Social security (CASS) and health care in Andorra – living in Andorra
Living in Andorra : the CASS system
The social security system in Andorra works in a very different way than in its neighboring countries, Spain and France.
The Social Security Directorate in Andorra was created in 1968. The Andorran Social Security Fund in Andorra, commonly known as CASS, is the social security system in Andorra to which citizens in Andorra can turn in case they need health care, or different health benefits such as retirement or disability benefits to the corresponding degree.
Our professional team has a wide experience in the field of social security in Andorra.
Health Care
Health care in Andorra is a service qualified as one of the best in the whole European territory.
Here you will find more detailed information about social security in Andorra, the benefits and the necessary requirements you must meet in order to be attended by the health system in Andorra according to Andorran regulations.
The social security branch is one of the highlights of the country.
How the health system works
The social security system in Andorra works through a co-payment system.
This means that a person visiting any medical center in Andorra or requiring urgent health care must pay 25% of the bill issued by the medical center. The rest is paid directly by the social security.
In case of hospitalization, 10% of the bill must be paid, the rest is paid directly by the social security.
General functioning of the health and social security system (CASS) in Andorra
All workers and employers residing in Andorra must make monthly social security contributions to contribute to the health and retirement benefits and other expenses of the CASS.
Workers in the Principality of Andorra receive their coverage through what they pay through their paycheck. In other words, workers residing in Andorra pay a contribution to the CASS by deducting 6.5% of their total salary.
On the other hand, the employer must pay to the social security a part for the worker, specifically for the resident workers the employer must pay 15.5% of the base salary of the worker.
In addition, the employer must make the monthly contribution as self-employed (about €500 per month).
Costs and coverage of the health care system
The Andorran health care system therefore covers in case of accidents at work, treatments, retirement pensions, long-term sickness benefits, etc.
It also reimburses 75% of the doctor’s bill.
These characteristics make Andorra’s healthcare system one of the best in the world. Compared to neighboring countries such as Spain or France, health and health care centers are far above.
Maternity and temporary disability
Upon request, the beneficiaries will recognize the economic benefit of such unforeseen conditions and will take into account the insured’s own insurance period in the other country, as long as it is not cancelled.
Maternity in Andorra is not usually a problem in the Andorran territory, the country offers great benefits. If you are looking for more information on this topic related to health and sanitation, do not hesitate to contact us. We will advise you on the maternity benefits available and on the protection of the worker in terms of maternity leave.
Agreement for persons traveling from Spain
Applicants from Spain who wish to receive medical services in Andorra must complete an application form prior to travel which can be requested from the Social Security or E/AND-11.
In Andorra, these forms must be provided in addition to the applicant’s identity document to cover 25% of the total expenses.
It is necessary if you plan to pay all costs and then you can request a remuneration in a proportion that corresponds to your budget. In emergency situations, patients must pay all costs of medical services.
Is it necessary to take out private insurance?
Although not entirely necessary, it should be avoided, as it can provide good coverage of costs prior to consultation or treatment. A private insurance program also offers additional benefits to low-paid workers.
The significant difference between the United States and other countries is that private insurance allows patients to access health services that are governed by the national public. Basically, they simply cover patients’ costs.
What if I retire in Andorra?
It is possible that if you have worked in Spain and in Andorra you may be in doubt as to where you will receive your retirement benefit in the event of your retirement.
In this case, you will receive two pensions (as long as you have been employed for more than one year in Andorra). However, you will have to carry out the necessary procedures to receive the retirement benefits of the two specific countries.
Contact our area specializing in social security law in Andorra so that we can help you with the specific branches of social security and the necessary contributions to be able to access the necessary benefit or reimbursement.
Persons with long illness in the country
If you need information about the loss of rights of people with a long illness in the country, we can help you to find and communicate with the competent professional body serving the population in the country.
The users have an organization in the country to take care of their rights in the field of social security in the country.
CASS Online
The Social Security in Andorra has an online system with easy access from all devices.
You only need your password and your NIA (like your DNI in Andorra) to access and do all the procedures from the platform.
Contact us
If you have any doubts about how to work in Andorra, about contributions in general or about health care in Andorra, we can help you in the most professional way possible.
In case of accident or right for people who have a long illness or long stay in health centers and the necessary quotations or reimbursements, do not hesitate to contact us without any problem.
We have a professional team specialized in the country in the process of disability of the citizens.