PIAM Col·lectiu

The Pla Integral d’Assistència Mèdica (PIAM) Col·lectiu is a life insurance policy with complementary health cover for the part of the cost of medical treatment not reimbursed by the Caixa Andorrana de Seguretet Social (CASS).

With complementary cover for: 

  • Life and accident
  • Serious illness
  • Second medical opinion


Sign up now and get


PIAM, health insurance designed for your peace of mind

Crèdit Assegurances Vida  offers its customers 3 months free cover* when they contract PIAM health insurance. 


  • 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@creditvida.ad.
  • Quick management of reimbursements and notificationof payments.
  • A team of professionals are working constantly to respond to customers' needs.

PIAM, the smart option.

*This promotion is valid until 31 December 2019. Check the conditions of the promotion here


  • PIAM Col·lectiu is designed for the employees of companies who have been registered with Social Security as employees or on a voluntary basis. Family members may also be covered by this policy if they are the beneficiaries.


  • Complete freedom to choose your doctor.
  • You can choose individual or family cover.
  • 10% discount on the individual rate.
  • In general terms, there are no restrictions on the number of visits.
  • Policies contracted with Crèdit Assegurances Vida are valid for a lifetime, with modifications to the guarantees after the age of 65.
  • The costs of hospitalisation (the part not covered by the CASS) at the Hospital de Nostra Senyora de Meritxell are processed directly by Crèdit Assegurances Vida and the Hospital.
  • Large branch network to present medical bills pending reimbursement.
  • Using the e-mail address prestacions@www.creditvida.ad, you can send scanned bills directly to Crèdit Assegurances Vida.


  • The PIAM Col·lectiu offers complementary healthcare cover of up to 100% of the real cost that the CASS does not cover, while most complementary medical policies refund a maximum of 100% of the rates payable as defined by the CASS
  • The policy includes complementary cover for homeopathy, speech therapy, orthoptics (visual re-education), acupuncture, psychiatry, osteopathy and chiropractic.
  • For maternity the policy provides for 100% of the actual expense accredited in the case of normal births (maximum 1,000 euros per baby).
  • In the case of Caesarean births, the policy provides for 100% cover of the actual expense accredited (maximum 3,000 euros per baby) and up to 5,000 euros for newborn care per baby, plus the payment of a fixed benefit per birth (each child) of 150 euros.
  • In the case of illness, injuries, congenital defects or malformations, the policy pays compensation of up to 6,000 euros per insured person during the period for which the policy is in force. Other cover of interest: optics, dental prostheses and accommodation costs for the patient's companion.
  • In the case of the serious illnesses included in the policy and up to the age of 65, compensation of up to 10,000 euros is payable.
  • Best Doctors, a second medical opinion: this service enables the patient to compare a first diagnosis with the opinion of another doctor anywhere in the world.
  • The maximum benefit or compensation per claim is 1,000,000 euros.
  • In the event of the death of the insured (between 18 and 65 years old), the PIAM Col·lectiu pays the beneficiaries compensation of at least 10,000 euros; in the event of death by accident, 20,000 euros; and in the event of death due to a traffic accident, 30,000 euros.

Exclusion periods

There are no exception periods  for the PIAM Col·lectiu.

Exclusion periods

There are no exception periods  for the PIAM Col·lectiu.


If you have questions about our policies, take a look at the answers to frequently asked questions in this section.

Compare our health insurance policies

You still don’t know which of our health insurance policies best suits your needs? To help you to choose here are the main features of each of them.