How is the CASS funded?
The functioning of the system is made possible thanks to contributions jointly provided by employees and employers:
Workers:
- 6.5% of gross salary
- 3% for the general branch (healthcare, temporary benefits)
- 3.5% for the retirement branch
Companies:
- an additional 15.5%
- 7% for the general branch
- 8.5% for the retirement branch
“Employees contribute 6.5% and companies 15.5% of the gross salary. Thanks to this shared effort, CASS can guarantee a sustainable and solidarity-based system.”
This distribution formula ensures that the system remains balanced and that each contribution translates into real services and benefits for residents.
Health coverage and reimbursements
One of the most well-known functions of CASS is health coverage. The reimbursements are competitive and offer peace of mind to insured individuals:
- 75% of expenses for general medical consultations and services.
- 90% of hospitalization expenses.
In certain special cases, such as serious illnesses or long-term treatments, the percentages can be even more advantageous.
This means that, for example, a medical visit costing €100 may result in a final cost of only €25 for the patient, while a hospitalization costing €1,000 is reduced to €100.
Key economic benefits
CASS not only covers healthcare but also offers a wide range of financial benefits that protect residents during crucial times:
- Retirement pensions: ensure income after the active working life.
- Temporary disability benefits: coverage for illnesses or accidents that prevent work for a certain period.
- Permanent disability: a pension adapted to each case when the person cannot return to professional activity.
- Maternity and paternity: financial aid that facilitates work-life balance.
- Widowhood and orphanhood: pensions that support families in times of loss.
This set of benefits makes CASS a comprehensive system that protects residents in all stages and circumstances of life.
International agreements: a global safety net
One of the most interesting aspects of CASS is its collaboration with other European social security systems. Currently, Andorra maintains international agreements with Spain, France, and Portugal, which allow for:
- Combining contribution periods in different countries to calculate retirement.
- Accessing healthcare when an Andorran resident travels temporarily.
- Avoiding duplicate contributions in cross-border work situations.
These agreements are especially valuable for workers who have had professional experience abroad before settling in Andorra, or for companies with teams moving between countries. To manage this process, you can rely on our administrative management service.
Why is CASS important for residents and businesses?
Beyond the legal obligation, CASS offers tangible benefits:
- Financial peace of mind in the face of medical expenses or unforeseen situations.
- Financial support during sick leave or maternity/paternity.
- Long-term sustainability thanks to the solidarity-based distribution system.
- Family protection with widowhood and orphanhood pensions.
For businesses, participating in this system is also a way to ensure employee well-being, which positively impacts productivity and talent retention. You can rely on our Tax Advisory and Accounting Management service to ensure compliance and optimization.
Conclusions
The CASS in Andorra is much more than a monthly contribution: it is an investment in security and quality of life. It offers health coverage, economic benefits, and a pension system that guarantees stability in both the present and the future.
With the support of international agreements, residents in Andorra can rest assured knowing their contributions have recognized value beyond the country’s borders.
