Cross-border worker in Andorra: CASS, health insurance and form SE 130-06
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The short answer
Working in Andorra means affiliation to the CASS. An employee living in France can keep French health cover: they request form SE 130-06 from the CASS, then register with the CPAM of their place of residence. Care is reimbursed according to where it is received.
The rules
- Affiliation: anyone who carries out an activity in Andorra falls under Andorran social security (CASS), except in the case of a secondment. Employee contribution: 6.5 %verified on 09/10/2026, employer contribution: 15.5 %verified on 09/10/2026.
- Health cover in France: Form SE 130-06 requested from the CASS, then registration with the CPAM of the place of residenceverified on 09/10/2026
- Reimbursement: care received in the country of residence is reimbursed by the fund of the place of residence, care received in Andorra by the CASS, under the social security agreement between the two countries.
The steps
- Ask the CASS for the care entitlement form.
- Register with the CPAM of your place of residence using this form.
- Keep the supporting documents proving CASS affiliation.
- Check with the CPAM how social contributions on your income are treated.
What the CASS covers
The CASS manages health insurance (with maternity, work accidents, invalidity and death) and old-age cover. According to the CLEISS factsheet (2024 data), for sickness:
| Benefit | Rule |
|---|---|
| Outpatient care | Reimbursement of 65% or 75%verified on 12/10/2026 of the liability tariff |
| Hospitalisation | 90 %verified on 12/10/2026 of the liability tariff |
| Daily allowances | Waiting period of 3 daysverified on 12/10/2026, then 53 %verified on 12/10/2026 of salary for the first 30 days and 66 %verified on 12/10/2026 afterwards |
| Maternity | 20 weeksverified on 12/10/2026 of allowances at full salary |
| Paternity | 28 daysverified on 12/10/2026 consecutive |
For a first claim for benefits in kind, you must be registered and show 25 daysverified on 12/10/2026 of contributions.
Cross-border worker: French health cover
A cross-border worker living in France can request French health cover: Form SE 130-06 requested from the CASS, then registration with the CPAM of the place of residenceverified on 09/10/2026 The choice is made when the activity starts: find out before the first pay.
What does not depend on France
Unemployment insurance does not exist in Andorra in the French form: an allowance may be paid subject to residence and income conditions. Family benefits require legal, effective and permanent residence of at least 7 yearsverified on 12/10/2026. A cross-border worker living in France falls under French family benefits according to the rules of their residence.
To be confirmed
These rates come from a 2024 factsheet: confirm them with the CASS before any decision. See also health and insurance.
Work out your own case
Free simulators, built on the official values of this page.
- Net salary calculator for AndorraFrom gross to net: CASS contribution and IRPF.Open
- Retirement in Andorra: check your CASS entitlementsPension, lump sum or early retirement depending on your age and months contributed.Open
- Quiz: which residency status in Andorra?A few questions, a clear lead towards the right status.Open
Frequently asked questions
Does a cross-border worker pay into the CASS?
Yes, as soon as they carry out an activity in Andorra: contributions from both the employee and the employer.
Can they receive care in France?
Yes, with the care entitlement form, registered with the CPAM of their place of residence.
What about retirement?
Periods of contributions in Andorra count towards the CASS: see the retirement rights tool.
Going further
Official sources
This information is general and is not personalised legal, tax or financial advice. It is verified as of the date shown and may change.