The guide for newcomers to Andorra
Moving to Andorra from the UK, Spain or France? Here are the 23 insurers licensed by the AFA, the cover each residency permit asks for and how you join the CASS. An independent guide: we sell no insurance, and what the guides say can’t be bought. Answer 7 to 9 questions and we tell you what applies to you.
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Ranking 2026
Insurers and brokers working in Andorra. From 4 onwards, each one links to its official website.
Zurich (opens in a new tab)
FIATC (opens in a new tab)
Ocaso (opens in a new tab)
Generali Andorra (opens in a new tab)
DKV Andorra (opens in a new tab)
Mora Assegurances (opens in a new tab)
Andbank Assegurances (opens in a new tab)
Creand Assegurances Vida (opens in a new tab)
Global Risc (opens in a new tab)
Multisegur (opens in a new tab)
Andorrana Assegurances (opens in a new tab)
Becser Assegurances (opens in a new tab)
Assegurances Ivori (opens in a new tab)
Creand Assegurances Estalvi (opens in a new tab)
AXA Patrimoine (opens in a new tab)
Mora Corredors (opens in a new tab)
AMB Assessors (opens in a new tab)
ASSAP (opens in a new tab)
Gass Boutique (opens in a new tab)
ClosaSeguros (opens in a new tab)The top three spots are paid sponsorship. From 4 to 23 the list keeps the order it already had. That order isn’t a score and can’t be bought.
The cover Andorra asks for depends on how you move here. Pick your route to see what you pay or deposit, and which law says so.
Cover you need
No private policy for your residency. Your employer registers you with the CASS, the public health and pension scheme, on your first day at the latest.
My plan for this routeWhat you pay or deposit
22%
of your salary goes to the CASS: you pay 6.5% and your employer 15.5%.
Work accidents are covered from day one. Your first medical refund needs 25 days of contributions.
Sources: cass.ad · Cotitzacions · cass.ad · Abonament de despeses
Cover you need
The CASS as a self-employed worker, which you pay every month. To reserve the permit, the law asks for a 50,000 € payment to the AFA, which is not refunded unless the permit is refused. There are some exceptions.
My plan for this routeWhat you pay or deposit
587.95 €/month
is the 2026 self-employed CASS contribution on the full base. On the reduced base, 146.99 €.
Under 35? 86.27 € a month for your first 12 months.
Sources: cass.ad · Compte propi · cass.ad · Règims especials · Llei d’immigració, art. 38 ter
Cover you need
Private health insurance covering illness, disability and old age, for you and every dependant. For children and over-60s, illness cover is enough.
My plan for this routeWhat you pay or deposit
50,000 €
to the AFA, plus 12,000 € per dependant. Refunded only if your permit is refused.
On top of that: investing 1,000,000 € in the country (400,000 € if it goes into the public housing fund) and living here at least 90 days a year.
Sources: Llei d’immigració, arts. 95-96 · Llei 2/2026 · Govern · Residència sense treball
Cover you need
The same health insurance as passive residency: illness, disability and old age, for your family too.
My plan for this routeWhat you pay or deposit
47,500 €
deposited with the AFA, interest-free, plus 9,500 € per dependant. You get it back when you leave or don’t renew, minus AFA fees.
You need 90 days a year here, a base in Andorra, one employee at most, and at least 85% of your services used abroad.
Sources: Llei d’immigració, arts. 98-99
What you pay or deposit
190.96 €
is the fee for the G.1 temporary permit.
On payroll, 22% of your salary goes to the CASS, as with any contract.
Sources: e-tràmits · G.1 · cass.ad · Cotitzacions
Also in Spanish: Reagrupación familiar · Cotización asalariados · Matrícula extranjera
Andorra has social security agreements with Spain, France and Portugal only. That changes what covers you when you arrive and when you visit home.
Tap a country to see its route to Andorra and what changes for you.
The Spanish-Andorran social security agreement, applied since 1 January 2003.
You pay in where you work. If you live in one country and work in the other, you and your family get care in both.
on Spanish plates, from the day your residence is granted. After that, Andorran plates.
Registered with the CASS? Ask for the E/AND-11 before you cross. It covers only what can’t wait, in public healthcare, for stays of up to 6 months per calendar year.
If you retireWith a Spanish contributory pension you join the CASS using the Spanish-Andorran agreement form.
The French-Andorran agreement, signed on 12 December 2000.
If you work in Andorra you pay into the CASS, even if you sleep in France.
on French plates, from the day your residence is granted. After that, Andorran plates.
Take the SE130-04. If you’re not admitted to hospital, you pay and claim the money back.
If you retireFrench retirees with no CASS rights join with form SE 130-09. France generally withholds 3.2% of the basic pension and 4.2% of the supplementary one.
The Portuguese-Andorran social security agreement.
of contributions before the CASS covers ordinary illness. Workplace accidents are covered from day one.
on Portuguese plates, from the day your residence is granted. After that, Andorran plates.
Take the P/AND3 to public hospitals and health centres. The hospital may charge the taxa moderadora, the Portuguese user fee.
No agreement. Your European Health Insurance Card won’t work here: Andorra is not in the EU or the EEA. Only Spain, France and Portugal have an agreement.
Until you’re in the CASS or have your own policy, arrive with travel insurance that covers Andorra.
of contributions before the CASS covers ordinary illness. Workplace accidents are covered from day one.
on foreign plates, from the day your residence is granted. After that, Andorran plates.
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Seguros Andorra is an independent guide to insurance in Andorra. We explain what Andorran law makes compulsory, how the CASS (the public health and social security fund) refunds medical care, which policy each residency permit asks for and which companies the AFA, the financial regulator, has authorised. We are not a broker, an agent or an insurer: we don't sell policies or quote prices, and what the guides say can't be bought.
Is there something unusual about your case? Tell us in the questionnaire
Healthcare in Andorra depends on one question: do you pay into the CASS? Employees and the self-employed do, and the CASS refunds part of each bill. People who live here without working, such as passive residents and digital nomads, don't, so they need private cover instead; for passive residency, a policy covering illness, incapacity and old age.
The passive residency and the digital nomad permit both require private health insurance, and the Govern checks the certificate word by word.
If you are relocating, start with the insurance checklist for moving to Andorra. It puts each policy in the order you will meet it, from the permit application to your first winter. The full list of what the law requires, with each law named, is in mandatory insurance in Andorra.
Policies for risks located in Andorra, other than life insurance, have to be taken out with an entity authorised in the country. The list of licensed insurers copies the AFA register in number order, with what each company may insure.
The pages are written and reviewed by the Seguros Andorra editorial team. Every figure, article and percentage comes from an official source that we link at the foot of the page: the CASS, the AFA, the Govern d'Andorra or the law itself on the Portal Jurídic d'Andorra. Each page shows the date it was last reviewed.
We are an information site. We are not registered as an insurance intermediary, we don't take commission on policies. The top three ranking spots are paid sponsorship. The order of the rest of the list isn't a score and can't be bought. If you tell us about your situation through the contact form, we will point you to the right guide.
It depends on your permit. If you work here, your CASS contributions are your public cover and a private policy is optional. If you apply for passive residency or the digital nomad permit, the Govern requires private health insurance for you and your dependants.
Not in the sense of the NHS. Even if you contribute to the CASS, you usually pay the doctor and then get back a percentage of the CASS tariff: 75 % for a GP visit through your referring doctor.
No. Andorra is outside the EU and the EEA, and the UK government states that neither card is valid there. Travel with insurance that covers medical costs in Andorra.
Liability cover for cars and motorbikes with Andorran plates, CASS contributions if you work, a policy if you rent a home, building insurance in shared buildings, and liability cover for e-scooters, hunting, potentially dangerous dogs and some professions.
Look it up in the AFA register. On 15 October 2026 it listed 23 active insurers, each with its AFA number and the classes it may write.
23, as of 15 October 2026: 11 Andorran companies and 12 branches of foreign insurers, all listed in the AFA register. You will find them in the table above, in alphabetical order.
No. Seguros Andorra explains the rules and links to the sources. We don't sell or promise prices, and the guides don't recommend companies.
The plan runs on 32 rules. Each one cites the law or authority behind it: 9 Andorran laws and regulations, plus the AFA register of 23 authorised insurers.
We are not brokers and we don’t sell insurance. Sponsorships are always labelled and never change your plan. How we work
These are the companies listed in the register of the AFA, Andorra’s financial supervisor: 11 Andorran companies and 12 branches of foreign insurers. They appear in alphabetical order, and the list does not recommend any of them.
| Insurer | AFA no. | Classes | Origin |
|---|---|---|---|
| Andorra Assegurances Agrícol Reig, S.A.U. | A01 | Life | Andorran |
| ARAG SE | A16 | Non-life | Branch of a foreign insurer |
| Assegur Diversos, S.A. | A05 | Life and non-life | Andorran |
| Assegurances Ivori, S.A. | A07 | Life | Andorran |
| Atradius Crédito y Caución, S.A. de Seguros y Reaseguros | A17 | Non-life | Branch of a foreign insurer |
| AXA France IARD, SA | A18 | Non-life | Branch of a foreign insurer |
| Becser Assegurances, S.A. | A10 | Non-life | Andorran |
| CA Vida Assegurances, S.A. | A03 | Life | Andorran |
| Companyia Andorrana d’Assegurances, S.A. | A11 | Life and non-life | Andorran |
| Credit Assegurances, S.A.U. | A02 | Life | Andorran |
| DKV Seguros y Reaseguros, S.A.E. | A20 | Non-life | Branch of a foreign insurer |
| FIATC Mutua de Seguros y Reaseguros | A21 | Life and non-life | Branch of a foreign insurer |
| Financera d’Assegurances, S.A. | A12 | Non-life | Andorran |
| Generali IARD, S.A. | A22 | Non-life | Branch of a foreign insurer |
| Generali Vie, S.A. | A23 | Life | Branch of a foreign insurer |
| Global Risc Assegurances, S.A. | A13 | Life and non-life | Andorran |
| Mora Assegurances, S.A.U. | A06 | Life | Andorran |
| Multisegur Assegurances, S.A. | A14 | Life and non-life | Andorran |
| OCASO, S.A. Compañía de Seguros y Reaseguros | A24 | Non-life | Branch of a foreign insurer |
| Occident GCO, S.A.U. de Seguros y Reaseguros | A26 | Life and non-life | Branch of a foreign insurer |
| Vital Seguro, S.A. | A27 | Non-life | Branch of a foreign insurer |
| Zurich Insurance Europe AG | A28 | Non-life | Branch of a foreign insurer |
| Zurich Vida, Compañía de Seguros y Reaseguros, S.A. | A29 | Life | Branch of a foreign insurer |
Source: AFA register of authorised entities, Andorran companies and foreign companies, checked on 15 October 2026.
