Romania has a mixed public-private healthcare system, with mandatory contributions to the state health insurance system for all residents. Expats living in Romania can also benefit from international private medical insurance, which offers additional coverage and flexibility. This article will cover the following topics related to health insurance in Romania:
- Is health insurance mandatory in Romania?
- How does the state health insurance system work in Romania? What does it cover?
- How do you apply to join the state health insurance system in Romania (provide answer in numbered steps)?
- What are the advantages of international private medical insurance for expats living in Romania?
Health Insurance Requirements in Romania
Health insurance is mandatory for all residents in Romania. The state health insurance system is funded by contributions from employees, employers, and the government. These contributions are based on a percentage of income, with employees and employers each contributing 10% of gross income and the government contributing the rest.
State Health Insurance System in Romania
The state health insurance system in Romania provides access to a range of medical services, including consultations with general practitioners and specialists, diagnostic tests, hospitalization, and prescription medication. Some medical services are not covered by the state health insurance system, such as dental care and cosmetic surgery.
Patients can access medical care at public hospitals and clinics, as well as private healthcare facilities that have agreements with the state health insurance system. Patients can choose their preferred healthcare provider, although there may be some restrictions depending on the type of medical service needed.
Applying for State Health Insurance System in Romania
To join the state health insurance system in Romania, follow these steps:
- Register with the Romanian tax authorities to obtain a Personal Identification Number (CNP).
- Obtain a health insurance card (card de sanatate) from the National Health Insurance House (Casa Na_ional_ de Asigur_ri de S_n_tate).
- Choose a general practitioner (medic de familie) who will be your primary healthcare provider.
- Make an appointment with your chosen general practitioner to register with them and receive a medical history evaluation.
After completing these steps, you will be registered with the state health insurance system and can access medical care at public hospitals and clinics, as well as private healthcare facilities that have agreements with the state health insurance system.
Advantages of Private Medical Insurance in Romania
Expats living in Romania may also benefit from international private medical insurance, which can provide additional coverage and flexibility beyond what is offered by the state health insurance system. Some advantages of international private medical insurance for expats in Romania include:
- Coverage for medical services that are not covered by the state health insurance system, such as dental care and cosmetic surgery.
- Access to private healthcare facilities and specialists, with shorter wait times and more personalized care.
- Coverage for medical services received outside of Romania, including emergency medical care while traveling.
- More extensive coverage for pre-existing medical conditions.
- Flexibility to choose the level of coverage and benefits that best fit individual needs and budgets.
It’s important to note that international private medical insurance can be more expensive than the mandatory contributions to the state health insurance system, but it can provide additional peace of mind and security for expats living in Romania.
Conclusion
In conclusion, while health insurance is mandatory in Romania for legal residents, expats may still find it advantageous to have additional coverage through an international private medical insurance plan. By understanding the state healthcare system, how to apply for coverage, and the benefits of private insurance, expats can make informed decisions about their healthcare needs while living in Romania.
