Moldova
[Updated 6/23/25] Mandatory employee benefits in Moldova include social pension schemes, workers’ compensation, and health care. Common supplementary employee benefits in Moldova include healthcare and life insurance. Several perks may be available to employees in Moldova.
Country Insight
Average Cost
The monthly cost for a typical benefits package ranges from €300 to €700.
Mandatory and Supplementary Employee Benefits in Moldova
The available products on Moldova’s insurance market designed for personal protection are:
- Personal accident insurance
- Travel health insurance
- Group life insurance
- Healthcare insurance
The products designed for both protection and savings are:
- Long-term life insurance with an investment component (Life Endowment)
- Critical illness insurance
Regarding the scope of cover, the available employee benefits products can be divided into three categories:
- Products designed for protection
- Products designed for personal savings
- Mixed products, which include both components
Employee Benefits Overview
Work accidents / Professional Diseases/ Workmen’s compensation
In Moldova, the State still manages the entire system through funds collected monthly from employers and employees.
According to Law Nr 756 of 24.12.1999, the Public System grants the following compensations in case of work accidents and/or professional diseases:
a) Medical rehabilitation benefits
b) Benefits for the recovery of work capacity
c) Benefits for professional rehabilitation
d) Indemnity for temporary incapacity of work
e) Allowance for a temporary transfer to another job
f) Permanent disability indemnity
g) Death indemnity
- For Personal Accidents and professional diseases, facultative insurance products are available in addition to the benefits offered by the state system.
- The expenses of companies with insurance premiums related to personal accident insurance are tax-free, and the indemnities received following personal accident claims are also exempt from revenue taxation.
Employers’ Liability
- Law No. 186 of 10.07.2008 on Security and Health at Work has provisions regarding employers’ liability to pay indemnities in cases of professional diseases, death, and permanent disability of employees due to accidents at work when the employers are liable for the accidents.
- Death and permanent disability indemnities are a burden. According to the law, liable employers must pay a lump sum indemnity equal to one annual salary for each year remaining until the employee’s 62nd birthday, but not less than 10 annual salaries. In cases of disability, the payment will be equivalent to one average yearly salary for each percentage of capacity loss, but not less than the annual salary of the injured employee.
- The employer’s liability risks may be covered under facultative insurance. In the event of a claim, the insurer will pay the claimed amount, regardless of any other payment from the Social Security Fund or other insurance schemes.
- The facultative insurance indemnities are subject to the policy limits.
Healthcare – Public and Private
There are two medical insurance coverages:
- Compulsory health insurance
- Private health insurance
The insurance premium for compulsory health insurance is paid monthly, with the employee contributing 9%. Employers pay the National Health Insurer on behalf of the employee.
Private insurance companies provide facultative health insurance in accordance with the Fiscal Code, Article 35, page 3.
Deductions are allowed for expenses related to facultative health care insurance premiums or for contracting medical services from a single provider, up to the amount of an average monthly salary (as forecasted and approved by the Government for the year in which it was granted).
Private Health Insurance Coverage
In Moldova, healthcare is the number one preferred benefit, as employees are interested in easy and prompt access to private health institutions, including private clinics. Only 5 of the 9 insurance companies in Moldova offer health insurance coverage.
- Outpatient coverage, including visits to GP or specialists, lab tests or investigations, high-tech imaging, etc.
- Inpatient coverage includes:
- Room & board
- Medication/treatment during a stay in the hospital
- Surgery + consumables and accessories used in the surgery room
- Road ambulance / Emergency Room
- Dentistry
Private health insurance offers many advantages in addition to obligatory state health insurance programs:
- Free access to private health care institutions (hospitals and outpatient)
- Free medicines and drugs
- Dentistry
- No prior approval is required from the family doctor.
Travel Health Insurance
- Medical expenses occurred during trips abroad following accidents
- Medical expenses occurred during trips abroad following a sudden illness and an emergency
- Additional costs with the repatriation of a dead body
Life Insurance
- The primary coverage available is death benefits for any cause (including illness and accidents) and survival benefits.
- Available additional riders are:
- Permanent total disability due to accidents
- Permanent partial disability due to accidents
- Critical illness insurance
Private Pension Funds
Aragonn Grup SA is the company authorized to administer private pension funds (authorized in April 2024, but is not yet operational).
The law governing the private pension system: Law No. 198 of 20.11.2020 on Private Pension Funds. There is an opportunity for foreign investors to set up private pension funds.
Currently, the pension system functions only on Pillar 1, based on the pay-as-you-go system.
Suggested Employee Benefits Package
Based on our previous experience in this market, the most popular combination now is a package which includes:
- Group Life, Accidental Death & Dismemberment (this one settles the significant risks that might affect the individual/employee)
- Private Health Insurance (this one takes care of the day-to-day problems they might experience during or out of the working program hours)
The advantages of having such schemes in place are well-known to all employers:
- Line-up/differentiate as to concurrence conditions
- Higher degree of fidelity/commitment
- High people retention ratio: a real plus when you have qualified people
- Lower fluctuation of personnel, which means stability and lower costs
Perks
- Company car used for personal needs
- Gym membership reimbursement
- Required breaks (nap rooms, tea stations, etc.)
- Wellness activities
- Ergonomic desk accessories (like chairs and keyboards)
- Free healthy snacks
- Company fun runs
- Incentives for participation in wellness programs
- Flexible hours
- Remote or work-from-home options
- Company picnic for employees
- Time off for volunteering
- Charity donation matching
- Company-sponsored charity events
- Casual dress code
- Company retreats
- Employee of the Month recognition
- Tuition reimbursement
- Office library
- Stipends for certifications and employee development
- Paid memberships to professional organizations
- Professional recognition events
- Sponsored travel to industry conferences
Related Government Websites
- Ministry of Health
- National Office of Social Insurance
- National Health Insurance Company (administers the medical benefits)
This information on mandatory and supplemental employee benefits in Moldova is provided by Asinta’s Central and Eastern European Partner, the GrECo Group. If you need support with your benefits in the country, please contact Asinta, and we will put you in touch with the local experts at GrECo.