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HEALTH INSURANCE

Salut Insurance 

Insurance that 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. 

Features of the Salut Insurance 

Designed for people who are registered with the CASS, as employees or voluntarily insured, and who use the medical services that are affiliated with the CASS, both in Andorra and abroad. Get a 10% discount on the first 6 months of your insurance policy by direct debiting your salary with Creand. 

You can choose between individual or family insurance cover. 

Generally, there are no restrictions on the number of visits. 

Your family members can also be covered by this insurance if they are your beneficiaries. 

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 itself. 

Extensive network of branches for depositing outstanding medical bills. 

The e-mail address prestacions@creandvida.ad allows you to send scanned invoices directly to CA Vida Assegurances..

Enjoy an exclusive discount on umbilical cord stem cell preservation with Cellab. 

We activate an email or SMS notification service when a reimbursement is made on your insurance. 

Producte contractat amb CA Vida Assegurances, SA.

Not sure which insurance policy is best for you? 

Check our comparison table to choose the health insurance policy that best suits your needs. 

Salut Insurance Benefits 

Salut Insurance offers reimbursement coverage for medical, pharmacy and hospital expenses up to 100% of the CASS rates for medical assistance with 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. 

In the event of the death of the insured person (aged between 18 and 70), Salut Insurance pays the beneficiaries compensation of up to €6,000 depending on the guaranteed capital. 

Salut Insurance Grace Periods 

Office

30 days for medical assistance. 

Attention

10 months for maternity care. 

Document

6 months for orthoptics, orthodontics, dental and non-dental prostheses. 

No grace periods if you take out Salut Insurance when you change 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 consult your debts through online banking, in the “correspondence” section, or you can go to your branch or manager.

Si necessites modificar el compte d’un rebut has de contactar amb al teu gestor habitual o trucar al servei d’atenció al client (+376) 889119.

To process the payment of your medical bill you can do it by scanning the receipts and send them to the e-mail: prestacions@creandvida.ad or from the “one-click transactions” section of the Creandvida.ad website.

When a medical insurance policy includes waiting periods it means that you will have to wait a certain amount of time after you start enjoying the benefits of the policy in order to be able to access certain guarantees.

The companies establish this period to protect themselves from those clients who only want to sign up to solve some ailment or medical need and, once resolved, they leave. However, each company establishes the conditions for defining what the waiting period is, as they can vary according to their guarantee.

Likewise, another reason why insurance companies include waiting periods in their medical insurance policies is to prevent clients from having to be treated for an illness that already exists at the time they are discharged.

Any questions?

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