# Romania insurance fees and coverage

> Live situation record from CLSTR: https://clstr.news/situations/romania-insurance-fees-and-coverage
> Updated: 2026-08-20T09:57:38.000Z. Sources: 8. Developments: 3.

In July 2026, Romania’s tax authority ANAF confirmed that the health-insurance contribution (CASS) for individuals without taxable income will remain fixed at 2,430 lei for the year. This amount is calculated as 10% of six times the minimum gross salary effective on 1 January 2026. ANAF noted that “regardless of whether the declaration is submitted before or after the increase in the minimum wage in July 2026, the contribution remains 2,430 lei, because the calculation is based on the minimum wage from January 1.” This contribution provides twelve months of medical coverage, though certain groups like students and low-income pensioners are exempt.

Concerns regarding insurance and financial preparedness have also emerged regarding travel and emergencies. Reports indicate that Romanian travelers face significant foreign ATM fees of €20–40 per withdrawal. While the domestic travel-insurance market grew to 85 billion lei in 2025, with insurers paying out 81 million lei in claims, high overseas medical costs—often around €1,000 per day—remain a risk.

A study by the Centre for Urban and Regional Sociology (CURS) for Allianz-Țiriac highlights a significant gap in financial readiness: only 10% of surveyed citizens claim they could fully cover estimated medical emergency costs. While 61% of Romanians prioritize health insurance, many rely solely on mandatory policies. Data from the Financial Supervisory Authority (ASF) underscores this disparity, noting approximately 279,000 health insurance policies compared to nearly 6 million compulsory motor insurance policies.

## Timeline

### 2026-08-20: Romania: Only 10% of citizens can cover medical emergency costs

A study shows only 10% of Romanians can fully cover the costs of a medical emergency, with most relying on compulsory insurance despite prioritizing health and family protection.

2 sources. https://clstr.news/cluster/romania-only-10-of-citizens-can-cover-medical-emergency-costs

### 2026-07-31: Romanian travelers face high bank fees and insurance costs abroad

Romanian travelers face up to €40 ATM fees abroad and rising travel‑insurance costs, with 85 bn lei in policies and 81 mn lei paid out in claims in 2025.

4 sources. https://clstr.news/cluster/romanian-travelers-face-high-bank-fees-and-insurance-costs-abroad

### 2026-07-21: Romania Sets Fixed 2026 Health Insurance Fee for People Without Income

Romania’s ANAF keeps the 2026 health‑insurance contribution for people without income at a fixed 2,430 lei, based on six minimum wages, payable via a single declaration and valid for 12 months.

2 sources. https://clstr.news/cluster/romania-sets-fixed-2026-health-insurance-fee-for-people-without-income

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Cite as: Romania insurance fees and coverage. CLSTR, https://clstr.news/situations/romania-insurance-fees-and-coverage