Crèditsalut Col·lectiu is a life insurance policy with a healthcare supplement that covers the part of the cost of medical treatment not reimbursed by the Caixa Andorrana de Seguretat Social (CASS).

This product is designed for companies that want to insure employees who are registered with the social security system as salaried employees or voluntary insured persons (as well as their beneficiary relatives).

Crèdit Andorrà’s insurance products are underwritten by CA Vida Assegurances, SA.

  • You can choose between an insurance policy with individual or family cover.
  • Enjoy a 10% discount on the individual cover fee and a 30% discount on the health premium for spouses and unmarried partners.
  • 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, CA Vida Assegurances, S.A, and the hospital.
  • We have a wide 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.
  • Notifications service: the policy includes this free service that informs the client, via SMS or email, each time a reimbursement is made on their insurance policy.

The policy offers the possibility to additionally access a Medical Directory with coverage throughout Spain and over 45,000 professionals and 13,000 medical centres, including Teknon, Quiron and Dexeus. Access to this medical directory offers the insured person the convenience of not having to pay anything upfront.

More information about the medical directory and the centres and professionals available.

  • Main cover: repayment 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.
  • The collective Crèditsalut is excluded from waiting periods.