The collective Comprehensive Medical Assistance Plan (Pla Integral d’Assistència Mèdica or PIAM) 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 PIAM Col·lectiu is intended for company employees who are registered with the social security system as salaried employees or voluntary insured persons. The employees’ 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.
  • 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, Crèdit Assegurances, 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: prestacions@creditassegurances.ad to send us your scanned bills at your convenience and without having to leave your home.
  • The PIAM Col·lectiu 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.
  • In the event of death of insured persons between the age of 18 and 65, the PIAM Col•lectiu 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.
  • The collective PIAM is excluded from waiting periods.