Health insurance renewal in Moldova
Renewing health insurance in Moldova generally involves confirming eligibility or payment status with the National Health Insurance Company (CNAM). For those who pay an individual premium, this typically means making a new payment; for those insured through an employer or the state, it's often an automatic process or tied to continued employment/eligibility.
It is advisable to begin checking health insurance status at least 30-60 days before the expected expiration. This allows ample time to clarify eligibility, make any necessary payments, or resolve administrative issues without a lapse in coverage. Processing times for payments or updates can vary, and contact with CNAM may require scheduling.
Start 30 days ahead
To ensure continuous coverage and allow for processing times or potential administrative inquiries.
The process
- 1Determine your current insurance status and method of coverage (e.g., employed, self-insured, state-insured).
- 2If self-insured (paying individual premium), confirm the due date for the next premium payment.
- 3Make the required premium payment through a bank, post office, or online payment system, if applicable.
- 4If insured through an employer or the state, verify with your employer or relevant state institution that your contributions are up-to-date and your eligibility continues.
- 5Check the validity of your health insurance policy (polița de asigurare obligatorie de asistență medicală) via the CNAM portal or by contacting CNAM directly to confirm renewal.
What to bring
- Identification document (e.g., national ID card, passport)
- Proof of previous premium payments (for self-insured individuals)
- Employment contract or relevant documents (for employed individuals, if required for verification)
- Proof of eligibility for state-funded categories (if applicable, e.g., student ID, pension certificate)
Who handles it
Compania Națională de Asigurări în Medicină (National Health Insurance Company - CNAM)
https://cnam.md/page/ghid-pentru-persoana-asigurata
The cost for individual health insurance premiums is set annually by the government of Moldova. Individuals paying independently should confirm the current year's fixed premium amount directly with CNAM or official government sources. For those insured via employment or state programs, the cost is covered through contributions or state budget allocations.
What commonly goes wrong
- Ensure premium payments are made on time to avoid a lapse in coverage, especially for self-insured individuals.
- Verify that personal data is accurate with CNAM, as discrepancies can cause issues with coverage.
- Confirm the specific payment methods accepted and any associated fees for transactions.
- Be aware that eligibility criteria for state-funded insurance categories can change, requiring re-verification.
Sources
Other documents in Moldova
Health insurance renewal in other countries
Often renewed together
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