State health insurance, called CASS, is part of the health and social system. This is aimed at compensating the insured in full or in part for the costs of the medical treatments he has carried out (it can be for accidents, births, medication settlement or other procedures). If you want to be insured (with the state or private) you can do that either compulsorily or voluntarily. Also, there are differences from one state to another in terms of the cost of insurance, the categories of people that can be insured, the amount for which you are insured, but today we will talk about what state medical insurance in Romania.
Thus, in Romania, there are three situations in which you can qualify to benefit from state medical insurance: the case where part of your income is mandatory allocated to the social health insurance system (because you are an employee or you collect a big income), the case where you owe a contribution to the social health insurance system because you achieve cumulative annual income at least equal to 6 minimum gross salaries per country and the last case in which you wish to be insured and you do not fit into the previous situations.
You are an employee
If you are employed in Romania, the obligation to contribute monthly for the social health insurance rests with the employer in the form of a share of 10% of your gross income.
You obtain income from non-salaried activities
As it appears from OG 16/2022 (in force starting with 2023), people who obtain an income from non-salaried activities such as independent activities, from association with a legal entity, from the transfer of the use of goods, from investments, from agricultural activities, forestry and fish farming or from other sources, are obliged to contribute to the health insurance system with a share of 10% according to three ceilings:
- The level of 6 gross minimum wages per country, in force at the time of submission of the single declaration, regarding incomes between 6-12 gross minimum wages per country;
- The level of 12 gross minimum wages per country, in force at the time of submission of the single declaration, regarding incomes between 12-24 gross minimum wages per country;
- The level of 24 gross minimum wages per country, in force at the time of submission of the single declaration, in respect of which they exceed 24 gross minimum wages per country. For the year 2022, if the income exceeds 24 gross minimum wages per country, you only have to pay at the level of 12 gross minimum wages.
You are not an employee and you don’t make any income from other sources
If you want to benefit from medical insurance but you do not fit into the two situations mentioned above (and you are not exempt from paying the contribution), the burden of paying the contribution will fall on you. Thus, the health insurance for the year 2022 costs 1,530 lei, being valid for a period of 12 months, which means 150 lei per month. This amount results from multiplying the minimum gross salary of 2022 (ie 2,550 lei) by six months and by the percentage of 10% (CASS rate).
Legal Intern R&R Partners Bucharest
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