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
Creand Piam
Whether through Via Preferent (preferred channel) or not
Creand Health Plus
Whether through Via Preferent (preferred channel) or not
Creand Health
Through Via Preferent
General medicine (visits, pharmacy, analysis, diagnosis, etc.)
Centres partnered with CASS
- 100% of the actual expenses¹
- 100% of the CASS rate²
- 100% of the CASS rate²
Centres not partnered with CASS
- 100% of the actual expenses¹
- 100% of the CASS rate²
- 45% of the CASS rate²
Homeopathy
- 100% of the actual expenses¹
- 100% of the CASS rate²
- 100% of the CASS rate²
Acupuncture
- 100% of the actual expenses¹
- Not included
- Not included
Non-dental/orthopaedic prosthesis
- Up to 400% of the CASS rate²
- 100% of the CASS Rate² (Max. 2 prostheses/year)
- 100% of the CASS Rate² (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 expenses¹
- 100% of the CASS rate²
- 100% of the CASS rate²
Speech therapy and orthopaedics
- 100% of the actual expenses¹
- 100% of the CASS rate²
- 100% of the CASS rate²
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 expenses¹
- 100% of the CASS rate²
- 30% of the CASS rate²
Companion’s bed and accommodation expenses
Dental expenses
Treatment, extractions, fillings, hygiene
- 100% of the actual expenses¹
- 100% of the CASS rate²
- 100% of the CASS rate²
Dentures
- Up to 400% of the CASS rate² and a maximum of €1,200 per insured person per year
- 100% CASS rates² 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 rate² and a maximum of €1,200 per insured person per year
- 100% of the CASS rate²
- 100% of the CASS rate²
Optics expenses
Frames / contact lenses
- Up to 100% of the actual expenses¹ with a maximum of €200
- 100% of the CASS rate²
- 100% of the CASS rate²
Glasses
- Up to 400% of the CASS rate²
- 100% of the CASS rate²
- 100% of the CASS rate²
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