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Bupa Global, Allianz Care, NOW Health International, IMG Global, AXA, HealthCare International Group, DavidShield, GeoBlue, April International, VUMI, MSH International, and Cigna Global are the top 12 insurance companies catering to the needs of expats in Romania.
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How can you get suitable health insurance as an expat in Romania? What coverage options are essential for expats? What are the costs associated with different insurance plans? In this Pacific Prime article, we’ll provide answers to these questions and more.
The insurers featured in this article are listed without any particular order, but they share a common goal: to provide comprehensive protection and good value for money. In this article, we’ll take a close look at these insurance options to help you make an informed decision.
Bupa Global for Expats in Romania
Bupa Global offers health insurance plans for expats in Romania, featuring direct billing options, a vast network of healthcare providers, 24/7 medical assistance through Global Virtual Care, and lifetime renewal, which allows expats to maintain their coverage without interruption.
The flexibility in plan options caters to various healthcare needs, from essential medical expenses to comprehensive wellness coverage.
| Plan Name | Annual Benefit Limit (USD) | Key Features |
| Major Medical | Up to $3,174,200 | Emergency coverage, worldwide access |
| Select | Up to $1,587,100 | Regional coverage, outpatient prescriptions |
| Premier | Up to $2,380,600 | Comprehensive coverage, dental and optical options |
| Elite | Up to $4,764,300 | Most extensive coverage, includes maternity care |
Allianz Care for Expats in Romania
Allianz Care offers health insurance plans for expats in Romania, featuring efficient claims processing, extensive coverage options, and programs designed specifically for expats, such as the Expat Assistance Program and MyHealth Digital Services, for seamless management of health needs.
With a robust network of over 1.9 million healthcare providers globally, expats can receive timely treatment and support. Allianz’s plans provide expats with essential health coverage, including inpatient and outpatient treatments, medical evacuation, and rehabilitation services.
| Plan Name | Maximum Plan Limit (USD) | Type of Room | Inpatient Coverage | Emergency Dental (USD) | Preventive Surgery (USD) |
| Care Plan | $2,500,000 | Semi-Private | Yes | Nil | Nil |
| Care Plus Plan | $4,000,000 | Private | Yes | $400 | Nil |
| Care Pro Plan | $5,000,000 | Private | Yes | $1,015 | $40,500 |
NOW Health International for Expats in Romania
NOW Health International offers health insurance plans for expats in Romania, with a focus on customer service and a vast network of medical providers. Plans are customizable, providing options for coverage that includes or excludes the United States.
| Plan Name | Annual Benefit Limit (USD) | Inpatient Care | Outpatient Care | Maternity Coverage | Dental Coverage |
| SimpleCare Core | $1,000,000 | Limits Apply | Not Covered | Not Covered | Not Covered |
| SimpleCare 100 | $1,500,000 | Limits Apply | Subject to Limits | Not Covered | Not Covered |
| SimpleCare 250 | $1,500,000 | Covered | Covered | Not Covered | Subject to Limits |
| WorldCare Essential | $3,000,000 | Covered | Subject to Limits | Not Covered | Optional |
| WorldCare Apex | $4,500,000 | Covered | Covered | Included | Included |
IMG Global for Expats in Romania
IMG Global provides health insurance solutions designed for expats in Romania. The plans feature customizable options, extensive around-the-clock member support, emergency medical evacuation, and prescription drug coverage.
| Plan Type | Lifetime Limit (USD) | Emergency Medical Evacuation (USD) | Prescription Drug Coverage |
| Bronze | $1,000,000 | Up to $50,000 | Available for 90 days post-treatment |
| Silver | $5,000,000 | Up to $50,000 | Available for 90 days post-treatment |
| Gold | $5,000,000 | Up to lifetime maximum | Available for 90 days post-treatment |
| Platinum | $8,000,000 | Up to lifetime maximum | Copay for prescriptions available |
AXA for Expats in Romania
AXA offers international health insurance plans for expats in Romania. Highlights include 24/7 personal support, online access to policy details, and a virtual doctor service, which allows members to consult with medical professionals from anywhere in the world.
| Plan | Annual Benefit Limit (USD) | Key Features |
| Foundation | $160,000 | Inpatient care, emergency services, medical evacuation |
| Standard | $1,600,000 | Includes Foundation benefits plus dental care |
| Comprehensive | $2,400,000 | Adds outpatient, chronic conditions, and vision care |
| Prestige | $3,200,000 | Incorporates maternity care and annual health checks |
| Prestige Plus | $8,000,000 | Most extensive coverage, including all previous benefits |
HealthCare International Group for Expats in Romania
HealthCare International Group (HCI) offers health insurance plans for expats in Romania, with a commitment to exceptional customer service and key features including extensive inpatient and outpatient benefits, customizable options, and access to a convenient online member portal.
| Plan Type | Inpatient Coverage | Cancer Care | Outpatient Coverage | Maternity Coverage | Annual Limit Options (USD) |
| Protector | Covered | Covered | Varies by plan category | Partially Covered | Up to $3,000,000 |
| NIMBL Health | Covered | Covered | Customizable options | Available for Group Plans | Up to $3,000,000 |
| Integra Global | Covered | Partially Covered | Varies by plan | Partially Covered | Up to $2,000,000 |
| MarineSure Health | Inpatient & Outpatient | Covered | Extensive options | Included based on policy | Up to $2,000,000 |
DavidShield for Expats in Romania
DavidShield offers health insurance plans for expats in Romania. With 24/7 customer support and the innovative DavidCard, members can conveniently pay for medical services directly at healthcare providers without the hassle of out-of-pocket expenses or lengthy claims processes.
| Plan Name | Coverage Area | Annual Limit | Key Features |
| Worldwide Excluding USA | Global (excluding USA) | Up to EUR €2,000,000 (USD $2,330,400) | Extensive medical coverage, free choice of providers |
| USA & Worldwide | Global (including USA) | Up to EUR €5,000,000 (USD $5,826,000) | Access to UnitedHealthcare network, copay options |
| Corporate Plans | Global | Customizable | Tailored plans for organizations, dedicated service support |
GeoBlue for Expats in Romania
GeoBlue offers health insurance plans for expats in Romania. Key benefits include inpatient care, outpatient visits, emergency services, 24/7 medical support, a vast provider network, cashless transactions for medical services, and options for both short-term and long-term coverage.
These plans ensure that expats in Romania benefit from GeoBlue’s extensive international network.
| Plan Name | Medical Maximum Benefit (USD) | Coverage Duration in Romania | Deductible Options (USD) | Preventative Care Coverage |
| Xplorer Essential | $1,000,000 | Unlimited | $0, $1,000, $2,500, $5,000, $10,000 | Covered 100% |
| Xplorer Premier | Unlimited | Up to nine months | $0, $1,000, $2,000, $5,000, $10,000 | Covered 100% |
| Voyager | $1,000,000 | Up to 182 days | $0, $100, $250, $500 | Not Covered |
| Trekker | $1,000,000 (under 70) | Unlimited trips for 70 days | $100 | Not Covered |
April International for Expats in Romania
April International provides health insurance plans for expats in Romania, including emergency care, hospitalization, outpatient services, telehealth access, dental and vision coverage, and maternity options. 24/7 customer service is available through various channels.
April International’s digital-first approach allows for seamless communication and management of claims, making it easier for expats to access necessary healthcare.
| Plan Type | Annual Benefits Limit | Hospitalization Coverage | Medical Repatriation |
| Emergency Plan | EUR €250,000 (USD $291,300) | Accidents and emergencies only | Covered |
| Formule Basic | EUR €500,000 (USD $582,600) | Full coverage | Covered |
| Essential Plan | EUR €1,000,000 (USD $1,165,200) | Full coverage | Covered |
| Comfort | Unlimited | Full coverage | Covered |
| Premium Plan | Unlimited | Full coverage | Covered |
VUMI for Expats in Romania
VUMI offers health insurance solutions for expats in Romania, providing flexible plans that include options for maternity, dental, and optical care. The plans feature high annual benefit limits, allowing policyholders access to quality medical services, both inpatient and outpatient.
| Plan Name | Annual Benefit Limit (USD) | Inpatient Coverage | Maternity Coverage (USD) | Dental Coverage |
| Basic | $3,000,000 | Standard room, ICU stays fully covered | Not included | Emergency only (30 days) |
| Standard | $3,500,000 | Standard room, ICU stays fully covered | Not included | Emergency only (30 days) |
| Superior | $4,000,000 | Standard room, ICU stays fully covered | $12,500 limit | Emergency only (30 days) |
| Ultra | $4,500,000 | Standard room, ICU stays fully covered | $15,000 limit | Emergency only (30 days) |
| Total | $5,000,000 | Standard room, ICU stays fully covered | $20,000 limit | Routine after nine months |
MSH International for Expats in Romania
MSH International offers health insurance plans for expats in Romania, with key features including customizable benefits, 24/7 multilingual support, and a vast network of medical providers. Expats can be covered for everything from routine check-ups to emergency medical services.
MSH International’s plans ensure that expats have access to quality healthcare, wherever in the world they may be.
| Plan Name | Annual Limit (Outside USA; USD) | Key Benefits |
| Hospi | Up to $3,750,000 | Hospitalization, medical evacuation, emergency care |
| Health | Up to $2,000,000 | Routine healthcare, legal assistance, dental care |
| Health+ | Up to $4,400 | Vision and dental coverage |
| Health+Child | Up to $13,800 | Maternity coverage and prenatal care |
Cigna Global for Expats in Romania
Cigna Global offers health insurance solutions for expats in Romania, featuring 24/7 customer support in multiple languages. Cigna’s health plans are flexible, allowing expats to customize their coverage, including options for benefits like outpatient care and wellness programs.
| Plan | Annual Limit (USD) | Coverage Area | Inpatient Care | Mental Health Care (USD) |
| Silver | $1,000,000 | Worldwide (excluding the US) | Paid in full for private room | Up to $5,000 |
| Gold | $2,000,000 | Worldwide (including the US) | Paid in full for private room | Up to $10,000 |
| Platinum | Unlimited | Worldwide (including the US) | Paid in full for private room | Paid in full |
| Close Care | $500,000 | Country of residence only | Paid in full for semi-private room | Up to $3,000 |
Why Expats Should Secure Insurance Through a Broker
Navigating the complex world of international health insurance can be daunting for expats. Securing coverage through an insurance broker offers several distinct advantages, including wider choices, expertise, ongoing support, and cost efficiency:
- Brokers provide access to a wide range of insurance options from multiple providers: Expats can compare plans and find the most suitable coverage without having to deal with various insurers individually. This saves time and ensures that clients are well-informed about their choices.
- Brokers act as trusted advisors throughout the insurance process: Brokers possess extensive knowledge of the global insurance landscape, enabling them to assess individual risks and recommend policies that align with personal circumstances and budget constraints.This expertise is particularly valuable for expats who may be unfamiliar with local regulations and requirements in their host countries.
- Brokers assist with claims management: Brokers advocate for their clients to ensure fair and timely settlements. This support can be crucial for expats who might face challenges navigating claims processes in unfamiliar environments.
- Using a broker typically incurs no additional costs for the client: Brokers are compensated by insurance providers. This means that expats can enjoy comprehensive, tailored service without any financial burden.Overall, securing insurance through a broker not only simplifies the process but also provides peace of mind, knowing that experienced professionals are looking out for their best interests while they navigate life abroad.
Frequently Asked Questions
Which are the top insurance companies for expats living in Romania?
The leading insurance providers for expats in Romania are Bupa Global, Allianz Care, Now Health International, IMG Global, AXA, HealthCare International Group, DavidShield, GeoBlue, April International, VUMI, MSH International, and Cigna Global.
What are the main benefits of using a broker for health insurance in Romania?
Using a broker simplifies the insurance process by providing access to multiple plans, personalized advice, and assistance with claims management, all typically at no extra cost to the client.
Are pre-existing conditions typically covered by health insurance plans in Romania?
Coverage for pre-existing conditions varies by insurer and plan. Some insurers explicitly exclude coverage for pre-existing conditions, while others may impose a waiting period before coverage begins or cover pre-existing conditions for a premium loading.
What types of medical services are commonly included in expat insurance plans in Romania?
Most expat insurance plans in Romania include inpatient and outpatient care, emergency services, and often additional options like maternity, dental, mental health, and medical evacuation coverage, varying by provider.
What health precautions should expats take before moving to Romania?
Before relocating, expats should ensure their vaccinations are up to date and consider acquiring comprehensive health insurance to cover potential medical expenses while living in Romania.
Conclusion
Romania is known for its stunning landscapes, rich history, and vibrant culture. Highlights include the majestic Carpathian Mountains, medieval castles like Bran Castle, and the picturesque region of Transylvania. The bustling capital, Bucharest, offers a blend of modernity and tradition.
If you’re thinking about visiting or relocating to Romania, you’re certainly not alone! However, it’s crucial to arrange appropriate health insurance based on your specific health needs before your flight.
Whether you opt for travel insurance, expat health insurance, or international health insurance, Pacific Prime is here to assist you! We have extensive knowledge and international experience to create a solution that suits your needs, fits your budget, and provides excellent value.
Additionally, our expert advice and support are completely free of charge! Reach out to us for a consultation, a quote, or a FREE, no-obligation plan comparison today.
If Luxembourg and Slovakia are also in your short list, then check out our articles on the best insurers in Luxembourg and the best insurers in Slovakia too!
Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.
In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.
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