How Can One Self-Insure for Maternity Leave in Romania?

Question from Stefania, How Can One Self-Insure for Maternity Leave in Romania?

Answer from AI:

In Romania, individuals without a regular income have the option to voluntarily contribute to the national health insurance system to benefit from maternity leave allowances. This is particularly relevant for freelancers, the self-employed, or those who are otherwise not automatically covered by an employer’s insurance policy.

Voluntary Health Insurance Contributions

To be eligible for maternity leave benefits, a person must have a valid health insurance contract with the Health Insurance House (Casa de Asigurări de Sănătate). According to Government Emergency Ordinance 158/2005 and Law 399/2006, the process and amounts for voluntary contributions are outlined as follows:

• The individual must pay a monthly contribution to the Health Insurance House, which is a percentage of the national average gross salary.
• The exact percentage is subject to change and should be confirmed with the latest regulations or directly with the Health Insurance House.
• Contributions must be made for a minimum period before the individual can claim maternity benefits. This period is typically 12 months within the last 24 months before the leave starts.

Maternity Leave Benefits

Once insured, the individual is entitled to maternity leave benefits, which are calculated based on their contributions:

• The benefit amount is a percentage of the insured’s average monthly income from which contributions were paid during the last 6 months before the leave.
• If the insured has not had any income, the benefit is calculated based on the minimum national gross salary.
• The exact percentage and calculation method can vary, so it is important to check the current legislation or consult with the Health Insurance House for precise figures.

Seeking Professional Advice

Since laws and regulations can change, and individual circumstances can significantly affect eligibility and benefit amounts, it is advisable to seek personalized advice from a legal professional or a representative of the Health Insurance House. They can provide guidance on:

• The current percentage rate for voluntary contributions.
• The minimum contribution period required for eligibility.
• The exact method of calculating the maternity leave benefit.

For the most accurate and up-to-date information, you can visit the official website of the National Health Insurance House (Casa Națională de Asigurări de Sănătate) or consult the relevant legal texts:

• Government Emergency Ordinance 158/2005 (Ordonanța de urgență a guvernului 158/2005)
• Law 399/2006 (Legea 399/2006)

Remember, this information is a general guideline, and for specific cases, it is essential to consult with a legal expert.