Moldova International Health Insurance / Healthcare System

 

  Moldova

The Republic of Moldova, otherwise known as Moldova, is a country located in Eastern Europe that shares land borders with Romania to the west and with Ukraine to the north, east and south. Moldova spans a total land area of 33,846 square kilometers with a population of approximately 4.3 million people. Formerly part of the Soviet Union, Moldova became an independent state in 1991 and established a parliamentary republic and democracy where a President is the head of state and a Prime Minister is the head of government. Situated at a crossroads between Slavic, Latin and various other cultures, Moldova has a rich tradition of art and literature which is strongly influenced by its neighbors. Ethnic Moldovans, who account for approximately 80 percent of the population, speak Romanian and share cultural links to Romania. As such, Moldovan (Romanian) is the national language while Russian and Ukrainian are also widely spoken.

Moldova experiences a temperate continental climate with mild winters and warm summers. Rich, fertile soil coupled with favorable weather conditions allow for excellent agricultural production and wine making. Following independence, Moldova’s economy was strongly reliant on agriculture and industry, however, recent developments in the services sector have now placed this industry at the forefront of Moldova’s economic growth. Moldova’s GDP remains relatively low in comparison to other European countries, approximately USD4 billion, and in 2009 the European Parliament described Moldova as one of the weaker countries in Europe in relation to its GDP.

The Ministry of Health (MOH) is the central authority that oversees Moldova’s health care policy and strategy. A recently published Institutional Development Plan for 2009 – 2011 outlined a national policy on health which includes the following goals: responsible management and funding of the health care system; health promotion, education and disease prevention; regulation and coordination of health care provision and adequate levels of specialist personnel, equipment and technology. In reality, Moldova relies heavily on funding and grants from international donors which provides approximately 85 percent of funding for primary health care services. Total healthcare funding as a percentage of GDP is approximately 5 percent with a significant majority of this figure allocated towards modernizing hospital infrastructure. The remainder must provide for the purchase of modern equipment, staff salaries and the purchase of drugs and medicines, a task for which the moneys distributed have been deemed insufficient and remain below adequate levels.

Despite a constitutional pledge to provide universal access to free primary level health care for all citizens, a lack of government funding in the health sector has resulted in many citizens being required to pay in cash at the time of treatment. In 2004, a national health insurance fund was created with the aim of increasing accessibility to primary level health care, particularly to those on low incomes and those living in rural areas. Approximately 78 percent of the population is now covered by the national health insurance system. The system aims to ensure access to primary level health care, namely easy access to family doctors, health posts and health centers. Contributions to the fund consist of fixed amount payments from employers, employees and dependants with the contribution amount relative to income levels.

The standard of medical facilities varies throughout Moldova. The capital city Chisinau has a number of public sector hospitals which provide secondary and tertiary level care. In addition, a regional hospital and a state institute provide specialist care and treatments. Regional hospitals in rural areas of Moldova suffer from poor sanitation and hygiene, as well as a lack of modern equipment, skilled personnel and medicines. Private medical facilities such as the Medpark International Hospital in Chisinau have modern equipment and provide a level of care and treatments more comparable to European standards. Consistent with private medical facilities elsewhere, the cost of treatment is extremely expensive. Expatriates and non-nationals who seek treatment at private facilities are required to pay in cash at the time of treatment. Consequently, expatriates in Moldova are advised to purchase comprehensive international medical insurance.

Life expectancy at birth for Moldovan males is 68 years and 75 years for females. The primary causes of premature death are respiratory and cardiovascular disease, cancer and accidents. Alcohol consumption per person is quite high in Moldova and the issues associated with alcoholism place added pressure on the effective delivery of health services. The infant mortality rate is 12.43 per 1,000 live births and there are approximately 12,000 citizens living with HIV/AIDS.

Tuberculosis remains one of Moldova’s primary health concerns. There are an estimated 154 cases per 100,000 people each year which is roughly 15 times higher than the infection rates of Western European countries. Moldova also has one of the highest infection rates among the former Soviet Union nations. The Ministry of Health, in partnership with international donors and organizations, has implemented a number of programs designed to control the spread of tuberculosis and other health concerns such as hepatitis, rabies and diarrheal diseases.

Moldova’s crime rate is high with petty theft and crimes of opportunity quite common in Chisinau and other large cities and towns. Financial fraud such as debit and credit card skimming is frequent and visitors are urged to use cash whenever possible. Valuables and identity documents should be kept in a safe place. A photocopy of the passport and other travel documents should be carried on your person at all times. Transnistria, located in the north eastern part of Moldova, has remained outside the government’s control since independence from the Soviet Union and as such travel to this area is not advisable.

 

Moldova International Health Insurance

 

Purchasing comprehensive travel and medical insurance before traveling to Moldova is strongly recommended. Emergency medical and healthcare costs, including possible evacuation to a country with modern facilities, are expensive. To ensure that you are sufficiently protected for all medical possibilities in Moldova, purchase an international health insurance plan. To receive a free health insurance quote, or to find out more information about the various health insurance plans available from Globalsurance, please contact one of our advisers today.

 

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