<style id="elementor-post-40017">.elementor-40017 .elementor-element.elementor-element-de0f099{--display:flex;}.elementor-40017 .elementor-element.elementor-element-d30dc50{--display:flex;--min-height:459px;--justify-content:center;}.elementor-40017 .elementor-element.elementor-element-a38dbd1{--display:flex;}.elementor-40017 .elementor-element.elementor-element-6ead87f{--display:flex;}.elementor-40017 .elementor-element.elementor-element-7ff8a14{--display:flex;}</style>{"id":40017,"date":"2026-09-04T09:40:08","date_gmt":"2026-09-04T08:40:08","guid":{"rendered":"https:\/\/www.bramex.de\/?page_id=40017"},"modified":"2026-09-04T09:56:20","modified_gmt":"2026-09-04T08:56:20","slug":"gaseste-asigurare-medicala-germania","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/ro\/gaseste-asigurare-medicala-germania\/","title":{"rendered":"Ce asigurare medical\u0103 s\u0103 alegi \u00een Germania \u00een func\u021bie de situa\u021bia ta"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"40017\" class=\"elementor elementor-40017 elementor-26081\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de0f099 e-con-full e-flex e-con e-parent\" data-id=\"de0f099\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e8146d elementor-widget elementor-widget-html\" data-id=\"9e8146d\" 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<style>\n  \/* Base *\/\n  .brx-wrap, .brx-wrap *,\n  .brx-wrap *::before, .brx-wrap *::after {\n    box-sizing: border-box;\n    font-family: 'Poppins', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;\n  }\n  .brx-wrap { color: #595757; 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margin: 0 auto; padding: 0 20px; }\n  .brx-section { padding: 70px 0; }\n  .brx-bg-soft { background: #f7f8fb; }\n  .brx-section-title {\n    color: #1c244b;\n    font-size: 2rem;\n    font-weight: 700;\n    line-height: 1.25;\n    margin: 0 0 18px;\n  }\n  .brx-section-title--center { text-align: center; }\n  .brx-section-text { font-size: 1.05rem; margin: 0 0 22px; }\n  .brx-section-text--center { text-align: center; max-width: 780px; margin: 0 auto 36px; }\n  \/* Note box *\/\n  .brx-pkv-note {\n    background: #fff;\n    border-left: 5px solid #1c244b;\n    padding: 22px 26px;\n    border-radius: 8px;\n    margin: 30px 0 0;\n    box-shadow: 0 2px 12px rgba(28,36,75,.06);\n    font-size: .98rem;\n  }\n  .brx-pkv-note strong { color: #1c244b; }\n  .brx-pkv-note--yellow { border-left-color: #ffb905; }\n  \/* Cross-link (banner Bramexplus) *\/\n  .brx-cross-link {\n    display: grid;\n    grid-template-columns: auto 1fr auto;\n    gap: 24px;\n    align-items: center;\n    background: #fff;\n    border: 1px solid #e5e7ed;\n    border-left: 5px solid #1c244b;\n    border-radius: 8px;\n    padding: 20px 26px;\n    margin-top: 18px;\n    box-shadow: 0 2px 12px rgba(28,36,75,.06);\n  }\n  .brx-cross-link__logo img {\n    max-height: 38px;\n    width: auto;\n    display: block;\n  }\n  .brx-cross-link__body p {\n    margin: 0;\n    font-size: .95rem;\n    line-height: 1.55;\n  }\n  .brx-cross-link__body strong { color: #1c244b; 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color: #fff !important; }\n  .brx-table-note {\n    font-size: .85rem;\n    color: #888;\n    margin: 14px 0 0;\n    font-style: italic;\n  }\n  \/* Responsive *\/\n  @media (max-width: 760px) {\n    .brx-section { padding: 50px 0; }\n    .brx-section-title { font-size: 1.6rem; }\n    .brx-cross-link {\n      grid-template-columns: 1fr;\n      text-align: center;\n      gap: 14px;\n      padding: 22px 20px;\n    }\n    .brx-cross-link__logo { display: flex; justify-content: center; }\n    .brx-cross-link__cta .brx-btn { width: 100%; }\n    \/* Tabla \u2192 cards en m\u00f3vil *\/\n    .brx-pkv-compare thead { display: none; }\n    .brx-pkv-compare tbody, .brx-pkv-compare tbody tr,\n    .brx-pkv-compare tbody td { display: block; width: 100%; }\n    .brx-pkv-compare tbody tr {\n      margin-bottom: 16px;\n      border-radius: 10px;\n      overflow: hidden;\n      box-shadow: 0 2px 8px rgba(28,36,75,.08);\n      background: #fff;\n    }\n    .brx-pkv-compare tbody tr:nth-child(even) td { background: #fff; }\n    .brx-pkv-compare tbody td {\n      padding: 10px 16px;\n      border-bottom: 1px solid #f0f1f5;\n    }\n    .brx-pkv-compare tbody td::before {\n      content: attr(data-label);\n      display: block;\n      font-size: .72rem;\n      color: #1c244b;\n      font-weight: 700;\n      text-transform: uppercase;\n      margin-bottom: 4px;\n      letter-spacing: .5px;\n    }\n    .brx-pkv-compare tbody td:first-child { background: #1c244b; color: #fff; padding: 14px 16px; }\n    .brx-pkv-compare tbody td:first-child::before { color: rgba(255,255,255,.6); }\n  }\n  @media (max-width: 560px) {\n    .brx-hero-actions { flex-direction: column; }\n    .brx-hero-actions .brx-btn { width: 100%; }\n  }\n<\/style>\n<div class=\"brx-wrap\">\n  <!-- ============ HERO (versi\u00f3n centrada) ============ -->\n  <section style=\"padding:56px 0 48px; background:linear-gradient(135deg,#1c244b 0%,#2d3a6b 100%);\">\n    <div class=\"brx-container\">\n      <div style=\"text-align:center; max-width:720px; margin:0 auto;\">\n        <span style=\"display:inline-block; margin-bottom:16px; padding:8px 16px; border-radius:999px; background:rgba(255,185,5,0.18); color:#ffb905; font-size:13px; font-weight:600; letter-spacing:0.5px;\">GHID ASIGURARE MEDICAL\u0102 \u00b7 GERMANIA<\/span>\n        <h1 style=\"font-size:34px; font-weight:700; color:#ffffff; margin:0 0 14px 0; line-height:1.18;\">Ce asigurare medical\u0103 s\u0103 alegi \u00een Germania \u00een func\u021bie de situa\u021bia ta<\/h1>\n        <p style=\"font-size:17px; line-height:1.7; color:rgba(255,255,255,0.82); margin:0 0 24px 0;\">R\u0103spunde la c\u00e2teva \u00eentreb\u0103ri \u0219i \u00ee\u021bi spunem ce op\u021biune se potrive\u0219te cel mai bine situa\u021biei tale. Rezultatul este imediat \u0219i f\u0103r\u0103 s\u0103 fie nevoie s\u0103 la\u0219i adresa de email.<\/p>\n        <div class=\"brx-hero-actions\">\n          <a href=\"#ghid-asigurare\" class=\"brx-btn brx-btn--yellow\">\u00cencepe ghidul \u2192<\/a>\n          <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--white\">Solicit\u0103 consultan\u021b\u0103 gratuit\u0103<\/a>\n        <\/div>\n        <p style=\"font-size:13px; color:rgba(255,255,255,0.55); margin-top:14px;\">Consultan\u021b\u0103 gratuit\u0103 \u00b7 \u00ce\u021bi explic\u0103m totul \u00een limba rom\u00e2n\u0103 \u0219i f\u0103r\u0103 obliga\u021bii<\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n  <!-- ============ INTRO + NOT\u0102 + BRAMEXPLUS ============ -->\n  <section class=\"brx-section\">\n    <div class=\"brx-container\">\n      <h2 class=\"brx-section-title\">Ce asigurare medical\u0103 \u021bi se cuvine \u00een Germania?<\/h2>\n      <p class=\"brx-section-text\">\u00cen Germania asigurarea medical\u0103 este <strong>obligatorie prin lege<\/strong>. \u00centrebarea nu este <em>dac\u0103<\/em> o \u00eenchei, ci <strong>care \u021bi se cuvine<\/strong> \u2014 \u0219i asta depinde de patru variabile: dac\u0103 locuie\u0219ti deja \u00een \u021bar\u0103, dac\u0103 ai contract de munc\u0103, salariul t\u0103u brut anual \u0219i tipul t\u0103u de activitate. Acest ghid te ajut\u0103 s\u0103 \u00ee\u021bi identifici op\u021biunea \u00eenainte de a \u00eencheia o asigurare, f\u0103r\u0103 s\u0103 pierzi timp cu explica\u021bii generale despre sistem.<\/p>\n      <div class=\"brx-pkv-note brx-pkv-note--yellow\">\n        <strong>Noutate pentru 2027:<\/strong> Bundeskabinett a aprobat pe 29 aprilie 2026 o majorare extraordinar\u0103 a pragurilor. Din ianuarie 2027, limita pentru a accesa asigurarea privat\u0103 va cre\u0219te p\u00e2n\u0103 la aproximativ <strong>7.067 \u20ac\/lun\u0103 (84.800 \u20ac\/an)<\/strong>. Dac\u0103 e\u0219ti aproape de limita actual\u0103 de <strong>6.450 \u20ac\/lun\u0103<\/strong> \u0219i iei \u00een calcul PKV, anul acesta este momentul s\u0103 evaluezi op\u021biunea.\n      <\/div>\n      <div class=\"brx-cross-link\">\n        <div class=\"brx-cross-link__logo\">\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=\"Bramexplus\" loading=\"lazy\" \/>\n        <\/div>\n        <div class=\"brx-cross-link__body\">\n          <p><strong>Salariu mare, Blue Card sau liber-profesionist cu venituri ridicate?<\/strong> Descoper\u0103 Bramexplus, platforma noastr\u0103 specializat\u0103 \u00een asigur\u0103ri private premium pentru profiluri calificate.<\/p>\n        <\/div>\n        <div class=\"brx-cross-link__cta\">\n          <a href=\"https:\/\/www.bramexplus.com\/\" target=\"_blank\" rel=\"noopener\" class=\"brx-btn brx-btn--navy\">Mergi la Bramexplus \u2192<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n  <!-- ============ ANCOR\u0102 GHID ============ -->\n  <div id=\"ghid-asigurare\" class=\"brx-hero-anchor\"><\/div>\n<\/div>\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-d30dc50 e-flex e-con-boxed e-con e-parent\" data-id=\"d30dc50\" 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-ef6216e elementor-widget elementor-widget-html\" data-id=\"ef6216e\" 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<style>\n.bsq-wrap{max-width:640px;margin:0 auto;font-family:\"Poppins\",sans-serif;}\n.bsq-step{display:none;}\n.bsq-step.activo{display:block;}\n.bsq-titulo{font-size:22px;font-weight:700;color:#1c244b;margin:0 0 8px 0;line-height:1.3;}\n.bsq-sub{font-size:15px;color:#686766;margin:0 0 24px 0;}\n.bsq-btn{display:flex;align-items:center;gap:14px;width:100%;padding:16px 20px;background:#ffffff;border:2px solid #e0e4f0;border-radius:14px;cursor:pointer;font-size:16px;font-weight:500;color:#1c244b;margin-bottom:12px;text-align:left;font-family:\"Poppins\",sans-serif;transition:border-color 0.2s;}\n.bsq-btn:hover{border-color:#ffb905;}\n.bsq-btn span{font-size:22px;min-width:32px;}\n.bsq-back{background:none;border:none;color:#686766;font-size:14px;cursor:pointer;margin-bottom:20px;padding:0;font-family:\"Poppins\",sans-serif;}\n.bsq-back:hover{color:#1c244b;}\n.bsq-res{background:#ffffff;border-radius:20px;border:2px solid #ffb905;padding:32px;box-shadow:0 8px 32px rgba(255,185,5,0.12);}\n.bsq-res__tag{display:inline-block;margin-bottom:14px;padding:6px 14px;border-radius:999px;background:#ffb905;color:#1c244b;font-size:12px;font-weight:700;}\n.bsq-res__titulo{font-size:22px;font-weight:700;color:#1c244b;margin:0 0 12px 0;}\n.bsq-res__texto{font-size:15px;line-height:1.7;color:#595757;margin:0 0 22px 0;}\n.bsq-res__btns{display:flex;flex-wrap:wrap;gap:12px;}\n.bsq-res--dual .bsq-res__tag{background:#1c244b;color:#ffffff;}\n.bsq-dual{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:20px;}\n.bsq-dual__card{background:#f7f8fb;border-radius:14px;padding:18px;}\n.bsq-dual__title{font-size:15px;font-weight:700;color:#1c244b;margin:0 0 8px 0;}\n.bsq-dual__text{font-size:13px;line-height:1.6;color:#595757;margin:0 0 12px 0;}\n.bsq-reiniciar{background:none;border:none;color:#686766;font-size:13px;cursor:pointer;margin-top:18px;padding:0;font-family:\"Poppins\",sans-serif;display:block;}\n.bsq-reiniciar:hover{color:#1c244b;}\n@media(max-width:600px){.bsq-dual{grid-template-columns:1fr;}}\n<\/style>\n<div class=\"bsq-wrap\">\n  <div id=\"bsq-s1\" class=\"bsq-step activo\">\n    <h3 class=\"bsq-titulo\">Locuie\u0219ti \u00een prezent \u00een Germania?<\/h3>\n    <p class=\"bsq-sub\">Asta ne ajut\u0103 s\u0103 \u00een\u021belegem situa\u021bia ta de pornire.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s2')\"><span>\u2705<\/span> Da, locuiesc \u00een Germania<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s5')\"><span>\u2708\ufe0f<\/span> Nu, \u00eenc\u0103 nu sunt \u00een Germania<\/button>\n  <\/div>\n  <div id=\"bsq-s2\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s1')\">\u2190 \u00cenapoi<\/button>\n    <h3 class=\"bsq-titulo\">Urmeaz\u0103 s\u0103 \u00eencepi s\u0103 lucrezi \u00een cur\u00e2nd?<\/h3>\n    <p class=\"bsq-sub\">Spune-ne dac\u0103 ai un loc de munc\u0103 \u00een perspectiv\u0103 sau nu.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s3')\"><span>\ud83d\udcbc<\/span> Da, urmeaz\u0103 s\u0103 \u00eencep s\u0103 lucrez<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s5')\"><span>\ud83d\udd0d<\/span> Nu, \u00eenc\u0103 nu am un loc de munc\u0103<\/button>\n  <\/div>\n  <div id=\"bsq-s3\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s2')\">\u2190 \u00cenapoi<\/button>\n    <h3 class=\"bsq-titulo\">Cum este locul t\u0103u de munc\u0103?<\/h3>\n    <p class=\"bsq-sub\">Tipul de contract determin\u0103 ce asigurare \u021bi se cuvine.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r1')\"><span>\ud83e\ude99<\/span> Un minijob (p\u00e2n\u0103 la 603 \u20ac brut\/lun\u0103)<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s4')\"><span>\ud83c\udfe2<\/span> Lucrez ca angajat (contract de munc\u0103)<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r4')\"><span>\ud83d\udcbb<\/span> Lucrez ca liber-profesionist sau freelancer<\/button>\n  <\/div>\n  <div id=\"bsq-s4\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s3')\">\u2190 \u00cenapoi<\/button>\n    <h3 class=\"bsq-titulo\">Care este salariul t\u0103u lunar brut?<\/h3>\n    <p class=\"bsq-sub\">Pragul de 6.450 \u20ac brut\/lun\u0103 determin\u0103 dac\u0103 po\u021bi accesa asigurarea privat\u0103.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r2')\"><span>\ud83d\udcb6<\/span> Mai pu\u021bin de 6.450 \u20ac brut pe lun\u0103<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r3')\"><span>\ud83d\udcb0<\/span> Mai mult de 6.450 \u20ac brut pe lun\u0103<\/button>\n  <\/div>\n  <div id=\"bsq-s5\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqIr('bsq-s1')\">\u2190 \u00cenapoi<\/button>\n    <h3 class=\"bsq-titulo\">Ce urmeaz\u0103 s\u0103 faci \u00een Germania?<\/h3>\n    <p class=\"bsq-sub\">Selecteaz\u0103 op\u021biunea care descrie cel mai bine situa\u021bia ta.<\/p>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r1')\"><span>\ud83d\udde3\ufe0f<\/span> S\u0103 \u00eenv\u0103\u021b limba \u0219i\/sau s\u0103 caut un loc de munc\u0103<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r5')\"><span>\ud83c\udf93<\/span> S\u0103 studiez la universitate<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-r6')\"><span>\ud83d\udc4b<\/span> S\u0103 vizitez pe cineva temporar<\/button>\n    <button class=\"bsq-btn\" onclick=\"bsqIr('bsq-s3')\"><span>\ud83d\udcc4<\/span> Am o ofert\u0103 de munc\u0103<\/button>\n  <\/div>\n  <div id=\"bsq-r1\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 \u00cenapoi<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Asigurare recomandat\u0103<\/span>\n      <h3 class=\"bsq-res__titulo\">Asigurare medical\u0103 temporar\u0103<\/h3>\n      <p class=\"bsq-res__texto\">Asigurarea medical\u0103 temporar\u0103 este op\u021biunea cea mai potrivit\u0103 pentru situa\u021bia ta. Acoper\u0103 asisten\u021ba medical\u0103 de baz\u0103, stomatologic\u0103 \u0219i spitaliceasc\u0103 c\u00e2t timp cau\u021bi un loc de munc\u0103 sau \u00eenve\u021bi germana, de la 36 \u20ac\/lun\u0103. Este valabil\u0103 pentru solicitarea vizei \u0219i o po\u021bi p\u0103stra p\u00e2n\u0103 la maximum 5 ani.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-de-sanatate-pentru-studenti-sau-persoanele-care-sunt-in-cautarea-unui-loc-de-munca\/\" class=\"brx-btn brx-btn--navy\">Vezi mai multe informa\u021bii<\/a>\n        <a href=\"https:\/\/www.bramex.de\/ro\/tarife-asigurare-medicala-temporara-germania\/\" class=\"brx-btn brx-btn--yellow\">Vezi tarife \u0219i acoperiri<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba \u00cencepe din nou<\/button>\n    <\/div>\n  <\/div>\n  <div id=\"bsq-r2\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 \u00cenapoi<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Asigurare recomandat\u0103<\/span>\n      <h3 class=\"bsq-res__titulo\">Asigurare medical\u0103 public\u0103 (GKV)<\/h3>\n      <p class=\"bsq-res__texto\">Cu salariul t\u0103u de angajat, ceea ce \u021bi se cuvine este o asigurare public\u0103 de s\u0103n\u0103tate (Krankenkasse). Angajatorul t\u0103u contribuie cu jum\u0103tate din cost. La Bramex te ajut\u0103m s\u0103 alegi cea mai bun\u0103 Krankenkasse \u0219i gestion\u0103m \u00eentregul proces gratuit.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-publica-de-sanatate-krankenkasse\/\" class=\"brx-btn brx-btn--navy\">Mai multe despre asigurarea public\u0103<\/a>\n        <a href=\"https:\/\/www.bramex.de\/ro\/comparator-krankenkassen-germania\/\" class=\"brx-btn brx-btn--yellow\">Comparator de Krankenkassen<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba \u00cencepe din nou<\/button>\n    <\/div>\n  <\/div>\n  <div id=\"bsq-r3\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 \u00cenapoi<\/button>\n    <div class=\"bsq-res bsq-res--dual\">\n      <span class=\"bsq-res__tag\">Dou\u0103 op\u021biuni disponibile<\/span>\n      <h3 class=\"bsq-res__titulo\">Asigurare public\u0103 (GKV) sau asigurare privat\u0103 (PKV)<\/h3>\n      <p class=\"bsq-res__texto\">Cu un salariu de peste 6.450 \u20ac brut pe lun\u0103 ai acces at\u00e2t la asigurarea public\u0103, c\u00e2t \u0219i la cea privat\u0103. Ambele op\u021biuni au avantaje diferite. \u00ce\u021bi recomand\u0103m s\u0103 compari \u00eenainte de a decide.<\/p>\n      <div class=\"bsq-dual\">\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">Asigurare public\u0103 (GKV)<\/h4>\n          <p class=\"bsq-dual__text\">Acoperire standard a sistemului public german. Angajatorul contribuie cu jum\u0103tate.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-publica-de-sanatate-krankenkasse\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">Vezi mai mult<\/a>\n        <\/div>\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">Asigurare privat\u0103 (PKV)<\/h4>\n          <p class=\"bsq-dual__text\">Acoperire mai extins\u0103, timpi de a\u0219teptare mai scur\u021bi, rezerv\u0103 individual\u0103.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-privata-germania\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">Vezi mai mult<\/a>\n        <\/div>\n      <\/div>\n      <a href=\"https:\/\/www.bramex.de\/ro\/asigurare-publica-vs-privata-germania\/\" class=\"brx-btn brx-btn--yellow\">Comparator public vs privat<\/a>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba \u00cencepe din nou<\/button>\n    <\/div>\n  <\/div>\n  <div id=\"bsq-r4\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 \u00cenapoi<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Asigurare recomandat\u0103<\/span>\n      <h3 class=\"bsq-res__titulo\">Asigurare medical\u0103 pentru liber-profesioni\u0219ti \u0219i freelanceri<\/h3>\n      <p class=\"bsq-res__texto\">Ca liber-profesionist sau freelancer \u00een Germania, asigurarea privat\u0103 de s\u0103n\u0103tate este de obicei op\u021biunea cea mai potrivit\u0103. La Bramex \u00ee\u021bi explic\u0103m op\u021biunile disponibile \u0219i te ajut\u0103m s\u0103 alegi cea mai bun\u0103 acoperire pentru situa\u021bia ta.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-sanatate-pentru-freelancer\/\" class=\"brx-btn brx-btn--navy\">Asigurare pentru freelanceri<\/a>\n        <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--yellow\">Solicit\u0103 consultan\u021b\u0103<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba \u00cencepe din nou<\/button>\n    <\/div>\n  <\/div>\n  <div id=\"bsq-r5\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 \u00cenapoi<\/button>\n    <div class=\"bsq-res bsq-res--dual\">\n      <span class=\"bsq-res__tag\">Dou\u0103 op\u021biuni disponibile<\/span>\n      <h3 class=\"bsq-res__titulo\">Asigurare pentru studen\u021bi sau asigurare temporar\u0103<\/h3>\n      <p class=\"bsq-res__texto\">Dac\u0103 urmeaz\u0103 s\u0103 studiezi la o universitate german\u0103, ai dou\u0103 op\u021biuni \u00een func\u021bie de situa\u021bia ta:<\/p>\n      <div class=\"bsq-dual\">\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">Asigurare pentru studen\u021bi universitari<\/h4>\n          <p class=\"bsq-dual__text\">Pentru studen\u021bi din afara UE \u00eenmatricula\u021bi la o universitate german\u0103.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-pentru-studenti-straini-in-germania\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">Vezi mai mult<\/a>\n        <\/div>\n        <div class=\"bsq-dual__card\">\n          <h4 class=\"bsq-dual__title\">Asigurare temporar\u0103<\/h4>\n          <p class=\"bsq-dual__text\">Alternativ\u0103 valabil\u0103 c\u00e2t timp \u00ee\u021bi clarifici situa\u021bia sau nu \u00eendepline\u0219ti cerin\u021bele asigur\u0103rii pentru studen\u021bi.<\/p>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-de-sanatate-pentru-studenti-sau-persoanele-care-sunt-in-cautarea-unui-loc-de-munca\/\" class=\"brx-btn brx-btn--navy\" style=\"font-size:14px;padding:10px 16px;\">Vezi mai mult<\/a>\n        <\/div>\n      <\/div>\n      <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--yellow\">Ai \u00eentreb\u0103ri? Consult\u0103 un consilier<\/a>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba \u00cencepe din nou<\/button>\n    <\/div>\n  <\/div>\n  <div id=\"bsq-r6\" class=\"bsq-step\">\n    <button class=\"bsq-back\" onclick=\"bsqVolver()\">\u2190 \u00cenapoi<\/button>\n    <div class=\"bsq-res\">\n      <span class=\"bsq-res__tag\">Asigurare recomandat\u0103<\/span>\n      <h3 class=\"bsq-res__titulo\">Asigurare pentru vizitatori \u0219i\/sau solicitarea vizei<\/h3>\n      <p class=\"bsq-res__texto\">Dac\u0103 vii \u00een Germania temporar sau ai nevoie de o asigurare pentru a solicita viza Schengen, asigurarea pentru vizitatori este op\u021biunea potrivit\u0103. Acoper\u0103 asisten\u021ba medical\u0103 \u0219i este compatibil\u0103 cu cerin\u021bele ambasadei germane.<\/p>\n      <div class=\"bsq-res__btns\">\n        <a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-vizitatori-germania\/\" class=\"brx-btn brx-btn--navy\">Mai multe informa\u021bii<\/a>\n        <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--yellow\">Solicit\u0103 informa\u021bii<\/a>\n      <\/div>\n      <button class=\"bsq-reiniciar\" onclick=\"bsqReiniciar()\">\u21ba \u00cencepe din nou<\/button>\n    <\/div>\n  <\/div>\n<\/div>\n<script>\nvar bsqAnterior = \"bsq-s1\";\nfunction bsqIr(id) {\n  var actual = document.querySelector(\".bsq-step.activo\");\n  if (actual) {\n    bsqAnterior = actual.id;\n    actual.classList.remove(\"activo\");\n  }\n  var siguiente = document.getElementById(id);\n  if (siguiente) {\n    siguiente.classList.add(\"activo\");\n    siguiente.scrollIntoView({behavior:\"smooth\", block:\"start\"});\n  }\n}\nfunction bsqVolver() {\n  bsqIr(bsqAnterior);\n}\nfunction bsqReiniciar() {\n  var todos = document.querySelectorAll(\".bsq-step\");\n  for (var i = 0; i < todos.length; i++) {\n    todos[i].classList.remove(\"activo\");\n  }\n  document.getElementById(\"bsq-s1\").classList.add(\"activo\");\n  bsqAnterior = \"bsq-s1\";\n  document.querySelector(\".bsq-wrap\").scrollIntoView({behavior:\"smooth\", block:\"start\"});\n}\n<\/script>\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-a38dbd1 e-con-full e-flex e-con e-parent\" data-id=\"a38dbd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0a44e3 elementor-widget elementor-widget-html\" data-id=\"c0a44e3\" 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-section\">\n  <div class=\"brx-container\">\n    <div style=\"max-width:680px; margin:0 auto; padding:24px; background:#f7f8fb; border-radius:16px; font-size:14px; color:#686766; line-height:1.6;\">\n      Acest ghid te orienteaz\u0103 \u00een func\u021bie de r\u0103spunsurile pe care le dai. Rezultatul poate varia \u00een func\u021bie de variabile suplimentare precum starea ta de s\u0103n\u0103tate, situa\u021bia familial\u0103 sau condi\u021biile concrete ale contractului t\u0103u. Pentru o evaluare personalizat\u0103, <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" style=\"color:#1c244b; font-weight:600; text-decoration:underline;\">contacteaz\u0103-ne direct<\/a>.\n    <\/div>\n  <\/div>\n<\/section>\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <div class=\"brx-mini-cta\">\n      <h2 class=\"brx-mini-cta__title\">Nu g\u0103se\u0219ti op\u021biunea potrivit\u0103?<\/h2>\n      <p class=\"brx-mini-cta__text\">Spune-ne care este situa\u021bia ta \u0219i te ajut\u0103m s\u0103 g\u0103se\u0219ti solu\u021bia cea mai potrivit\u0103 pentru tine \u00een Germania, \u00eentr-un mod clar, profesionist \u0219i f\u0103r\u0103 obliga\u021bii.<\/p>\n      <div class=\"brx-mini-cta__actions\">\n        <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--navy\">Spune-ne de ce ai nevoie<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\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-6ead87f e-con-full e-flex e-con e-parent\" data-id=\"6ead87f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-675fffb elementor-widget elementor-widget-html\" data-id=\"675fffb\" 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<style>\n  \/* === Perfiles (cards) \u2014 a\u00f1ade al sistema brx-* === *\/\n  .brx-pkv-profiles {\n    display: grid;\n    grid-template-columns: repeat(2, 1fr);\n    gap: 22px;\n    margin-top: 30px;\n  }\n  .brx-pkv-profiles__card {\n    background: #fff;\n    border: 1px solid #eef0f4;\n    border-left: 4px solid #ffb905;\n    border-radius: 10px;\n    padding: 26px;\n    box-shadow: 0 2px 12px rgba(28,36,75,.06);\n    display: flex;\n    flex-direction: column;\n    transition: transform .2s ease, box-shadow .2s ease;\n  }\n  .brx-pkv-profiles__card:hover {\n    transform: translateY(-3px);\n    box-shadow: 0 8px 22px rgba(28,36,75,.10);\n  }\n  .brx-pkv-profiles__title {\n    color: #1c244b;\n    font-size: 1.15rem;\n    font-weight: 700;\n    margin: 0 0 12px;\n    display: flex;\n    align-items: center;\n    gap: 12px;\n    line-height: 1.3;\n  }\n  .brx-pkv-profiles__emoji {\n    font-size: 1.5rem;\n    line-height: 1;\n  }\n  .brx-pkv-profiles__text {\n    font-size: .95rem;\n    margin: 0 0 16px;\n    flex-grow: 1;\n    color: #595757;\n  }\n  .brx-pkv-profiles__rec {\n    background: #f7f8fb;\n    border-radius: 6px;\n    padding: 12px 14px;\n    font-size: .9rem;\n    margin-bottom: 14px;\n    line-height: 1.5;\n  }\n  .brx-pkv-profiles__rec strong { color: #1c244b; }\n  .brx-pkv-profiles__link {\n    color: #1c244b !important;\n    font-weight: 600;\n    font-size: .92rem;\n    text-decoration: none !important;\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    margin-top: auto;\n  }\n  .brx-pkv-profiles__link:hover { color: #ffb905 !important; }\n  .brx-pkv-profiles__link::after { content: \"\u2192\"; transition: transform .2s ease; }\n  .brx-pkv-profiles__link:hover::after { transform: translateX(4px); }\n  @media (max-width: 760px) {\n    .brx-pkv-profiles { grid-template-columns: 1fr; gap: 16px; }\n    .brx-pkv-profiles__card { padding: 22px; }\n  }\n<\/style>\n<div class=\"brx-wrap\">\n  <!-- ============ TABEL COMPARATIV ============ -->\n  <section class=\"brx-section brx-bg-soft\">\n    <div class=\"brx-container\">\n      <h2 class=\"brx-section-title brx-section-title--center\">Cele 4 op\u021biuni de asigurare medical\u0103 \u00een Germania<\/h2>\n      <p class=\"brx-section-text brx-section-text--center\">\u00cenainte de a intra \u00een profiluri, o privire comparativ\u0103 ca s\u0103 te orientezi. Fiecare r\u00e2nd este una dintre cele patru c\u0103i posibile.<\/p>\n      <table class=\"brx-pkv-compare\">\n        <thead>\n          <tr>\n            <th>Op\u021biune<\/th>\n            <th>Pentru cine<\/th>\n            <th>Cost orientativ (2026)<\/th>\n            <th>Cerin\u021be<\/th>\n            <th>Mai multe info<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td data-label=\"Op\u021biune\"><strong>Asigurare public\u0103 (GKV)<\/strong><\/td>\n            <td data-label=\"Pentru cine\">Angaja\u021bi cu contract \u0219i salariu brut sub <strong>77.400 \u20ac\/an<\/strong>. Angajatorul pl\u0103te\u0219te jum\u0103tate.<\/td>\n            <td data-label=\"Cost\">~17,5 % din salariul brut (14,6 % baz\u0103 + ~2,9 % Zusatzbeitrag mediu). Plafon la salariul de 5.812,50 \u20ac\/lun\u0103.<\/td>\n            <td data-label=\"Cerin\u021be\">Contract de munc\u0103, Anmeldung, Steuer-ID.<\/td>\n            <td data-label=\"Mai multe info\"><a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-publica-de-sanatate-krankenkasse\/\" class=\"brx-pkv-compare__badge\">Vezi GKV<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td data-label=\"Op\u021biune\"><strong>Asigurare privat\u0103 (PKV)<\/strong><\/td>\n            <td data-label=\"Pentru cine\">Angaja\u021bi cu salariu <strong>&gt; 77.400 \u20ac\/an<\/strong>, liber-profesioni\u0219ti, freelanceri \u0219i func\u021bionari publici.<\/td>\n            <td data-label=\"Cost\">Variabil \u00een func\u021bie de v\u00e2rst\u0103, s\u0103n\u0103tate \u0219i acoperire. Contribu\u021bia maxim\u0103 a angajatorului: <strong>508,59 \u20ac\/lun\u0103<\/strong>.<\/td>\n            <td data-label=\"Cerin\u021be\">Dep\u0103\u0219irea pragului sau statut de liber-profesionist \/ func\u021bionar. Chestionar de s\u0103n\u0103tate.<\/td>\n            <td data-label=\"Mai multe info\"><a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-privata-germania\/\" class=\"brx-pkv-compare__badge\">Vezi PKV<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td data-label=\"Op\u021biune\"><strong>Asigurare temporar\u0103<\/strong><\/td>\n            <td data-label=\"Pentru cine\">Nou-veni\u021bi f\u0103r\u0103 contract, cursan\u021bi de german\u0103, persoane \u00een c\u0103utarea unui loc de munc\u0103, liber-profesioni\u0219ti la \u00eenceput \u0219i solicit\u0103ri de viz\u0103.<\/td>\n            <td data-label=\"Cost\"><strong>De la 36 \u20ac\/lun\u0103<\/strong> (sub 35 de ani, primul an); <strong>75 \u20ac\/lun\u0103<\/strong> (peste 35 de ani sau liber-profesioni\u0219ti).<\/td>\n            <td data-label=\"Cerin\u021be\">Pa\u0219aport \u0219i date de baz\u0103. Nu necesit\u0103 Anmeldung pentru \u00eencheiere.<\/td>\n            <td data-label=\"Mai multe info\"><a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-de-sanatate-pentru-studenti-sau-persoanele-care-sunt-in-cautarea-unui-loc-de-munca\/\" class=\"brx-pkv-compare__badge\">Vezi temporar\u0103<\/a><\/td>\n          <\/tr>\n          <tr>\n            <td data-label=\"Op\u021biune\"><strong>Asigurare pentru studen\u021bi<\/strong><\/td>\n            <td data-label=\"Pentru cine\">Studen\u021bi \u00eenmatricula\u021bi la o universitate german\u0103, de regul\u0103 sub 30 de ani.<\/td>\n            <td data-label=\"Cost\">Tarif GKV redus pentru studen\u021bi. Peste 30 de ani \u0219i doctoranzi: privat\u0103.<\/td>\n            <td data-label=\"Cerin\u021be\">\u00cenmatriculare universitar\u0103.<\/td>\n            <td data-label=\"Mai multe info\"><a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-pentru-studenti-straini-in-germania\/\" class=\"brx-pkv-compare__badge\">Vezi studen\u021bi<\/a><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n      <p class=\"brx-table-note\">Cifre 2026. Costuri orientative, supuse condi\u021biilor individuale (v\u00e2rst\u0103, s\u0103n\u0103tate, tip de acoperire).<\/p>\n    <\/div>\n  <\/section>\n  <!-- ============ PROFILURI ============ -->\n  <section class=\"brx-section\">\n    <div class=\"brx-container\">\n      <h2 class=\"brx-section-title brx-section-title--center\">Ce asigurare medical\u0103 \u021bi se cuvine \u00een func\u021bie de profilul t\u0103u?<\/h2>\n      <p class=\"brx-section-text brx-section-text--center\">Cele \u0219ase profiluri cele mai frecvente \u00een r\u00e2ndul str\u0103inilor care ajung sau locuiesc \u00een Germania. Identific\u0103-l pe al t\u0103u \u0219i mergi direct la serviciul care \u021bi se potrive\u0219te.<\/p>\n      <div class=\"brx-pkv-profiles\">\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udc54<\/span> Angajat cu contract de munc\u0103<\/h3>\n          <p class=\"brx-pkv-profiles__text\">Dac\u0103 ai un contract ca <em>Angestellte\/r<\/em>, situa\u021bia ta depinde de salariu. Angajatorul pl\u0103te\u0219te jum\u0103tate din contribu\u021bie \u00een ambele cazuri.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>Salariu &lt; 77.400 \u20ac\/an:<\/strong> GKV obligatorie.<br>\n            <strong>Salariu &gt; 77.400 \u20ac\/an:<\/strong> alegi \u00eentre GKV voluntar\u0103 sau PKV.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/ro\/comparator-krankenkassen-germania\/\" class=\"brx-pkv-profiles__link\">Compar\u0103 Krankenkassen<\/a>\n        <\/article>\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udcbb<\/span> Liber-profesionist sau freelancer<\/h3>\n          <p class=\"brx-pkv-profiles__text\">Ca <em>Selbstst\u00e4ndige\/r<\/em> nu ai acces automat la GKV obligatorie. Po\u021bi alege \u00eentre GKV voluntar\u0103, PKV sau o asigurare temporar\u0103 c\u00e2t timp \u00ee\u021bi porne\u0219ti afacerea.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>\u021ai se cuvine:<\/strong> GKV voluntar\u0103 sau PKV (\u00een func\u021bie de v\u00e2rst\u0103, venituri estimate \u0219i s\u0103n\u0103tate). Dac\u0103 tocmai ai ajuns \u0219i \u00eenc\u0103 nu facturezi, \u00eencepe cu asigurarea temporar\u0103.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-sanatate-pentru-freelancer\/\" class=\"brx-pkv-profiles__link\">Asigurare pentru freelanceri<\/a>\n        <\/article>\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udeec<\/span> Nou-venit f\u0103r\u0103 contract<\/h3>\n          <p class=\"brx-pkv-profiles__text\">Dac\u0103 tocmai ai aterizat \u0219i \u00eenc\u0103 nu ai un contract semnat, nu te vei putea \u00eenscrie la o Krankenkasse public\u0103. Asigurarea temporar\u0103 acoper\u0103 perioada de tranzi\u021bie.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>\u021ai se cuvine:<\/strong> asigurare medical\u0103 temporar\u0103 de la <strong>36 \u20ac\/lun\u0103<\/strong>. Valabil\u0103 pentru viz\u0103 \u0219i poate fi p\u0103strat\u0103 p\u00e2n\u0103 la 5 ani.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurarea-de-sanatate-pentru-studenti-sau-persoanele-care-sunt-in-cautarea-unui-loc-de-munca\/\" class=\"brx-pkv-profiles__link\">Vezi asigurarea temporar\u0103<\/a>\n        <\/article>\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83c\udf93<\/span> Student la universitate<\/h3>\n          <p class=\"brx-pkv-profiles__text\">Dac\u0103 vii s\u0103 studiezi la o universitate german\u0103, de regul\u0103 po\u021bi accesa tariful GKV redus pentru studen\u021bi p\u00e2n\u0103 la 30 de ani. Peste aceast\u0103 v\u00e2rst\u0103 sau ca doctorand, trebuie s\u0103 alegi privat\u0103.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>\u021ai se cuvine:<\/strong> asigurare GKV pentru studen\u021bi (sub 30 de ani) sau asigurare privat\u0103 pentru studen\u021bi \/ doctoranzi.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-pentru-studenti-straini-in-germania\/\" class=\"brx-pkv-profiles__link\">Vezi asigurarea pentru studen\u021bi<\/a>\n        <\/article>\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\ud83d\udfe6<\/span> Profesionist cu Blue Card<\/h3>\n          <p class=\"brx-pkv-profiles__text\">Dac\u0103 vii cu Blue Card (salariu minim 50.700 \u20ac\/an \u00een 2026, sau 45.934 \u20ac \u00een profesiile deficitare), de regul\u0103 intri \u00een GKV obligatorie. Doar dac\u0103 dep\u0103\u0219e\u0219ti 77.400 \u20ac\/an po\u021bi lua \u00een calcul PKV.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>\u021ai se cuvine:<\/strong> GKV obligatorie. Dac\u0103 dep\u0103\u0219e\u0219ti 77.400 \u20ac\/an: compar\u0103 GKV vs PKV. C\u00e2t timp \u00ee\u021bi procesezi viza: temporar\u0103.\n          <\/div>\n          \n            <a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-privata-germania\/\" class=\"brx-pkv-profiles__link\">Vezi asigurarea privat\u0103 (PKV)<\/a>\n        <\/article>\n        <article class=\"brx-pkv-profiles__card\">\n          <h3 class=\"brx-pkv-profiles__title\"><span class=\"brx-pkv-profiles__emoji\">\u2708\ufe0f<\/span> Vizit\u0103 sau solicitare de viz\u0103<\/h3>\n          <p class=\"brx-pkv-profiles__text\">Dac\u0103 vii \u00een vizit\u0103, pentru o \u0219edere scurt\u0103 sau ai nevoie de o asigurare pentru a solicita viza Schengen, nu ai nevoie (\u0219i nici nu po\u021bi \u00eencheia) de o asigurare structural\u0103 german\u0103.<\/p>\n          <div class=\"brx-pkv-profiles__rec\">\n            <strong>\u021ai se cuvine:<\/strong> asigurare pentru vizitatori \/ solicitarea vizei Schengen. Compatibil\u0103 cu cerin\u021bele ambasadei germane.\n          <\/div>\n          <a href=\"https:\/\/www.bramex.de\/ro\/asigurare-medicala-vizitatori-germania\/\" class=\"brx-pkv-profiles__link\">Asigurare pentru vizitatori<\/a>\n        <\/article>\n      <\/div>\n    <\/div>\n  <\/section>\n<\/div>\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-7ff8a14 e-flex e-con-boxed e-con e-parent\" data-id=\"7ff8a14\" 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-b074742 elementor-widget elementor-widget-shortcode\" data-id=\"b074742\" 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<style id=\"elementor-post-39734\">.elementor-39734 .elementor-element.elementor-element-315ea22{--display:flex;}<\/style>\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"39737\" class=\"elementor elementor-39737 elementor-39731 elementor-39731\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-315ea22 e-flex e-con-boxed e-con e-parent\" data-id=\"315ea22\" 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-fb26d8c elementor-widget elementor-widget-html\" data-id=\"fb26d8c\" 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<!-- ============ BLOQUE RESE\u00d1AS \u00b7 BRAMEX \u00b7 RO ============ -->\n<section class=\"brx-rev\">\n  <div class=\"brx-rev__wrap\">\n\n    <p class=\"brx-rev__eyebrow\">Recenzii<\/p>\n    <h2 class=\"brx-rev__title\">Ce spun clien\u021bii no\u0219tri<\/h2>\n\n    <div class=\"brx-rev__panel\">\n      <span class=\"brx-rev__score\">4,9<\/span>\n      <span class=\"brx-rev__panelblock\">\n        <span class=\"brx-rev__pstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <span class=\"brx-rev__plabel\">Nota medie de la clien\u021bii no\u0219tri pe Google<\/span>\n      <\/span>\n    <\/div>\n\n    <div class=\"brx-rev__grid\">\n\n      <div class=\"brx-rev__card\">\n        <span class=\"brx-rev__cstars\">\u2605\u2605\u2605\u2605\u2605<\/span>\n        <p class=\"brx-rev__quote\">\"Serviciu excelent. 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Rezultatul este imediat \u0219i f\u0103r\u0103 s\u0103 fie nevoie s\u0103 la\u0219i adresa de email. \u00cencepe ghidul \u2192 Solicit\u0103 consultan\u021b\u0103 gratuit\u0103 Consultan\u021b\u0103 gratuit\u0103 \u00b7 &#8230; <a title=\"Ce asigurare medical\u0103 s\u0103 alegi \u00een Germania \u00een func\u021bie de situa\u021bia ta\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/ro\/gaseste-asigurare-medicala-germania\/\" aria-label=\"Cite\u0219te mai multe despre Ce asigurare medical\u0103 s\u0103 alegi \u00een Germania \u00een func\u021bie de situa\u021bia ta\">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-40017","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>Ce asigurare medical\u0103 s\u0103 alegi \u00een Germania? 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