HEALTH INSURANCE

Creand Piam

The most complete health insurance that protects you 100%.

One month free every year on our health and temporary disability insurance. See promotion terms and conditions.

100% coverage, 100% peace of mind

Because we know how important it is to feel protected against any unforeseen events, with our PIAM insurance you enjoy all these benefits.

Total coverage

You will be covered for up to 100% of the real expenses.

Personalisation

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.

Best Doctors

You can benefit from this second medical opinion service.

No restrictions

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

Lifetime policy

Our health insurance policies are valid for life.

Enjoy extra attention and services

More convenient and easier day-to-day handling of your health insurance.

Manage your bills quickly and easily.

Send your documents to us with ease.

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

One-click processes

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.”