Whether you’re an EU or non-EU student, this guide covers everything you need to know about Romanian health insurance for international students.
Why Health Insurance is Important in Romania
Romania offers high-quality medical services, but healthcare is not free for everyone. As an international student, you’ll need health insurance for:
- Residence permit approval
- Access to state and private medical services
- Emergency care and hospitalization
- General practitioner visits, prescriptions, and more
Having the right insurance gives you peace of mind and full access to the Romanian healthcare system.
Public vs. Private Health Insurance
1. Public Health Insurance (Casa Națională de Asigurări de Sănătate – CNAS)
If you’re enrolled in a Romanian accredited university, you may be eligible for coverage through the national health insurance system.
- EU/EEA Students: If you’re from an EU or EEA country, you can use your European Health Insurance Card (EHIC) to access public healthcare services.
- Non-EU Students: If you’re from outside the EU/EEA, you’ll need to enroll in the public health insurance system by registering with CNAS and paying a monthly contribution.
2. Private Health Insurance
Some students opt for private health insurance for faster access, more comprehensive coverage, or services in private clinics and hospitals.
- Offers English-speaking doctors, shorter waiting times, and international coverage (depending on the plan).
- Monthly costs can vary between €10 to €50 or more, depending on age and coverage level.
Popular private providers in Romania include Regina Maria, MedLife, and Signal Iduna.
How to Get Health Insurance in Romania as a Student
Here’s a step-by-step guide to securing your health insurance:
- Confirm your status with your university—many institutions guide students through the registration process.
- EU students should bring their EHIC card.
- Non-EU students must:
- Obtain a proof of university enrollment.
- Apply at your local CNAS office.
- Pay the monthly contribution (approx. 10% of the national minimum wage).
- Receive a certificate of insurance (adeverință de asigurat), which is essential for your residence permit.
What’s Covered by Public Health Insurance?
With public health insurance, you can access:
- General practitioner consultations
- Specialist appointments (with referral)
- Emergency care and ambulance services
- Hospitalization (partially or fully covered)
- Maternity care
- Some dental services
Note: Many services require a referral from a family doctor (medic de familie), so registering with one is highly recommended.
Health Insurance for Residence Permit in Romania
To apply for or renew your Romanian residence permit, you need proof of health insurance.
Documents typically required:
- Proof of enrollment at a Romanian university
- Health insurance certificate (CNAS or private)
- Valid passport or ID
- Rental contract or proof of accommodation
Final Tips for International Students
- Start early: Don’t wait until the last minute to arrange health insurance—it can delay your residence paperwork.
- Keep your documents: Always have a digital and physical copy of your health insurance certificate.
- Check your coverage: Make sure your insurance is valid for the full academic year.
- Learn a few Romanian phrases: Especially medical ones, in case of emergency.
FAQs
Q: Can I use travel insurance instead of Romanian health insurance?
A: Travel insurance is typically not accepted for residence permits. You need Romanian public or private health insurance.
Q: What happens if I don’t have health insurance in Romania?
A: You may face difficulties with visa/residence renewals and risk high out-of-pocket medical costs.
Final Thoughts
Health insurance in Romania isn’t just a bureaucratic formality—it’s your gateway to quality healthcare and a requirement for legal residence. Whether you opt for public insurance through CNAS or a private health plan, make sure you’re fully covered before starting your studies.