Compare our health insurance policies

Compare our health insurance policies

You still don't know which of our health insurance policies best suits your needs?

To help you choose we present a table comparing the cover provided by our health policies with the main features of each one. Once you have chosen your policy, please feel free to ask us for more information.

Centres affiliated to CASS

PIAM: 100% of the real cost¹​

Crèditsalut: 100% of the CASS rate²

Crèdit Hospitalització: 100% of CASS expenditure²

______________

Centres not affiliated to CASS

PIAM: 100% of the real cost¹​

Crèditsalut: 58% de la tarifa CASS²

Crèdit Hospitalització: 58% of CASS expenditure²

______________

Homeopath

PIAM: 100% of the real cost

Crèditsalut: 100% of the CASS rate

Crèdit Hospitalització: Not included

______________

Acupuncture

PIAM: 100% of CASS expenditure

Crèditsalut: Not included

Crèdit Hospitalització: Not included

Centres affiliated to CASS

PIAM: 100% of the real cost¹​

Crèditsalut: 100% of the CASS rate²

Crèdit Hospitalització: 100% of CASS expenditure²

______________

Centres not affiliated to CASS

PIAM: 100% of the real cost¹​

Crèditsalut: 58% of the CASS rate²

Crèdit Hospitalització: 58% of CASS expenditure²

Extractions, fillings, dental hygiene, cleansing and dressing

PIAM: 100% of the real cost¹​

Crèditsalut: 100% of the CASS rate²

Crèdit Hospitalització: Not included

In the event of death

PIAM: 10.000 €

Crèditsalut: Starting at €6,000

Crèdit Hospitalització: Starting at €3,000

______________

If a serious illness is diagnosed

PIAM: 10.000 €

Crèditsalut: Not included

Crèdit Hospitalització: Not included

Discount on the premium for the first 6 months if your salary is paid directly into the bank.

PIAM: 10 %

Crèditsalut: 10 %

Crèdit Hospitalització: 10%

______________

For couples

PIAM: Not included

Crèditsalut: 30% for your lifetime

Crèdit Hospitalització: Not included

PIAM

Whether through Via Preferent (preferred channel) or not

Crèditsalut Plus

Whether through Via Preferent (preferred channel) or not

Crèditsalut

Through Via Preferent

General medicine (visits, pharmacy, analysis, diagnosis, etc.)

Centres partnered with CASS
  • 100% of the actual expenses¹
  • 100% of the CASS expenses
  • 100% of the CASS rate²
Centres not partnered with CASS
  • 100% of the actual expenses¹
  • 100% of the CASS expenses
  • 45% of the CASS rate²
Homeopathy
  • 100% of the actual expenses
  • 100% of the CASS expenses
  • 100% of the CASS rate
Acupuncture
  • 100% of the actual expenses
  • Not included
  • Not included
Non-dental/orthopaedic prosthesis
  • Up to 400% of the CASS rate
  • 100% of the CASS Rate (Max. 2 prostheses/year)
  • 100% of the CASS Rate (Max. 2 prostheses/year)
Osteopathy and Chiropractic
  • Fixed sum of €200 per year per insured person
  • Not included
  • Not included
Vaccinations
  • 100% of the actual expenses
  • 100% of the CASS expenses
  • 100% of the CASS rate
Speech therapy and orthopaedics
  • 100% of the actual expenses
  • 100% of the CASS expenses
  • 100% of the CASS rate

Hospitalisation

Centres partnered with CASS
  • 100% of the actual expenses¹
  • 100% of the CASS expenses²
  • 100% of the CASS rate²
Centres not partnered with CASS
  • 90% of the actual expenses
  • 100% of the CASS rate
  • 30% of the CASS rate
Companion’s bed and accommodation expenses

Dental expenses

Treatment, extractions, fillings, hygiene
  • 100% of the actual expenses¹
  • 100% of the CASS rate
  • 100% of the CASS rate²
Dentures
  • Up to 400% of the CASS rate and a maximum of €1,200 per insured person per year
  • 100% CASS rates up to a maximum of 2 prostheses per year
  • 1 prosthesis per year with the entire amount covered by CASS
Orthodontics
  • Up to 400% of the CASS rate and a maximum of €1,200 per insured person per year
  • 100% of the CASS rate
  • 100% of the CASS rate

Optics expenses

Frames / contact lenses
  • Up to 100% of the actual expenses with a maximum of €200
  • 100% of the CASS rate
  • 100% of the CASS rate
Glasses 
  • Up to 400% of the CASS rate
  • 100% of the CASS rate
  • 100% of the CASS rate
Fixed sum for those under 16
  • €120 per year
  • Not included
  • Not included

Compensation

In case of death
  • 10.000 €
  • From €6,000
  • From €6,000
In case of diagnosis of serious illness
  • 10.000 €
  • Not included
  • Not included

Second medical opinion

Contrast with a diagnosis with a doctor worldwide
  • Included
  • Not included
  • Not included

Referring doctor

  • Mandatory
  • Mandatory
  • Mandatory
¹ The total amount of the invoice.
² The rate set by the CASS that affiliated centres undertake to charge.