Healthcare System (CASS)
Understanding CASS is key if you want to live in Andorra. Discover the essentials about its coverage, contributions, and retirement system here.
Healthcare in Andorra Guide 2025
The Andorran Healthcare System: Your Definitive Guide to CASS
Are you considering residency in Andorra? Understanding CASS is key. Discover why its healthcare system is one of the best in the world, with exceptional coverage, a fair retirement system, and adapted contributions. Get ready for peace of mind!
Table of Contents
🏥 CASS Coverage: Quality and Speed
The Andorran system operates on a co-payment basis, but its generosity will surprise you. Unlike in other countries, in Andorra, access to specialists and diagnostic tests is incredibly fast, with minimal or non-existent waiting lists.
How Does It Work in Practice? Your Day-to-Day with CASS
The process is 100% digital and designed to be simple:
- Choose freely: You book an appointment directly with the doctor or specialist you prefer. You must be referred by your primary care physician (metge referent).
- Pay at the clinic: You pay 100% of the total cost of the visit at the clinic (e.g., €60) or 25% if the center uses the third-party payment system.
- Upload the form: The clinic gives you a stamped form. You take a picture of it and upload it to the CASS app or website.
- Receive your reimbursement: In 2-5 days, CASS deposits 75% (€45 in this example) directly into your bank account.
💎 Key Benefits That Make a Difference
- 🦷 Dental Health: CASS covers 75% of the cost of two dental cleanings per year!
- 🏃♂️ Physical Therapy and Rehabilitation: Sessions prescribed by a doctor are also 75% covered.
- ❤️ Social Benefits: Includes paid sick leave, maternity/paternity leave, and disability, survivor, and orphan pensions.
- 💊 Affordable Medications: Up to 75% coverage for prescription drugs.
👨👩👧👦 Coverage for Your Family
With a single contribution, your direct dependents (minor children, or up to 25 if they are students, and spouses with no income) are covered, ensuring peace of mind for the whole family.
🌍 International Agreements: Your Contributions Travel with You
Andorra has bilateral Social Security agreements with Spain, France, and Portugal. This allows you to add the years you’ve contributed in those countries to your years in Andorra to reach the minimum required for a retirement pension.
💰 Contributions for the Self-Employed: The Real 2025 Table
The system is fair: as a self-employed person, you pay based on your actual income. The general contribution is ~€533.87/month, but there are significant reductions.
Contribution Table by Income Brackets (annual net income)
| Annual Net Income | % of Contribution Base | Estimated Monthly Contribution |
|---|---|---|
| Less than €6,000 | 25% | ~ €133 |
| From €6,000.01 to €12,000 | 50% | ~ €267 |
| From €12,000.01 to €18,000 | 62.5% | ~ €334 |
| From €18,000.01 to €24,000 | 75% | ~ €400 |
| From €24,000.01 to €30,000 | 100% (General Base) | ~ €534 |
| More than €30,000 | 137.5% | ~ €734 |
Information based on Law 17/2008 on social security. For more details, you can consult the official legal text. The official contribution table can be consulted here.
📈 Retirement in Andorra: The Transparent Point System
Your pension is calculated using a fair and predictable point system. Part of your contribution “buys” points each year. When you retire, your gross annual pension is the result of multiplying your points by the value of a point at that time. The Government sets the purchase and sale price of the point each year (currently it is almost €26). It’s a system that rewards consistency and gives you control over your future.
When we decided to move to Andorra, the healthcare system was a priority. AndorraWay explained how CASS works so clearly that it gave us the confidence to make the move. Today, we enjoy incredible healthcare for the whole family.
Frequently Asked Questions about CASS
Can I freely choose my doctor in Andorra?
Yes. One of the great advantages is the complete freedom to choose both your primary care physician and any specialist, without needing to go through a family doctor first.
Does CASS cover me if I travel abroad?
No. The standard coverage is for Andorran territory. For travel, a complementary private insurance with travel assistance coverage is recommended. However, bilateral agreements with Spain and France allow for healthcare coverage in those countries in specific situations.
How long do I need to contribute to be entitled to a pension?
The minimum is 15 years of contributions. Thanks to international agreements, years worked in Spain, France, or Portugal can help you reach this minimum.
Is the CASS reimbursement fast?
Yes, very fast. The reimbursement is processed and deposited into your bank account within 2 to 5 business days.
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