Health insurance in Andorra
Top-up to CASS or full private cover, national or international.
If you contribute to CASS, Andorra’s social security refunds part of your medical costs (generally 75% on the preferential route) and you pay the rest. A top-up policy covers that gap.
If you do not contribute to CASS, as with passive residency, you need full private cover. We compare both, including waiting periods, co-payments and networks.
What it covers
- Top-up of the share CASS doesn’t cover
- Hospitalisation and surgery
- Specialists and diagnostic tests
- Emergencies in Andorra, Spain and France
- International options and travel assistance
What drives the price
- Top-up or full private
- Age of each insured person
- Waiting periods and co-payments
- Area: Andorra, neighbours or worldwide
- Number of people
CASS refund rates depend on the service and whether you follow the preferential route via your referring doctor.
FAQ
What is a waiting period?
The time after signing during which some benefits are not yet covered. Each insurer sets its own; we flag them.
Am I covered in Spain or France?
It depends on the policy. Many include emergencies in neighbouring countries and some offer full cover.
Related guides (in Spanish)
Cómo funciona la CASS y por qué se habla tanto del seguro complementario
Explicación clara de los reembolsos de la CASS, la parte que pagas tú y cómo un seguro complementario cubre la diferencia.
SaludSeguro complementario o seguro privado completo: cuál necesitas en Andorra
Diferencias entre complementar la CASS y tener un seguro de salud privado que lo cubra todo, y para quién es cada opción.
SaludPeriodos de carencia en el seguro de salud: qué son y cómo evitar sorpresas
Qué es la carencia, ejemplos habituales en partos e intervenciones, y cuándo se puede reducir o eliminar.
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