Health insurance gives you access to a range of healthcare services and helps you meet the costs of medical appointments, diagnostic tests, treatment, hospital stays or surgery, depending on the cover you take out.
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There are different types of health insurance, from policies that top up CASS costs to those offering private medical care. You can choose the option that best suits your needs and your budget.
It covers the part of your medical costs not reimbursed by CASS, provided you use the preferred route, up to 100% of the rates set by CASS.
It offers broader protection, covering medical costs not reimbursed by CASS both within and outside the preferred route, up to 100% of the rates set by CASS.
Comprehensive health insurance that lets you freely choose doctors, specialists and hospitals, both in Andorra and abroad, with international cover and reimbursements not limited to CASS rates, depending on the terms of your policy.
The exact cover depends on the insurer and the type of policy you take out.
In Andorra, the Caixa Andorrana de Seguretat Social (CASS) usually covers 75% of medical costs and 90% of hospital costs, calculated on the rates set by CASS. The patient pays the remainder.
Top-up health insurance can cover these costs, depending on the cover you take out.
Passive residents are people who live in Andorra without working there and who therefore do not automatically have healthcare cover from the Caixa Andorrana de Seguretat Social (CASS).
To obtain passive residence, you must provide proof of insurance guaranteeing healthcare cover and, where applicable, disability and retirement benefits.
Family reunification allows people legally resident in Andorra to bring certain family members to join them, such as a partner, children or parents, provided they meet the established requirements.
In some cases, you need medical insurance that covers 100% of the healthcare costs of the family member joining you.
When you’re on sick leave, CASS only pays part of your salary.
Sick leave top-up insurance helps you make up the difference, so you can maintain your income while you recover from an illness or accident, depending on the cover you take out.
Your claim is our claim.
We don’t just process claims. We stand by you and defend your interests until the case is closed.
If yours isn’t here, give us a call and we’ll explain.
Yes, and that’s the most common situation. The policy tops up what CASS doesn’t cover. We help you choose the right level so you don’t pay twice for the same thing.
Some cover, such as hospital stays or childbirth, may have a waiting period from when you take out the policy. It depends on the insurer, and we explain it before you sign.
We review your policies with no obligation and prepare a comparison of several insurers for you.
All we need is your email and phone number. That’s enough for us to prepare your quote, with no obligation.
