Health Insurance Romania
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Romania Private Health Insurance Calculator

Estimate your private health plan premium from Regina Maria, MedLife and Medicover. Supplements mandatory CNAS public cover — fast access to specialists in 1–3 days. No account, no personal data.

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CNAS (public cover) reminder

Every employee and self-employed person in Romania pays a mandatory CNAS health contribution (10% of gross salary, paid by the employee; employer pays an additional levy). CNAS covers public hospitals, GP visits and subsidised medications. However, waiting times for specialist appointments can exceed 3–12 months, and hospital conditions vary widely. Private health plans provide fast access to Regina Maria, MedLife and Medicover networks — typically 1–3 working days for most specialties.

Your situation

Standard – full specialist + diagnostics

Estimated annual premium

Calculation breakdown

+Base plan feeRON 2,900
+Age factor×1.00
+Region loading×1.00
+Plan type×1.00
Annual premium (individual plan)RON 2,900
Annual premiumRON 2,350 – RON 3,600 / yrabout RON 250 / mo

Compare: Regina Maria, MedLife, Medicover Romania, Sanador, Signal Iduna

Indicative 2024 market data — not a binding offer. Employer group plans are typically 20–30% cheaper. CNAS public cover is separate and funded via salary contributions.

How Romanian private health plan costs have moved
Average individual private health plan — Romania (RON/year, standard plan, adult 30–39)▲ 214% since 2016
RON 500RON 1.0kRON 1.5kRON 2.0kRON 2.5kRON 3.0k20162018202020222024

Indicative averages for a standard individual plan (GP + full specialist access, without dental). Sources: Regina Maria, MedLife, Medicover Romania published pricing, ASF market data. Costs have risen sharply since 2021 due to healthcare wage increases, expanded plan scope following COVID-driven demand for private care, and general inflation. Bucharest-area plans cost 25–30% more than equivalent plans in smaller cities.

CNAS vs. private health plans in Romania

Romania operates a mandatory social health insurance system via CNAS (Casa Națională de Asigurări de Sănătate). Every employee pays a 10% health contribution (deducted from gross salary), plus the employer pays additional levies. This funds public hospital care, GP consultations, specialist referrals, and subsidised medications.

In practice, the public system suffers from long specialist waiting times (3–12+ months in many counties), varying hospital conditions, informal payments (plăți informale) that remain common in some facilities, and limited continuity of care. Private health plans address these gaps.

The Romanian private health market

Regina Maria
The largest private healthcare network in Romania by clinic count (~350 clinics and hospitals across the country). Founded in Bucharest, now present in all major cities. Known for comprehensive maternity services, oncology, and a broad specialist panel. Regina Maria operates its own hospitals in Bucharest, Cluj-Napoca and Iași.
MedLife
The second-largest network (~250 locations), listed on the Bucharest Stock Exchange (BSE). Strong across general specialist care and has invested significantly in laboratory and imaging infrastructure. Presence in most county seats.
Medicover Romania
Part of the international Medicover Group, with a strong presence in Bucharest and major cities. The subscription model mirrors its approach in Poland — monthly flat fee for access to the clinic network.
Sanador
Bucharest-based private hospital group with a strong reputation for surgical services and high-complexity care. Available as a network destination for some private insurance plans.

Frequently asked questions

Is this calculator free?
Yes — completely free, no account needed. Nothing you enter is saved.
Does private health insurance exempt me from CNAS contributions?
No. CNAS contributions are mandatory regardless of private health cover — they are a social insurance levy, not an optional insurance premium. Private health plans are additional to, not a replacement for, the CNAS system.
Can expats access Romanian private health plans?
Yes — private health plans in Romania are available to expats with valid residence status. EU/EEA citizens and those with a Romanian tax identification number (CNP or CIF) can typically enroll. Some providers offer international plans for expats with coverage extending beyond Romania.