Healthcare in Andorra for expats
How Andorra’s system treats a foreign resident: whether you can use public care, how you enroll after you land, the standard of care, and what private cover costs.
Official sourcecass.ad
Public + private mix
Strong
High standard
$60–150/mo
Healthy adult aged 30–45. A starting band, not a quote.
Can a foreign resident use public healthcare in Andorra?
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.
Source: cass.ad →How do you enroll in healthcare after moving to Andorra?
The public CASS scheme reimburses roughly 75% of most treatment and 90% of hospital care, with the balance covered by a complementary private policy that nearly everyone carries. Active residents contribute through CASS; passive residents are not covered by it and must hold private international insurance valid in Andorra for the whole family.
Fromthe Andorra arrival checklist· checked September 2026
How much does private health insurance cost in Andorra?
About $60–150 a month for a healthy adult aged 30 to 45 — a directional band for private cover, not a quote, and premiums climb with age and pre-existing conditions. A comprehensive international plan that follows you across borders is priced separately and often starts around $150 a month.
Compare international health insurance →What works well in Andorra, and what to watch out for
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.
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.
Care-standard labels are a general, directional summary of a system's reputation — not a judgment that any country is safe or suitable for your specific health needs. This is information, not medical or insurance advice: confirm your own eligibility with the official source and get a private quote for your situation.
Systems and eligibility change and vary by residency status, region, and age — this is directional information current as of 2026, not medical or insurance advice. Confirm your own public-access eligibility with the official source, and get a private quote for your situation, before relying on either.
Healthcare elsewhere in Europe
- AlbaniaMostly private · Uneven careMostly privateUneven$30–70/mo
- CroatiaUniversal public · Good careUniversal publicGood$40–90/mo
- CyprusUniversal public · Good careUniversal publicGood$50–120/mo
- Czech RepublicUniversal public · Strong careUniversal publicStrong$40–90/mo
- EstoniaUniversal public · Strong careUniversal publicStrong$50–120/mo
- FinlandUniversal public · World-class careUniversal publicWorld-class$70–160/mo
- FranceUniversal public · World-class careUniversal publicWorld-class$40–100/mo
- GeorgiaMostly private · Good careMostly privateGood$50–100/mo
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.