Health insurance
Health insurance in Romania
Comprehensive medical cover for people who live or stay long-term in Romania, with proper inpatient/outpatient benefits, not just emergency travel cover.
Romania runs a proper digital nomad visa, launched in 2021, and it sets a clear bar: private health insurance covering at least €30,000 for the whole stay, plus a high income threshold tied to the national average wage. It is an EU member and, since January 2025, a full Schengen country, so the permit doubles as a base for travelling Europe. Care is good and cheap in private city clinics, but the insurance requirement is non-negotiable and worth getting right.
What health insurance covers in Romania
Health insurance is built for long-term residents, slow travelers spending 6+ months in one place, expats. The lines below are the base. Exact terms are carrier-specific, so always check the policy document for the Romania situation you care about.
What you get
- Inpatient hospitalisation, surgery, and ICU
- Outpatient GP visits, specialists, scans, labs
- Prescription drugs
- Maternity and chronic-condition cover (on better plans)
- Mental-health and preventive care (plan-dependent)
What it won't do
- Routine cover in your home country (usually excluded if you're a tax resident)
- Cosmetic procedures
- Pre-existing conditions on day-one of most plans (medical underwriting)
What care costs in Romania
A taste of what health insurance protects you from. The full local cost breakdown lives in the Romania guide.
| Private GP or short consultation | about €20 to €50 |
|---|---|
| Private specialist consultation | about €40 to €80 |
| Outpatient emergency or urgent-care visit | roughly €40 to €120 |
Health insurance in Romania: FAQ
In most cases Romania expects long-stay residents and visa applicants to show proof of health coverage. The specific bar (carrier, sum insured, residency-vs-travel cover) depends on your visa class; the Romania guide covers the country's current visa-and-residency stance.
Premiums vary by age, plan and deductible far more than by country; the underwriting risk is priced, not the postal code. The Romania guide breaks down local treatment costs so you can see what your insurance protects you from, then run a real quote for your own number.
It depends on your situation: how long you're staying, your visa class, your age and health, and whether you want cashless treatment or are fine with reimbursement. Rather than push one plan, we match you against the options that actually fit a stay in Romania: answer a few honest questions and see only what's relevant.
Other insurance for Romania
Different stages of nomad life need different cover. Here's the full set we've mapped for Romania.
Get matched with health insurance for Romania
Three minutes of honest questions, then we'll show you the health insurance options that actually fit your situation in Romania.
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