What Caixa Andorrana de Seguretat Social (CASS) does

Caixa Andorrana de Seguretat Social (CASS) is the statutory social security administrator of the Principality of Andorra, operating as a parapublic entity (entitat parapública) under government oversight since its founding in 1968. Headquartered at C/ Joan Maragall, 3 in Andorra la Vella and employing 63 staff, CASS administers universal mandatory social security coverage for all Andorran residents across five insured categories: salaried workers and assimilated employees, self-employed workers, domestic employers, indirectly insured dependents, and pensioners. The institution manages healthcare reimbursements, retirement pensions, disability benefits, unemployment support, maternity/paternity benefits, work accident coverage, and survivor benefits under both general and retirement branches.

CASS's operational technology is conventional and administrative in nature. The core platform is the CASS Online private area (Àrea Privada), a web-based self-service portal accessible to insured persons, alongside a separate employer portal (online.cass.ad) for contribution declarations and employee affiliations. The May 2026 launch of the Certificat Digital CASS introduced secure electronic authentication for digital procedures. Employer data submission is handled via XML file uploads through digital certificate authentication. No proprietary technology, AI/ML capabilities, or public API is disclosed. The technology stack includes Google Analytics, Piwik, and Vimeo integrations for web analytics and media delivery.

CASS operates as a public, non-commercial revenue model funded by mandatory statutory contributions rather than market pricing. The total contribution rate is 22% of gross salary: 6.5% from employees (3% general branch + 3.5% retirement branch) and 15.5% from employers (7% general branch + 8.5% retirement branch). Contributions are declared monthly and paid by the 15th of the following month. Retirees still working contribute at a reduced 10% rate applicable only to the general branch. A separate subsidiary, the Fons de Reserva de Jubilació, manages the pension reserve fund. International coverage is delivered through healthcare provider conventions in Catalonia, France, and Portugal, plus bilateral agreements with convention countries for displaced persons. Revenue figures are not publicly disclosed, but the customer base is structurally diversified across the entire Andorran employed population.

Name

Caixa Andorrana de Seguretat Social (CASS)

Legal name

Caixa Andorrana de Seguretat Social

Website

https://cass.ad

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Caixa Andorrana de Seguretat Social (CASS) is Andorra's statutory social security administrator, providing mandatory universal coverage to all residents across healthcare, retirement, disability, unemployment, and family benefits via a 22% employer-employee contribution model.

Ownership category

akta.pro rank

Product category

Public Social Security Administration

NAICS

Pension Funds (525110), Health and Welfare Funds (525120), Executive, Legislative, and Other General Government Support (921)

SIC

Services-Social Services (8300)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industries

Taft-Hartley / Labor Union & Public Sector Retirement Systems (FSAAAGAK), Family & Child Benefits Administration (Child Allowance, Parental Leave) (BPAIAKAD)

Keywords

• Social security administration
• Public health insurance
• Retirement pensions
• Statutory contributions
• Social benefits management

Headquarters

HQ city

Andorra la Vella

HQ country

Andorra

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Social Security Contributions - Salaried Employees: Mandatory contributions collected from salaried workers and their employers. Employee portion is 6.5% (3% general branch + 3.5% retirement branch) and employer portion is 15.5% (7% general branch + 8.5% retirement branch), totaling 22% of gross salary. Contributions are declared monthly and paid by the 15th of each month following the due month.
2. Self-Employment Contributions: Self-employed workers make contributions to the social security system under special regimes, with rates and requirements specific to their professional activity category.
3. Domestic Employer Contributions: Household employers (titulars de la llar familiar) who employ domestic workers are required to register with CASS and make social security contributions on behalf of their employees.
4. Retirement Pension Fund: The pension reserve fund (Fons de reserva de jubilació) manages retirement savings accumulated through contributions. Actuarial studies are conducted regularly to assess the long-term sustainability of the retirement branch.

Pricing tiers

Distribution channels5 records

Marketing channels6 records

Core offering

CASS is the mandatory public social security institution of the Principality of Andorra, administering universal social security coverage including healthcare reimbursements, retirement pensions, disability benefits, unemployment benefits, maternity/paternity benefits, work accident coverage, and survivor benefits. The institution collects statutory contributions from salaried workers, employers, self-employed workers, and domestic employers, and manages the Fons de Reserva de Jubilació (retirement reserve fund) for long-term pension sustainability.

Product overview

CASS operates as a unified social security administration platform offering integrated digital services for Andorra's population. The core offering consists of the CASS Online private portal for insured individuals and a separate employer portal, supported by a digital certificate system for secure authentication. Service delivery includes healthcare card management, prior appointment scheduling, and reimbursement processing for medical expenses. The platform also provides supplementary tools including statistical reports, actuarial studies, and downloadable forms. The system operates as a web-based portal with no mobile application, enabling access to retirement pension calculations, disability benefits, maternity/paternity provisions, work accident coverage, and international healthcare coordination through agreements with Spain, France, and Portugal.

Differentiator

Problem solved

Functional benefit

Products and services

• CASS Online (Àrea Privada)

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• MGEN (Mutuelle Générale de l'Éducation Nationale)minorOthers · 1 July 2026MGEN was a complementary health insurance provider for CASS insured persons. The partnership provided automatic data transmission for processing complementary health reimbursements. The automatic data transmission agreement ended on July 1, 2026 at MGEN's request. CASS informed insured persons about this change affecting complementary insurance reimbursements.
• Healthcare Providers in Catalonia (Spain)coreTechnology or IntegrationConventioned healthcare centers and doctors in Catalonia, Spain. CASS has agreements with healthcare providers in neighboring Spain to provide services to Andorran insured persons when receiving care outside Andorra, particularly in the Catalonia region.
• Healthcare Providers in FrancecoreTechnology or IntegrationConventioned healthcare centers and doctors in France. CASS has agreements with healthcare providers in neighboring France to provide services to Andorran insured persons when receiving care outside Andorra, particularly in the France region.
• Professional Healthcare Colleges (Col·legis Professionals)coreStrategic or Co-development PartnerCASS negotiates and establishes conventions (agreements) with various professional colleges representing healthcare professionals in Andorra. These conventions define tariffs, quality standards, and conditions for healthcare service delivery. If CASS and a professional college cannot reach agreement, CASS may establish individual conventions with specific providers.
• Convention Countries (Països de Conveni)coreStrategic or Co-development PartnerInternational agreements with specific countries for healthcare coverage during displacement. CASS provides coverage for displaced persons from convention countries to Andorra and coverage for Andorran residents abroad. Emergency medical coverage available in Spain, France, and Portugal.
• Fons de Reserva de Jubilació (Pension Reserve Fund)coreOthersSeparate legal entity managing the retirement reserve fund. CASS collaborates with the fund for long-term retirement pension management and sustainability. The fund has its own website at fonsdereserva.ad.
• Defensor/a de l'afiliat/da (Ombudsman)minorOthersIndependent ombudsman service for CASS insured persons to address grievances and complaints. Provides additional layer of accountability and dispute resolution for members.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• INPS (Istituto Nazionale della Previdenza Sociale): Italy's national social security institution managing pensions, unemployment, and welfare contributions for Italian workers. Comparable to CASS as a compulsory contributory social security administrator with a long-running pension branch and actuarial oversight function.
• Social Security Administration (SSA): United States federal agency administering retirement, disability, and survivors insurance. Comparable to CASS in administering defined-benefit contributory pensions via statutory authority, though operating at massive scale with a different funding structure.
• Sécurité Sociale (France): France's national social security system encompassing health, family, retirement, and workplace accident branches. Comparable to CASS in scope and statutory mandate, though operating at vastly larger scale; CASS holds convention agreements with French provider networks.

Emerging players

• MGEN (Mutuelle Générale de l'Éducation Nationale): Major French mutual health insurer that previously maintained an automatic data-transmission agreement with CASS for complementary insurance reimbursements (ended July 2026). Relevant as a former complementary-insurance counterpart within the Andorran social security ecosystem.

Regional players

• Servei Andorrà d'Atenció Sanitària (SAAS): Andorra's public healthcare service provider that delivers hospital and ambulatory care that CASS reimburses or coordinates through conventioned arrangements. A natural in-country counterpart whose tariffs and service delivery quality directly shape CASS's benefit outlays.

Direct peers

• Instituto da Segurança Social (ISS): Portugal's social security institute administering contributory schemes for old age, disability, unemployment, and family benefits. Comparable to CASS as a national mandatory social security provider with a defined-benefit pension branch and cross-border healthcare arrangements.
• Instituto Nacional de la Seguridad Social (INSS): Spain's national social security administration managing contributory pensions, healthcare coordination, and benefits for Spanish workers. Directly comparable to CASS as a public-sector institution administering mandatory contributions, retirement pensions, and healthcare reimbursements under statutory authority.

Others

• CASS Paris Centre (Île-de-France): Note: omitted to avoid duplication — listed only as illustrative of regional social-security agency structures; not a confirmed entity-level peer of Andorran CASS. Excluded from final list.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/caixa-andorrana-de-seguretat-social-cass

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caixa Andorrana de Seguretat Social (CASS)