Health Insurance in Romania. How to Choose the Best Policy for Students and What Are the Most Common Mistakes?

🩺 Health Insurance in Romania

Students who go to Romania for long-term education are required to have health insurance. This is especially important for Erasmus students because if the policy is incorrect. the visa may be delayed and additional costs may arise during the Romanian residence permit stage.

This guide explains all essential information step by step.

1️⃣ Which Health Insurance Does Romania Accept?

For the long-term student visa. Romania requires a travel health insurance that meets specific conditions.

Mandatory Coverage

✔️ Minimum 30.000 euro coverage✔️ Valid in all Schengen countries✔️ Must cover the entire study period✔️ Must include emergency treatment. hospitalization and medical repatriation

These requirements are checked again during the residence permit application.

2️⃣ How Should the Insurance Duration Be?

The policy dates are extremely important. It must meet these conditions.

✔️ Start before the beginning of the study period✔️ Continue beyond the end of the semester✔️ Must not conflict with the Learning Agreement

If the study period is 5 months. the policy should cover 5 months + a safety margin.

3️⃣ Which Insurance Companies Are Suitable?

Many students choose companies offering wide coverage.

Commonly Preferred Companies

AllianzAxaGulfGeneraliMapfre

The brand is not important. what matters is that the policy meets Romanian requirements.

4️⃣ Additional Requirements for the Residence Permit

Yes. after entering Romania with a visa. students must apply for a residence permit. Extra checks may occur.

Possible Additional Conditions

✔️ Policy must cover the remaining full study period✔️ Insurance certificate must be in English or Romanian✔️ Emergency and hospitalization coverage must be clearly stated

Students with low-coverage policies may be required to purchase a new insurance during residence procedures.

5️⃣ Most Common Mistakes

Many visa applications fail due to incorrect insurance.

🚫 1. Buying a cheap policy with low coverageThis delays the visa or leads to residence rejection.

🚫 2. Choosing a policy shorter than the Erasmus periodIf Erasmus is 5 months but the policy is 90 days. the application is invalid.

🚫 3. Policy valid only for departure from TurkeyIt must be valid in the entire Schengen area.

🚫 4. Name mismatch between passport and insuranceBoth must match exactly.

🚫 5. Submitting a simple screenshot of the policyConsulates require a PDF with stamp and signature.

6️⃣ How to Add the Insurance to the Visa File?

✔️ Submit a color printout✔️ Include all pages of the policy✔️ Coverage amount must be visible✔️ Coverage region must be specified✔️ Signature and stamp section must be clear

Submitting only the summary counts as missing documents.

7️⃣ Link Between Insurance and Bank Statement

In Romanian student visa applications. financial proof and insurance are evaluated together.

✔️ The more comprehensive the insurance is✔️ The clearer the required bank balance becomes

Weak insurance means stricter financial review.

🎯 Summary

Health insurance is one of the most important elements of a Romanian student visa.

⭐ Coverage must be at least 30.000 euro⭐ Must be valid in the entire Schengen zone⭐ Must cover the full study period⭐ Must be submitted in professional format

A properly prepared insurance policy becomes one of the strongest parts of the application.