Private medical insurance vs. other types of insurance

Having strong health it is a long term process that requires implication and knowledge about the human body. This in the main reason why private health insurance is an efficient instrument for preventing health problems.

Be informed and make the best choice for you and your family!

1. Types of health insurance to which the inhabitants of Romania have access:

  • Health Insurance with Local Coverage - these insurances provide the beneficiaries with the possibility to have access to medical services on the territory of Romania.
  • Medical Subscription - it is tax deductible within a certain limit and plays a fundamental role in preventing or solving medical problems of small or medium complexity. They are designed to facilitate constant monitoring and assessment of the health status, which will lead to early detection of medical conditions, but does not cover treatments for complex diseases whose costs are high.
  • European Health Insurance Card - this card is issued, upon request, to any person residing in a country of the European Union and facilitates access to medical services in any EU Member State during temporary stays (maximum 12 months). All European citizens who prove, in advance, the quality of insured in the national social health systems and who prove the up-to-date payment of the contribution can benefit from this card. This type of card covers the treatment of the conditions that occur during the stay in another EU Member State, but does not cover the treatment for the conditions that existed before the trip. The card is free and valid for 24 months. If those who apply for such a card are students/MA students, they can receive it only if they have a scholarship from the Romanian state.
  • State Health Insurance - this insurance, also called CASS, guarantees free access to medical services for Romanian citizens, who benefit from family medicine according to the laws in force. They also have access to a basic service package in a non-discriminatory manner and have the right to enjoy medical services in outpatient and in hospitals in contractual relationship with the Health Insurance Houses. State health insurance covers emergency medical services, physical therapy treatments and recovery, medical home health care services.
  • Travel Health Insurance - is designed to provide access to medical services that a person may need during a trip outside the country. The travel health insurance is a tool through which a person protects himself/herself from paying large amounts in the event of an accident or in the event of developing a health condition. It is a short-term mechanism by which we avoid unpleasant situations with extremely serious consequences. The minimum period for which this insurance can be concluded is 2 days and the maximum period is 365 days.

2. Why You Should Choose a Private Health Insurance

The private health insurance is one of the most complex tools by which people have access to the highest quality medical services. It covers all the types of insurance mentioned above and brings a number of distinct benefits, with private insurance playing a fundamental role in diagnosing and treating serious illnesses.

Health insurance offers the possibility of medical treatment to the highest standards

The attention paid to a healthy lifestyle is supplemented by decisions that aim to protect us and those in our family in the unfortunate event of an illness. A private medical insurance with international coverage, takes the financial risk of the whole family, in the unexpected situations in which a medical intervention is required. MediHelp International is the leading provider of health insurance in Central and Eastern Europe and provides its clients with an international network of over 425.000 clinics and hospitals.

The benefits of such insurance are major, the medical care being provided by using the latest technologies and equipment. The international coverage of a medical insurance means that the beneficiary of the insurance policy can choose any clinic or hospital in the world for investigations and treatment.

The private insurance with international coverage is an important tool for the famil’s balance

Family health is essential for everyone, which is why the health insurance is a great solution to eliminate this constant concern. The insurance policy is an investment that aims to prevent a financial imbalance within the family, which can intervene in the situation of a serious health condition.

The fact that the medical insurance is not limited to the national territory of the beneficiary gives the beneficiary very great advantages regarding the access to quality medical services in the context of having a job that provides frequent or long-term travel abroad. In this way, the insured person no longer has to go through the complicated bureaucratic processes, the insurance company dealing with the payments and other aspects of organization while the patient focuses only on healing.

The benefits of private health insurance can also be extended to family members as co-insured. Thus, they receive the same rights and enjoy the highest quality medical services. If a member of your family becomes ill, based on private insurance, he/she can be treated in any clinic or hospital in the world. The tranquility offered to a family by the guarantee of medical services at the highest standards contributes to the harmony within it. 

3. Detailed Comparison of Medihelp International's Health Insurance Plans

HEALTH INSURANCE PLAN

GENERAL MAXIMUM LIMIT

COVERAGE AREA

BENEFITS

BLUE

   

EUR 500,000

   

Europe + Israel

   

Hospitalization (day or night)

Emergency ambulatory care

Local ambulance services

Cancer treatment + Transplant services + Advanced imaging + AIDS

AZURE

​     

EUR 1,200,000​

     

Europe + Israel

     

Hospitalization (day or night)

Ambulatory care (within the limit of EUR 12,000)

Local ambulance services + Repatriation of remains + International emergency medical evacuation)

Cancer treatment + Transplant services + Advanced imaging + AIDS

Preventive examination

Optional: Maternity (for companies)

COBALT

     

EUR 1,500,000​

     

Global + SUA

     

Hospitalization (day or night)

Emergency ambulatory care + Ambulatory surgery

Cancer treatment + Transplant services + Advanced imaging + AIDS

Maternity

Local ambulance services + Repatriation of remains + International emergency medical evacuation)

Optional: Dental

ADMIRAL

      

EUR 2,000,000

      

Global + SUA

      

Hospitalization (day or night)

Ambulatory care

Cancer treatment + Transplant services + Advanced imaging + AIDS + Dental accidents

Maternity

Local ambulance services + Repatriation of remains + International emergency medical evacuation)

Annual preventive medical check-up

Optional: Dental

ROYAL

 

EUR 3,000,000

 

Global + SUA

 

Hospitalization (day or night)

Ambulatory care

Cancer treatment + Transplant services + Advanced imaging + AIDS + Dental accidents

Maternity

Local ambulance services + Repatriation of remains + International emergency medical evacuation)

Annual preventive medical check-up

Optional: Dental

Coming Soon