{"id":13947,"date":"2016-11-10T16:50:57","date_gmt":"2016-11-10T16:50:57","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/asigurarile-in-germania"},"modified":"2025-05-15T05:31:56","modified_gmt":"2025-05-15T05:31:56","slug":"asigurarile-de-sanatate-in-germania","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/asigurarile-de-sanatate-in-germania","title":{"rendered":"Asigurarile \u00een Germania"},"content":{"rendered":"\n<p><strong>Asigurarile de s\u0103n\u0103tate \u00een Germania<\/strong> &#8211; Unul dintre elementele care ar trebui s\u0103 fie pe lista de prioritati atunci c\u00e2nd ajungeti \u00een Germania, este sa va asigurati c\u0103 ave\u021bi asigurare de s\u0103n\u0103tate. Exist\u0103 dou\u0103 motive pentru acest lucru. \u00cen primul r\u00e2nd, asigurarea de s\u0103n\u0103tate este obligatorie pentru to\u021bi cei care tr\u0103iesc \u00een \u021bar\u0103. Pentru a \u00eendeplini cerin\u021bele legale, aceasta trebuie s\u0103 acopere tratamentele de spital si ambulatoriu. <\/p>\n\n\n\n<p>Trebuie de asemenea s\u0103 fie incluse anumite examene medicale standard \u0219i de acoperire a sarcinii. \u00cen al doilea r\u00e2nd, ar trebui s\u0103 tratati asigurarea medical\u0103 ca o necesitate, cum ar fi utilit\u0103\u021bile \u0219i alimentele. Sistemul german de sanatate este unul dintre cele mai bune din lume. Cu toate acestea, tratamentul medical poate fi foarte costisitoare. De asigurare depinde faptul c\u0103 veti primi tratamentul de care ave\u021bi nevoie, f\u0103r\u0103 a epuiza resursele financiare.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#sistemul-de-asigurari-sociale-de-sanatate-al-guvernului-gkv\">Sistemul de asigur\u0103ri sociale de s\u0103n\u0103tate al Guvernului (GKV)<\/a><\/li><li class=\"\"><a href=\"#asigurarile-private-de-sanatate-pkv\">Asigur\u0103rile de s\u0103n\u0103tate \u00een Germania (private)<\/a><\/li><li class=\"\"><a href=\"#cu-transfer-go-ai-grija-de-cei-dragi-oriunde-s-ar-afla\">Cu TransferGo, ai grij\u0103 de cei dragi, oriunde s-ar afla<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Sistemul german de asigur\u0103ri este un sistem destul de complex, de tip multi-platitor universal. Politicile germane trebuie s\u0103 includ\u0103 trei beneficii cheie; asigur\u0103ri de s\u0103n\u0103tate, asigurare de \u00eengrijire pe termen lung, \u0219i \u00een caz de accident.<\/p>\n\n\n\n<p>\u00cen multe cazuri, reziden\u021bii UE vor escoperi c\u0103 cardul lor european de asigur\u0103ri de s\u0103n\u0103tate (<a href=\"https:\/\/www.cardeuropean.ro\/\" target=\"_blank\" rel=\"noopener\">CEASS<\/a>) va \u00eendeplini cerin\u021bele legale pentru a tr\u0103i \u0219i munci \u00een Germania.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/www.transfergo.com\/ro\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania-1.jpg?resize=1024,576\" alt=\"asigurarile-de-sanatate-in-germania\" class=\"wp-image-248358\" srcset=\"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania-1.jpg 1920w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania-1.jpg?resize=300,169 300w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania-1.jpg?resize=768,432 768w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania-1.jpg?resize=1024,576 1024w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania-1.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Toate politicile acoper\u0103 ingrijirea la spital, la domiciliu, ingrijirea in ambulatoriu, precum si de ingrijirea dentara de baza. Medicii particulari, chirurgii, camerele de spital privat, cabinetele medicale alternative, de ingrijire a vederii si implanturile dentare nu sunt acoperite. Societ\u0103\u021bilor de asigurare le interzis sa refuze pacientii care au boli pre-existente \u0219i trebuie s\u0103 ofere o anumit\u0103 acoperire de baz\u0103 \u0219i beneficii. GKV acoper\u0103, de asemenea toate persoanele aflate \u00een \u00eentre\u021binerea dumneavoastr\u0103 care nu lucreaz\u0103.<\/p>\n\n\n\n<p>Exist\u0103 dou\u0103 tipuri principale de asigurare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sistemul-de-asigurari-sociale-de-sanatate-al-guvernului-gkv\"><strong>Sistemul de asigur\u0103ri sociale de s\u0103n\u0103tate al Guvernului (GKV)<\/strong><\/h3>\n\n\n\n<p>Majoritatea de germani fac parte din sistemul de asigur\u0103ri guvernamentale GKV. GKV este un sistem destul de complex \u0219i greu de manipulat, care a trecut printr-o serie de reforme, deoarece acesta a fost introdus \u00een 2009. Fondul este pl\u0103tit printr-o combina\u021bie a contribu\u021biilor angaja\u021bilor \u0219i angajatorilor.<\/p>\n\n\n\n<p>Contributia anuala este de 14,6% din venitul angajatului, cu fiecare parte platind jum\u0103tate. Cu toate acestea, exist\u0103 o exceptie. \u00cen cazul \u00een care costurile furnizorului de asigurare nu sunt acoperite de aceste pl\u0103\u021bi combinate, acesta poate cre\u0219te rata. Aceast\u0103 cre\u0219tere cade \u00een totalitate in sarcina angajatului \u00een conditiile in care contribu\u021bia angajatorului este limitat\u0103 la 7,3%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"asigurarile-private-de-sanatate-pkv\"><strong>Asigur\u0103rile de s\u0103n\u0103tate \u00een Germania (private)<\/strong><\/h3>\n\n\n\n<p>\u00cen general, planurile PKV acoper\u0103 o gam\u0103 mai larg\u0103 de tratamente medicale \u0219i stomatologice. Acestea ofer\u0103, de asemenea, alte avantaje, cum ar fi posibilitatea de a alege propriul medic, solicitarea unui medic care vorbe\u0219te limba matern\u0103, precum \u0219i alte servicii specializate. Mai pu\u021bin de 100 de companii de asigur\u0103ri ofer\u0103 asigur\u0103ri private in Germania \u0219i toate ofer\u0103 planuri la un cost ce depinde de beneficiile alese. Persoanele fizice care castiga mai mult de 56.000 \u20ac \u0219i cei care desf\u0103\u0219oar\u0103 activit\u0103\u021bi independente sunt eligibile s\u0103 se \u00eenscrie pentru PKV.<\/p>\n\n\n\n<p>Multi germani se \u00eenscriu atat pentru GKV cat \u0219i pentru PKV, folosind asigur\u0103rile private ca un supliment. Deoarece costurile PKV sunt in acord cu beneficiile, sunt de cele mai multe ori rezonabile.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/www.transfergo.com\/ro\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania.jpg?resize=1024,576\" alt=\"asigurarile-de-sanatate-in-germania\" class=\"wp-image-248369\" srcset=\"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania.jpg 1920w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania.jpg?resize=300,169 300w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania.jpg?resize=768,432 768w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania.jpg?resize=1024,576 1024w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/asigurarile-de-sanatate-in-germania.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cu-transfer-go-ai-grija-de-cei-dragi-oriunde-s-ar-afla\">Cu TransferGo, ai grij\u0103 de cei dragi, oriunde s-ar afla<\/h3>\n\n\n\n<p>Chiar dac\u0103 e\u0219ti departe de cas\u0103, este important s\u0103 ai grij\u0103 de s\u0103n\u0103tatea \u0219i siguran\u021ba ta \u2013 dar \u0219i de stabilitatea financiar\u0103 a celor dragi. Cu <strong><a href=\"https:\/\/www.transfergo.com\/ro\/\">TransferGo<\/a><\/strong>, po\u021bi trimite bani rapid, sigur \u0219i cu costuri reduse c\u0103tre familia ta din Rom\u00e2nia sau alte \u021b\u0103ri europene. Fie c\u0103 este vorba de acoperirea unei urgen\u021be medicale, a costurilor de trai sau a altor nevoi urgente, TransferGo \u00ee\u021bi este al\u0103turi la fiecare pas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asigurarile de s\u0103n\u0103tate \u00een Germania &#8211; Unul dintre elementele care ar trebui s\u0103 fie pe lista de prioritati atunci c\u00e2nd ajungeti \u00een Germania, este sa va asigurati c\u0103 ave\u021bi asigurare de s\u0103n\u0103tate. Exist\u0103 dou\u0103 motive pentru acest lucru. \u00cen primul r\u00e2nd, asigurarea de s\u0103n\u0103tate este obligatorie pentru to\u021bi cei care tr\u0103iesc \u00een \u021bar\u0103. Pentru a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":28787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1322],"tags":[],"business_case_studies_tags":[],"class_list":["post-13947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-viata-in-strainatate"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/ro\/asigurarile-de-sanatate-in-germania","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Asigurarile \u00een Germania","url":"http:\/\/www.transfergo.com\/ro\/asigurarile-de-sanatate-in-germania","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/asigurarile-de-sanatate-in-germania"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/Asigurarile-in-Germania.png?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/Asigurarile-in-Germania.png"},"articleSection":"Via\u021ba \u00een str\u0103in\u0103tate","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2016-11-10T16:50:57Z","datePublished":"2016-11-10T16:50:57Z","dateModified":"2025-05-15T05:31:56Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Asigurarile \\u00een Germania\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/asigurarile-de-sanatate-in-germania\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/asigurarile-de-sanatate-in-germania\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2016\\\/11\\\/Asigurarile-in-Germania.png?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2016\\\/11\\\/Asigurarile-in-Germania.png\"},\"articleSection\":\"Via\\u021ba \\u00een str\\u0103in\\u0103tate\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2016-11-10T16:50:57Z\",\"datePublished\":\"2016-11-10T16:50:57Z\",\"dateModified\":\"2025-05-15T05:31:56Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2016\/11\/Asigurarile-in-Germania.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13947","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/comments?post=13947"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13947\/revisions"}],"predecessor-version":[{"id":248380,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13947\/revisions\/248380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/28787"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=13947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=13947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=13947"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=13947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}