Protect what matters most 

If you wish to cancel an insurance policy, you must do so within the withdrawal period of 30 days from the start of the policy or up to the end of the month. 

You can view your invoices through online banking, in the “correspondence” section, or you can speak to your branch or account manager. 

If you need to modify the account of an insurance invoice, you must contact your usual manager or call customer service on (+376) 889119. 

To process the payment of your medical bills, you can do so by scanning the receipts and sending them by email to: prestacions@creandvida.ad or through the “one-click processes” section on Creandvida.ad

When a health insurance policy includes waiting periods, it means that you will have to wait for a certain period of time after you start enjoying the benefits of the policy to be able to access certain guarantees. Companies establish this period to protect themselves from those customers who only want to register in order to resolve a medical complaint or need and, once it is resolved, they cancel their subscription.

However, each company sets the conditions for defining what the waiting period is, as they may vary according to their guarantee. Similarly, another reason why insurers include waiting periods in their health insurance is to avoid clients wanting to be treated for an illness that already exists at the time they take out the policy.