{"id":13596,"date":"2021-05-31T20:16:13","date_gmt":"2021-05-31T20:16:13","guid":{"rendered":"https:\/\/www.bramex.de\/ro\/?page_id=13596"},"modified":"2026-07-06T19:02:13","modified_gmt":"2026-07-06T18:02:13","slug":"consultanta-oficiala-asigurari-germania","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/ro\/","title":{"rendered":"Asigur\u0103ri pentru expa\u021bi \u00een Germania"},"content":{"rendered":"\t\t
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\n Consultan\u021b\u0103 de asigur\u0103ri \u00een Germania<\/span>\n

\n Te ajut\u0103m s\u0103 g\u0103se\u0219ti asigurarea potrivit\u0103 ca expat \u00een Germania\n <\/h1>\n

\n La Bramex te \u00eendrum\u0103m clar \u0219i personalizat, ca s\u0103 \u0219tii exact ce asigurare ai nevoie \u00een situa\u021bia ta. Consultan\u021b\u0103 gratuit\u0103, \u00een limba ta, f\u0103r\u0103 complica\u021bii.\n <\/p>\n

\n \n G\u0103se\u0219te asigurarea mea\n <\/a>\n \n Vorbe\u0219te cu un consilier\n <\/a>\n <\/div>\n
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\n \n \n <\/path>\n <\/svg>\n <\/span>\n Brokeraj oficial \u00b7 consultan\u021b\u0103 gratuit\u0103<\/span>\n <\/div>\n
\n \n \n <\/path>\n <\/svg>\n <\/span>\n Tot procesul \u00een limba ta, \u0219i dup\u0103 semnare<\/span>\n <\/div>\n
\n \n \n <\/path>\n <\/svg>\n <\/span>\n Speciali\u0219ti \u00een expa\u021bi \u0219i str\u0103ini<\/span>\n <\/div>\n <\/div>\n <\/div>\n
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\n \"Consultan\u021b\u0103\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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Ce asigurare ai nevoie \u00een func\u021bie de situa\u021bia ta \u00een Germania<\/h2>\n

Asigurarea medical\u0103 este obligatorie \u00een Germania din prima zi, dar care \u021bi se potrive\u0219te depinde de cazul t\u0103u. G\u0103se\u0219te-l aici \u0219i \u00ee\u021bi spunem exact ce ai nevoie.<\/p>\n <\/div>\n

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<\/svg><\/div>\n Abia sosit<\/span>\n <\/div>\n

Abia ai ajuns \u0219i \u00eenc\u0103 nu lucrezi<\/h3>\n

\u00ce\u021bi cau\u021bi un loc de munc\u0103, \u00eenve\u021bi germana sau ai un Minijob. Ai nevoie de acoperire din prima zi, la un pre\u021b accesibil: asigurarea medical\u0103 temporar\u0103 este punctul t\u0103u de plecare.<\/p>\n Asigurare medical\u0103 temporar\u0103<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Angajat<\/span>\n <\/div>\n

\u00cencepi s\u0103 lucrezi ca angajat<\/h3>\n

Cu un contract de munc\u0103 intri \u00een asigurarea public\u0103 (GKV) \u0219i trebuie s\u0103 alegi o Krankenkasse. \u00ce\u021bi explic\u0103m diferen\u021bele reale dintre ele \u0219i facem \u00eenscrierea pentru tine.<\/p>\n Asigurare medical\u0103 public\u0103 (GKV)<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Freelancer<\/span>\n <\/div>\n

E\u0219ti freelancer sau lucrezi pe cont propriu<\/h3>\n

Ca Selbstst\u00e4ndig alegi \u00eentre asigurarea public\u0103 \u0219i cea privat\u0103, iar decizia \u00ee\u021bi afecteaz\u0103 cotiza\u021bia ani \u00eentregi. Te ajut\u0103m s\u0103 calculezi corect \u0219i s\u0103 \u00ee\u021bi acoperi \u0219i activitatea profesional\u0103.<\/p>\n Asigurare pentru freelanceri<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Venit mare<\/span>\n <\/div>\n

Cau\u021bi o acoperire medical\u0103 mai bun\u0103<\/h3>\n

Dac\u0103 dep\u0103\u0219e\u0219ti pragul de salariu sau lucrezi pe cont propriu, po\u021bi accesa asigurarea privat\u0103 (PKV): program\u0103ri mai rapide \u0219i beneficii superioare. Analiz\u0103m dac\u0103 merit\u0103 pentru tine.<\/p>\n Asigurare medical\u0103 privat\u0103 (PKV)<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Rezident<\/span>\n <\/div>\n

E\u0219ti deja stabilit \u00een Germania<\/h3>\n

Exist\u0103 asigur\u0103ri de care aproape orice rezident ajunge s\u0103 aib\u0103 nevoie: r\u0103spunderea civil\u0103<\/a> (indispensabil\u0103 aici), asigurarea de via\u021b\u0103<\/a> \u0219i asigurarea de locuin\u021b\u0103<\/a>.<\/p>\n R\u0103spundere civil\u0103<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Deja asigurat<\/span>\n <\/div>\n

Vrei s\u0103 schimbi sau s\u0103 verifici asigurarea<\/h3>\n

Ai deja o asigurare, dar pl\u0103te\u0219ti prea mult sau nu te convinge. \u00ce\u021bi verific\u0103m poli\u021ba, compar\u0103m alternativele \u0219i gestion\u0103m schimbarea f\u0103r\u0103 s\u0103 r\u0103m\u00e2i f\u0103r\u0103 acoperire.<\/p>\n Schimb\u0103 Krankenkasse<\/a>\n <\/article>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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Cine suntem \u0219i ce facem pentru tine?<\/h2>\n

\n Suntem un brokeraj oficial specializat \u00een asigur\u0103ri \u00een Germania<\/strong>. Ne concentr\u0103m pe ajutorul \u0219i gestionarea asigur\u0103rilor pentru str\u0103ini \u0219i expa\u021bi care au nevoie de consultan\u021b\u0103 clar\u0103 \u00eenc\u0103 de la \u00eenceput.\n <\/p>\n

\n Nu emitem asigur\u0103ri proprii: suntem intermediarii dintre companiile de asigur\u0103ri \u0219i tine.\n <\/p>\n

\n \u00ce\u021bi analiz\u0103m situa\u021bia personal\u0103 \u0219i te ajut\u0103m s\u0103 g\u0103se\u0219ti cea mai bun\u0103 op\u021biune dintre principalii asigur\u0103tori germani, f\u0103r\u0103 bariere de limb\u0103 \u0219i f\u0103r\u0103 complica\u021bii.\n <\/p>\n

\n Vrei s\u0103 ne cuno\u0219ti?<\/a>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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\n Alte produse alese de clien\u021bii no\u0219tri\n <\/h2>\n

\n Pe l\u00e2ng\u0103 asigurarea medical\u0103, te ajut\u0103m \u0219i s\u0103 \u00ee\u021bi protejezi familia, s\u0103 acoperi imprevizibilul \u0219i s\u0103 profi\u021bi de op\u021biunile de economisire \u0219i pensie adaptate situa\u021biei tale \u00een Germania.\n <\/p>\n <\/div>\n\n

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Asigurare de via\u021b\u0103<\/h3>\n

\n Dac\u0103 \u00ee\u021bi faci griji pentru viitorul familiei tale \u0219i al t\u0103u, te ajut\u0103m s\u0103 g\u0103se\u0219ti o asigurare de via\u021b\u0103 care s\u0103 v\u0103 protejeze de imprevizibil.\n <\/p>\n Mai multe informa\u021bii<\/a>\n <\/article>\n\n

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R\u0103spundere civil\u0103<\/h3>\n

\n \u00cen Germania este foarte recomandat s\u0103 ai o protec\u021bie financiar\u0103 care s\u0103 acopere daunele pe care le-ai putea provoca unui ter\u021b.\n <\/p>\n Mai multe informa\u021bii<\/a>\n <\/article>\n\n

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Planuri de economisire<\/h3>\n

\n Te \u00eendrum\u0103m ca s\u0103 po\u021bi beneficia de planurile de economisire \u0219i pensie pe care statul german \u021bi le pune la dispozi\u021bie.\n <\/p>\n Mai multe informa\u021bii<\/a>\n <\/article>\n\n <\/div>\n\n <\/div>\n<\/section>\n\n\n\n

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Cum lucr\u0103m<\/h2>\n

Ne ocup\u0103m de tot: compar\u0103m, gestion\u0103m formalit\u0103\u021bile \u0219i \u021binem birocra\u021bia german\u0103 departe de tine.<\/p>\n

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Ne spui situa\u021bia ta sau folose\u0219ti c\u0103ut\u0103torul de asigur\u0103ri<\/p>\n <\/div>\n

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Compar\u0103m asigur\u0103torii \u0219i \u00ee\u021bi propunem cea mai bun\u0103 op\u021biune pentru profilul t\u0103u<\/p>\n <\/div>\n

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Finalizezi contractarea cu ajutorul nostru, \u00een limba ta<\/p>\n <\/div>\n

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Proces\u0103m asigurarea \u00een numele t\u0103u \u0219i r\u0103m\u00e2nem al\u0103turi de tine \u0219i dup\u0103<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n C\u0103ut\u0103tor de asigur\u0103ri<\/span>\n

Nu \u0219tii sigur ce asigurare \u021bi se potrive\u0219te?<\/h2>\n

R\u0103spunde la c\u00e2teva \u00eentreb\u0103ri despre situa\u021bia ta \u00een Germania \u0219i te orient\u0103m c\u0103tre op\u021biunea potrivit\u0103. Dou\u0103 minute, f\u0103r\u0103 \u00eenregistrare \u0219i f\u0103r\u0103 obliga\u021bii.<\/p>\n

\n G\u0103se\u0219te asigurarea mea<\/a>\n <\/div>\n <\/div>\n
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G\u0103se\u0219te-\u021bi asigurarea<\/h3>\n

Un mod rapid \u0219i clar de a te orienta \u00eenainte de a semna ceva.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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De ce expa\u021bii \u00ee\u0219i fac asigur\u0103rile prin Bramex<\/h2>\n
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Brokeraj oficial \u00een Germania<\/h3>\n

Suntem un brokeraj de asigur\u0103ri \u00eenregistrat \u00een Germania. Nu emitem asigur\u0103ri proprii: suntem intermediari independen\u021bi \u0219i lucr\u0103m cu 95% dintre asigur\u0103torii germani.<\/p>\n <\/div>\n

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F\u0103r\u0103 costuri suplimentare pentru tine<\/h3>\n

Consultan\u021ba noastr\u0103 este gratuit\u0103. Pl\u0103te\u0219ti exact tariful oficial al asigur\u0103torului pe care \u00eel alegi: remunera\u021bia noastr\u0103 vine de la companie, nu din buzunarul t\u0103u.<\/p>\n <\/div>\n

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\u00cen limba ta, inclusiv literele mici<\/h3>\n

Contracte, condi\u021bii \u0219i birocra\u021bie german\u0103 explicate pe \u00een\u021belesul t\u0103u. Vei \u0219ti ce semnezi \u0219i de ce, \u00eenainte s\u0103 semnezi.<\/p>\n <\/div>\n

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R\u0103m\u00e2nem al\u0103turi de tine \u0219i dup\u0103 semnare<\/h3>\n

Facturi, schimb\u0103ri de adres\u0103, re\u00eennoiri, rezilieri: gestion\u0103m problemele asigur\u0103rii tale c\u00e2t timp e\u0219ti client. Nu disp\u0103rem dup\u0103 semn\u0103tur\u0103.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n Bramex<\/span>\n

Speciali\u0219ti \u00een asigur\u0103ri \u00een Germania<\/h2>\n
\n \"Ronald\n
\n Ronald Seifart<\/strong>\n Manager \u0219i consilier la Bramex<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n
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\n C\u00e2nd scrii la Bramex, nu \u00ee\u021bi r\u0103spunde un formular sau un call center<\/strong>: \u00ee\u021bi r\u0103spunde un consilier cu nume \u0219i prenume, care \u00ee\u021bi cunoa\u0219te cazul de la \u00eenceput p\u00e2n\u0103 la sf\u00e2r\u0219it.\n <\/p>\n

\n Ronald \u0219i echipa au ani de experien\u021b\u0103 al\u0103turi de expa\u021bii din Germania \u0219i \u0219tiu unde sunt \u00eendoielile adev\u0103rate: ce acoper\u0103 fiecare tarif, ce litere mici conteaz\u0103 \u0219i ce se potrive\u0219te situa\u021biei tale<\/strong> \u2014 s\u0103n\u0103tate, locuin\u021b\u0103, via\u021b\u0103 sau un plan de economisire.\n <\/p>\n

\n Obiectivul nostru este s\u0103 iei fiecare decizie \u00een\u021beleg\u00e2nd ce contractezi<\/strong>, iar dup\u0103 semn\u0103tur\u0103 s\u0103 ai \u00een continuare aceea\u0219i persoan\u0103 de partea cealalt\u0103.\n <\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n\n

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Ce spun al\u021bi expa\u021bi<\/h2>\n

Recenzii reale ale clien\u021bilor pe Google (traduse din spaniol\u0103)<\/p>\n

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\"<\/div>\n
Serviciu excelent. Super rapid, super amabil \u0219i le pas\u0103 cu adev\u0103rat de situa\u021bia ta. Mai mult dec\u00e2t recunosc\u0103tor.<\/blockquote>\n
\n AC<\/span>\n Ailin Chionda<\/span>\n <\/figcaption>\n <\/figure>\n\n
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\"<\/div>\n
Un membru al familiei avea nevoie de asigurare medical\u0103 \u00een Germania. Bramex m-a ajutat cu amabilitate \u0219i m-a sf\u0103tuit cum s\u0103 ob\u021bin documentul necesar. Apreciez \u0219i recomand serviciile Bramex.<\/blockquote>\n
\n JD<\/span>\n Javier Diaz<\/span>\n <\/figcaption>\n <\/figure>\n\n
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\"<\/div>\n
Profesioni\u0219ti, aten\u021bi \u0219i umani. M\u0103 sf\u0103tuiesc perfect \u00een toate detaliile alegerii unei asigur\u0103ri de s\u0103n\u0103tate \u0219i \u00eemi ofer\u0103 instrumentele pentru a lua decizia corect\u0103. Un serviciu 100% de recomandat.<\/blockquote>\n
\n LH<\/span>\n Luis de la Hoz<\/span>\n <\/figcaption>\n <\/figure>\n\n <\/div>\n
\n Vezi recenziile pe Google<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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\u00centreb\u0103ri frecvente despre asigur\u0103rile din Germania<\/h2>\n
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\n Ce asigur\u0103ri sunt obligatorii pentru a locui \u00een Germania?<\/summary>\n
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Singura asigurare obligatorie prin lege pentru to\u021bi reziden\u021bii este asigurarea medical\u0103<\/strong>, din prima zi de reziden\u021b\u0103. R\u0103spunderea civil\u0103<\/a> (Haftpflichtversicherung) nu este obligatorie, dar este at\u00e2t de r\u0103sp\u00e2ndit\u0103 \u00eenc\u00e2t mul\u021bi proprietari o consider\u0103 de la sine \u00een\u021beleas\u0103, iar costul ei este foarte mic. Restul depinde de situa\u021bia ta personal\u0103 \u0219i familial\u0103.<\/p>\n <\/div>\n <\/details>\n\n

\n Ce asigurare medical\u0103 mi se potrive\u0219te: public\u0103, privat\u0103 sau temporar\u0103?<\/summary>\n
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Depinde de situa\u021bia ta profesional\u0103. Dac\u0103 lucrezi ca angajat, \u00een mod normal intri \u00een asigurarea public\u0103 (GKV)<\/a>. Dac\u0103 dep\u0103\u0219e\u0219ti pragul anual de salariu, lucrezi pe cont propriu sau e\u0219ti func\u021bionar public, po\u021bi opta pentru asigurarea privat\u0103 (PKV)<\/a>. Iar dac\u0103 abia ai ajuns \u0219i \u00eenc\u0103 nu lucrezi, asigurarea temporar\u0103<\/a> te acoper\u0103 p\u00e2n\u0103 se clarific\u0103 situa\u021bia ta. \u00ce\u021bi analiz\u0103m cazul gratuit \u0219i \u00ee\u021bi spunem care \u021bi se potrive\u0219te.<\/p>\n <\/div>\n <\/details>\n\n

\n C\u00e2t cost\u0103 consultan\u021ba Bramex?<\/summary>\n
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Nimic. Vei pl\u0103ti exact tariful oficial al asigur\u0103torului<\/strong> pe care \u00eel contractezi, acela\u0219i ca \u0219i cum ai merge direct la companie. Remunera\u021bia noastr\u0103 vine de la asigur\u0103tori, ceea ce ne permite s\u0103 \u00eei compar\u0103m \u00een mod independent.<\/p>\n <\/div>\n <\/details>\n\n

\n Pot face tot procesul \u00een limba mea?<\/summary>\n
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Da. Tot procesul este \u00een limba ta: consulta\u021bia ini\u021bial\u0103, compararea tarifelor, contractarea \u0219i gestiunile ulterioare (facturi, schimb\u0103ri de adres\u0103, re\u00eennoiri sau rezilieri). \u00ce\u021bi explic\u0103m pe \u00een\u021belesul t\u0103u \u0219i documentele pe care asigur\u0103torii \u021bi le trimit \u00een german\u0103.<\/p>\n <\/div>\n <\/details>\n\n

\n Lucra\u021bi cu to\u021bi asigur\u0103torii germani?<\/summary>\n
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Lucr\u0103m cu 95% dintre companiile de asigur\u0103ri germane<\/strong>, printre care TK, Allianz, AOK, HanseMerkur, Universa, N\u00fcrnberger sau Hallesche. Ca brokeraj independent, nu emitem asigur\u0103ri proprii: compar\u0103m pia\u021ba \u0219i \u00ee\u021bi recomand\u0103m op\u021biunea cu cel mai bun raport calitate\/pre\u021b pentru profilul t\u0103u.<\/p>\n <\/div>\n <\/details>\n\n <\/div>\n <\/div>\n<\/section>\n\n