Healthcare in Andorra: CASS, compulsory insurance and supplementary cover
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The short answer
Health cover in Andorra rests on local social security (CASS) for employees and self-employed people, and on private insurance for those who do not contribute to it. Valid cover is required for residency. The level of reimbursement is not equivalent to that of the French system.
The three cases
| Situation | Cover |
|---|---|
| Employee | CASS membership; employee contribution: 6.5 %verified on 09/10/2026, employer: 15.5 %verified on 09/10/2026 |
| Self-employed | CASS membership; contribution base: 25%, 50%, 62.5%, 75%, 100%, 125% or 137.5% of the average monthly overall wage of the previous yearverified on 12/10/2026 |
| Resident without an activity | Private insurance in general |
Practical steps
- Define your cover before filing the residency application.
- Obtain the required certificate. See documents.
- Choose a doctor and a reference hospital.
- Take out supplementary insurance suited to your age and your family.
What the law requires in order to reside
For residencies without a gainful, professional, scientific, cultural or sporting activity, and for remote workers, the applicant must prove sickness, incapacity and old-age cover valid in Andorra for themselves and their dependants, for the whole duration of the permit. For minors and people over sixty, sickness cover is enough. See documents, timelines and costs.
What the CASS covers (CLEISS sheet, 2024 data)
| Benefit | Rule |
|---|---|
| Outpatient care | 65% or 75%verified on 12/10/2026 of the reference tariff |
| Hospitalisation | 90 %verified on 12/10/2026 of the reference tariff |
| Sickness: daily allowances | Waiting period of 3 daysverified on 12/10/2026, then 53 %verified on 12/10/2026 then 66 %verified on 12/10/2026 of salary |
| Maternity | 20 weeksverified on 12/10/2026 at full salary |
| Paternity | 28 daysverified on 12/10/2026 consecutive |
Reimbursement rates are calculated on a reference tariff, and a professional with no agreement with the CASS is reimbursed at a lower rate: supplementary insurance is therefore common.
Retirement
The statutory age is 65 yearsverified on 09/10/2026 with 180 monthsverified on 09/10/2026 of contributions, and early retirement is possible from 61 yearsverified on 09/10/2026 with 480 monthsverified on 09/10/2026, with a reduction of 7 %verified on 09/10/2026 for each year of anticipation: see retirement age.
Family benefits
They require legal, effective and permanent residence of at least 7 yearsverified on 12/10/2026, with income ceilings. A newcomer is therefore not entitled to them straight away: allow for this in the family budget.
To be confirmed
The rates come from a 2024 sheet: confirm them with the CASS. See also social security for cross-border workers.
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
What is the CASS?
The Andorran social security fund, which manages health insurance and other benefits for its members.
Can a passive resident join it?
The conditions for access to the CASS depend on status. Many residents without an activity take private insurance. Check your own case.
Is care reimbursed as in France?
No, the levels of cover and the mechanisms differ. Supplementary insurance is common.
Can you be treated in France or Spain?
Yes, many patients go to the neighbouring hospitals for certain specialities. Reimbursement depends on your cover.
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.