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.
Who qualifies for the Andorra nomad visa
The income bar is what decides most applications, and it is the number people look for first. Here is the current one, with the conditions that come attached to it.
- Income required
- ≈ €4,100/mo (about 3× minimum wage)
- Length of permit
- 24 monthsrenewable
- Who can apply
- Employed remotely, Freelancer, Business owner
No €50,000 deposit (unlike active/passive residence); permits capped at 50/year and approval is discretionary.
What the income bar really means
Two things get people rejected on income even when they earn enough. The first is proving it: consulates want a documented, repeating history, usually bank statements and contracts covering several months, not a screenshot of a good quarter. Irregular freelance income clears the bar on average and fails on paper. The second is dependants, who almost always raise the threshold, and by a percentage of the base figure rather than a flat amount.
Treat the number above as the floor for the paperwork, not as a comfortable income for living there. It is set by the country’s own cost of living or minimum wage, which means it moves, and in several countries it is re-set every year.
Andorra's digital nomad permit is capped at a limited annual quota (commonly cited at around 50 permits per year), making it one of the most volume-restricted remote-work routes in Europe.
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.
How to apply
- Processing time
- The Ministry of Economy pre-approval normally takes up to about 15 working days; total time to the residence permit is not officially published.
- Where to apply
- In Andorra, in two stages: Ministry of Economy pre-approval, then the residence application at the Immigration Department. The programme is widely reported to be capped at 50 permits per year.
- 1
First obtain a favourable resolution from the Ministry of Economy recognising you as a location-independent remote worker. Submit your passport, a sworn declaration, and evidence of your remote work and tools. This pre-approval is mandatory and can be refused.
- 2
With that approval, file the residence application (residence without work authorisation) with the Immigration Department: passport, criminal-record certificate, proof of income of at least three times the Andorran minimum wage, private health and disability insurance, and proof of Andorran housing meeting habitability standards.
- 3
Complete the required medical examination in Andorra and register your address at the local town hall (comu).
- 4
Receive the residence permit, initially valid for two years, and commit to residing in Andorra at least 90 days per calendar year.
Fees and processing times move, sometimes without announcement, and a consulate can add a document the published checklist does not mention. Treat the above as the shape of the process rather than a guarantee, and check the current requirement with the mission handling your application before you book anything.
What policy actually satisfies this visa
Andorra does not publish a minimum figure, which sounds permissive and is not. It means you are judged against somebody's unwritten idea of adequate, and the safe reading of adequate is enough to cover a serious hospital admission in Andorra, not the cheapest policy that technically exists.
A compliant international policy is accepted, so you are not forced into a local insurer. That matters more than it sounds: it means one policy can follow you when you leave, instead of expiring at the border.
Repatriation is not named as a condition, though it is the benefit you would most want to have if the worst happened, and it costs very little to add.
The dates are the other thing that gets applications rejected: full duration of stay
Ask your insurer for a certificate of cover that states your full name as it appears on your passport, the exact policy period, the territory covered, and the benefit amounts. That is a normal request and any decent insurer issues it without fuss. The insurance being real and the paperwork still failing is a more common way to lose an application than being uninsured.
The visa tells you the minimum. It does not tell you what to actually carry. Those are different questions, and the paperwork minimum is nearly always the smaller of the two answers.
Get a policy that satisfies this visa
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