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Servei d'Immigració de Govern d'Andorra
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Seguretat Social

Caixa Andorrana de Seguretat Social (CASS)

Mandatory social insurance, healthcare reimbursement, and pension affiliation for residents

Universal Healthcare & Social Security Affiliation

Registration with CASS is legally mandatory for all salaried workers (compte d'altri) and self-employed professionals (compte propi) under the Andorran Immigration Framework.

Mandatory Contribution Rates (22% Total) Regulated by CASS Law
Branch / Concept Employer Share Employee Share Total Contribution Coverage Scope
General Branch (Branca General)
Illness, maternity/paternity, workplace accidents
 7.0% 3.0% 10.0% Covers 75% of outpatient medical care & 90% of hospital costs
Retirement Branch (Branca Vellesa)
Pensions, invalidity & survivors' benefits
 8.5% 3.5% 12.0% Capitalized point-based state retirement pension scheme
Total Standard Contribution 15.5% 6.5% 22.0% Full Statutory Protection
Healthcare Reimbursement Tariffs
Standard Consultations & Specialists 75% Reimbursed
Hospitalisation & Surgical Operations 90% Reimbursed
Work-Related Accidents & Occupational Illness 100% Covered
Non-Affiliated External Providers 33% Reimbursed
Self-Employed (Autònoms) Regulations

Company directors and independent professionals must contribute the full 22% calculated against the official Andorran Average Wage (Salari Medi):

Standard Contribution Base: 100% of the statutory average wage (~€520/month at 22%).
Reduced Quota (Startups / Low Income): Reduced brackets of 25%, 50%, or 75% available during early operations.
Exemption for Passive Residents: Non-lucrative residents do not pay CASS but must hold private health insurance.
CASS Monthly Contribution Estimator
Employee Deduction (6.5%)
€162.50
Employer Cost (15.5%)
€387.50
Estimated Net Salary
€2,337.50