{"id":38553,"date":"2026-05-12T13:24:49","date_gmt":"2026-05-12T12:24:49","guid":{"rendered":"https:\/\/www.bramex.de\/ro\/?page_id=38553"},"modified":"2026-05-15T08:42:00","modified_gmt":"2026-05-15T07:42:00","slug":"asigurare-medicala-studenti-universitari-germania","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/ro\/asigurare-medicala-studenti-universitari-germania\/","title":{"rendered":"Asigurare medical\u0103 studen\u021bi universitari Germania"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"38553\" class=\"elementor elementor-38553 elementor-38539\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-881ba24 e-con-full e-flex e-con e-parent\" data-id=\"881ba24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-431908a elementor-widget elementor-widget-html\" data-id=\"431908a\" 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 brxt\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2022\/10\/FOTOS-WEB-2.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 medical\u0103 pentru studen\u021bi universitari<\/span>\n          <h1 class=\"brx-service-hero__title\">Asigurare medical\u0103 pentru studen\u021bi universitari \u00een Germania<\/h1>\n          <p class=\"brx-service-hero__text\">Te ajut\u0103m s\u0103 alegi \u0219i s\u0103 contractezi asigurarea medical\u0103 necesar\u0103 pentru \u00eenscrierea la o universitate german\u0103. Consultan\u021b\u0103 gratuit\u0103 \u00een limba rom\u00e2n\u0103, gestionare complet\u0103 \u0219i aten\u021bie personalizat\u0103 \u00een func\u021bie de profilul t\u0103u: UE sau non-UE.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a class=\"brx-btn brx-btn--yellow\" href=\"https:\/\/www.bramex.de\/formulario-seguro-de-salud-estudiantes-universitarios\/\">Solicit\u0103 informa\u021bii<\/a>\n            <a class=\"brx-btn brx-btn--white\" href=\"#publica-privata-studenti\">Compar\u0103 op\u021biunile<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Serviciu gratuit.<\/strong> F\u0103r\u0103 costuri suplimentare peste tariful asigur\u0103torului.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-intro\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-intro__grid\">\n      <div class=\"brx-stu-intro__text\">\n        <h2 class=\"brx-stu-intro__title\">Asigurare medical\u0103 obligatorie pentru \u00eenscrierea la o universitate german\u0103<\/h2>\n        <p>\u00cen Germania, asigurarea medical\u0103 este <strong>obligatorie<\/strong> pentru to\u021bi reziden\u021bii \u0219i, \u00een mod specific, universit\u0103\u021bile solicit\u0103 un <strong>certificat de asigurare<\/strong> pentru a-\u021bi formaliza \u00eenscrierea.<\/p>\n        <p>Ca student universitar ai dou\u0103 op\u021biuni principale: <strong>asigurarea public\u0103 (KVdS - Krankenversicherung der Studenten)<\/strong> sau o <strong>asigurare privat\u0103 pentru studen\u021bi<\/strong>. Aceast\u0103 decizie este important\u0103 pentru c\u0103, odat\u0103 ce alegi privatul, nu mai po\u021bi reveni la cel public pe toat\u0103 durata studiilor, cu excep\u021bia unor cazuri foarte specifice.<\/p>\n        <p>La Bramex te consiliem gratuit pentru a alege op\u021biunea corect\u0103 \u00een func\u021bie de v\u00e2rst\u0103, \u021bara de origine \u0219i tipul de universitate.<\/p>\n      <\/div>\n      <aside class=\"brx-stu-intro__box\">\n        <h3 class=\"brx-stu-intro__box-title\">Este pentru tine dac\u0103\u2026?<\/h3>\n        <ul class=\"brx-stu-intro__list\">\n          <li>Vei studia la o universitate german\u0103, de stat sau privat\u0103.<\/li>\n          <li>Ai sub 30 de ani (public\u0103) sau sub 35 (privat\u0103).<\/li>\n          <li>Provii dintr-o \u021bar\u0103 din afara UE.<\/li>\n          <li>E\u0219ti din UE dar cardul european de s\u0103n\u0103tate nu este suficient.<\/li>\n          <li>Universitatea \u00ee\u021bi cere o asigurare cu num\u0103r german.<\/li>\n        <\/ul>\n      <\/aside>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-compare\" id=\"publica-privata-studenti\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-compare__head\">\n      <h2>Asigurarea public\u0103 (KVdS) vs. asigurarea privat\u0103 pentru studen\u021bi<\/h2>\n      <p>Acestea sunt cele dou\u0103 op\u021biuni disponibile pentru a \u00eendeplini cerin\u021ba universitar\u0103. Iat\u0103 diferen\u021bele esen\u021biale pentru a lua o decizie informat\u0103.<\/p>\n    <\/div>\n    <div class=\"brx-stu-compare__grid\">\n      <article class=\"brx-stu-compare__card brx-stu-compare__card--public\">\n        <span class=\"brx-stu-compare__tag\">Asigurare public\u0103 KVdS<\/span>\n        <h3>Pentru majoritatea studen\u021bilor<\/h3>\n        <div class=\"brx-stu-compare__price\">\n          <span class=\"brx-stu-compare__price-num\">~140-150 \u20ac<\/span>\n          <span class=\"brx-stu-compare__price-unit\">pe lun\u0103 \u00een 2026<\/span>\n        <\/div>\n        <ul class=\"brx-stu-compare__list\">\n          <li>Disponibil\u0103 <strong>p\u00e2n\u0103 la 30 de ani<\/strong>.<\/li>\n          <li>Acceptat\u0103 de <strong>toate universit\u0103\u021bile germane<\/strong>.<\/li>\n          <li>Acoperire ampl\u0103 \u0219i standard pentru to\u021bi asigura\u021bii.<\/li>\n          <li>Include medic de familie, spital, urgen\u021be \u0219i maternitate.<\/li>\n          <li>Se aplic\u0103 doar universit\u0103\u021bilor <strong>de stat<\/strong> sau acreditate.<\/li>\n        <\/ul>\n        <p class=\"brx-stu-compare__note\">Pre\u021bul este compus din 87,38 \u20ac contribu\u021bie de baz\u0103 + tax\u0103 suplimentar\u0103 \u00een func\u021bie de Krankenkasse + 30,78 \u20ac sau 35,91 \u20ac Pflegeversicherung.<\/p>\n      <\/article>\n      <article class=\"brx-stu-compare__card brx-stu-compare__card--private\">\n        <span class=\"brx-stu-compare__tag\">Asigurare privat\u0103 studen\u021bi<\/span>\n        <h3>Alternativ\u0103 mai accesibil\u0103<\/h3>\n        <div class=\"brx-stu-compare__price\">\n          <span class=\"brx-stu-compare__price-num\">De la ~35 \u20ac<\/span>\n          <span class=\"brx-stu-compare__price-unit\">pe lun\u0103, \u00een func\u021bie de profil<\/span>\n        <\/div>\n        <ul class=\"brx-stu-compare__list\">\n          <li>Disponibil\u0103 <strong>p\u00e2n\u0103 la 35 de ani<\/strong>.<\/li>\n          <li>Mai ieftin\u0103, dar cu acoperiri mai limitate.<\/li>\n          <li>Func\u021bioneaz\u0103 prin rambursare: pl\u0103te\u0219ti \u0219i e\u0219ti returnat.<\/li>\n          <li>Util\u0103 pentru studen\u021bii <strong>peste 30 de ani<\/strong> care nu mai pot intra \u00een KVdS.<\/li>\n          <li>Verific\u0103 \u00eentotdeauna c\u0103 universitatea ta o accept\u0103.<\/li>\n        <\/ul>\n        <p class=\"brx-stu-compare__note\">Decizie <strong>ireversibil\u0103<\/strong>: dac\u0103 te \u00eenscrii la asigurarea privat\u0103, nu mai po\u021bi reveni la cea public\u0103 pe durata studiilor.<\/p>\n      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-cost\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-cost__head\">\n      <h2>Defalcarea costurilor asigur\u0103rii publice pentru studen\u021bi 2026<\/h2>\n      <p>Pre\u021bul asigur\u0103rii publice se calculeaz\u0103 pe baza sumei BAf\u00f6G (855 \u20ac) \u0219i este acela\u0219i la toate Krankenkassen, cu excep\u021bia taxei suplimentare (Zusatzbeitrag) stabilite individual de fiecare asigur\u0103tor.<\/p>\n    <\/div>\n    <div class=\"brx-stu-cost__table\">\n      <div class=\"brx-stu-cost__row brx-stu-cost__row--head\">\n        <span>Element<\/span>\n        <span>Sum\u0103 lunar\u0103<\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Contribu\u021bie de baz\u0103 (10,22 % din 855 \u20ac)<\/span>\n        <span><strong>87,38 \u20ac<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Tax\u0103 suplimentar\u0103 (Zusatzbeitrag, medie 2,9 %)<\/span>\n        <span><strong>~24,80 \u20ac<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Pflegeversicherung &lt; 23 ani sau cu copii<\/span>\n        <span><strong>30,78 \u20ac<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row\">\n        <span>Pflegeversicherung \u2265 23 ani f\u0103r\u0103 copii<\/span>\n        <span><strong>35,91 \u20ac<\/strong><\/span>\n      <\/div>\n      <div class=\"brx-stu-cost__row brx-stu-cost__row--total\">\n        <span>Total estimat pentru 23-30 ani f\u0103r\u0103 copii<\/span>\n        <span><strong>~148 \u20ac\/lun\u0103<\/strong><\/span>\n      <\/div>\n    <\/div>\n    <p class=\"brx-stu-cost__footnote\">Zusatzbeitrag variaz\u0103 \u00eentre asigur\u0103tori (aproximativ 18,64 \u20ac - 37,62 \u20ac\/lun\u0103). La Bramex compar\u0103m Krankenkassen pentru ca tu s\u0103 pl\u0103te\u0219ti c\u00e2t este corect.<\/p>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-cases\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-cases__head\">\n      <h2>Cazuri speciale \u00een func\u021bie de profil<\/h2>\n      <p>Nu to\u021bi studen\u021bii sunt \u00een aceea\u0219i situa\u021bie. Acestea sunt cele mai frecvente scenarii.<\/p>\n    <\/div>\n    <div class=\"brx-stu-cases__grid\">\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student &lt; 25 ani cu p\u0103rin\u021bi \u00een Germania (GKV)<\/h3>\n        <p>Dac\u0103 locuie\u0219ti \u00een Germania \u0219i unul dintre p\u0103rin\u021bi cotizeaz\u0103 la sistemul public german, po\u021bi fi inclus <strong>gratuit<\/strong> \u00een Familienversicherung-ul lor p\u00e2n\u0103 la 25 de ani, at\u00e2ta timp c\u00e2t nu dep\u0103\u0219e\u0219ti 565 \u20ac\/lun\u0103 venituri (603 \u20ac pentru minijob).<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student UE cu card european de s\u0103n\u0103tate<\/h3>\n        <p>Dac\u0103 vii dintr-o \u021bar\u0103 UE, \u00een teorie cardul european de s\u0103n\u0103tate (EHIC) te acoper\u0103. Dar <strong>nu to\u021bi medicii \u00eel accept\u0103<\/strong> \u0219i unele universit\u0103\u021bi cer asigurare german\u0103. Te ajut\u0103m s\u0103 contractezi o asigurare privat\u0103 ieftin\u0103 ca supliment.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student din afara UE<\/h3>\n        <p>Obligatoriu s\u0103 contractezi o asigurare german\u0103, public\u0103 sau privat\u0103, \u00eenainte de \u00eenscriere. Te consiliem cu privire la cea mai bun\u0103 op\u021biune \u00een func\u021bie de v\u00e2rst\u0103 \u0219i tipul de studii.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student peste 30 de ani<\/h3>\n        <p>Nu mai po\u021bi intra \u00een KVdS. Op\u021biunile tale sunt: asigurare privat\u0103 pentru studen\u021bi (p\u00e2n\u0103 la 35 de ani) sau freiwillige GKV (mult mai scump\u0103, ~230 \u20ac\/lun\u0103). Te ajut\u0103m s\u0103 compari.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Doctorat sau universitate privat\u0103 neacreditat\u0103<\/h3>\n        <p>Doctoranzii \u0219i studen\u021bii la institu\u021bii f\u0103r\u0103 acreditare de stat <strong>nu pot accesa KVdS<\/strong>. Va trebui s\u0103 contractezi asigurare privat\u0103 sau freiwillige GKV.<\/p>\n      <\/article>\n      <article class=\"brx-stu-cases__card\">\n        <h3>Student cu loc de munc\u0103 (Werkstudent)<\/h3>\n        <p>Dac\u0103 lucrezi peste 20 de ore pe s\u0103pt\u0103m\u00e2n\u0103 \u00een timpul semestrului, \u00eencetezi s\u0103 mai fii student pentru asigur\u0103ri sociale. Asigurarea o pl\u0103te\u0219te angajatorul prin salariu.<\/p>\n      <\/article>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-howto\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-howto__head\">\n      <h2>Cum te ajut\u0103m s\u0103 contractezi asigurarea de student<\/h2>\n      <p>Un proces simplu, \u00een limba ta \u0219i complet gratuit.<\/p>\n    <\/div>\n    <div class=\"brx-stu-howto__steps\">\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">1<\/span>\n        <h3>Completezi formularul<\/h3>\n        <p>Ne spui v\u00e2rsta, universitatea, \u021bara de origine \u0219i data de \u00eenceput. Toate informa\u021biile necesare pentru a te consilia.<\/p>\n      <\/div>\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">2<\/span>\n        <h3>\u00ce\u021bi trimitem cele mai bune oferte<\/h3>\n        <p>Compar\u0103m asigur\u0103ri publice (KVdS) \u0219i private \u00een func\u021bie de profilul t\u0103u \u0219i \u00ee\u021bi trimitem un rezumat clar cu pre\u021buri \u0219i acoperiri.<\/p>\n      <\/div>\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">3<\/span>\n        <h3>Alegi \u0219i contract\u0103m pentru tine<\/h3>\n        <p>Decizi op\u021biunea preferat\u0103 \u0219i ne ocup\u0103m de toat\u0103 gestionarea \u0219i formalit\u0103\u021bile cu asigur\u0103torul german.<\/p>\n      <\/div>\n      <div class=\"brx-stu-howto__step\">\n        <span class=\"brx-stu-howto__num\">4<\/span>\n        <h3>Prime\u0219ti certificatul pentru universitate<\/h3>\n        <p>\u00ce\u021bi trimitem documentul de care are nevoie universitatea pentru a-\u021bi formaliza \u00eenscrierea.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-end\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-end__box\">\n      <div class=\"brx-stu-end__content\">\n        <span class=\"brx-stu-end__eyebrow\">La finalul studiilor<\/span>\n        <h2>Ce se \u00eent\u00e2mpl\u0103 cu asigurarea ta c\u00e2nd termini facultatea?<\/h2>\n        <p>La finalul studiilor, tariful de student se \u00eencheie. Krankenkasse \u00ee\u021bi va trimite o scrisoare prin care \u00eentreab\u0103 despre situa\u021bia ta.<\/p>\n        <ul class=\"brx-stu-end__list\">\n          <li><strong>\u00cencepi s\u0103 lucrezi:<\/strong> firma te \u00eenscrie automat la GKV cu reducerea angajatorului.<\/li>\n          <li><strong>Cau\u021bi un loc de munc\u0103:<\/strong> treci la tariful freiwillige GKV sau te \u00eenregistrezi ca persoan\u0103 \u00een c\u0103utarea unui loc de munc\u0103.<\/li>\n          <li><strong>Devii independent (Selbstst\u00e4ndig):<\/strong> po\u021bi alege \u00eentre freiwillige GKV \u0219i PKV. Te consiliem.<\/li>\n          <li><strong>Te \u00eentorci \u00een \u021bara ta:<\/strong> prezin\u021bi <strong>Abmeldung<\/strong>-ul la Krankenkasse \u0219i anul\u0103m asigurarea.<\/li>\n        <\/ul>\n        <p class=\"brx-stu-end__warning\"><strong>Important:<\/strong> nu uita s\u0103 comunici situa\u021bia. Dac\u0103 nu o faci, Krankenkasse va continua s\u0103 factureze tariful standard (mult mai mare dec\u00e2t cel de student).<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-faq\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-faq__head\">\n      <h2>\u00centreb\u0103ri frecvente<\/h2>\n      <p>R\u0103spundem la cele mai frecvente \u00eentreb\u0103ri despre asigurarea medical\u0103 pentru studen\u021bi universitari \u00een Germania.<\/p>\n    <\/div>\n    <div class=\"brx-stu-faq__list\">\n      <details class=\"brx-stu-faq__item\">\n        <summary>Este obligatorie asigurarea medical\u0103 pentru studen\u021bi?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Da. \u00cen Germania, asigurarea medical\u0103 este obligatorie prin lege pentru to\u021bi reziden\u021bii. Universitatea va solicita un certificat de asigurare (Versicherungsbescheinigung) pentru a-\u021bi formaliza \u00eenscrierea.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Ce tip de asigurare pot alege?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Po\u021bi contracta asigurare public\u0103 (KVdS) sau privat\u0103. Cea public\u0103 este disponibil\u0103 p\u00e2n\u0103 la 30 de ani \u0219i cost\u0103 aproximativ 140-150 \u20ac\/lun\u0103 \u00een 2026. Cea privat\u0103 poate fi mai ieftin\u0103 \u0219i este disponibil\u0103 p\u00e2n\u0103 la 35 de ani, dar acoperirile sunt de obicei mai limitate. La Bramex te consiliem pentru a alege op\u021biunea care \u021bi se potrive\u0219te cel mai bine.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Exist\u0103 o limit\u0103 de v\u00e2rst\u0103 pentru tariful de student?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Da. \u00cen asigurarea public\u0103, limita este de <strong>30 de ani<\/strong>. Dup\u0103 aceast\u0103 v\u00e2rst\u0103 treci la tariful freiwillige GKV (mult mai scump, \u00een jur de 230 \u20ac\/lun\u0103). \u00cen asigurarea privat\u0103 pentru studen\u021bi, limita este de <strong>35 de ani<\/strong>.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Sunt din UE, am nevoie de asigurare german\u0103?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Dac\u0103 vii dintr-o \u021bar\u0103 UE \u0219i ai sub 30 de ani, \u00een teorie cardul european de s\u0103n\u0103tate (EHIC) te acoper\u0103. Dar <strong>nu to\u021bi medicii din Germania \u00eel accept\u0103<\/strong> \u0219i unele universit\u0103\u021bi cer un num\u0103r de asigurare german. De aceea este recomandabil s\u0103 contractezi o asigurare privat\u0103 ieftin\u0103 ca supliment. Te ajut\u0103m s\u0103 alegi una.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Pot trece de la privat la public pe durata studiilor?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Nu. Odat\u0103 ce te \u00eenscrii la asigurarea privat\u0103 la \u00eenceputul studiilor, decizia este <strong>ireversibil\u0103<\/strong> \u0219i dureaz\u0103 pe toat\u0103 durata facult\u0103\u021bii. Doar \u00een cazuri foarte specifice (de exemplu o pauz\u0103 lung\u0103 \u00eentre licen\u021b\u0103 \u0219i master) este posibil\u0103 revenirea. De aceea este at\u00e2t de important s\u0103 decizi bine de la \u00eenceput.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Pot r\u0103m\u00e2ne la tariful de student dup\u0103 absolvire?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Nu. Tariful de student se \u00eencheie c\u00e2nd finalizezi studiile. Krankenkasse \u00ee\u021bi va trimite o scrisoare pentru a \u00eentreba despre situa\u021bia ta (angajat, \u00een c\u0103utarea unui loc de munc\u0103, freelancer, \u00eentoarcere acas\u0103) \u0219i va recalcula tariful corespunz\u0103tor.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Ce acoper\u0103 asigurarea public\u0103 pentru studen\u021bi?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>KVdS include medic de familie, speciali\u0219ti, urgen\u021be, spitalizare, maternitate, medicamente prescrise \u0219i asisten\u021b\u0103 psihologic\u0103 de baz\u0103, printre altele. Acoperirea este foarte ampl\u0103 \u0219i aceea\u0219i pentru to\u021bi asigura\u021bii.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>\u0218i dac\u0103 studiez un master sau doctorat?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Pentru master, po\u021bi r\u0103m\u00e2ne \u00een KVdS dac\u0103 \u00eendepline\u0219ti cerin\u021bele (v\u00e2rst\u0103, universitate). Doctoratul <strong>nu este considerat \u201estudii\" pentru KVdS<\/strong>, a\u0219a c\u0103 va trebui s\u0103 treci la freiwillige GKV sau la o asigurare privat\u0103. Te consiliem.<\/p>\n        <\/div>\n      <\/details>\n      <details class=\"brx-stu-faq__item\">\n        <summary>Studiez la o universitate privat\u0103, pot intra \u00een KVdS?<\/summary>\n        <div class=\"brx-stu-faq__answer\">\n          <p>Doar dac\u0103 universitatea privat\u0103 are <strong>recunoa\u0219tere de stat<\/strong>. Dac\u0103 nu, nu po\u021bi accesa KVdS \u0219i va trebui s\u0103 contractezi asigurare privat\u0103 pentru studen\u021bi sau freiwillige GKV.<\/p>\n        <\/div>\n      <\/details>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-why\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-why__head\">\n      <h2>De ce cu Bramex<\/h2>\n      <p>De ani de zile \u00eenso\u021bim studen\u021bi interna\u021bionali la sosirea lor \u00een Germania. Iat\u0103 ce ne diferen\u021biaz\u0103.<\/p>\n    <\/div>\n    <div class=\"brx-stu-why__grid\">\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u2605<\/span>\n        <h3>Alegere<\/h3>\n        <p>Te ajut\u0103m s\u0103 alegi asigurarea care se potrive\u0219te cel mai bine profilului t\u0103u de student.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u20ac<\/span>\n        <h3>Costuri<\/h3>\n        <p>F\u0103r\u0103 costuri suplimentare peste tariful asigur\u0103torului. Consultan\u021b\u0103 gratuit\u0103.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u2713<\/span>\n        <h3>Asigur\u0103tori<\/h3>\n        <p>Colabor\u0103m cu 95 % dintre cele mai bune companii din \u021bar\u0103.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u2665<\/span>\n        <h3>Sprijin<\/h3>\n        <p>Suntem al\u0103turi de tine \u00eenainte \u0219i pe parcursul \u00eentregului proces.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">i<\/span>\n        <h3>Informa\u021bii<\/h3>\n        <p>Te inform\u0103m despre schimb\u0103rile care \u00ee\u021bi pot afecta asigurarea.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">L<\/span>\n        <h3>Limb\u0103<\/h3>\n        <p>Asisten\u021b\u0103 100 % \u00een limba ta: spaniol\u0103, englez\u0103 sau rom\u00e2n\u0103.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\ud83d\udcc4<\/span>\n        <h3>Formalit\u0103\u021bi<\/h3>\n        <p>Ne ocup\u0103m de birocra\u021bia german\u0103. Prime\u0219ti certificatul gata preg\u0103tit.<\/p>\n      <\/div>\n      <div class=\"brx-stu-why__card\">\n        <span class=\"brx-stu-why__icon\">\u23f1<\/span>\n        <h3>Experien\u021b\u0103<\/h3>\n        <p>Speciali\u0219ti \u00een studen\u021bi interna\u021bionali \u00een Germania.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-stu-cta\">\n  <div class=\"brx-stu-container\">\n    <div class=\"brx-stu-cta__box\">\n      <div class=\"brx-stu-cta__content\">\n        <h2>Vei studia \u00een Germania? Te ajut\u0103m cu asigurarea<\/h2>\n        <p>Completeaz\u0103 formularul \u0219i \u00ee\u021bi vom trimite cele mai bune oferte \u00een func\u021bie de v\u00e2rst\u0103, universitate \u0219i \u021bara ta de origine. F\u0103r\u0103 angajament \u0219i complet gratuit.<\/p>\n        <div class=\"brx-stu-cta__actions\">\n          <a class=\"brx-btn brx-btn--yellow\" href=\"https:\/\/www.bramex.de\/formulario-seguro-de-salud-estudiantes-universitarios\/\">Solicit\u0103 informa\u021bii<\/a>\n          <a class=\"brx-btn brx-btn--white\" href=\"https:\/\/www.bramex.de\/ro\/contact\/\">Contacteaz\u0103 Bramex<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n.brx-stu-container{width:100%;max-width:1200px;margin:0 auto;padding-left:20px;padding-right:20px;box-sizing:border-box}\n\n.brx-stu-intro{padding:80px 0;background:#ffffff}\n.brx-stu-intro__grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:start}\n.brx-stu-intro__title{margin:0 0 18px;font-size:32px;line-height:1.2;font-weight:700;color:#1c244b}\n.brx-stu-intro__text p{margin:0 0 16px;font-size:17px;line-height:1.7;color:#595757}\n.brx-stu-intro__text p 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Consultan\u021b\u0103 gratuit\u0103 \u00een limba rom\u00e2n\u0103, gestionare complet\u0103 \u0219i aten\u021bie personalizat\u0103 \u00een func\u021bie de profilul t\u0103u: UE sau non-UE. Solicit\u0103 informa\u021bii Compar\u0103 op\u021biunile Serviciu gratuit. F\u0103r\u0103 costuri suplimentare &#8230; <a title=\"Asigurare medical\u0103 studen\u021bi universitari Germania\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-studenti-universitari-germania\/\" aria-label=\"Cite\u0219te mai multe despre Asigurare medical\u0103 studen\u021bi universitari Germania\">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-38553","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asigurare medical\u0103 studen\u021bi universitari Germania | Bramex<\/title>\n<meta name=\"description\" content=\"Asigurare medical\u0103 pentru studen\u021bi universitari \u00een Germania. 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