Quick answer: Every Romanian visa a Bangladeshi is likely to apply for — work permit (D/AM), student (D/SD) and tourist or business (C) — needs travel medical insurance of at least €30,000. The policy has to cover your whole stay and be valid across all Schengen countries. Plenty of sites still say €50,000; the Romanian government visa portal now says €30,000. Bangladeshis apply mainly through the Embassy of Romania in New Delhi.
Your work permit has come through. The agency hands you a long checklist — contract, police clearance, bank statement — and somewhere in the middle, one line: "Medical Insurance". How much? For how long? From which company? Get those answers wrong and a file can come back even after the trip to Delhi.
A lot of people now make the move from Bangladesh to Romania. Figures from Romania's immigration inspectorate (IGI) show Bangladeshis received 8,319 work permits in 2025 alone, and around 500 are studying there. This guide puts everything about the insurance side in one place.
💡 In a hurry? Get a quote now — pick "Employment (For Visa)" or "Study (Student Visa)" on the form.
How much cover each Romanian visa needs
Romania became a full Schengen member on 1 January 2025, so its insurance rules now follow the Schengen standard. This is what the Romanian government visa portal lists:
| Visa | Code | Minimum medical cover |
|---|---|---|
| Work permit / employment | D/AM (D/AM1, D/AM2) | €30,000 |
| Study | D/SD | €30,000 |
| Tourism, business, family visit (up to 90 days) | C | €30,000 |
The amount is only part of it. The policy also has to:
- Cover your whole stay — every day you will be in Romania on that visa.
- Be valid in all Schengen countries — a Romania-only policy will not do.
- Cover emergency treatment, hospitalisation and medical repatriation, including repatriation in the event of death.
€30,000 or €50,000 — which is right?
This causes more confusion than anything else. Many websites, YouTube videos and even some older embassy pages still quote €50,000 for the work visa. The visa portal of Romania's Ministry of Foreign Affairs (eviza.mae.ro) now lists a minimum of €30,000 for both work visa types, D/AM1 and D/AM2.
One rule overrides everything, though: if your appointment letter or the embassy checklist asks for more, go with that. The embassy always has the final word.
Where Bangladeshis apply
There is no Romanian visa centre in Dhaka. Visas for Bangladeshi citizens are handled by the Embassy of Romania in New Delhi. You fill in the application online on the E-VIZA portal first, then book an appointment to submit your documents in Delhi and attend an interview in English.
Since December 2025 there is one extra option: student and family reunification visas can also be lodged at Romania's missions in Kuala Lumpur, Hanoi and Bangkok. For work visas, Delhi remains the main route.
ℹ️ With the cost and time of a Delhi trip in mind, many applicants rush the insurance and get it wrong. Sort it properly before you book your Delhi ticket — there is no fixing it once you are at the counter.
Work visa (D/AM) checklist
Once your Romanian employer has completed their side (approval / work permit), this is what you provide, according to the government portal:
- Employment contract — registered in Romania's employee register (REGES-ONLINE).
- Medical insurance — minimum €30,000, covering your whole stay.
- Police clearance — translated into Romanian, English or French and legalised.
- Proof of means of support — equal to Romania's minimum gross wage for 90 days.
- Valid passport and photographs.
Checklists change from time to time, so compare against the latest one before you submit.
How long should the policy run
Work visa: it must cover the full validity of the visa. Romania's long-stay visa is typically issued for 90 days — you apply for a residence permit within that time after arriving, and once employed you are usually enrolled in Romania's health insurance system through your employer. If the embassy or employer asks for a longer policy, take the longer one.
Student visa: the whole period of stay on the visa.
Tourist / business: the full trip, from entering Romania to leaving.
On MIIPLC's quote form, choosing "Employment (For Visa)" or "Study (Student Visa)" lets you pick a term anywhere from 30 days to one year.
Three mistakes that get files stuck
1. Unchecked "package" insurance. Many agencies throw insurance in with the processing fee. Nobody checks which company issued it or whether it is genuine. A fake or under-covered certificate can sink the whole application. Whoever you buy from, make sure the certificate can be verified.
2. Romania-only cover, or too low a limit. The policy should clearly state Schengen (all Schengen countries) and €30,000.
3. Dates that do not match. The policy start and end dates must line up with the dates on your visa application. If your travel date might move, raise it before you buy.
One more thing: Bangladeshi travel (OMP) policies are normally bought before you leave, from Bangladesh. If you plan to go to Romania straight from Dubai or Malaysia, talk to us first.
Why a MIIPLC policy
- Medical cover of €30,000 for Schengen countries — shown on your quote.
- An IDRA-regulated, Shariah-based insurer with an AA credit rating.
- A QR code on every certificate — the embassy, or anyone, can scan it to confirm the policy is genuine.
- Fully online; pay by bKash, Nagad, card or internet banking, and the certificate usually arrives within minutes.
See every plan and benefit on the MIIPLC travel insurance page. For the wider Schengen rules, read our Schengen travel insurance guide.
What it costs
Any single figure quoted here would be wrong for most readers. The premium depends on three things — your age, the length of the policy, and the purpose of travel (work, study or a visit). Next to the total cost of moving to Romania, it is a very small line.
💰 Put your age, destination (Romania) and days into the quote tool and your exact figure appears straight away.
Frequently asked questions
Is insurance mandatory for a Romania work permit visa?
Yes. Medical insurance is on the D/AM work visa checklist — at least €30,000, covering your whole stay and valid in all Schengen countries.
My agency says I need €50,000 — what should I do?
The Romanian government visa portal currently lists €30,000. If the embassy asks for more on your checklist, follow the checklist.
Where do Bangladeshis apply for a Romanian visa?
At the Embassy of Romania in New Delhi. Student and family reunification visas can also be lodged in Kuala Lumpur, Hanoi or Bangkok. There is no visa centre in Dhaka.
How much insurance does a Romanian student visa need?
At least €30,000, covering the whole period of stay on the visa.
Is Romania in the Schengen Area?
Yes — a full member since 1 January 2025, so your insurance must be valid across all Schengen countries.
How long should my policy be for a work visa?
The full validity of the visa — typically 90 days. Take a longer term if the embassy or your employer asks for it.
Do I still need this policy after I arrive in Romania?
This policy covers the visa period. Once you start work and get your residence permit, you are usually enrolled in Romania's health insurance through your employer.
Is MIIPLC insurance accepted for a Romanian visa?
MIIPLC policies carry €30,000 medical cover for Schengen countries, which meets Romania's requirement, and every certificate can be verified by its QR code.
How quickly do I get the certificate?
Usually within minutes of paying online.
I am travelling from Dubai or Malaysia — can I buy from Bangladesh?
Bangladeshi OMP policies are normally bought before leaving Bangladesh. Talk to us about your situation first.
Before you go
Insurance is a small piece of paper in a Romanian visa file, but getting it wrong puts the Delhi trip, the time and the visa itself at risk. The rule is simple: €30,000, your whole stay, all Schengen countries, and a genuine policy that can be verified.
Get it done before you book the ticket to Delhi.
Disclaimer: This guide is general information only. It draws on the Romanian government visa portal (eviza.mae.ro), the Embassy of Romania in New Delhi and data published by Romania's immigration inspectorate (IGI). Visa rules change — check the embassy's latest checklist, and read your policy schedule for exact terms, limits and exclusions before buying.