PIAM

At Crèdit Andorrà we know the importance of feeling protected against unforeseen circumstances.

For this reason, we offer you PIAM, a life insurance policy with a health supplement that covers the proportion of expenses arising from medical treatment and operations not reimbursed by the CASS.

PIAM, health insurance designed for your peace of mind

Crèdit Andorrà offers its customers 3 months free cover* when they contract PIAM health insurance. This promotion is valid until 31 December 2019.

Features:

  • Cover for up to 100% of real expenses.
  • Complete freedom to choose doctors, with no restrictions on location or speciality.
  • You can choose between individual or family cover.
  • Lifetime insurance.
  • Generally there are no restrictions on the number of visits or treatment sessions.
  • Second medical opinion with Best Doctors.
  • Quick, convenient management of invoices by e-mail at prestacions@creditassegurances.ad.
  • Quick management of reimbursements and notification of payments.
  • A team of professionals are working constantly to respond to customers' needs.
 
PIAM, the smart choice

 *Check the conditions of the promotion here

 

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

*Product taken out with 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.
  • The insurance policy includes additional cover for homeopathic, speech therapy, orthoptic (eyesight re-education), acupuncture, psychiatric, osteopathic and chiropractic treatments and much more.
  • For maternity treatments, the insurance offers cover of up to 3,000 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 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 the event of a serious illness covered by the policy and until the age of 65, the insurance will pay out 10,000 euros in compensation.
  • Best Doctors, second medical opinion: this service allows you to confirm a diagnosis with an international medical specialist.
  • 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.