Crèditsalut  is a life and health insurance policy that covers the portion of expenses arising from medical treatments and operations which is not reimbursed by the Andorran social security system (CASS). 

The Crèditsalut is intended for people who are affiliated or registered as voluntary insured persons with CASS. The policyholder’s relatives, if they are beneficiaries, can also be covered by this insurance.

*Product taken out with Crèdit Assegurances, SAU.

  • You can choose between an insurance policy with individual or family cover.
  • Hospitalisation expenses (i.e. the portion not covered by CASS) incurred at the Hospital Nostra Senyora de Meritxell are settled directly between Crèdit Andorrà’s insurance company, Crèdit Assegurances, and the hospital.
  • We have an extensive network of branches where you can submit your medical bills for reimbursement. You can also use the following email address: to send us your scanned bills at your convenience and without having to leave your home.
  • In addition, you will benefit from a 10% discount on the premium during the first 6 months of the policy simply by having your salary paid directly into your account.
  • Crèditsalut offers cover for reimbursement of medical, pharmaceutical and hospital expenses incurred up to 100% of the reimbursement rates set by CASS.
  • Crèditsalut also includes additional cover for homeopathic acts (diagnosis and treatment), speech therapy, orthoptic (eyesight re-education), psychiatric and orthopaedic treatments, internal dental and non-dental prostheses, per calendar year, and much more.
  • If the insured persons die between the age of 18 and 70, Crèditsalut will pay a lump-sum compensation of up to 60,000 euros to the beneficiaries, depending on the sum insured.
  • 30 days for medical care.
  • 10 months for maternity
  • 6 months for orthopaedics, orthodontics and dental and non-dental prostheses.
  • There is no affiliation period if the client who takes out the insurance policy has changed company and has already served these affiliation periods for an equivalent product with the previous company.