Andorra's CASS Medical Coverage Costs Surge 11% to €6.32M Despite Flat Beneficiaries

The CASS, Andorra's social security provider, saw expenses for full medical coverage benefits rise sharply by 11% in the first nine months of 2025, reaching €6.32 million despite only a modest 1% increase in beneficiaries.

Data from the CASS's budget settlement as of 30 September shows 5,864 active full-coverage claims in place, up slightly from 5,804 a year earlier. This marks a slowdown from prior growth trends, with 5,426 claims in 2022 and 5,631 in 2023. The uptick aligns broadly with a rise in insured individuals, including salaried workers and the self-employed.

Costs per beneficiary climbed accordingly, from an average of €959.70 to €1,065.10 over the January-to-September period, compared to €5.66 million spent in the same months of 2024.

The most common reason for claims remains insufficient economic resources, cited by 1,303 users—a slight drop from 1,444 the previous year. Other categories saw gains: 1,000 claims linked to high treatment costs or automatically covered illnesses, up from prior levels, and 1,008 for disability cases.

Nearly one-third of the total expenditure, or €1.94 million, covered high-cost treatments. Disability-related benefits accounted for €1.383 million next. For the 947 recipients under the solidarity pension scheme, spending totaled €953,453, while €812,730 went to those proving inadequate personal funds.