Healthcare in Moldova for expats
How the healthcare system works for a foreign resident — whether you can use public care, how good it is, and what private cover actually costs. Information current as of 2026; verify current rules before relying on it.
System
Public + private mix
A public system alongside a large private sector — expats commonly choose private care for speed, English, and comfort.
Care quality
Private cover
$25–60/mo
Healthy adult, 30–45. Get a quote.
Public access for foreign residents
Foreign nationals holding a Moldovan residence permit are required to have compulsory health insurance from CNAM — bought as an annual policy if you are not employed locally — which then covers the state benefit package through a registered family doctor.
Official source →What works well
The compulsory annual policy is inexpensive, and out-of-pocket prices at Chișinău's private clinics are among the lowest in Europe, so paying cash for a consultation or a scan is genuinely viable.
What to watch out for
The policy is a condition of your permit, so it is a cost you cannot skip, and the public network is underfunded with informal payments still common — budget for private care and treat CNAM as the compliance layer.
Healthcare eligibility, costs, and system rules change and vary by residency status, nationality, region, and age. This is directional information current as of 2026 — not medical or insurance advice. Confirm your access eligibility with the official source and get a private quote for your own situation before relying on either.
Moving to Moldova?
Get the expat toolkit — visa routes, cost of living, arrival checklist, and healthcare guide for Moldova — plus a heads-up when the rules or figures change. One email, no spam.
Information only, not legal advice — we never file anything with any government. Requirements change; verify with the official source or a licensed immigration advisor before you apply.
Healthcare in Moldova: FAQ
Can I use public healthcare in Moldova as an expat?
Foreign nationals holding a Moldovan residence permit are required to have compulsory health insurance from CNAM — bought as an annual policy if you are not employed locally — which then covers the state benefit package through a registered family doctor.
How much does private health insurance cost in Moldova?
For a healthy adult aged 30–45, comprehensive local or international cover in Moldova typically runs about $25–60 per month. Premiums rise with age, pre-existing conditions, and plan breadth — treat this as a starting band and get a personalised quote for your situation.
What is the healthcare quality like in Moldova?
Moldova's healthcare rates as "Uneven" by international measures. The compulsory annual policy is inexpensive, and out-of-pocket prices at Chișinău's private clinics are among the lowest in Europe, so paying cash for a consultation or a scan is genuinely viable.
What should expats watch out for with healthcare in Moldova?
The policy is a condition of your permit, so it is a cost you cannot skip, and the public network is underfunded with informal payments still common — budget for private care and treat CNAM as the compliance layer.
What type of healthcare system does Moldova have?
Moldova runs a "Public + private mix" healthcare model. A public system alongside a large private sector — expats commonly choose private care for speed, English, and comfort.