How do you choose health insurance in Andorra in 2026?

Q: How do you choose health insurance in Andorra in 2026?

Active workers usually enrol in the Caixa Andorrana de Seguretat Social (CASS) through employment or an approved self-employed base, then decide whether a local top-up is worth the residual co-payment. Passive residents cannot rely on a job-linked CASS card and must show private insurance that covers medical care inside Andorra for Immigració. Travel-only policies fail that residence test. Compare via preferent reimbursements, dental and optical gaps, and care outside the Principality before you sign.

Andorra health insurance is two different products depending on your Immigració track. Workers build around CASS. Passive residents shop full private cover that immigration will accept. Do not buy the wrong layer first: Apply for a residence permit.

What should workers choose after CASS?

Once you are a CASS beneficiary, many consultations inside the via preferent (preferred pathway) reimburse about 75% of CASS reference tariffs, and hospital stays often reimburse about 90%, so you still fund a residual share: Healthcare costs. Local top-ups such as Creand Salut and similar bank-linked products exist to clear that residual and some extras when you stay with CASS-affiliated providers, including Hospital Nostra Senyora de Meritxell.

Shop waiting periods, dental and optical ceilings, sick-leave extras, and whether claims need a second submission after the CASS refund. Employer packages sometimes already include a collective top-up; check HR before you duplicate it. Keep a reachable +376 number and parish address on the policy: Get a mobile phone and Register your address.

Health8.5/10

Residency pathway6.8/10

Cost of living6.8/10

What must passive residents prove?

Passive residence files need private medical insurance that covers care in Andorra, not a short Schengen travel policy. Immigració treats that cover as a filing condition alongside investment and AFA evidence. Quote age, pre-existing conditions, inpatient versus outpatient scope, and whether the insurer bills Andorran clinics directly.

Some movers keep a broader international plan for Spain or France hospital preferences, then still verify the policy names Andorra explicitly. Budget premiums on the same sheet as rent and deposits: Monthly budget. After you arrive, pick a metge referent (referring GP) so the via preferent pathway works when you later join CASS through work.

Common misconceptions

Assuming EU public cover follows you into Andorra fails. The Principality runs CASS and private rules of its own.

Assuming any “worldwide travel” card satisfies passive residence also fails. The policy must cover residence-level care inside Andorra.

Summary

Choose CASS first if you work locally, then decide on a top-up for residual co-payments; choose full private cover that Immigració accepts if you enter on a passive track. Align insurer address data with your Comú parish before renewals and clinic visits start.

Sources

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