Insurance requirements for studying in Romania
Insurance information for Romania
If you are going to study and live in Romania, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much
Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance.EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.
Students from non EU/EEA countries
In Romania, as a student you benefit from free of charge medical care and psychological assistance, if you are under 26 years old. These services are provided in the higher education institution and in public hospitals, based on the public medical insurance.
If you are 26 or older, you must pay a monthly health insurance fee (approx. 12 Euro / month). Note that you must register with a general physician (family doctor), which provides basic consults and can refer to specialists if needed.
Is this enough?
It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local offered health insurance will probably not cover:
- (Additional) medical costs, like dental
- Repatriation
- Liability
- Home contents and baggage
- Accidents
- Legal aid
- Worldwide cover
You will need an insurance policy also covering, but also arranging for you, for example:
- You returning home if a close relative is seriously ill or dies;
- Up to two close relatives visiting you in if you fall seriously ill;
- Your medical repatriation to your home country for hospitalization or rehabilitation treatment;
- or in the worst possible situation, returning a body home for burial.
Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and help you to will help you to identify the possible gaps in cover and insight in the costs of insurance, you can freely request an instant quote.
About Romania
Romania is one of the most affordable study destinations in Europe. Tuition fees at public universities are very low. If you’re from the EU and have high enough grades, you can occupy one of the state-funded places and pay no fees.Romania is a paradise for young people who want to study hard but also party hard. Major student cities like Bucharest, Cluj, or Timisoara offer a wide range of clubs, bars, restaurants, and other entertainment venues where you can enjoy music, dancing, and have a good time with your friends.
Romania is also among the most beautiful European countries, with natural attractions and human-made wonders that will leave you speechless. While living and studying here, don’t miss the famous international festivals, spending a night at the Balea Lake Ice Hotel, or taking a trip on Transfagarasan or Transalpina.
Frequently asked questions
Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance
(European Health Insurance Card - Employment, Social Affairs & Inclusion - European Commission (europa.eu))
An EHIC gives the student the right to access state-provided healthcare during a temporary stay in another EU country, Norway, Iceland, Liechtenstein or Switzerland.
When you are in possession of a valid EHIC during your study period in Romania, it only provides coverage for emergency medical expenses. Please note that this does not include any costs for medical evacuation, physical therapy, acupuncture or emergency dental expenses. You are also not covered for your personal possessions, liability, legal aid, emergency assistance and extra travel expenses.
The validity of the EHIC depends on your home country and your insurer in your home country. It may not cover the full period of studies. Please verify the validity of your EHIC with your insurer in your home country for your study period abroad in Romania.
However, the coverage of the European Health Insurance Card or private insurance may not be sufficient, especially in case of repatriation and specific medical intervention. In that case, a complementary private insurance might be useful.
Taking out an additional insurance during your study abroad in Romania is specially needed for the risks that are not covered for with your EHIC. This to be certain that you are properly insured during your study period.As each country’s healthcare system is different services that cost nothing at home might not be free in another country like Romania.
