Healthcare in Andorra 2026: system, quality & insurance
A strong public system (CASS) and quality care — you co-pay and reclaim.
Andorra has a good public health system (CASS) that residents pay into; patients typically pay upfront and are reimbursed a large share, with private top-up insurance covering the rest. Care quality is high for a microstate, with a modern hospital in Andorra la Vella; complex cases go to Spain or France.
Healthcare in Andorra: the public system
Andorra's healthcare runs through CASS (the social-security fund): registered residents contribute and access private practitioners and the main hospital (Meritxell) in Andorra la Vella. The model is co-payment — you usually pay upfront and CASS reimburses a large portion — so many residents add complementary private insurance.
Private care and insurance
Quality is high for a microstate and life expectancy is among the world's longest. For specialised or complex treatment, patients are referred to nearby Spain or France, so cross-border care is a normal part of the system.
At a glance
| Item | Detail |
|---|---|
| Public system | CASS (reimbursement model) |
| Private care | Top-up insurance common |
| Insurance for a visa? | CASS + private top-up |
| Quality | High (referrals to ES/FR) |
| Typical cost | Moderate (co-pay/reclaim) |
Where it fits in a borderless plan
See our Andorra tax-residency guide for the low-tax side. Healthcare is one of the practical pillars of actually living somewhere. Weigh it with schooling, banking, and where you are tax-resident. Compare systems in our healthcare-abroad guide.
Frequently asked questions
Is healthcare in Andorra good for expats?
Care quality: High (referrals to ES/FR). Private options are top-up insurance common. Standards vary by city and facility — research specific hospitals for your needs.
Do I need health insurance to get residency in Andorra?
CASS + private top-up. Insurance and visa rules change regularly, so confirm the exact requirement for your visa category before applying.
How much does healthcare cost in Andorra?
Typical cost: Moderate (co-pay/reclaim). Actual premiums depend on age, coverage and pre-existing conditions — get quotes for your situation.
Directories & official sources
Providers and rules change — these are the authoritative directories and regulators to check for current, complete listings:
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