Expatriate health insurance in Romania | Mondassur
Do you want to move to Romania? Do you already live in Romania? Think about your expatriate health insurance in Romania with Mondassur!
There are a number of reasons why expats choose Romania: the cost of living is affordable, there are economic opportunities, and the country also offers a wealth of natural beauty. What’s more, its geographical position in Eastern Europe is ideal for exploring the continent and expanding business. The adaptation and integration of newcomers is also driving more and more expatriates to this Eastern European country.
Whether in bustling cities like Bucharest and Cluj-Napoca, or in picturesque rural areas, Romania offers a unique and rewarding living experience. Expatriates can take advantage of an affordable cost of living, numerous professional opportunities and a high quality of life.
Expatriate insurance Romania Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Romania.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Romania Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Romania Gold Expat Safe
Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Romania Gold Expat Premium
Our most comprehensive expatriate health insurance plan in Romania.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
A few figures on health insurance in Romania
| Public hospitals | 367 |
| Private hospitals | 209 |
| Number of doctors per 1,000 inhabitants | 3,5 |
Romania’s healthcare system is made up of a significant number of public and private hospitals. This gives expatriates a wide range of choices. As a result, access to healthcare is relatively good in Romania. However, the quality and speed of medical services vary considerably between public and private establishments. This is the case for many expatriates in Europe. We recommend taking out expatriate health insurance in Romania to ensure you have rapid access to quality healthcare.
Functioning of the health system in Romania :
The health system in Romania is structured around two main pillars: social security (CNAS) and private health insurance. Each segment offers different levels of cover and services, tailored to different needs and situations. Understanding how these two systems work is crucial if you are to benefit from the best possible care in Romania.
How does social security work?
Public health insurance
All residents, including expatriates working in Romania, are eligible for public health cover. The public system covers a wide range of essential medical services, including consultations, hospitalisation and prescriptions. Contributions for this cover are deducted directly from employees’ salaries. Expatriates can benefit if they are legally employed in Romania or permanently resident. This system gives most residents access to basic healthcare at a lower cost. However, although medical expenses are reimbursed, waiting times for certain specialities can be long. In addition, medical equipment is not always state-of-the-art, which can have an impact on the effectiveness of treatment.
If you need urgent or specialist care, the public system may not always meet expatriates’ expectations. Mondassur therefore advises you to take out private health insurance.
Private health insurance
Private health insurance in Romania offers a faster and often better-quality alternative to public services. This type of insurance is particularly advantageous for expatriates wishing to avoid long queues and obtain direct access to specialists. Our policies vary according to age, medical history and the level of cover chosen. Mondassur offers shorter processing times and a wide range of services. This includes dental care, personal protection and access to high-quality private care facilities, for example. You can take out this insurance to benefit from more comprehensive and flexible cover. Our insurance policies are tailored to your specific needs. By choosing our expatriate health insurance in Romania, you can give yourself peace of mind about your health. The same applies to virtually all countries in the Schengen Area.
Does French Social Security reimburse healthcare costs in Romania?
French Social Security provides cover for treatment received in Romania under certain specific conditions. French expatriates in Romania can benefit from partial reimbursement of healthcare costs incurred abroad. To do so, they must be affiliated to the French Social Security system. To do this, it is essential to present a European Health Insurance Card (EHIC), which facilitates access to necessary care during a temporary stay. However, this card does not cover everything. Reimbursements are based on the rates in force in France, which are often lower than the actual cost of treatment in Romania. International health insurance can therefore be an effective complement to this cover. Mondassur covers the costs not reimbursed by French Social Security (depending on the package you choose), guaranteeing optimum protection.
Emergency numbers in Romania
To ensure your safety in Romania, it is vital to know the emergency numbers. The general emergency number is 112. It can be used to contact the police, fire brigade and ambulance services. In the event of a medical emergency, this number will put you in direct contact with the appropriate services.
It is also useful to know the specific numbers of hospitals and clinics close to where you live. Keep these numbers to hand and make sure everyone in your family knows them. Good preparation can make all the difference in an emergen
The cost of health services in Romania
The cost of health services in Romania varies considerably between the public and private sectors.
- A standard consultation with a doctor in a public institution can cost between 50 and 100 lei (around €10 to €20). In a private clinic, on the other hand, prices can range from 150 to 300 lei (around €30 to €60).
- Prescriptions are generally required to buy medicines, the prices of which may vary depending on the pharmacy.
- The costs of hospitalisation in public hospitals are often covered by the public insurance system for residents. However, additional charges may apply for certain services.In the private sector, hospitalisation can cost between 1,500 and 5,000 lei per day (around €300 to €1,000 per day).
- Giving birth in a private clinic can cost between 5,000 and 10,000 lei (around €1,000 to €2,000).
- Dental and optical care are also more expensive in the private sector, but the quality of care is higher.
Expatriate health insurance in Romania can help you manage these costs, offering reimbursements and extensive cover. You can celebrate Halloween with a visit to Dracula’s castle !
Repatriation insurance for Romania
Repatriation insurance is a crucial element for expatriates in Romania. It comes into play in the event of a serious health problem or accident requiring an emergency return to your country of origin. Repatriation insurance covers the cost of medical transport and the necessary accompaniment. Without this cover, repatriation costs can be prohibitive, reaching several thousand euros.Mondassur offers repatriation insurance tailored to the needs of expatriates.You can be sure of peace of mind for you and your family. By taking out repatriation insurance, you can be sure of receiving the care you need in the best possible conditions, wherever you are.
Choose Mondassur for your expatriate health insurance in Romania!
Why take out expatriate insurance?
Taking out expatriate insurance is essential for anyone moving to Romania. This specific cover allows you to guarantee access to quality care and avoid unforeseen medical expenses. In Romania, although the public health system offers basic cover, it often has limitations in terms of quality and speed of treatment. Expatriate insurance in Romania gives you rapid access to private healthcare establishments where the quality of service is superior and waiting times are reduced. What’s more, Mondassur gives you peace of mind by covering not only consultations and hospitalisation, but also additional services such as repatriation.By choosing expatriate insurance, you protect yourself against the unexpected and benefit from ongoing support during your stay in Romania.
When considering moving to Romania, it’s important to find out about the illnesses and infections that are common in the country. Here are some of the illnesses to which you could be exposed:
- Seasonal influenza
- Respiratory infections
- Gastroenteritis
- Hepatitis A and B
- Typhoid fever
- Rabies
- Tuberculosis
To minimise these risks, consult a doctor before you leave to ensure that your vaccinations are up to date and to obtain advice on preventive measures to take. Taking out expatriate health insurance can also provide protection against the unexpected costs of treating these illnesses, giving you peace of mind during your stay in Romania.
Quick and easy subscription
Taking out expatriate insurance with Mondassur is a quick and easy process, designed to make life easier for expatriates. Our intuitive online platform lets you compare different cover options according to your specific needs and budget. In just a few clicks, you can obtain a personalised quote, choose the plan that suits you best and finalise your subscription. Our team of brokers are also available to guide you through the process. They will answer all your questions and help you to understand the different cover options available.Whether you want to take out europe access insurance or expatriate insurance for the 1st euro, our teams will guide you towards the insurance that’s right for you. Once you’ve subscribed, you’ll immediately receive your insurance certificate, so you can travel with complete peace of mind. At Mondassur, we’re committed to making the application process as smooth and quick as possible, so that you can concentrate on your new life in Romania.
A wide choice of guarantees
Mondassur offers a wide range of plans to meet the diverse needs of expatriates in Romania.Our insurance plans include comprehensive cover for medical consultations, hospitalisation, dental and optical care. In addition, our insurance plans include repatriation cover and 24/7 assistance. You can personalise your plan by adding specific options to suit your needs. Additional cover is also available to suit your needs. For example, we offer provident cover, higher levels of health cover and third-party liability. So you can be sure of optimum protection. At Mondassur, we understand that every expatriate has unique needs, and we strive to provide flexible and comprehensive solutions to ensure your well-being in Romania.
A wide choice of guarantees
Other insurance policies for Romania
For complete peace of mind during your trip to Romania, we recommend our other insurance products tailored to your specific needs:
- Travel insurance Romania, for those who want to travel without pressure.
- Student insurance Romania, for successful studies without worrying about your health.
For an overview of all our offers in Romania, including our expatriate health insurance, please visit our dedicated Romania health insurance page. Our insurance policies are designed to give you peace of mind and security, by meeting all your specific health and travel needs.
