Is Health Insurance Required When Moving to Moldova?

When planning a move to Moldova as an expat or digital nomad, one of the essential considerations is healthcare. Moldova has a public healthcare system, but it may not cover all your needs, especially before you gain residency or become enrolled in the system. It is crucial to have health insurance upon arrival in Moldova, as it may be a requirement for obtaining residency. The insurance should cover a minimum amount of medical expenses, and it's advisable to ensure that the coverage is valid for the entire duration of your stay until you are eligible to join the local healthcare system. The specifics of the required coverage can vary, so it's important to check the latest regulations before your move.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements of various countries for incoming residents. However, it is important to verify that your chosen plan complies with Moldovan regulations. The insurance should cover a range of medical services, including emergency treatment, hospitalization, and possibly repatriation. Before purchasing a policy, confirm that the coverage amounts, policy terms, and the network of hospitals and clinics are adequate for your needs and meet the Moldovan government's standards for residency applications.

Which local health insurers offer this type of insurance?

In Moldova, there are several local health insurance providers that offer plans suitable for expats and digital nomads. These companies typically provide a range of options from basic to comprehensive coverage. Some of the well-known insurers include Moldasig, Asito, and Grawe Carat Asigur?ri. These insurers have experience dealing with foreign clients and can offer plans that are tailored to the needs of expats, including coverage that will be accepted for residency purposes. It's advisable to compare different plans and providers to find the best fit for your personal situation and coverage needs.

Advice from Expats in Moldova about Health Insurance

Experienced expats in Moldova often emphasize the importance of understanding the local healthcare system and ensuring that your insurance provides sufficient coverage. They recommend choosing a plan that offers a straightforward claims process and direct billing with hospitals and clinics. It's also wise to look for a policy with a 24/7 assistance line in a language you are comfortable with. Expats advise paying close attention to the terms and conditions of the insurance policy, particularly regarding any exclusions or limitations, and ensuring that the policy covers chronic conditions or any specific health needs you may have. Lastly, consider the reputation of the insurer for customer service and reliability, as this can greatly affect your experience in the event you need to use your insurance.