Andorra Health Insurance for Expats

International Health Insurance for Expats in Andorra

If you are planning to move or travel to Andorra, you may have concerns about its healthcare system and the need for private health insurance. International health insurance plans offer expats access to quality care, covering hospitalization, outpatient treatments, and emergency evacuation.

This brief guide provides information about Andorra, and its healthcare system, and further outlines the key health insurance options available in the country. Read on to discover more, or click below for a free no-obligation quote.

Recommended International Health Insurance Plans for Expatriates Living in Andorra

The Healthcare System in Andorra

Andorra’s healthcare system is also one of the most technologically advanced in Europe and is similar to the French healthcare system. The country has a publicly funded healthcare system as well as a private healthcare sector.

Many consider the Andorran healthcare system a major contributor to the country's high standard of living. According to the World Health Organization, the Andorran healthcare system was officially established over 100 years ago in September 1918 due to the influenza pandemic at the time. 

Andorra boasts one of the top healthcare systems globally. A 2017 Lancet study gave it a “Healthcare Access and Quality Index” (HAQ) score of 95/100, higher than Japan (89), Canada (88), the UK (85), and the US (81), highlighting its superior access and quality compared to other developed nations.

Andorra’s Public Hospitals

Hospital Nostra Senyora de Meritxell is Andorra’s main public hospital, providing comprehensive care, including emergency services, surgery, maternity, and specialties like cardiology and oncology. Supported by Andorra’s social security system, it ensures accessible healthcare for residents.

Andorra's limited public hospitals rely on partnerships with France and Spain for specialised treatments. Residents can access cross-border care for procedures not available locally, ensuring comprehensive medical support despite the country's small healthcare network and resources.

Andorra’s Private Hospitals

While Andorra does not have private hospitals, it has several private clinics for specialized outpatient care. These clinics offer quick access to consultations and specialized services not always available at public hospitals, making them popular for minor procedures and diagnostics.

Key clinics include:

• Clinica Sant Vicenç: Known for services in dermatology, physiotherapy, and diagnostic imaging, this clinic offers timely appointments and quality outpatient care for Andorran residents and visitors.
• Centre Mèdic Vascular d’Andorra: Specializes in vascular treatments and cosmetic care, including vein procedures and minimally invasive cosmetic treatments, making it a preferred choice for expats seeking aesthetic services.
• Clinica Omega Zeta: A multidisciplinary private clinic offering dental, gynecology, and chiropractic services. It’s a popular option for those looking for specialized consultations and minor procedures outside of public healthcare.

Expats and travelers often choose private health insurance in Andorra to cover costs at private clinics and access specialized treatments abroad. This option offers more personalized care and a broader range of healthcare services, both within Andorra and in neighboring countries for complex cases.

Andorran National Health Service

The Andorran National Health Service, Servei Andorrà d’Atenció Sanitària (SAAS) was created in December 1986 and is responsible for the administration and management of all public healthcare resources in the country.

Health Insurance Options in Andorra for Expats

When moving to Andorra, understanding your health insurance options is essential for ensuring access to quality healthcare. Expats can choose between public insurance, which offers affordable basic coverage, and private insurance, which provides enhanced medical services and international care options. 

Here's a closer look at both:

Public Insurance in Andorra

Andorra’s public healthcare system, funded by social security contributions, is managed by the Caixa Andorrana de Seguretat Social (CASS). This system provides residents with affordable, quality care at Hospital Nostra Senyora de Meritxell and other public health facilities. 

Coverage includes essential services like emergency, maternity, and general medical care. Patients pay a portion, with CASS reimbursing 75-90% depending on the service. Public insurance is available to legal residents working in Andorra or contributing to CASS through self-employment or other qualifying means.

For expats, public insurance is a cost-effective option, but it may not cover all medical needs, especially in specialized treatments that may require travel to France or Spain under government agreements.

Private Insurance in Andorra

Private health insurance is popular among Andorra’s expats and travelers, providing access to private clinics and coverage beyond public healthcare limits. It allows faster specialist access and covers treatments abroad, ensuring broader healthcare options outside Andorra’s public system.

Pacific Prime offers customizable international health insurance plans for expats in Andorra. These plans cover outpatient consultations, emergency services, and optional dental and vision care, making them a valuable supplement to public insurance. 

Private insurance ensures peace of mind with broader healthcare coverage and can help bridge gaps in the public system, especially for those seeking more flexibility and comprehensive care.

Best Private Insurance Providers for Expats in Andorra

Pacific Prime offers international health insurance plans that give expats in Andorra flexibility and comprehensive coverage. Here are some top plans available:

Cigna Global

Cigna Global provides customizable coverage for expats, with options for inpatient, outpatient, dental, and vision care. Plans include international coverage, allowing expats access to care within Andorra and abroad, with additional benefits like 24/7 support and medical evacuation.

Allianz Care

Allianz Care offers tailored health plans that cover inpatient and outpatient care, emergency medical transport, and optional add-ons like dental and maternity. Known as a strong provider network and reliable customer support, Allianz is a popular choice for expats needing extensive coverage.

AXA PPP International

AXA PPP provides international health plans that cover primary and specialist care, along with optional wellness, vision, and dental benefits. Their global reach and reputation for quick claims processing make it ideal for expats seeking broad coverage in Andorra and abroad.

GeoBlue

GeoBlue focuses on high-quality care and a strong global network. GeoBlue plans include coverage for medical evacuations, emergency care, and outpatient services, as well as digital tools to manage health records and claims, ideal for expats prioritizing easy access to care worldwide.

Facts to Consider When Picking Insurance in Andorra

Choosing health insurance in Andorra depends on your needs. Public coverage is basic, while private insurance offers more flexibility and additional benefits. Consider costs, coverage abroad, specialist access, and emergency care, especially if engaging in winter sports.

1. Public vs. Private Coverage NeedsAndorra’s public health system, CASS, covers essential healthcare with partial reimbursements (75-90% depending on the service). However, private insurance is recommended to cover costs not included in the public plan, like dental, optical care, and treatments abroad​.
2. Extended Coverage in Neighboring CountriesCASS provides limited coverage in nearby countries like Spain and France, especially for emergency cases. For broader protection and to avoid unexpected costs while traveling, private insurance plans that extend coverage internationally can be beneficial​Expat Focus.
3. Specialist Access and Wait TimesAndorra’s healthcare quality is high, but private insurance may offer faster access to specialists and shorter wait times. Expats should consider private options for a smoother healthcare experience and to secure treatment flexibility across borders​Andorra Solutions.
4. Emergency and Winter Sports CoverageAndorra sees seasonal injuries related to winter sports, so expats and travelers may benefit from insurance that includes emergency medical and trauma coverage, especially for skiing accidents, and medical evacuation coverage for complex cases​.

When selecting a plan, Pacific Prime can assist with customized advice to fit expats' specific needs and budgets.

Health and Safety Tips for Travelers in Andorra

When traveling to Andorra, it’s essential to be aware of a few key health and safety tips to ensure a smooth and enjoyable experience.

1. Health Risks and Vaccinations: Andorra generally does not have specific vaccination requirements, but it's advised to ensure that routine vaccinations are up to date. Hepatitis A and B vaccinations may be recommended.
2. Altitude and Sun Exposure: Due to Andorra's high altitude, travelers should be mindful of the risks of altitude sickness, especially if engaging in outdoor activities like hiking or skiing. Sun protection is also crucial as the UV radiation is stronger at high altitudes.
3. Insect Protection: While Andorra is relatively free from many tropical diseases, it's still advisable to use insect repellent to avoid mosquito bites, particularly in the warmer months.
4. Health Services: Andorra has high-quality healthcare facilities, and travelers can seek advice from local clinics or the Andorran Ministry of Health for any health-related concerns.
5. Safety and Security: Andorra is generally very safe, with low levels of crime. However, tourists should always take precautions with personal belongings and be cautious of pickpocketing in busy areas.

Medical evacuation cover 

Medical evacuation is considered useful, especially when expats are far from home and unfamiliar with the healthcare system they have access to. Securing medical evacuation cover will ensure effective management of medical treatment during emergencies. The nearest city to provide top-quality healthcare is  Barcelona which is easily accessible by air ambulance.

To learn more about this cover, download our free medical evacuation guide.

Frequently Asked Questions

Is health insurance mandatory for expats in Andorra?

Expats working in Andorra must register with the CASS (Caixa Andorrana de Seguretat Social), which provides public health insurance coverage. Those not employed can access private insurance, but it’s recommended to supplement public insurance with a private plan for more comprehensive care​.

What does Andorra's public health insurance cover for expats?

Public health insurance in Andorra covers essential services like hospitalization, general medical treatments, maternity, and emergency care. However, expats must pay a portion of the costs, typically reimbursed between 75% to 90% depending on the service​.

What are the benefits of private health insurance in Andorra?

Private health insurance in Andorra allows for faster access to specialized care, reduced waiting times, and more comfort in private clinics. It also extends coverage for services not included in the public system, such as dental or optical care, and can include international coverage.

Is it advised to get private health insurance for Andorra?

Travelers and expatriates visiting Andorra are advised to take out a comprehensive international health insurance policy before arriving in the country. The publicly funded healthcare system is only available to residents, and travelers and expats without the proper residency permit will have to pay out of pocket for any healthcare and treatment they receive. 

Is the European Health Insurance Card (EHIC) valid in Andorra?

Expats who are from other European countries should be advised that the EHIC is not valid in Andorra. The country is not a participating country, unlike the European Economic Area (EEA); that is, all EU countries plus Iceland, Norway, and Liechtenstein. As the EHIC is invalid in Andorra, visitors and expats must ensure they have adequate comprehensive private health insurance for the entire duration of their stay.

Conclusion: Compare Plans and Quotes Now

There are many insurance options available in Andorra, which is why it can be a challenging task to find the best private health insurance policy. One of the best decisions travelers and expats can make is to consult an experienced insurance broker like Pacific Prime.

With almost two decades of experience matching expats with the most optimal health insurance solutions on the market, Pacific Prime leverages its close partnerships with all major insurers and has an extensive portfolio of all the best plans. 

In addition to having the best health insurance policies, Pacific Prime also offers unparalleled service and outstanding claims support. 

Contact Pacific Prime today to secure the best insurance solution with the help of consultants who provide impartial advice and support, or get a free quote from our online quote generator.