è It is a contract that guarantees that you have capital to cover unexpected situations in the event of death or disability (if this guarantee has been contracted).
è Life insurance is an immediate, easy and affordable way to ensure financial security in the future for those close to you who are dependent on your income.
è Depending on your age and the capital you want to insure, you will be asked to pass a medical test. These range from a small health questionnaire to a full medical check-up.
è Among other factors, life insurance premiums are calculated according to the age of the insured. The older the insured person is, the higher the premium.
è The Pla Integral d’Assistència Mèdica (PIAM) is a life insurance policy with complementary health cover for the part of the cost of medical consultations and treatment not reimbursed by the Caixa Andorrana de Seguretet Social (CASS).
è You are free to choose any doctor, with no restrictions on location or speciality.
è Whenever you go to the doctor, you will need to pay. Under the PIAM policy patients are reimbursed: you pay the full amount of the invoice and, when the CASS has refunded the part for which it is liable, Crèdit Assegurances will pay the rest. For some types of treatment only the part not covered by the CASS has to be paid.
è In the case of doctors affiliated to the CASS it is an automatic process: the patient will use the CASS card and, in a few hours, will be reimbursed by the CASS and Crèdit Assegurances. In the case of unaffiliated centres, you need to submit a copy of the yellow sheet, with the corresponding invoice, to Crèdit Assegurances.
è Basically the cover provided. Crèditsalut offers cover for the reimbursement of medical, pharmaceutical and hospital expenses up to 100% of the charges set by the CASS for healthcare. PIAM provides complementary healthcare cover of up to 100% of the real costs not covered by the CASS.
è The policy guarantees the payment of compensation determined by the number of days that the insured cannot work as a consequence of illness or accident.
è No, it covers up to 90% of your net salary (85% of the gross salary declared to the CASS).
No, you can contract it so that it comes into effect after three, seven or fifteen days.