<style id="elementor-post-37930">.elementor-37930 .elementor-element.elementor-element-8e9c413{--display:flex;}</style>{"id":37930,"date":"2026-05-04T13:58:38","date_gmt":"2026-05-04T12:58:38","guid":{"rendered":"https:\/\/www.bramex.de\/ro\/?page_id=37930"},"modified":"2026-09-17T09:24:57","modified_gmt":"2026-09-17T08:24:57","slug":"asigurare-publica-vs-privata-germania","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/ro\/asigurare-publica-vs-privata-germania\/","title":{"rendered":"Asigurare Public\u0103 vs Privat\u0103 \u00een Germania \u2014 Care \u021bi se Potrive\u0219te?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"37930\" class=\"elementor elementor-37930 elementor-26114\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e9c413 e-con-full e-flex e-con e-parent\" data-id=\"8e9c413\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f60e62a elementor-widget elementor-widget-html\" data-id=\"f60e62a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"brx-service-hero brx-service-hero--right\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/seguro-privado-calculo.png');\">\n    <div class=\"brx-service-hero__container\">\n      <div class=\"brx-service-hero__inner\">\n        <div class=\"brx-service-hero__card\">\n          <span class=\"brx-service-hero__eyebrow\">ASIGURARE PUBLIC\u0102 VS PRIVAT\u0102 \u00b7 GERMANIA<\/span>\n          <h1 class=\"brx-service-hero__title\">Calculeaz\u0103 dac\u0103 \u021bi se potrive\u0219te asigurarea de s\u0103n\u0103tate public\u0103 sau privat\u0103 \u00een Germania<\/h1>\n          <p class=\"brx-service-hero__text\">Analiz\u0103m situa\u021bia ta personal\u0103 \u0219i te ajut\u0103m s\u0103 decizi care op\u021biune este mai bun\u0103 pentru tine. Compara\u021bie clar\u0103, f\u0103r\u0103 obliga\u021bii \u0219i cu consultan\u021b\u0103 \u00een limba ta.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a href=\"https:\/\/bramexplus.com\/en\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\">Vezi comparatorul complet pe Bramex Plus<\/a>\n            <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--white\">Solicit\u0103 consultan\u021b\u0103<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Orientare gratuit\u0103<\/strong> \u00b7 Te ajut\u0103m s\u0103 alegi cea mai bun\u0103 op\u021biune pentru profilul t\u0103u<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-cpp-bramexplus\">\n      <div class=\"brx-cpp-bramexplus__content\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2026\/05\/Captura-de-pantalla-2026-05-01-a-las-12.23.53.png\" alt=\"Bramex Plus\" class=\"brx-cpp-bramexplus__logo\">\n        <h2 class=\"brx-cpp-bramexplus__title\">Cau\u021bi tarife reale pentru asigurarea privat\u0103 de s\u0103n\u0103tate \u00een Germania?<\/h2>\n        <p class=\"brx-cpp-bramexplus__text\">Pe <strong>Bramex Plus<\/strong> g\u0103se\u0219ti un comparator complet de asigur\u0103ri private, cu tarife actualizate, acoperiri detaliate \u0219i consultan\u021b\u0103 specializat\u0103. Este platforma noastr\u0103 dedicat\u0103 exclusiv asigur\u0103rii private de s\u0103n\u0103tate (PKV) din Germania.<\/p>\n        <div class=\"brx-cpp-bramexplus__features\">\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Tarife reale ale principalilor asigur\u0103tori priva\u021bi<\/div>\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Comparator complet \u0219i actualizat<\/div>\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Consultan\u021b\u0103 personalizat\u0103 \u00een limba rom\u00e2n\u0103<\/div>\n          <div class=\"brx-cpp-bramexplus__feature\"><span>\u2705<\/span> Acoperiri detaliate \u00een func\u021bie de profil \u0219i v\u00e2rst\u0103<\/div>\n        <\/div>\n        <a href=\"https:\/\/bramexplus.com\/en\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\" style=\"margin-top:8px; display:inline-block;\">Mergi la Bramex Plus \u2192<\/a>\n      <\/div>\n      <div class=\"brx-cpp-bramexplus__badge\">\n        <div class=\"brx-cpp-bramexplus__badge-inner\">\n          <div class=\"brx-cpp-bramexplus__badge-icon\">\ud83d\udd0d<\/div>\n          <p>Pentru o analiz\u0103 exact\u0103 a cazului t\u0103u, <strong>Bramex Plus<\/strong> este cel mai complet instrument pe care \u00eel avem.<\/p>\n          <p class=\"brx-cpp-bramexplus__badge-note\">Comparatorul de pe aceast\u0103 pagin\u0103 ofer\u0103 cifre <strong>orientative<\/strong>. Pe Bramex Plus g\u0103se\u0219ti datele reale.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Comparator orientativ: asigurare public\u0103 vs privat\u0103<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:12px;\">Introdu datele tale pentru a vedea o estimare a costului aproximativ al fiec\u0103rei op\u021biuni.<\/p>\n    <div class=\"brx-cpp-disclaimer-top\">\n      \u26a0\ufe0f Cifrele de mai jos sunt <strong>orientative<\/strong>. Pentru tarife exacte ale asigur\u0103rii private, viziteaz\u0103 <a href=\"https:\/\/bramexplus.com\" target=\"_blank\" rel=\"noopener\">Bramex Plus<\/a>.\n    <\/div>\n\n    <div class=\"brx-cpp-calc\">\n      <div class=\"brx-cpp-calc__form\">\n        <div class=\"brx-cpp-calc__field\">\n          <label class=\"brx-cpp-calc__label\">Lucrezi \u00een prezent?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_trabajando\" value=\"si\" onclick=\"cppUpdate()\"> Da<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_trabajando\" value=\"no\" onclick=\"cppUpdate()\"> Nu<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_laboral\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">Care este situa\u021bia ta profesional\u0103?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_laboral\" value=\"empleado\" onclick=\"cppUpdate()\"> Angajat<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_laboral\" value=\"freelancer\" onclick=\"cppUpdate()\"> Freelancer \/ Liber profesionist<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_sueldo\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">Care este salariul t\u0103u brut lunar?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_sueldo\" value=\"bajo\" onclick=\"cppUpdate()\"> Sub 6.450 \u20ac<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_sueldo\" value=\"alto\" onclick=\"cppUpdate()\"> 6.450 \u20ac sau mai mult<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_ingresos\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">Care sunt veniturile tale lunare aproximative?<\/label>\n          <div class=\"brx-cpp-calc__radios\">\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_ingresos\" value=\"bajo\" onclick=\"cppUpdate()\"> Sub 2.500 \u20ac<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_ingresos\" value=\"medio\" onclick=\"cppUpdate()\"> \u00centre 2.500 \u20ac \u0219i 5.800 \u20ac<\/label>\n            <label class=\"brx-cpp-calc__radio\"><input type=\"radio\" name=\"cpp_ingresos\" value=\"alto\" onclick=\"cppUpdate()\"> Peste 5.800 \u20ac<\/label>\n          <\/div>\n        <\/div>\n        <div class=\"brx-cpp-calc__field\" id=\"cpp_field_edad\" style=\"display:none;\">\n          <label class=\"brx-cpp-calc__label\">Ce v\u00e2rst\u0103 ai?<\/label>\n          <select class=\"brx-cpp-calc__select\" id=\"cpp_edad\" onchange=\"cppUpdate()\">\n            <option value=\"\">Selecteaz\u0103 v\u00e2rsta<\/option>\n            <option value=\"25\">25 de ani<\/option>\n            <option value=\"26\">26 de ani<\/option>\n            <option value=\"27\">27 de ani<\/option>\n            <option value=\"28\">28 de ani<\/option>\n            <option value=\"29\">29 de ani<\/option>\n            <option value=\"30\">30 de ani<\/option>\n            <option value=\"31\">31 de ani<\/option>\n            <option value=\"32\">32 de ani<\/option>\n            <option value=\"33\">33 de ani<\/option>\n            <option value=\"34\">34 de ani<\/option>\n            <option value=\"35\">35 de ani<\/option>\n            <option value=\"36\">36 de ani<\/option>\n            <option value=\"37\">37 de ani<\/option>\n            <option value=\"38\">38 de ani<\/option>\n            <option value=\"39\">39 de ani<\/option>\n            <option value=\"40\">40 de ani<\/option>\n            <option value=\"41\">41 de ani<\/option>\n            <option value=\"42\">42 de ani<\/option>\n            <option value=\"43\">43 de ani<\/option>\n            <option value=\"44\">44 de ani<\/option>\n            <option value=\"45\">45 de ani<\/option>\n            <option value=\"46\">46 de ani<\/option>\n            <option value=\"47\">47 de ani<\/option>\n            <option value=\"48\">48 de ani<\/option>\n            <option value=\"49\">49 de ani<\/option>\n            <option value=\"50\">50 de ani<\/option>\n          <\/select>\n        <\/div>\n      <\/div>\n\n      <div class=\"brx-cpp-calc__results\" id=\"cpp_results\" style=\"display:none;\">\n        <div class=\"brx-cpp-result brx-cpp-result--public\">\n          <div class=\"brx-cpp-result__label\">Asigurare public\u0103 (GKV) aprox.<\/div>\n          <div class=\"brx-cpp-result__price\" id=\"cpp_precio_publico\">\u2014<\/div>\n          <div class=\"brx-cpp-result__note\" id=\"cpp_nota_publico\">Partea angajatului \u00b7 angajatorul pl\u0103te\u0219te aceea\u0219i sum\u0103<\/div>\n        <\/div>\n        <div class=\"brx-cpp-result brx-cpp-result--private\">\n          <div class=\"brx-cpp-result__label\">Asigurare privat\u0103 (PKV) aprox.<\/div>\n          <div class=\"brx-cpp-result__price\" id=\"cpp_precio_privado\">\u2014<\/div>\n          <div class=\"brx-cpp-result__note\" id=\"cpp_nota_privado\">Partea angajatului \u00b7 angajatorul pl\u0103te\u0219te jum\u0103tate<\/div>\n        <\/div>\n        <div class=\"brx-cpp-result__cta\" id=\"cpp_cta\" style=\"display:none;\">\n          <p id=\"cpp_mensaje\"><\/p>\n          <a href=\"https:\/\/bramexplus.com\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\">Vezi tarifele exacte pe Bramex Plus<\/a>\n        <\/div>\n        <div class=\"brx-cpp-result__nogkv\" id=\"cpp_nogkv\" style=\"display:none;\">\n          <p>Cu profilul t\u0103u <strong>nu po\u021bi accesa asigurarea privat\u0103<\/strong> \u00een mod independent. Asigurarea public\u0103 (GKV) este obligatorie pentru angaja\u021bii cu acest salariu.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/comparador-seguro-medico-alemania-krankenkasse\/\" class=\"brx-btn brx-btn--navy\">Vezi comparatorul de Krankenkassen<\/a>\n        <\/div>\n      <\/div>\n\n      <div class=\"brx-cpp-calc__nota\">\n        Aceast\u0103 compara\u021bie este orientativ\u0103 \u0219i nu \u00eenlocuie\u0219te o analiz\u0103 personalizat\u0103. Tarifele reale ale asigur\u0103rii private depind de starea ta de s\u0103n\u0103tate, de acoperirea aleas\u0103 \u0219i de asigur\u0103tor. Pentru informa\u021bii exacte, viziteaz\u0103 <a href=\"https:\/\/bramexplus.com\" target=\"_blank\" rel=\"noopener\"><strong>Bramex Plus<\/strong><\/a> sau <a href=\"https:\/\/www.bramex.de\/contacto\/\">contacteaz\u0103-ne<\/a>.\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-cpp-info\">\n      <div class=\"brx-cpp-info__img\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2023\/05\/calculo-seguro-privado-y-publico.png\" alt=\"Asigurare de s\u0103n\u0103tate public\u0103 vs privat\u0103 \u00een Germania\" loading=\"lazy\">\n      <\/div>\n      <div class=\"brx-cpp-info__content\">\n        <h2>Cine poate accesa asigurarea privat\u0103 de s\u0103n\u0103tate \u00een Germania?<\/h2>\n        <p>Pot accesa asigurarea privat\u0103 de s\u0103n\u0103tate (PKV) doar persoanele cu un salariu brut lunar <strong>de peste 6.450 \u20ac<\/strong>. Dac\u0103 salariul lunar este sub aceast\u0103 sum\u0103, dar prime\u0219ti un bonus sau o plat\u0103 suplimentar\u0103 \u0219i totalul anual dep\u0103\u0219e\u0219te <strong>77.400 \u20ac<\/strong>, po\u021bi opta de asemenea pentru asigurarea privat\u0103.<\/p>\n        <p><strong>Freelancerii \u0219i liber profesioni\u0219tii<\/strong> pot accesa asigurarea privat\u0103 indiferent de venituri, de\u0219i condi\u021biile \u0219i pre\u021burile variaz\u0103 \u00een func\u021bie de profil.<\/p>\n        <div class=\"brx-cpp-info__alert\">\n          <span>\ud83d\udca1<\/span>\n          <span>Pentru o analiz\u0103 exact\u0103 a situa\u021biei tale \u0219i tarife reale, <a href=\"https:\/\/bramexplus.com\" target=\"_blank\" rel=\"noopener\"><strong>viziteaz\u0103 Bramex Plus<\/strong><\/a>, platforma noastr\u0103 specializat\u0103 \u00een asigur\u0103ri private.<\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Asigurare public\u0103 vs privat\u0103: diferen\u021bele cheie<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:40px;\">Germania ofer\u0103 dou\u0103 op\u021biuni principale de acoperire medical\u0103. Acestea sunt cele mai importante diferen\u021be.<\/p>\n\n    <div class=\"brx-cpp-compare\">\n      <div class=\"brx-cpp-compare__col brx-cpp-compare__col--public\">\n        <h3 class=\"brx-cpp-compare__title\">\ud83c\udfdb\ufe0f Asigurare public\u0103 (GKV)<\/h3>\n        <ul class=\"brx-cpp-compare__list\">\n          <li><strong>Cost:<\/strong> Procent din salariul brut (~17,5% \u00een total \u00een 2026, jum\u0103tate angajat \/ jum\u0103tate angajator)<\/li>\n          <li><strong>Acoperire familial\u0103:<\/strong> So\u021bul\/so\u021bia \u0219i copiii f\u0103r\u0103 venituri sunt inclu\u0219i f\u0103r\u0103 cost suplimentar<\/li>\n          <li><strong>Acces la speciali\u0219ti:<\/strong> Cu timpii de a\u0219teptare obi\u0219nui\u021bi<\/li>\n          <li><strong>Flexibilitate:<\/strong> Limitat\u0103, acoperiri standard reglementate de stat<\/li>\n          <li><strong>Spitalizare:<\/strong> Salon comun \u00een mod implicit<\/li>\n          <li><strong>Cine o poate contracta:<\/strong> Obligatorie pentru angaja\u021bii cu salariul sub pragul anual<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"brx-cpp-compare__col brx-cpp-compare__col--private\">\n        <h3 class=\"brx-cpp-compare__title\">\ud83c\udfc6 Asigurare privat\u0103 (PKV)<\/h3>\n        <ul class=\"brx-cpp-compare__list\">\n          <li><strong>Cost:<\/strong> Prim\u0103 fix\u0103 \u00een func\u021bie de v\u00e2rst\u0103, stare de s\u0103n\u0103tate \u0219i acoperire \u2014 nu cre\u0219te odat\u0103 cu salariul<\/li>\n          <li><strong>Acoperire familial\u0103:<\/strong> Plat\u0103 individual\u0103 pentru fiecare membru, dar acoperiri personalizate<\/li>\n          <li><strong>Acces la speciali\u0219ti:<\/strong> Prioritar, cu timpi de a\u0219teptare mult mai scur\u021bi<\/li>\n          <li><strong>Flexibilitate:<\/strong> Ridicat\u0103 \u2014 alegi exact ce acoperiri s\u0103 incluzi<\/li>\n          <li><strong>Spitalizare:<\/strong> Rezerv\u0103 cu unul sau dou\u0103 paturi, tratament de c\u0103tre medicul \u0219ef de sec\u021bie<\/li>\n          <li><strong>Cine o poate contracta:<\/strong> Angaja\u021bi cu salariu de peste 6.450 \u20ac\/lun\u0103 sau liber profesioni\u0219ti<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n\n    <div class=\"brx-cpp-table-wrap\">\n      <table class=\"brx-cpp-table\">\n        <thead>\n          <tr>\n            <th>Aspect<\/th>\n            <th>Asigurare public\u0103 (GKV)<\/th>\n            <th>Asigurare privat\u0103 (PKV)<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Cost lunar<\/td><td>Bazat pe salariu<\/td><td>Bazat pe v\u00e2rst\u0103 \u0219i s\u0103n\u0103tate \u2014 poate fi foarte avantajos<\/td><\/tr>\n          <tr><td>Acoperire familial\u0103<\/td><td>Inclus\u0103 f\u0103r\u0103 cost<\/td><td>Plat\u0103 individual\u0103, acoperiri personalizate<\/td><\/tr>\n          <tr><td>Acces la speciali\u0219ti<\/td><td>Obi\u0219nuit<\/td><td>Prioritar, timpi de a\u0219teptare mai scur\u021bi<\/td><\/tr>\n          <tr><td>Acoperire stomatologic\u0103<\/td><td>De baz\u0103<\/td><td>Extins\u0103, inclusiv implanturi<\/td><\/tr>\n          <tr><td>Flexibilitate<\/td><td>Limitat\u0103<\/td><td>Ridicat\u0103 \u2014 acoperiri exclusive \u0219i personalizabile<\/td><\/tr>\n          <tr><td>Spitalizare<\/td><td>Salon comun<\/td><td>Rezerv\u0103 individual\u0103 + medic \u0219ef<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-cpp-bramexplus brx-cpp-bramexplus--cta\">\n      <div class=\"brx-cpp-bramexplus__cta-content\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2026\/05\/Captura-de-pantalla-2026-05-01-a-las-12.23.53.png\" alt=\"Bramex Plus\" class=\"brx-cpp-bramexplus__logo brx-cpp-bramexplus__logo--sm\">\n        <h2>Pentru tarife exacte ale asigur\u0103rii private, viziteaz\u0103 Bramex Plus<\/h2>\n        <p>Pe Bramex Plus ai un comparator complet de asigur\u0103ri private de s\u0103n\u0103tate \u00een Germania, cu tarife reale, acoperiri detaliate \u0219i consultan\u021b\u0103 personalizat\u0103. Este cel mai complet instrument pe care \u00eel avem pentru a analiza asigurarea privat\u0103.<\/p>\n        <p>Comparatorul de pe aceast\u0103 pagin\u0103 ofer\u0103 cifre orientative. <strong>Pentru date reale \u0219i o analiz\u0103 adaptat\u0103 cazului t\u0103u, Bramex Plus este locul potrivit.<\/strong><\/p>\n        <div class=\"brx-cpp-bramexplus__actions\">\n          <a href=\"https:\/\/bramexplus.com\/en\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--yellow\">Mergi la Bramex Plus \u2192<\/a>\n          <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--navy\">Vorbe\u0219te cu un consultant<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\n(function() {\n  \/\/ Tarif BASIC Bramex Plus cu indemniza\u021bie zilnic\u0103 (partea angajatului), interpolat \u0219i rotunjit la 5 \u20ac. Liber profesioni\u0219tii pl\u0103tesc dublu (prima complet\u0103).\n  var tarifasPrivado = {\n    25: 230, 26: 235, 27: 235, 28: 240, 29: 245,\n    30: 250, 31: 255, 32: 260, 33: 265, 34: 270,\n    35: 275, 36: 285, 37: 290, 38: 295, 39: 300,\n    40: 305, 41: 315, 42: 320, 43: 330, 44: 335,\n    45: 345, 46: 355, 47: 365, 48: 370, 49: 380,\n    50: 390\n  };\n\n  var SUELDO_REF = 6450;    \/\/ prag de acces la PKV (JAEG 2026)\n  var BBG_GKV = 5812.5;     \/\/ plafon de contribu\u021bie GKV 2026\n  var MIN_GKV_AUT = 1318;   \/\/ baza minim\u0103 de contribu\u021bie pentru liber profesioni\u0219ti 2026\n  var TASA_GKV = 0.175;     \/\/ 14,6% + 2,9% Zusatzbeitrag mediu 2026\n\n  var BASE_AUTONOMO = { bajo: 2500, medio: 4150, alto: BBG_GKV };\n\n  var TXT_MES = ' \u20ac\/lun\u0103';\n  var TXT_NO_DISPONIBLE = 'Indisponibil';\n  var TXT_MSG_BARATO = 'Cu profilul t\u0103u, asigurarea privat\u0103 ar putea fi mai ieftin\u0103 dec\u00e2t cea public\u0103. 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Compara\u021bie clar\u0103, f\u0103r\u0103 obliga\u021bii \u0219i cu consultan\u021b\u0103 \u00een limba ta. Vezi comparatorul complet pe Bramex Plus Solicit\u0103 consultan\u021b\u0103 Orientare gratuit\u0103 &#8230; <a title=\"Asigurare Public\u0103 vs Privat\u0103 \u00een Germania \u2014 Care \u021bi se Potrive\u0219te?\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/ro\/asigurare-publica-vs-privata-germania\/\" aria-label=\"Cite\u0219te mai multe despre Asigurare Public\u0103 vs Privat\u0103 \u00een Germania \u2014 Care \u021bi se Potrive\u0219te?\">Cite\u0219te mai mult<\/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-37930","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asigurare Public\u0103 vs Privat\u0103 \u00een Germania \u2014 Care \u021bi se Potrive\u0219te?<\/title>\n<meta name=\"description\" content=\"Compar\u0103 asigurarea public\u0103 (GKV) \u0219i privat\u0103 (PKV) \u00een Germania. 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