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Canada->Germania: cum ati rezolvat cu Krankenversicherung

Motorul economic al Europei, Germania este locul unde foarte multi romani au ales sa se stabileasca. In aceasta rubrica este permisa si publicarea de continut in limba germana.

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Canada->Germania: cum ati rezolvat cu Krankenversicherung

Mesajde gabi.popescu » 30 Mar 2014, 10:26

Je hais la prudence, elle ne vous amène à rien.
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Mesajde Tavi » 30 Mar 2014, 13:57

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Re: Canada->Germania: cum ati rezolvat cu Krankenversicherun

Mesajde Tavi » 01 Aug 2014, 09:56

Revin.

Depinde in ce conditii te muti in Germania (din Canada sau de oriunde altundeva).

Astfel, daca te muti cu job (angajat clasic, nu contractor), angajatorul e obligat sa se asigure ca angajatul e asigurat inca din prima zi. In acest sens, angajatul va trebui sa alega o "Krankenkasse" (http://www.krankenkassen.de/) si sa se inscrie la ei, urmand sa ii transmita toate detaliile angajatorului, astfel incat acesta sa faca partea sa de plata (7,xx% din salariul brut) si sa ii retina angajatului restul platii (8,xx%). Deci prin urmare angajatul e 100% asigurat inca din prima zi. Si daca are familie (sot/sotie/copii minori) daca acestia nu muncesc si ei sunt automat acoperiti de asigurarea sotului/parintelui angajat.

Daca insa te muti in DE fara job (si esti deci in cautare de job), sau ca si contractor, legea vrea (ca si in Canada) sa fii asigurat. Caz in care, ca european, ai dreptul sa te asiguri platind insa singur si acei 7,xx% care altfel ar fi in mod normal platiti de angajator.

Mai departe:

- exista asigurarea "de stat" si cea "privata". Ce e confuz e ca cea de stat e de fapt doar un set de reguli (cam ca asigurarea RCA din Romania), serviciile efective fiind oferite de diverse firme private care sunt in competitie intre ele. Ce trebuie insa retinut in acest caz e ca prima de asigurare e constanta si ca nu creste pe masura ce imbatranesti sau dupa ce te imbolnavesti. Dezavantajul e ca asigurarea insasi e mai scumpa decat 'modelul privat'.

- 'modelul privat' (oferit tot de firme private) e sa zicem mai 'capitalist' in sensul ca atunci cand esti tanar respectiv sanatos platesti mai putin decat 'la stat', insa primele cresc pe masura ce riscurile statistice cresc (varsta, antecedente, lifestyle samd.).

Cam asta ar fi. Foarte pe scurt, se pare ca pentru europenii clasici relocati in Germania in cautare de munca (deci nu vorbim nici de pensionari/miliardari/CEO/VP/etc.) cel mai recomandat e sa mearga pe sistemul "de stat", o asigurare buna pare-se fiind Techniker Krankenkasse: www.tk.de

Multa sanatate tuturor,
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Re: Canada->Germania: cum ati rezolvat cu Krankenversicherun

Mesajde astalavistababy » 06 Feb 2017, 10:34

kraken... ce???? :lol:
Uite de asta unora le-ar fi imposibil sa traiasca intr-o tara ca asta, plus ca dubleaza filmele :shock:
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Re: Canada->Germania: cum ati rezolvat cu Krankenversicherun

Mesajde capsunar » 06 Feb 2017, 10:51

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Re: Canada->Germania: cum ati rezolvat cu Krankenversicherun

Mesajde astalavistababy » 06 Feb 2017, 17:48

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