Expatriate insurance in Romania
We've put together some advice to help you prepare for your expatriation to Romania and make the most of your stay.
People move to Romania for several attractive reasons: the cost of living is affordable, economic opportunities, particularly in the technology sector, are growing, and the country offers rich natural beauty. What’s more, its location in Eastern Europe is ideal for exploring the continent and expanding business. The presence of a dynamic expatriate community also makes it easier for newcomers to adapt and integrate.
The private sector of the Romanian healthcare system is expanding, offering high quality but expensive care, attracting both affluent locals and fully insured international patients. Take out international health insurance to avoid the high cost of treatment in Romania!
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
RomaniaGold Expat Access Expatriate Insurance
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 that provides 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?
Choosing health insurance in Romania
For expatriates in Romania, several health insurance options are available to guarantee adequate coverage. Here are the main ones:
- Public health insurance: Romania has a public health insurance system financed by contributions from employees and employers. Expatriates who work and pay contributions in Romania are generally eligible for this scheme, which covers part of their medical, hospital and drug costs.
- Local private health insurance: For those seeking more comprehensive coverage or quicker access to medical services, private health insurance is a popular option. These insurances often offer additional benefits, such as reduced waiting times for consultations and medical procedures, but coverage is limited geographically, and ceilings are often not high enough.
- International health insurance: Particularly well-suited to expatriates who travel frequently or want extensive coverage in several countries, international medical cover can offer protection all over the world, including Romania. It is very flexible and offers special guarantees such as medical repatriation.
Get a free quote for expat insurance in Romania! Contact our advisors and get personalized recommendations and advice based on your situation.
How do I find a job as an expatriate in Romania?
Start by looking for opportunities on websites specializing in jobs for expatriates, such as JobsinBucharest or Europe Language Jobs. Fluency in English is often required, and knowledge of Romanian can be a considerable asset. Sectors such as IT, customer service and foreign language teaching are particularly open to expatriates. Please note that you must have a work permit if you are not an EU citizen. What’s more, you need to be insured to work in Romania. This includes health insurance, which is generally covered by social security contributions deducted directly from wages. For a smooth hiring process, it’s also advisable to familiarize yourself with local cultural practices and specific legal employment requirements.
How do I find accommodation as an expatriate in Romania?
Finding accommodation as an expatriate in Romania requires careful planning and some local knowledge. The range of options is vast, including apartments in the city center and houses on the outskirts. Major cities like Bucharest, Cluj-Napoca and Timișoara offer homes combining historic charm and modernity. Start your search via local real estate platforms, expat forums and agencies dedicated to assisting foreigners. For greater flexibility during your move, short-term rentals can be an interesting option, allowing you to explore different neighborhoods without a long-term commitment.
Rental costs vary widely depending on location and type of accommodation. For example, rents in Bucharest are considerably higher than in small towns or rural areas. Typically, a comfortable two-bedroom apartment can be rented for less than 4600 Leu per month. This amount may seem high, so try to optimize your expenses, in particular by taking out expatriate health insurance, which can represent a significant saving on medical expenses. So, with careful planning, expatriating to Romania can be a rewarding and financially viable experience.
