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Andorra – Health Insurance

Andorra is a small landlocked country located in the Pyrenees mountains between France and Spain. As a popular destination for expats, it is essential to understand the healthcare system in the country. One of the most critical aspects is health insurance. This article will provide information on whether health insurance is mandatory in Andorra, how the state health insurance system works, and what it covers. It will also provide a step-by-step guide on how to apply to join the state health insurance system in Andorra. Finally, it will highlight the advantages of international private medical insurance for expats living in Andorra.

Health Insurance Requirements in Andorra

Health insurance is mandatory for everyone residing in Andorra. The Andorran government requires all residents to have health insurance, either through the state health insurance system or private medical insurance. Failure to have health insurance could lead to a fine or refusal of entry into the country.

State Health Insurance System in Andorra

The state health insurance system in Andorra is called the Caixa Andorrana de Seguretat Social (CASS). It is a universal healthcare system that provides coverage to all residents of Andorra, including expats. The system is funded through contributions from employers, employees, and the government.

CASS covers a range of medical services, including primary care, specialist care, hospitalization, and emergency care. It also covers prescription medication, diagnostic tests, and medical equipment such as crutches and wheelchairs. Dental care is also covered, but there may be some out-of-pocket expenses for certain procedures.

It is important to note that CASS does not cover everything. Some services, such as cosmetic surgery and some experimental treatments, are not covered by the system. In these cases, patients would need to pay for these services out of pocket or through private medical insurance.

Applying for State Health Insurance System in Andorra

If you are a resident of Andorra, you can apply to join the CASS system. Here is a step-by-step guide on how to do it:


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  1. Obtain a residency permit: To be eligible for CASS, you must first obtain a residency permit. You can do this by applying through the Andorran immigration authorities.

  2. Register with the CASS office: Once you have your residency permit, you will need to register with the CASS office. You can do this by visiting the office in person or by filling out an online application.

  3. Provide documentation: You will need to provide documentation to prove your residency and employment status. This may include your residency permit, employment contract, and proof of payment of social security contributions.

  4. Choose a doctor: After registering with CASS, you will need to choose a primary care physician. You can choose from a list of doctors provided by the system.

  5. Receive your CASS card: Once you have completed the registration process and chosen a doctor, you will receive your CASS card. This card will be used to access healthcare services in Andorra.

Advantages of Private Medical Insurance in Andorra

While the state health insurance system in Andorra provides comprehensive coverage, some expats may prefer to have additional coverage through international private medical insurance. Here are some advantages of having private medical insurance:

  1. Greater flexibility: Private medical insurance provides greater flexibility in terms of choosing healthcare providers and treatment options.

  2. Additional services: Private medical insurance often covers additional services that may not be covered by the state health insurance system, such as alternative therapies and mental health services.

  3. Coverage outside of Andorra: Private medical insurance also provides coverage outside of Andorra, which can be useful for expats who travel frequently or have family members living in other countries.

  4. Shorter waiting times: Private medical insurance may also offer shorter waiting times for certain procedures or appointments.

  5. English-speaking doctors: For expats who may not speak the local language, private medical insurance can provide access to English-speaking doctors and healthcare providers.

It is essential to note that private medical insurance can be costly, and the level of coverage and benefits can vary widely depending on the plan. It is crucial to research and compare plans thoroughly before choosing one.

In conclusion, health insurance is mandatory for all residents of Andorra, and the state health insurance system provides comprehensive coverage for a range of medical services. Expats living in Andorra can also choose to have additional coverage through international private medical insurance, which offers greater flexibility, additional services, and coverage outside of Andorra. Understanding the healthcare system in Andorra and having the appropriate health insurance coverage is essential for a comfortable and secure life in this beautiful country.


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