Romanians would be able to direct – if they want to opt for this – 50% of the social health insurance contribution related to the gross minimum basic salary to a private health services insurer, a draft law submitted by the USR to Parliament. In the case of people whose salary is higher than the minimum wage in the economy, the contribution that will be able to go to a private insurer, if the person in question opts for this, will also be 50% of the contribution related to the minimum wage, the difference being to continue going to the National Health Insurance House.
HospitalPhoto: Tommaso79 | Dreamstime.com
What CNAS will offer and what the private insurer will offer:
- The person who becomes insured in the private health insurance system will keep his CNAS insured status for the services included in the package of the national health programs (for patients with chronic diseases) and for medical emergencies.
- Apart from these services, the basic package of medical services will basically move to the private insurer.
USR deputy Claudiu Năsuithe initiator of the draft law, told HotNews.ro that, should it pass the Parliament, such a law would stimulate competition in the field of medical services, and the quality to them would increase. Claudiu Năsui also says that the amount that will go to a private insurer, in the case of a person who opts for this, will be approximately 165 lei per month.
Among the initiators are, apart from Claudiu Năsui, USR deputies Adrian Wiener and Emanuel Ungureanu, members of the Health Commission of the Chamber of Deputies.
“The purpose of the private health insurance system is to finance the protection of the health of the population in a competitive system that guarantees the free choice of the health insurer by the insured through the right of the insured to request the transfer, on their behalf, of a contribution from the budget of the Single National Fund of social health insurance to the chosen health insurer”, say the initiators.
Private insurers could offer, for additional amounts paid, other complementary services, such as faster access to certain medical services or better hotel conditions during hospitalization, according to the initiators of the bill.
Authorization for basic private health insurance activity would be made by the Financial Supervisory Authority (ASF).
The most important provisions of the draft law:
- A person can become insured in the private basic health insurance system by signing a private basic health insurance contract, on his own initiative.
- Delegation or representation for signing the basic private health insurance contract is prohibited.
- ASF approves the basic private health insurance framework contract of each health insurer, as well as its amendments, if the legal conditions are met, within 10 working days from the moment of the request.
- The person who becomes insured in the private health insurance system and who opts for the partial recovery of his contribution from the Single National State Social Insurance Fund, ceases to be insured by the CNAS for the services included in the basic service package from the date of entry in force of the basic private health insurance.
- The person who becomes insured in the private health insurance system keeps his/her status as CNAS insured for the services included in the package of national health programs, as regulated by Law 95/2006 on health reform.
- The amount of the recovered contribution amounts to a maximum of 50% of the social health insurance contribution due to the single national state social insurance fund related to a minimum gross basic salary per country guaranteed in payment.
- In the situation where a person wants to become insured by another health insurer, he can conclude a new health insurance contract with a new insurer at any time and without being conditioned by the payment of any taxes, commissions or penalties.
- In the event that a person wishes to become insured by CNAS again for the basic service package, he/she notifies CNAS and within 15 days from the notification date acquires the status of CNAS insured for the services included in the basic service package. Basic private health insurance ceases from the date of acquisition of CNAS insured status for the services included in the basic service package.
The legislative initiative also has a chapter dedicated to high-risk insured persons, who cannot, at the moment, access private health insurance in Romania:
- A high-risk insured can apply to the CNAS for the allocation of an insurer in order to conclude the basic private health insurance contract.
- CNAS, based on its own policies and procedures, assigns a health insurer in order to conclude the basic private health insurance contract.
- The allocation of the health insurer is based on their market share as communicated by the ASF, which does not include the CNAS related market share, at a premium rate equal to a minimum gross basic salary per country guaranteed in payment.
- The conditions under which basic private health insurance for high-risk insured persons are concluded can be found in the internal procedures of CNAS; the conditions are published on the CNAS website and are updated whenever they change.
Law Project can be consulted in full here.
Statement of reasons can be consulted in full here.