Andorra
Andorra Digital Nomad Visa: health insurance requirements
Yes: health insurance is required
Yes, Andorra has a genuine remote-work residence permit, created under Law 42/2022 and its 2023 regulations, for people who work entirely through telecommunications. It runs two years initially and then renews. Critically, it does not enrol you in the public CASS system, so it requires private health insurance valid in Andorra instead.
The requirements at a glance
| Minimum policy duration | Full duration of stay |
|---|---|
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Proof of private health insurance valid in Andorra (the permit does not enrol you in CASS), submitted with the residence-permit application to the immigration service after favourable resolution from the Ministry of Economy. No fixed minimum coverage sum is published for this permit. |
Income of roughly three times the Andorran minimum wage (commonly cited around 4,100 to 4,400 euros a month, plus more per dependent; confirm the current figure at application), proof of housing in Andorra, and a commitment to be physically present at least 90 days per calendar year. There is a limited annual quota (commonly cited at around 50 permits) and fees of about 2,500 euros to apply plus about 500 euros for the residence card. Nomads are exempt from the large financial-authority deposit required for some other residency routes.
Our take
The defining feature of this permit is that it keeps you out of CASS, Andorra's public social-security system, and makes private health insurance valid in Andorra your entire safety net. There is no published minimum coverage amount, which is a trap: buy comprehensive cover with proper hospitalisation limits, not a thin policy that technically satisfies the box.
Because Andorra has only one hospital and refers serious cases to Spain or France, the single most important clause is cross-border medical transport and treatment, including helicopter evacuation. A policy that only pays inside the principality leaves you exposed exactly when a case is bad enough to be sent over the border.
What happens if you get it wrong
Travel insurance or a thin policy that only covers care inside Andorra. The permit wants genuine private health cover, and the real risk is a transfer to a hospital in Barcelona, Lleida, Toulouse or Montpellier that a Andorra-only policy will not pay for.
Treating the 90-day presence rule as residency-light. You commit to living in Andorra at least 90 days a year, and arrival is only via Schengen France or Spain, so a policy and travel plan that ignore the Schengen entry path can leave gaps in cover or status.
Interactive
Verified pricesWhat would it cost in Andorra without insurance?
You pay, out of pocket
$1,500–$8,000
A serious private admission or common surgery.
Bars to scale. A flight home is in another league.
That is the bill you carry alone. Insurance exists for exactly this.
See what cover costsTypical private-care estimates for illustration, not a quote. Actual bills vary by hospital, city and severity.
FAQ
Yes. Under Law 42/2022 and its 2023 regulations, Andorra issues a residence permit for people who work remotely through telecommunications. It runs two years initially and then renews, and it does not enrol you in the public health system.
Private health insurance valid in Andorra, because the permit does not put you into CASS. There is no published minimum coverage sum for the permit, so choose comprehensive cover that includes hospitalisation and cross-border medical transfer to Spain or France.
Roughly three times the Andorran minimum wage, commonly cited around 4,100 to 4,400 euros a month, with more required per dependent. The exact figure tracks the minimum wage, so confirm the current number when you apply.
Two years initially, then renewable. Expect an application fee around 2,500 euros plus a residence-card fee around 500 euros per person, and note a limited annual quota commonly cited at around 50 permits. Approvals can be slow.
You commit to being physically present at least 90 days per calendar year and to having genuine housing in Andorra. Since the country is reachable only via Schengen France or Spain, plan your entry and your insurance around that route.
Reviewed by Lukas Schönberg, Founder & researcher, Nomad Insurance Broker OÜ
Nomad Insurance Broker OÜ (Estonia) is an information and matching platform, not currently registered as a regulated insurance intermediary in any jurisdiction. See /how-it-works for the full disclosure.
Source: andorrainc.comLast verified
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