In Moldova, healthcare is the number one benefit people care about, as employees are interested in better and more comprehensive health cover than is offered by the state. Healthcare is considered to be better in private clinics. However, only 5 of the 15 insurance companies in Moldova supply health insurance coverage.
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When asked to rank three other common benefits in order of importance, the average Moldavian employee will respond with: Disability, Death, and Retirement.
Prices in the healthcare market are increasing with about 30-40% compared to last year, because of inflation of medical expenses.
Average Cost For Employer Sponsored Benefits
The average monthly cost for a typical benefits package is between 250 and 300 Euros.
Special attention needs to be given to taxation. The expenses of facultative health insurance are only partially exempt from taxation, i.e. corresponding to 50% of the premium for obligatory sate insurance.
There are significant changes in the insurance market with some large insurers leaving the market or struggling to survive, so attention must be paid to the financial soundness of the insurers previously considered trustworthy.
A surprising aspect of Moldavian health insurance is the low limits and the fact that there are some unexpected limitations and exclusions.