Romania
Romania Digital Nomad Visa: health insurance requirements
Yes: health insurance is required
Romania's digital nomad visa, launched in 2021, lets non-EU nationals who work remotely for companies or clients outside Romania live there legally. It carries a high income bar (about three times the national average gross salary) and a mandatory €30,000 private health insurance policy for the entire stay. The long-stay visa converts to a residence permit renewable to roughly three years, and since January 2025 Romania is a full Schengen member.
The requirements at a glance
| Minimum coverage | €30,000 |
|---|---|
| Repatriation required | Not required |
| Minimum policy duration | Full duration of stay |
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Private health insurance policy document valid throughout Romania for the full stay, showing coverage of at least €30,000; ordinary travel insurance is not accepted. |
Income of at least three times the Romanian average gross monthly salary for the six months before applying and throughout the stay (recently roughly €4,000-€5,600/month as the average wage rises). Applicant must work for a company or clients based outside Romania. Also requires a valid passport, accommodation proof, and a clean criminal record certificate. The visa leads to a residence permit renewable to a total of around three years.
Our take
The €30,000 minimum is the EU-standard floor and is genuinely enforced: this is a long-stay health insurance requirement, not a cheap travel policy, so buy a proper nomad or expat health plan that names Romania and runs for the whole permit period. Confirm the wording meets the Ministry of Foreign Affairs figure before you submit.
Because Romania is now full Schengen, a policy valid across the Schengen area is sensible so a single plan covers both your Romanian base and your 90-day trips elsewhere in Europe. Repatriation cover is not explicitly mandated but is worth having, since getting home for serious treatment is the realistic large cost.
What happens if you get it wrong
A travel-insurance certificate instead of a health insurance policy. Consulates distinguish between the two, and a short-term travel plan will usually be rejected even if its coverage figure looks high enough.
A policy that lapses before the permit ends or does not clearly state Romania-wide validity and the €30,000 coverage. The cover must span the full stay, so a 12-month plan against a longer permit, or one with gaps, can sink the application or a renewal.
Interactive
Verified pricesWhat would it cost in Romania without insurance?
You pay, out of pocket
$1,500–$7,000
A serious private admission or common surgery.
Bars to scale. A flight home is in another league.
That is the bill you carry alone. Insurance exists for exactly this.
See what cover costsTypical private-care estimates for illustration, not a quote. Actual bills vary by hospital, city and severity.
FAQ
Yes. You must hold a private health insurance policy valid for the entire stay covering at least €30,000 in medical costs, a figure set out in the Ministry of Foreign Affairs visa documentation.
No. Authorities expect long-term private health insurance, not a short-stay travel policy, even if the travel policy's coverage limit appears high. Buy a health plan that names Romania and the full permit period.
At least three times the Romanian average gross monthly salary for the six months before applying and during your stay. As the average wage has risen this has worked out to roughly €4,000 to €5,600 a month, so verify the current figure with the consulate.
The long-stay visa is the entry document; on arrival you apply for a residence permit, which is renewable to a total of around three years provided you keep meeting the income and insurance conditions.
Yes. Romania became a full Schengen member in January 2025, so a Romanian residence permit lets you travel within the Schengen area for up to 90 days in any 180-day period.
Reviewed by Lukas Schönberg, Founder & researcher, Nomad Insurance Broker OÜ
Nomad Insurance Broker OÜ (Estonia) is an information and matching platform, not currently registered as a regulated insurance intermediary in any jurisdiction. See /how-it-works for the full disclosure.
Source: romaniaexperience.comLast verified
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