Public health insurance

Dolfin66 wrote:

Can anyone tell me if that means I can use the public health system? I bought low level emergency insurance to apply for the residency, because I thought I wouldn't have access, so I'm a little confused.

Thanks

Hi,

You are one of the many that somehow think that you don't have access to public health care here.  I'm not sure why so often expats here think this and believe they must buy private health insurance which is significantly more expensive.

If you or an employer pay the contributions to Casa de Asigurare Sanatate (Health Insurance House), anyone resident in Romania can use the public health system. 

Romaniac
Expat.com Experts Team

To purchase this do I need to go to CNAS in person and are there specific forms to complete ahead of time (or would i need to bring a translator and my patience )

Lauren

laurenldub wrote:

To purchase this do I need to go to CNAS in person and are there specific forms to complete ahead of time (or would i need to bring a translator and my patience )

Lauren

I don't recall any forms @ CNAS, and actually you do not pay the insurance there, but rather at ANAF.  You only go to CNAS to get a "adeverinta de asigurare" (proof of insurance). 

If you are not working or have no Romanian based income, you'll have to file some forms at ANAF declaring such, then pay your insurance contributions.  You'll take the receipt of payment to CNAS to get the proof I mentioned.

@Romaniac: Did you manage to get a health card in the end? I know there was some delay in issuing them to non-Romanians. If you got one, was it a particularly arduous process or did your employer sort it out for you?

@Romaniac: Thank you!

Maykal wrote:

@Romaniac: Did you manage to get a health card in the end? I know there was some delay in issuing them to non-Romanians. If you got one, was it a particularly arduous process or did your employer sort it out for you?

No, still no card for me...not aware that any foreigners are getting them.  I used to go quarterly to pay then get a printed and stamped proof of insurance.  Now they allow you to pay the entire calendar year if you wish...so I've paid 6 months at once.  Help cut down on trips between ANAF and CAS.  I'm a "persoana fara venit" (No Romanian income), as I'm retired, so I'm not the usual case.

Oh ok, thanks. I had an operation recently and I couldn't give them a card, but I have a part time job (pretty much exactly to avoid having to do a lot of paperwork trips when applying for things - being employed just makes things that much easier) that means my contributions are paid by the firm. Anyhow, they managed with just ID and CNP so it's all good.

Just wanted to share an update about insurance.

On January 1st, the minimum wage jumped from 1450 RON to 1900 RON / month.  State health insurance has increased also from 5.5% to 10% of the salary.  So that's minimum of 190 RON / month now. 

Romaniac
Expat.com Experts Team

@romaniac - I have a question if you don't mind, regarding your reference back in 12 October 2017, in this thrad: "I'm a "persoana fara venit" (No Romanian income), as I'm retired".

I might be in this situation myself, in a few year's time, that is why I am asking.

My understanding is that if you reside in Romania, more than 183 days in a year (regardless on whether with permis de sedere, or full residency) , then you have to file for taxes with ANAF for the year in question. Assuming a US income that is more than the minimum wage of 1900 RON (or equivalent), let's call it 5000 RON/month after conversion.

I thought the process would go something like this:

1. File taxes in the US (or Canada in my case).
2.  Since taxes would be retained at the source (state pension, investments, etc) you would either have to pay (more) or receive.
3. File taxes in Romania. 
4. Invoke the double taxation treaty, show amount you have already paid in the US to the IRS.
5. Depending on the tax levels in Romania (vs the US) you would either pay a difference to ANAF, assuming in Romania the taxes for your income bracket would be higher than in the States, if not, then you would not have to pay anything (already paid in the US).
6. Regardless whether or not you still have to pay a tax difference to ANAF, CAS would charge a premium based on your declared world-wide income, without regard to how and/or where you have paid the taxes on that income (IRS or IRS/ANAF). In our example it would be a premium based on 5000 RON (equivalent) per month.

Under this scenario, how would you go to ANAF and declare yourself 'persoana fara venit' (with no romanian income?

Thanks.

Hello; i moved to Bucharest and as a pensioner and EU-citizen i must have my health insurance in my home state, but i have access to the public health system in
the whole EU.
So my questions: I ve heard i can sign up an aditional insurence that i have the
access to the private sector; true ?
If yes, may somebody can recommend me such an insurance and a link to these
private hospitals, better to say such a poly-clinic offering that part of an main
doctor; called medic de familie.

Please; i´m not that arrogant that i want to avoid the public system; but in
germany i´m paying maybe ten times more than an average employee in
eastern europe; so i ´m not convinced that the public system will offering
that level for that i´m paying.
Any information is welcome

Thx