Health insurance

🟩 For EU citizens (e.g. Germans)

✅ Option 1: European Health Insurance Card (EHIC)

• Applies to temporary stays (e.g. as a tourist, freelancer or retiree resident in Germany).

• For medical emergencies and basic care only.

• Not suitable for long-term stay or residence.

✅ Option 2: Romanian health insurance (CNAS)

If you live or work in Romania,you usually have to register with the state health insurance system CNAS :

a) You are employed:

• Your employer will automatically register you with CNAS.

• Contributions are deducted from the salary (approx. 10% social insurance incl. health).

b) You are Self-employed or entrepreneur:

• You register voluntarily with CNAS.

• You pay contributions yourself, usually as a lump sum, depending on the minimum wage (approx. 330-400 RON/ 65-80 € month, as of 2025).

• As a rule, you need a Romanian tax number (CIF) and register with the tax authorities (ANAF) .

c) You are Pensioner or without income:

• You can take out voluntary insurance.

• Contribution depending on situation, or exemption with proof of pension or social security benefits.

✅ Private international health insurance

• Can be accepted temporarily, e.g. when applying for a residence certificate.

• Must provide proof of cover in Romania .

• Not sufficient for permanent residence, as you should register with the CNAS on a long-term basis.