Insurance for passive residence in Andorra
The sickness, disability and old-age cover passive residency requires.
To obtain and renew passive (non-lucrative) residence in Andorra, you must hold insurance covering sickness, disability and old age for yourself and your dependants throughout the permit.
Residency rules were reformed in 2026 and financial requirements changed. We handle the insurance part and give you the certificate you need.
What it covers
- Full private healthcare
- Disability cover
- Old-age cover as required
- Spouse and dependent children
- Certificate for Immigration
What drives the price
- Age of the applicant and dependants
- Number of dependants
- Andorra or international cover
- Excess and co-payments
- Declared pre-existing conditions
Investment, minimum stay and income requirements are set by the Government of Andorra and may change. Always confirm the current version.
FAQ
What insurance does passive residence require?
Cover for sickness, disability and old age for the applicant and dependants. For minors and over-60s, sickness cover may be enough; we confirm for your case.
Can I buy it before arriving?
Yes — you need it to file the application. We send the quote and certificate digitally.
Related guides (in Spanish)
Seguro para la residencia pasiva en Andorra (2026): requisitos y cómo elegir
Qué seguro pide la residencia pasiva, quién debe estar cubierto, qué documentación necesitas y cómo encaja tras la reforma de 2026.
ResidenciaResidencia pasiva en Andorra tras la reforma de 2026: qué cambia y qué no
Resumen de los cambios publicados en los requisitos de inversión y estancia de la residencia pasiva, y el papel del seguro.
Guías generalesTe mudas a Andorra: checklist de seguros para los primeros 90 días
Qué seguros necesitas al llegar a Andorra según tu situación: salud, hogar, coche, responsabilidad civil y más, en orden de prioridad.
