PIAM

The Comprehensive Medical Assistance Plan (Pla Integral d’Assistència Mèdica or PIAM) is a life and health insurance policy that covers the portion of expenditure arising from medical treatments and operations which is not reimbursed by the Andorran social security system (CASS). 

Professionals who are affiliated or registered as voluntary insured persons with CASS can take out a PIAM insurance policy. The professional’s relatives, if they are beneficiaries, can also be covered by this insurance.

Crèdit Andorrà’s insurance products are underwritten by Crèdit Assegurances, SAU.

  • You are free to choose any physician or specialist, with no geographical limits or restrictions in terms of medical specialisation.
  • 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: prestacions@creditassegurances.ad 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.
  • The PIAM offers complementary medical cover which covers up to 100% of the actual expenses not reimbursed by CASS (thereby covering total expenses incurred above and beyond the reimbursement rates defined by CASS), whilst most medical insurance policies repay no more than 100% of the reimbursement rates defined by CASS.
  • This policy also includes complementary cover for homeopathic, speech therapist, orthoptist (eye re-education), acupuncture, psychiatric and osteopathic treatments, amongst numerous other services.
  • For maternity treatments, the insurance offers cover of up to 1,000 euros per delivery and per baby, and up to 5,000 euros for neonatal and natal care, in addition to paying a lump sum per birth (for each child) of 150.25 euros.
  • For diseases, injuries and congenital defects or malformations, the insurance pays a lump sum of up to 6,000 euros per insured person throughout the term of the policy.
  • In case of serious illness, the insurance pays a lump sum of 10,000 euros and allows the insured person to double-check the initial diagnosis with a second medical opinion. You can also use the online service www.pregunteabestdoctors.com if you have any medical queries.
  • The maximum benefits and/or compensation payments per claim are 1,000,000 euros.
  • What’s more, in the event of the death of insured persons between the age of 18 and 65, the PIAM pays a lump sum of at least 10,000 euros to the beneficiaries. In the event of death caused by accident, this lump sum is 20,000 euros, and in the event of death caused by a road traffic accident, it is 30,000 euros.
  • 3 months for hospitalisation, surgery or serious illness.
  • 9 months for maternity treatments.
  • 12 months for 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.