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Andorra Expat Health Insurance

Andorra is a country located in southwestern Europe. The bordering countries are France to the North and East and Spain to the South and West. The total land area of the country is 468 square kilometers. The capital city of Andorra is Andorra la Vella (Andorra of the Valley), which is located in the south west of Andorra.

Andorra experiences a typical mountain climate and it varies according to elevation. In general, winters are cold, while summers are warm. It is usual to see snow on the top of the mountains until July. The average annual minimum and maximum temperature in the country is -2°C and 24°C respectively.

Andorra is a very scenic country; it is full of beautiful mountains, lakes and forests. The country is a popular tourist destination due to their summer and winter resorts. If you are into activities like skiing, hiking, horse riding and golfing, Andorra will be the place to visit. It is also well known for its duty free shopping.

Andorra Healthcare System

The healthcare system in Andorra is comprised of both public and private sectors. The General Council in Andorra is responsible for the legislation of the healthcare in the country to ensure that citizens and residents have equal access to healthcare services. The Ministry of Health in Andorra is responsible for regulating and planning of the healthcare provision.

The public healthcare coverage in Andorra is directly linked to the social health insurance contributions made by citizens and residents. Caixa Andorrana de Seguretat Social (CASS) is a key player in the Andorran healthcare system. CASS is similar to the social security office in most countries whereby it is responsible for the collection of funds from the insured for healthcare services; it negotiates with healthcare providers on a mutually agreed fee and settles the payments with them accordingly. Moreover, the CASS is in charge to reimbursing patients for direct payments to healthcare providers and taking care of the pension payments and compensation for employees who are unable to work due to illness and medical treatment.

Employees and employers are required to contribute to the State healthcare system. The level of employees’ contribution varies according to the earnings of each employee. In general, employees contribute around 6-9% of their salary, while employers contribute around 13% of each employee’s salary, some of the employers may choose to make a higher contribution as an incentive to the employee. Dependents of the employed family member are covered by the public healthcare system but employees may be required to pay a higher rate of contribution in order to cover them. It is the responsibility of the employers to register all new employees with the health insurance fund when they first start working with the company. For people who are unemployed, and would like to be covered by the State insurance scheme, they can opt into the scheme by making a monthly contribution of around 200 to 400 Euros.

Under CASS, it will reimburse about 75% of all outpatient medical costs and cover up to 90% of hospital fees. CASS has a list of treatments that are covered under the scheme. The public healthcare system also covers some dental treatment; however it is normally limited to routine visits and check-ups.

Citizens and residents can register with the doctor of their choice, however, if they would like to receive public healthcare, they must ensure that the chosen doctor is contracted into the CASS scheme. CASS has an agreement with doctors in Spain or France, and patients can visit CASS registered doctors in these countries as long as they have received referrals from doctors and hospitals in Andorra.

Due to the small country size of Andorra, there is only one hospital in the capital city in Andorra, which is mainly for patients who are seriously ill, injured or required simple surgery. For complex medical treatments and procedures, patients will generally go to hospitals outside of the country, in either Spain or France.

Citizens or residents of Andorra can obtain primary healthcare from General Practitioners (GPs) stationed in the state funded health centres or in private clinics. Other than for emergency treatments, patients are recommended to make an appointment with the doctor prior to their visit. Pharmacies are available all over Andorra, and the Government issues licenses to the pharmacists. Pharmacies are allowed to sell foreign medications that are approved by the Ministry of Health.

Private healthcare is available in Andorra and is provided by individual doctors and specialists. The doctors are responsible for all the expenditure of their clinics, including rent, equipment and salary of employees. Private doctors can conduct surgical, diagnostic and other treatment services in the state hospital; however, in return they are required to do compulsory work for a number of hours each week on emergency calls. About 25% of the country’s population has put in place a private healthcare insurance policy to top up their state healthcare policy. The total expenditure from the Government on healthcare in Andorra is around 7.55% of the country’s GDP. In the case of emergency, medical care is available free of charge to everyone including those who do not have state health insurance.

Andorra Expat Health Insurance

For visitors and expatriates who are looking for peace-of-mind knowing that medical costs will be covered in the event of an accident or illness for yourself and your family while travelling to Andorra, expat health insurance plans or a comprehensive travel insurance policy will be the ideal solution for you.

Global Health Insurance is a one-stop insurance brokerage service provider for you when travelling to the Andorra. Expat health insurance plans we offer come in a wide range to meet your individual needs, including benefits such as dental, maternity, inpatient, outpatient, specialist consultations, and many others. We offer a large variety of healthcare plans as well as travellers insurance plans. Contact our professional advisers today to enjoy full insurance protection such as an Andorra Expat Health Insurance Plan for yourself and your family.

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