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Romania, with its blend of modernity and tradition, is attracting more and more expatriates. However, before settling down, it is crucial to understand how the local healthcare system works and what health insurance options are available.
One of the first aspects to consider as an expatriate is subscribing to health insurance. Although Romania has a public healthcare system accessible to everyone, including expatriates working in the country, many opt for private coverage to receive higher quality or faster care.
The Romanian healthcare system is primarily funded by mandatory social contributions paid by employers and employees. This allows access to basic services in public hospitals. However, the public system faces challenges, including long waiting times and a shortage of doctors in certain specialties.
Good to know: As an expatriate, if you are employed by a Romanian company, you are automatically covered by the public insurance system. However, the quality of care may vary depending on the region where you reside.
The question often arises: should you opt for local or international insurance? Both options have their advantages, but it mainly depends on your personal needs and situation.
Local health insurance: Some local companies offer quite comprehensive packages, with premiums that are more affordable than international insurance. These insurances generally cover consultations, dental care, and hospitalizations in private facilities.
International health insurance: Ideal for those who travel regularly or want to receive care in different countries. Expatriates often choose international insurance to avoid geographical limitations and to benefit from higher reimbursements for private care in Romania.
Good to know: International insurance is also an excellent option if you wish to be treated in other European countries, as it offers broader coverage than local insurance.
Many private clinics and health centers in Romania are known for offering quality services and meeting the specific needs of expatriates. Some clinics are particularly focused on the international community, with staff who speak English or other foreign languages, making communication and care easier.
You have the choice between public and private hospitals. Expatriates often prefer private hospitals for the quality of their services, although they can be more expensive without adequate insurance.
Public hospitals: Accessible to all, care is free for residents, but they are often overcrowded and have limited resources.
Private hospitals: More modern, these facilities offer higher quality services without the long waiting times of public hospitals. However, they are quite expensive without suitable health insurance.
Good to know: Before visiting a private facility, make sure your insurance covers the costs at that hospital to avoid unexpected expenses.
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