The Role and Importance of the Social Insurances National Public System in Romania

In the world insurances exist only due to the benefits of employees. This simple truth is sometimes neglected. Debates on social insurances are often focused on political and technical problems like risks division, solidarity, insurances system management. Although these aspects are important for operating on an equitable basis of the social insurances system, the key problem remains the problems of the insured benefits or the answer to the question: what do consumers want and what are their needs? For answering to this question, in some countries, political decision makers have tried to introduce the market elements in social insurances, as well as in other public fields. Still, the benefits have been excluded to a great extent, as in other public fields. Still, benefits have been mostly excluded from the consumer’s right to choose.