Do I need Health Insurance When Moving to Andorra?

Moving to Andorra as an expat or digital nomad comes with the excitement of embracing a new culture and the stunning Pyrenean landscapes. However, it's crucial to address the practicalities of such a move, one of which is healthcare. Andorra has a high-quality healthcare system, but as a newcomer seeking residency, you are required to have health insurance coverage. This insurance is necessary to ensure that you have access to medical services during the period before you obtain residency or enroll in the public healthcare system. The requirements for health insurance typically include a minimum coverage amount and a policy that remains valid for the entire duration of your stay or until you are covered by the Andorran healthcare system.

Does Expat Health Insurance Meet the Requirements?

For expats and digital nomads, it's essential to ensure that the health insurance policy you choose meets Andorra's requirements. Generally, expat health insurance policies are designed to provide comprehensive coverage that is acceptable for residency applications. However, it's important to verify that the policy covers a sufficient minimum amount and includes all necessary medical services. The insurance should also be valid for the length of your stay or until you can join the CASS (Caixa Andorrana de Seguretat Social), Andorra's social security system, which provides access to the public healthcare system.

Which local health insurers offer this type of insurance?

In Andorra, there are several local health insurers that offer policies tailored to meet the needs of expats and digital nomads. These insurers understand the requirements for residency and can provide the appropriate coverage. Some of the well-known local insurance companies include Assegurances Generals, Crèdit Assegurances, and Mútua General de Catalunya. These companies offer a range of plans, from basic to comprehensive coverage, ensuring that you can find a policy that fits your needs and budget while complying with Andorran regulations.

Advice from Expats in Andorra about Health Insurance

Experienced expats in Andorra often emphasize the importance of understanding the specifics of the health insurance policy you are considering. It's advisable to look for a plan that not only meets the minimum legal requirements but also offers coverage for a wide range of medical services, including emergency treatment, hospitalization, and repatriation if necessary. Additionally, consider the deductible and co-pay amounts, as these can significantly affect your out-of-pocket expenses. Expats recommend choosing a reputable insurer with a track record of prompt and reliable service. Lastly, ensure that your policy is flexible enough to adjust as your residency status changes and you become eligible for the public healthcare system.