Andorra’s healthcare system, state-of-the-art hospital and private practices
Andorra Expats | 05.21.2016 | MoraBanc editorial staff
Andorra has a healthcare system that is comparable to France’s socialist system. The World Health Organization ranked this tiny yet breath-taking country’s universal healthcare system as number 4 in the world; yet another reason for prospective expatriates to relocate to this remarkable country.
Andorra’s universal healthcare system
There are several entities which govern the Andorran healthcare sector: the General Council, the SAAS (the National Health Service), the Ministry of Health and Welfare and the CASS (the Social Security Office).
In order to be covered by CASS, the public entity which manages the social security system, one must be employed by either an Andorran or private company. That means that CASS covers expatriates with Active Residency permits and their families. The amount individuals contribute to this system depends on their salary. Employees pay between 5.5% up to 10.5% of their salary and employers are required to contribute another 14.5%. It is important to note that new employees working for an Andorran company need to register with CASS.
CASS’s universal healthcare system covers 75% of all outpatient medical costs (including medical prescriptions and doctors visits), 90% of hospital fees and 100% of work-related injuries. Expatriates with Passive Residency permits and tourists are not covered by this healthcare system and must have private medical insurance. Andorra has a large network of insurance companies to choose from, offering a wide range of personalized private insurance.
Andorra’s hospital, medical centers and network of doctors and pharmacies
A superb hospital and numerous medical centers
Andorra’s world-class hospital, the Hospital Nostra Senyora de Meritxell, is equipped with state-of-the-art medical equipment and has specialists who completed their medical training abroad (mainly in France and Spain). The hospital has the capacity to transfer patients in need to hospitals abroad by ambulance or helicopter. Andorra also has numerous specialized private practices and medical centers which can be found throughout the country.
Private practices in Andorra
Andorra has a great network of doctors that run their private practices throughout the country. These private practices specialize in many different fields such as homecare, dermatology, dentistry, etc. Various languages are spoken in order to cater to patient needs. CASS provides a list of Andorra’s hospital and medical centers. It should be noted that the CASS covers routine dentist visits and check-ups however more extensive treatments must be paid for out of pocket.
A note on Pharmacies: Andorra has one of the highest ratios of pharmacies per capita in Europe. Pharmacists can sell approved foreign medical prescriptions from certain pharmaceutical companies which have been approved by the Ministry of Health and Welfare.
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Information on the processing of personal data
In compliance with Law 15/2003 of 18 December on protection of personal data, the customer authorizes that the applicant’s personal data entered on this form will be incorporated into files owned and managed by MORA BANC GRUP, SA – MORA BANC, SAU (hereafter referred to as “MoraBanc”) to process the requested service and, if necessary, to comply with the contracts finally entered into, and also to ensure correct operational procedures.
The applicant expressly authorises MoraBanc to send him/her commercial and promotional communications for products and services and information on the Bank itself, social or other activities, in hardcopy by post or by electronic means (among others, short messages (SMS) to mobile phones, e-mail, etc.). This consent can always be withdrawn, without retroactive effect.
The fact of filling out this form implies that the applicant acknowledges that the information and personal data provided are true, accurate and correct; otherwise, MoraBanc declines all responsibility for the lack of truthfulness or correctness of the data.
The applicant authorises the data provided to be communicated or shared with third parties forming part of the MoraBanc business group, entities which are primarily active in the financial, insurance and service sectors. The applicant is considered as having been informed of this transfer of information by means of this clause. The applicant accepts that he/she may be sent information on any product or service marketed by these companies.
The data processing manager is MoraBanc. The applicant is hereby informed that the rights of access, rectification, suppression or opposition may be exercised in the terms established in current legislation.
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