rate.
One month free every year on our health and temporary disability insurance. See promotion terms and conditions.
Features of the Health Plus Insurance
Creand’s Health Plus Insurance is designed for people who are affiliated or voluntarily insured with the CASS.
Choose between individual or family insurance cover.
Hospitalisation expenses not covered by the CASS that are incurred at the Hospital Nostra Senyora de Meritxell are managed directly between Creand’s insurer and the hospital.
We will notify you by email or SMS each time a reimbursement is made on your insurance policy.
We have an extensive network of branches, so you can deposit your medical invoices pending reimbursement, and you can also do so by email: prestacions@creandvida.ad.
Enjoy a 10% discount on the premium for the first 6 months if you have your salary paid directly into the bank.
Get an exclusive discount on umbilical cord stem cell preservation with Cellab.
If your family members are your beneficiaries, they may also be covered by this insurance.
Health Plus Insurance Benefits
Health Plus Insurance offers reimbursement coverage for medical, pharmacy and hospital expenses up to 100% of the CASS rates for medical assistance with or without the Via Preferent.
Supplementary coverage is included for homoeopathy (diagnostics and treatment), speech therapy, orthoptics (vision rehabilitation), psychiatry, orthopaedics, internal dental and non-dental prostheses per calendar year, and much more.
Up to 100% of the CASS rate at private centres.
In the event of the death of the insured person (aged between 18 and 70), Health Plus pays the beneficiaries compensation of up to €6,000.
Health Insurance Waiting Periods
No waiting periods if you take out Health Plus when you switch company and these periods have already passed with an equivalent product from the previous company.
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.
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 prestacions@creandvida.ad 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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Creand Health insurance
Covers the portion of the medical expenses not reimbursed by the CASS through the Via Preferent, up to a maximum of 100% of the CASS rate.
