Compare Health Insurance in Romania

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What is health insurance in Romania?

Private health insurance (asigurare privată de sănătate) in Romania sits on top of the public system. Every employed person already contributes to CNAS, the national health-insurance fund, which entitles them to state hospitals and clinics. A private policy pays for faster access to private clinics, specialist consultations, diagnostics and, in some plans, hospitalisation, letting you skip queues and choose your doctor. Many policies are bought by employers as a staff benefit.

How the Romanian market works

The public pillar is run by Casa Naţională de Asigurări de Sănătate (CNAS) and funded by the CASS health contribution deducted from wages. Private insurers, supervised by the Autoritatea de Supraveghere Financiară (ASF), sell voluntary policies that often route patients to large private hospital chains such as Regina Maria and MedLife. There are two main forms: classic indemnity health insurance from insurers, and subscription-style medical packages sold directly by clinics; the two are sometimes combined.

Benefits

Faster access — private appointments and diagnostics without long public waiting lists.

Choice of clinic — treatment at private networks like Regina Maria or MedLife.

Preventive care — annual check-ups, screenings and analyses are commonly included.

Employer cover — group policies extend affordable protection to whole workforces and sometimes families.

Second-opinion and specialist access — direct booking with specialists and diagnostics without a public referral chain.

How to choose

Decide whether you want outpatient cover (consultations, diagnostics, prevention) only, or a plan that also funds hospitalisation and surgery, since the two differ sharply in price. Check the annual limits, which clinics are in the network, whether pre-existing conditions are excluded, and any waiting periods before you can claim. For families, compare per-member pricing and whether children are covered on favourable terms. If your employer already offers a scheme, check what it includes before buying a personal top-up so you do not pay twice for the same benefit.

Leading providers in Romania

Allianz-Ţiriac, Generali Romania and Groupama Romania are among the leading voluntary health insurers, offering outpatient and hospitalisation plans. On the clinic side, Regina Maria and MedLife sell subscription medical packages and partner with insurers. Employers frequently combine an insurer policy with a clinic subscription so staff get both financial cover and direct access to a private network.

What it costs

Voluntary health premiums in Romania vary widely with age, cover level and whether hospitalisation is included, and are quoted per person after a personalised assessment. Employer group schemes lower the per-head cost significantly. The public CASS contribution is separate and mandatory for the insured. Because pricing is individualised, request a tailored quote rather than relying on a single headline figure, and note that clinic subscription packages are priced separately from insurer policies.

Protections and regulation

Private health insurers are licensed and supervised by ASF, which oversees solvency and fair treatment of policyholders. The public system remains governed by CNAS and the Ministry of Health. Insurance contracts must disclose exclusions, waiting periods and limits clearly. Complaints can be raised with the insurer, then escalated to ASF or, for consumer issues, to ANPC. Buying private cover never removes your statutory CNAS entitlement.

Common questions

Do I still need CNAS? Yes; public insurance is mandatory, and private cover is an add-on, not a replacement.

Are pre-existing conditions covered? Often excluded or subject to waiting periods; check the policy wording.

Can I add my family? Yes; most insurers and clinic subscriptions offer family or dependant options.

Is it the same as a clinic subscription? Not quite; an insurer policy gives financial cover with limits, while a clinic package like Regina Maria or MedLife gives direct access to that network, and the two are often combined.

Health Insurance in Romania — FAQ