Healthcare in Andorra for expats
How the healthcare system works for a foreign resident — whether you can use public care, how good it is, and what private cover actually costs. Information current as of 2026; verify current rules before relying on it.
System
Public + private mix
A public system alongside a large private sector — expats commonly choose private care for speed, English, and comfort.
Care quality
Private cover
$60–150/mo
Healthy adult, 30–45. Get a quote.
Public access for foreign residents
Working residents must affiliate with the CASS social-security fund and contribute; CASS then reimburses roughly 75% of most treatment and about 90% of hospital and maternity care, so nearly everyone adds a top-up policy. Passive (non-working) residence permits require you to hold private cover instead.
Official source →What works well
Small, fast and high-standard — you get a same-week appointment with the specialist you choose, and the Meritxell hospital plus the French and Spanish hospitals an hour away give real depth for a country this size.
What to watch out for
CASS reimburses a share rather than paying the bill: you pay the provider up front and claim back, and the missing 25% is why a top-up is standard. Passive residents get no CASS access at all and must buy full private cover.
Healthcare eligibility, costs, and system rules change and vary by residency status, nationality, region, and age. This is directional information current as of 2026 — not medical or insurance advice. Confirm your access eligibility with the official source and get a private quote for your own situation before relying on either.
Moving to Andorra?
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Information only, not legal advice — we never file anything with any government. Requirements change; verify with the official source or a licensed immigration advisor before you apply.
Healthcare in Andorra: FAQ
Can I use public healthcare in Andorra as an expat?
Working residents must affiliate with the CASS social-security fund and contribute; CASS then reimburses roughly 75% of most treatment and about 90% of hospital and maternity care, so nearly everyone adds a top-up policy. Passive (non-working) residence permits require you to hold private cover instead.
How much does private health insurance cost in Andorra?
For a healthy adult aged 30–45, comprehensive local or international cover in Andorra typically runs about $60–150 per month. Premiums rise with age, pre-existing conditions, and plan breadth — treat this as a starting band and get a personalised quote for your situation.
What is the healthcare quality like in Andorra?
Andorra's healthcare rates as "Strong" by international measures. Small, fast and high-standard — you get a same-week appointment with the specialist you choose, and the Meritxell hospital plus the French and Spanish hospitals an hour away give real depth for a country this size.
What should expats watch out for with healthcare in Andorra?
CASS reimburses a share rather than paying the bill: you pay the provider up front and claim back, and the missing 25% is why a top-up is standard. Passive residents get no CASS access at all and must buy full private cover.
What type of healthcare system does Andorra have?
Andorra runs a "Public + private mix" healthcare model. A public system alongside a large private sector — expats commonly choose private care for speed, English, and comfort.