{"id":35670,"date":"2025-10-21T13:38:56","date_gmt":"2025-10-21T12:38:56","guid":{"rendered":"https:\/\/www.bramex.de\/en\/?page_id=35670"},"modified":"2025-10-21T14:19:02","modified_gmt":"2025-10-21T13:19:02","slug":"savings-options-germany-c","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/savings-options-germany-c\/","title":{"rendered":"Savings options in Germany_ref c"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"35670\" class=\"elementor elementor-35670\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18b5416 e-flex e-con-boxed e-con e-parent\" data-id=\"18b5416\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c86b26d e-con-full e-flex e-con e-child\" data-id=\"c86b26d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60dc1bf elementor-widget elementor-widget-heading\" data-id=\"60dc1bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Plan ahead.<br>\nSave more.<br>\nSpend less.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-956eea1 elementor-widget elementor-widget-text-editor\" data-id=\"956eea1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Take advantage of smart saving opportunities and plan your financial future in Germany.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5557da5 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"5557da5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:&quot;1250&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aca5370 elementor-widget elementor-widget-image\" data-id=\"aca5370\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/Development-Logo-big.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7021852 animated-fast e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"7021852\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_tablet&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:&quot;600&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-41c5e9f e-con-full e-flex e-con e-child\" data-id=\"41c5e9f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b53252d e-flex e-con-boxed e-con e-child\" data-id=\"b53252d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78573bf elementor-widget elementor-widget-heading\" data-id=\"78573bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Official Insurance Brokerage in Germany<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29dc83a elementor-widget elementor-widget-heading\" data-id=\"29dc83a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">We provide free advice<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae6c9f9 elementor-widget elementor-widget-spacer\" data-id=\"ae6c9f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d232b96 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d232b96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.bramex.de\/en\/form-savings-germany-c\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c50bb9 e-flex e-con-boxed e-con e-parent\" data-id=\"4c50bb9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-02eb679 e-con-full e-flex e-con e-child\" data-id=\"02eb679\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ddcac6 elementor-widget elementor-widget-image\" data-id=\"8ddcac6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"533\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/seguro-privado-calculo-1024x533.png\" class=\"attachment-large size-large wp-image-27177\" alt=\"seguro privado calculo\" srcset=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/seguro-privado-calculo-1024x533.png 1024w, https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/seguro-privado-calculo-300x156.png 300w, https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/seguro-privado-calculo-768x400.png 768w, https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/seguro-privado-calculo-1536x800.png 1536w, https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/seguro-privado-calculo.png 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60a04c0 e-con-full e-flex e-con e-child\" data-id=\"60a04c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d33568 elementor-widget elementor-widget-heading\" data-id=\"9d33568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Health Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c49dd6 elementor-widget elementor-widget-text-editor\" data-id=\"7c49dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Review your current plan \u2014 we\u2019ll explain the conditions, answer all your questions, and help you choose the option that best fits your needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fcedd3 elementor-widget elementor-widget-button\" data-id=\"9fcedd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#calculoPKVen\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63cd98d e-flex e-con-boxed e-con e-parent\" data-id=\"63cd98d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ca77178 e-con-full e-flex e-con e-child\" data-id=\"ca77178\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df9d16f elementor-widget elementor-widget-heading\" data-id=\"df9d16f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tax-Saving Plans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50f7d1e elementor-widget elementor-widget-text-editor\" data-id=\"50f7d1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Start saving and plan your future. Take advantage of German tax benefits and make your money work harder for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27d1e3c elementor-widget elementor-widget-button\" data-id=\"27d1e3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#ahorroimpuestosen\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9815e1 e-con-full e-flex e-con e-child\" data-id=\"c9815e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da60ef2 elementor-widget elementor-widget-image\" data-id=\"da60ef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"470\" height=\"600\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/lebensversicherung.png\" class=\"attachment-large size-large wp-image-31959\" alt=\"\" srcset=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/lebensversicherung.png 470w, https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/lebensversicherung-235x300.png 235w\" sizes=\"(max-width: 470px) 100vw, 470px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-100b056 e-flex e-con-boxed e-con e-parent\" data-id=\"100b056\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-276e5aa e-con-full e-flex e-con e-child\" data-id=\"276e5aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb3860 elementor-widget elementor-widget-menu-anchor\" data-id=\"7cb3860\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"calculoPKVen\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09e0920 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"09e0920\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calculate Your Insurance Cost<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9c8774 elementor-widget elementor-widget-spacer\" data-id=\"e9c8774\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bdb253 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"7bdb253\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;400&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Just fill out the form and you\u2019ll instantly see your estimated result.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7e7d1b elementor-widget elementor-widget-shortcode\" data-id=\"f7e7d1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><style>\r\n\t.comparador-wrapper {\r\n\t\tfont-family: sans-serif;\r\n\t\tcolor: #1c244b;\r\n\t\tbackground: #fff;\r\n\t\tborder-radius: 10px;\r\n\t\tpadding: 20px;\r\n\t\tmax-width: 600px;\r\n\t\tmargin: 0 auto;\r\n\t}\r\n\t.comparador-wrapper label,\r\n\t.comparador-wrapper select {\r\n\t\tdisplay: block;\r\n\t\twidth: 100%;\r\n\t\tmargin-bottom: 15px;\r\n\t\tfont-size: 16px;\r\n\t}\r\n\t.comparador-wrapper select {\r\n\t\tpadding: 10px;\r\n\t\tborder-radius: 5px;\r\n\t\tborder: 1px solid #ccc;\r\n\t}\r\n\t.comparador-mensaje {\r\n\t\tbackground: #ffb905;\r\n\t\tpadding: 15px;\r\n\t\tborder-radius: 5px;\r\n\t\tmargin-top: 20px;\r\n\t\tfont-weight: bold;\r\n\t}\r\n\t.comparador-resultados {\r\n\t\tdisplay: flex;\r\n\t\tjustify-content: space-between;\r\n\t\tmargin-top: 20px;\r\n\t\tpadding: 15px;\r\n\t\tbackground-color: #f0f0f0;\r\n\t\tborder-radius: 5px;\r\n\t}\r\n\t.comparador-resultados div {\r\n\t\twidth: 48%;\r\n\t\tpadding: 10px;\r\n\t\tborder-radius: 5px;\r\n\t}\r\n\t.privado {\r\n\t\tbackground-color: #fff4c1;\r\n\t}\r\n\t.publico {\r\n\t\tbackground-color: #d3f9d8;\r\n\t}\r\n\t.comparador-texto-explicativo {\r\n\t\tbackground-color: #fff4c1;\r\n\t\tpadding: 20px;\r\n\t\tmargin-top: 20px;\r\n\t\tborder-radius: 5px;\r\n\t}\r\n\t.comparador-texto-contacto {\r\n\t\tbackground-color: #ffb905;\r\n\t\tpadding: 20px;\r\n\t\tmargin-top: 10px;\r\n\t\tborder-radius: 5px;\r\n\t\tfont-weight: bold;\r\n\t\tfont-size: 20px;\r\n\t}\r\n\t.comparador-boton-formulario {\r\n\t\tdisplay: inline-block;\r\n\t\tbackground-color: #ffb905;\r\n\t\tcolor: #1c244b;\r\n\t\tfont-weight: bold;\r\n\t\tpadding: 12px 20px;\r\n\t\tmargin-top: 20px;\r\n\t\tborder-radius: 8px;\r\n\t\ttext-decoration: none;\r\n\t\ttransition: all 0.3s ease;\r\n\t}\r\n\t.comparador-boton-formulario:hover {\r\n\t\tbackground-color: #1c244b;\r\n\t\tcolor: #ffffff;\r\n\t}\r\n<\/style>\r\n\r\n<div class=\"comparador-wrapper\" id=\"comparador_en\">\r\n\t<label for=\"working_en\">Are you currently working?<\/label>\r\n\t<select id=\"working_en\">\r\n\t\t<option value=\"\">Select...<\/option>\r\n\t\t<option value=\"yes\">Yes<\/option>\r\n\t\t<option value=\"no\">No<\/option>\r\n\t<\/select>\r\n\r\n\t<div id=\"step2_en\" style=\"display:none;\">\r\n\t\t<label for=\"status_en\">What is your work situation?<\/label>\r\n\t\t<select id=\"status_en\">\r\n\t\t\t<option value=\"\">Select...<\/option>\r\n\t\t\t<option value=\"employee\">I am an employee<\/option>\r\n\t\t\t<option value=\"freelancer\">I am a freelancer<\/option>\r\n\t\t<\/select>\r\n\t<\/div>\r\n\r\n\t<div id=\"step3_en\" style=\"display:none;\">\r\n\t\t<label for=\"salary_en\">What is your gross monthly salary?<\/label>\r\n\t\t<select id=\"salary_en\">\r\n\t\t\t<option value=\"\">Select...<\/option>\r\n\t\t\t<option value=\"less\">Less than \u20ac6,150<\/option>\r\n\t\t\t<option value=\"more\">\u20ac6,150 or more<\/option>\r\n\t\t<\/select>\r\n\t<\/div>\r\n\r\n\t<div id=\"step4_en\" style=\"display:none;\">\r\n\t\t<label for=\"age_en\">What is your age?<\/label>\r\n\t\t<select id=\"age_en\">\r\n\t\t\t<option value=\"\">Select...<\/option>\r\n\t\t\t<option value=\"25\">25 years<\/option>\r\n\t\t\t<option value=\"26\">26 years<\/option>\r\n\t\t\t<option value=\"27\">27 years<\/option>\r\n\t\t\t<option value=\"28\">28 years<\/option>\r\n\t\t\t<option value=\"29\">29 years<\/option>\r\n\t\t\t<option value=\"30\">30 years<\/option>\r\n\t\t\t<option value=\"31\">31 years<\/option>\r\n\t\t\t<option value=\"32\">32 years<\/option>\r\n\t\t\t<option value=\"33\">33 years<\/option>\r\n\t\t\t<option value=\"34\">34 years<\/option>\r\n\t\t\t<option value=\"35\">35 years<\/option>\r\n\t\t\t<option value=\"36\">36 years<\/option>\r\n\t\t\t<option value=\"37\">37 years<\/option>\r\n\t\t\t<option value=\"38\">38 years<\/option>\r\n\t\t\t<option value=\"39\">39 years<\/option>\r\n\t\t\t<option value=\"40\">40 years<\/option>\r\n\t\t\t<option value=\"41\">41 years<\/option>\r\n\t\t\t<option value=\"42\">42 years<\/option>\r\n\t\t\t<option value=\"43\">43 years<\/option>\r\n\t\t\t<option value=\"44\">44 years<\/option>\r\n\t\t\t<option value=\"45\">45 years<\/option>\r\n\t\t\t<option value=\"46\">46 years<\/option>\r\n\t\t\t<option value=\"47\">47 years<\/option>\r\n\t\t\t<option value=\"48\">48 years<\/option>\r\n\t\t\t<option value=\"49\">49 years<\/option>\r\n\t\t\t<option value=\"50\">50 years<\/option>\r\n\t\t<\/select>\r\n\t<\/div>\r\n\r\n\t<div id=\"message_en\" class=\"comparador-mensaje\" style=\"display:none;\"><\/div>\r\n\r\n\t<div id=\"result_en\" style=\"display:none;\">\r\n\t\t<div class=\"comparador-resultados\">\r\n\t\t\t<div class=\"privado\">\r\n\t\t\t\t<strong>ESTIMATED PRIVATE INSURANCE COST<\/strong><br>\r\n\t\t\t\t<span id=\"private_en\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"publico\">\r\n\t\t\t\t<strong>ESTIMATED PUBLIC INSURANCE COST<\/strong><br>\r\n\t\t\t\t550\u20ac\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t<div class=\"comparador-texto-explicativo\">\r\n\t\t\tThis comparison is intended to give you a first rough idea of the approximate cost of private health insurance in Germany. Each case must be reviewed individually. Contact us and we will provide information and quotes from several insurers, along with the coverages they offer. <br><br>\r\n\t\t\t<strong>Personalised, free, no-obligation advice.<\/strong>\r\n\t\t<\/div>\r\n\t\t<div class=\"comparador-texto-contacto\">\r\n\t\t\tI would like free, no-obligation advice about private health insurance (please complete the form below):\r\n\t\t<\/div>\r\n\t\t<a class=\"comparador-boton-formulario\" href=\"https:\/\/www.bramex.de\/en\/form-savings-germany-c\/\">Go to the form<\/a>\r\n\t<\/div>\r\n<\/div>\r\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0d2e99 e-con-full e-flex e-con e-child\" data-id=\"f0d2e99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bac3bcd animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"bac3bcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;400&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1679b72 elementor-widget elementor-widget-text-editor\" data-id=\"1679b72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p data-start=\"121\" data-end=\"251\">We offer you the possibility to learn more about the approximate cost of private health insurance compared to the public system.<\/p><p data-start=\"253\" data-end=\"474\">Please note that <strong data-start=\"270\" data-end=\"411\">private health insurance is only available to employees earning at least \u20ac6,150 gross per month (or \u20ac73,800 per year \u2014 \u20ac77,400 from 2026)<\/strong> and to <strong data-start=\"419\" data-end=\"450\">self-employed professionals<\/strong> (with no income limit).<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-287964f e-flex e-con-boxed e-con e-parent\" data-id=\"287964f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e148359 e-con-full e-flex e-con e-child\" data-id=\"e148359\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34a73ef elementor-widget elementor-widget-heading\" data-id=\"34a73ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Coverage: GKV vs. PKV<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f48d72f elementor-widget elementor-widget-spacer\" data-id=\"f48d72f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3823828 elementor-widget elementor-widget-text-editor\" data-id=\"3823828\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1062\" data-end=\"1280\">In general, the <strong data-start=\"1322\" data-end=\"1345\">public system (GKV)<\/strong> covers doctor visits, treatments, and hospital stays, similar to most other countries.<br data-start=\"1432\" data-end=\"1435\" \/>However, <strong data-start=\"1444\" data-end=\"1471\">private insurance (PKV)<\/strong> offers significantly broader benefits:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6a6905 e-con-full e-flex e-con e-child\" data-id=\"b6a6905\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7618ea elementor-widget elementor-widget-n-accordion\" data-id=\"b7618ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1920\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1920\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Superior dental coverage <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1920\" class=\"elementor-element elementor-element-5a9b912 e-con-full e-flex e-con e-child\" data-id=\"5a9b912\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce1b10d elementor-widget elementor-widget-text-editor\" data-id=\"ce1b10d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many private insurance plans cover high-end dental treatments \u2014 such as implants, ceramic crowns, and advanced prosthetics \u2014 at much higher reimbursement rates, well above the legal standard.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1921\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1921\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Private treatments and priority care in hospitals <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1921\" class=\"elementor-element elementor-element-01fdc8d e-con-full e-flex e-con e-child\" data-id=\"01fdc8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd56b4b elementor-widget elementor-widget-text-editor\" data-id=\"cd56b4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Private patients often have the option to receive treatment from the <strong data-start=\"399\" data-end=\"428\">head physician (Chefarzt)<\/strong> when hospitalized.<\/li><li>They can also stay in <strong data-start=\"472\" data-end=\"498\">single or double rooms<\/strong> instead of shared hospital wards.<\/li><li>Waiting times for appointments and procedures are generally shorter.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1922\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1922\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Greater access to new therapies and medical innovations <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1922\" class=\"elementor-element elementor-element-7aa5a70 e-flex e-con-boxed e-con e-child\" data-id=\"7aa5a70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb2e113 elementor-widget elementor-widget-text-editor\" data-id=\"fb2e113\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Private policyholders frequently have access to <strong data-start=\"655\" data-end=\"705\">innovative medical treatments and technologies<\/strong> that may not be covered by public health insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1923\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1923\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Freedom to choose your doctors, specialists, and clinics <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1923\" class=\"elementor-element elementor-element-ebdb230 e-flex e-con-boxed e-con e-child\" data-id=\"ebdb230\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84f5e75 elementor-widget elementor-widget-text-editor\" data-id=\"84f5e75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>They usually enjoy <strong data-start=\"780\" data-end=\"831\">direct access to specialists without a referral<\/strong> and can choose the <strong data-start=\"851\" data-end=\"873\">clinic or hospital<\/strong> they prefer (depending on the terms of their contract), rather than being limited to the routes established by public insurers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1924\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1924\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> International medical coverage (outside the EU) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1924\" class=\"elementor-element elementor-element-1d9a1b8 e-flex e-con-boxed e-con e-child\" data-id=\"1d9a1b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dc2aad elementor-widget elementor-widget-text-editor\" data-id=\"2dc2aad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some private plans also include <strong data-start=\"1037\" data-end=\"1073\">coverage while travelling abroad<\/strong>, offering great value for people who travel frequently.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76be602 e-flex e-con-boxed e-con e-parent\" data-id=\"76be602\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a2ca7c elementor-widget elementor-widget-heading\" data-id=\"4a2ca7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">When can I switch to private health insurance?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bca41dc elementor-widget elementor-widget-spacer\" data-id=\"bca41dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a9021c elementor-widget elementor-widget-text-editor\" data-id=\"0a9021c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can change your insurance provider within a <strong data-start=\"1876\" data-end=\"1896\">two-month period<\/strong>, usually by giving <strong data-start=\"1916\" data-end=\"1935\">60 days\u2019 notice<\/strong>.<br data-start=\"1936\" data-end=\"1939\" \/>If you don\u2019t yet have health insurance, you can join a private plan immediately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ea984f e-flex e-con-boxed e-con e-parent\" data-id=\"5ea984f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-81be29c e-con-full e-flex e-con e-child\" data-id=\"81be29c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a084edd elementor-widget elementor-widget-menu-anchor\" data-id=\"a084edd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"ahorroimpuestosen\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d4d101 elementor-widget elementor-widget-heading\" data-id=\"6d4d101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Save on taxes and build your future<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d72cd7d e-con-full e-flex e-con e-child\" data-id=\"d72cd7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cabf24f elementor-widget elementor-widget-text-editor\" data-id=\"cabf24f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3495\" data-end=\"3722\">Since <strong data-start=\"2076\" data-end=\"2084\">2005<\/strong>, German law has made it possible to combine <strong data-start=\"2129\" data-end=\"2165\">tax savings with wealth creation<\/strong>.<br data-start=\"2166\" data-end=\"2169\" \/>The goal is to help both employees and self-employed professionals build capital that provides monthly income in retirement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82c419d e-flex e-con-boxed e-con e-parent\" data-id=\"82c419d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e702a07 e-con-full e-flex e-con e-child\" data-id=\"e702a07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94e5f70 elementor-widget elementor-widget-image\" data-id=\"94e5f70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"550\" height=\"550\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/PKV-Versicherung.png\" class=\"attachment-large size-large wp-image-31859\" alt=\"PKV Versicherung\" srcset=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/PKV-Versicherung.png 550w, https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/PKV-Versicherung-300x300.png 300w, https:\/\/www.bramex.de\/wp-content\/uploads\/2024\/04\/PKV-Versicherung-150x150.png 150w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea7c8d3 e-con-full e-flex e-con e-child\" data-id=\"ea7c8d3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce89d29 elementor-widget elementor-widget-text-editor\" data-id=\"ce89d29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3724\" data-end=\"3898\">For every <strong data-start=\"2305\" data-end=\"2313\">\u20ac100<\/strong> you invest each month,<br data-start=\"2336\" data-end=\"2339\" \/>you can save about <strong data-start=\"2358\" data-end=\"2374\">\u20ac40 in taxes<\/strong>.<br data-start=\"2375\" data-end=\"2378\" \/>In practice, you contribute <strong data-start=\"2406\" data-end=\"2413\">\u20ac60<\/strong>, but <strong data-start=\"2419\" data-end=\"2427\">\u20ac100<\/strong> is invested on your behalf.<\/p><p data-start=\"3900\" data-end=\"3963\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dcf697b e-flex e-con-boxed e-con e-parent\" data-id=\"dcf697b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1e65765 e-con-full e-flex e-con e-child\" data-id=\"1e65765\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-928e23a elementor-widget elementor-widget-text-editor\" data-id=\"928e23a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At <strong data-start=\"2465\" data-end=\"2480\">Bramex e.K.<\/strong>, we help you <strong data-start=\"2494\" data-end=\"2538\">compare options, optimize your insurance<\/strong>, and <strong data-start=\"2544\" data-end=\"2592\">discover how to reduce your taxes in Germany<\/strong>.<br data-start=\"2593\" data-end=\"2596\" \/>Our team provides <strong data-start=\"2614\" data-end=\"2658\">clear, friendly, and non-binding advice.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1447595 e-con-full e-flex e-con e-child\" data-id=\"1447595\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7173002 elementor-widget elementor-widget-button\" data-id=\"7173002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.bramex.de\/en\/form-savings-germany-c\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request your free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Plan ahead. Save more. Spend less. Take advantage of smart saving opportunities and plan your financial future in Germany. Official Insurance Brokerage in Germany We provide free advice Contact us Health Insurance Review your current plan \u2014 we\u2019ll explain the conditions, answer all your questions, and help you choose the option that best fits your &#8230; <a title=\"Savings options in Germany_ref c\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/en\/savings-options-germany-c\/\" aria-label=\"Read more about Savings options in Germany_ref c\">Read more<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-35670","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Savings options in Germany_ref c<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bramex.de\/en\/savings-options-germany-c\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Savings options in Germany_ref c\" \/>\n<meta property=\"og:description\" content=\"Plan ahead. 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Save more. Spend less. Take advantage of smart saving opportunities and plan your financial future in Germany. Official Insurance Brokerage in Germany We provide free advice Contact us Health Insurance Review your current plan \u2014 we\u2019ll explain the conditions, answer all your questions, and help you choose the option that best fits your ... 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