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HEALTH INSURANCE

Worldwide Medical Assistance

Worldwide Medical Assistance for Passive Residents provides coverage for illness and disability without having to rely on the CASS. 

Producte contractat amb CA Vida Assegurances, SA

Features of the Worldwide Medical Assistance for Passive Residents 

The purpose of this insurance is the reimbursement of medical expenses in the Principality of Andorra, reimbursement coverage worldwide, access to a large medical directory in Spain and worldwide travel assistance. It is not necessary to be insured by the CASS in order to take it out. 

Contract

Broad coverage 

For medical expenses, with reimbursement in Andorra of up to 100% of the bill, and reimbursement worldwide of up to 80% in Spain. Up to 90% of the bill in other countries. 

And for pharmacy expenses, with reimbursement of up to 75% of the bill in Andorra and up to 50% of the bill, with a limit of €150 per year, outside Andorra. 

Stock Market

Travel assistance 

For temporary trips abroad, the insurance offers worldwide travel assistance coverage, with a maximum of €15,000 per insured person per year. The time spent outside Andorra must not exceed 90 days per trip. 

To benefit from the travel assistance compensation, you should always call +34 91 595 50 49 

Time

Notifications service 

We will notify you by SMS or email each time a reimbursement is made on your insurance policy.

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. 

Grace periods of the Worldwide Medical Assistance for Passive Residents 

● 6 months for surgical interventions or hospitalisation, medical fees for hospitalisation, prostheses and surgical implants 
● 10 months for hospitalisation and admission for assistance in childbirth or caesarean section.
● 12 months for hospitalisation and medical fees for transplants.
● There is no grace period in the event of a life-threatening accident or illness covered by the policy.

● 6 months for surgical interventions or hospitalisation, family planning, oncology, cardiovascular, lithotripsy and dialysis treatments.
● 10 months for hospitalisation and admission for assistance in childbirth or caesarean section.
● 24 months for assisted reproduction.

Considerations to bear in mind 

Manager

The maximum age for taking out the policy is 65. 

Euro

€240,000 annual reimbursement limit per insured person. 

Contract

In the event of the death of the insured person (aged between 18 and 65), the beneficiaries will receive compensation of between €6,000 and €30,000. 

Possibility of taking out disability coverage in the same policy with the same guaranteed capital.

Frequently-asked questions 

You can consult your debts through online banking, in the “correspondence” section, or you can go to your branch or manager.

If you need to modify the account of an account, please contact your usual account manager or call our customer service (+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 need answers to any questions or want more information, get in touch and we will help you.