{"id":15727,"date":"2021-03-09T10:25:19","date_gmt":"2021-03-09T10:25:19","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/cum-va-indepliniti-obligatia-asigurarii-de-sanatate-de-stat-in-germania-si-casele-de-asigurari-gkv"},"modified":"2024-11-27T14:22:33","modified_gmt":"2024-11-27T14:22:33","slug":"cum-va-indepliniti-obligatia-asigurarii-de-sanatate-de-stat-germania-si-casele-de-asigurari-gkv","status":"publish","type":"post","link":"https:\/\/wpvip.tgalpha.com\/ro\/cum-va-indepliniti-obligatia-asigurarii-de-sanatate-de-stat-germania-si-casele-de-asigurari-gkv","title":{"rendered":"Cum v\u0103 \u00eendeplini\u021bi obliga\u021bia asigur\u0103rii de s\u0103n\u0103tate de stat \u00een Germania \u0219i casele de asigur\u0103ri GKV"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">Dac\u0103 ave\u021bi domiciliul \u00eenregistrat \u00een Germania \u0219i locui\u021bi \u00een mod obi\u0219nuit \u00een Germania, trebuie s\u0103 ave\u021bi \u0219i o asigurare de s\u0103n\u0103tate se stat. Acest lucru este valabil \u0219i pentru membrii familiei, dac\u0103 locuiesc aici. \u00cen Germania exist\u0103 obliga\u021bia asigur\u0103rii de s\u0103n\u0103tate de stat (GKV &#8211; Gesetzliche Krankenversicherung).<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Asigurarea de s\u0103n\u0103tate de stat acoper\u0103 costurile pentru vizitele medicale precum \u0219i pentru multe medicamente \u0219i tratamente.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">C\u0103 membru al GKV sunte\u021bi asigurat automat \u0219i pentru \u00eengrijire medical\u0103. Asigurarea de \u00eengrijire legal\u0103 va ofer\u0103 protec\u021bie social\u0103 de baz\u0103, \u00een cazul \u00een care ave\u021bi nevoie de \u00eengrijire pe termen lung cauzat\u0103 de boal\u0103.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">C\u00c2ND SUNTE\u021aI ASIGURAT \u00ceN REGIM&nbsp; OBLIGATORIU (GVK)?&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Acestea sunt situa\u021biile pentru care exist\u0103, \u00een principiu, obliga\u021bia asigur\u0103rii de s\u0103n\u0103tate de stat (conform art. 5 alineatul (1) din Codul Social V &#8211; Sozialgesetzbuch (SGB V) Gesetzliche Krankenversicherung):&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">sunte\u021bi angajat\/angajat\u0103 sau v\u0103 afla\u021bi \u00een formare profesional\u0103;\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">munci\u021bi independent \u00een Germania;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">sunte\u021bi\u00a0membru de familie al unei persoane asigurate GKV\u00a0 (\u00een asigurarea de s\u0103n\u0103tate de stat germana, copiii \u0219i so\u021bul\/so\u021bia pot fi co-asigura\u021bi gratuit, printr-o asigurare de familie!);<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">sunte\u021bi\u00a0student\/student\u0103;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">sunte\u021bi pensionar;\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">beneficia\u021bi de ajutor de \u0219omaj I.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">Contribu\u021biile la asigur\u0103rile de s\u0103n\u0103tate de stat depind de venituri. Baza este considerat\u0103 venitul brut total, din care se percepe o rat\u0103 de contribu\u021bie de 14,6% (din 2020). Aceast\u0103 este \u00eemp\u0103r\u021bit\u0103 \u00een mod egal \u00eentre dumneavoastr\u0103 \u0219i angajator, fiecare particip\u00e2nd cu c\u00e2te 7,3%. \u00cen plus, fiecare cas\u0103 de asigur\u0103ri de s\u0103n\u0103tate percepe o contribu\u021bie suplimentar\u0103, care este pl\u0103tit\u0103 numai de c\u0103tre angajat.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Obliga\u021bia asigur\u0103rii de s\u0103n\u0103tate ca angajat<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Asigurarea social\u0103 este o asigurare obligatorie \u00een Germania. Acest lucru este valabil \u0219i pentru asigurarea medical\u0103 pentru str\u0103ini. Imediat, sau chiar \u00eenainte de a \u00eencepe lucrul \u00een Germania, trebuie s\u0103 fi\u021bi asigura\u021bi.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">De \u00eenregistrarea dumneavoastr\u0103 \u00een sistemul de securitate social\u0103, deci \u0219i \u00een sistemul de asigurare de s\u0103n\u0103tate, se ocup\u0103 angajatorul. Dumneavoastr\u0103 ave\u021bi obliga\u021bia de a \u00eei pune la dispozi\u021bie toate informa\u021biile necesare (a\u0219a-numita obliga\u021bie de cooperare).&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Ve\u021bi fi \u00eenregistrat ca membru \u00eentr-una dintre casele de asigur\u0103ri de s\u0103n\u0103tate ce func\u021bioneaz\u0103 \u00een regim legal GVK. Aceast\u0103 \u00eenseamn\u0103, c\u0103 pentru \u00eentreaga list\u0103 de servicii medicale acoperite de asigurarea de stat, fiecare dintre aceste case de s\u0103n\u0103tate cere aceea\u0219i contribu\u021bie.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Lista caselor de asigur\u0103ri de s\u0103n\u0103tate \u00een regim GVK (Krankenkassenliste), pe stat federal \u0219i actualizat\u0103 la zi, v\u0103 este pus\u0103 la dispozi\u021bie de c\u0103tre Asocia\u021bia Na\u021bional\u0103 a Fondurilor de Asigur\u0103ri de S\u0103n\u0103tate \u00een Germania (GKV-Spitzenverband). O pute\u021bi g\u0103si astfel:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">pe pagin\u0103 web: <a href=\"https:\/\/gkv-spitzenverband.de\/kassenliste\" target=\"_blank\" rel=\"noopener\">gkv-spitzenverband.de\/kassenliste<\/a> &#8211; sau\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">direct aici: <a href=\"https:\/\/gkv-spitzenverband.de\/krankenkassenliste.pdf\" target=\"_blank\" rel=\"noopener\">gkv-spitzenverband.de\/krankenkassenliste.pdf\u00a0<\/a><\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">Este posibil ca angajatul s\u0103 v\u0103 \u00eentrebe la ce cas\u0103 de asigur\u0103ri de s\u0103n\u0103tate dori\u021bi s\u0103 fi\u021bi \u00eenregistrat.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Acestea sunt dou\u0103 case de asigur\u0103ri care ofer\u0103 informa\u021bii detaliate \u00een limba rom\u00e2n\u0103:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">DAK-Gesundheit: <a href=\"https:\/\/dak.de\/dak\/rom\u00e2nesc-2176358.html#\/\" target=\"_blank\" rel=\"noopener\">dak.de\/dak\/rom\u00e2nesc-2176358.html#\/<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">AOK-Die Gesundheitkasse: <a href=\"https:\/\/ro.zuwanderer.aok.de\/pagin\u0103-de-pornire\/\" target=\"_blank\" rel=\"noopener\">ro.zuwanderer.aok.de\/pagin\u0103-de-pornire\/<\/a><\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Obliga\u021bia asigur\u0103rii de s\u0103n\u0103tate nu ca angajat<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Exist\u0103 \u0219i situa\u021bii \u00een care obliga\u021bia de a avea \u00eencheiat\u0103 o asigurare de s\u0103n\u0103tate r\u0103m\u00e2ne, \u00eens\u0103 nu ca angajat. Aceste situa\u021bii sunt:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">sunte\u021bi angajat cu norm\u0103 minim\u0103 (a\u0219a-numitul \u201eMinijob\u201c), nu c\u00e2\u0219tiga\u021bi mai mult de 450 de euro pe lun\u0103 \u0219i nu sunte\u021bi persoan\u0103 fizic\u0103 independent\u0103;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">lucra\u021bi independent, dar p\u00e2n\u0103 \u00een 20 de ore pe s\u0103pt\u0103m\u00e2na.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen aceste cazuri, asigurarea se poate realiza prin asigurarea de familie \u00een GKV, de exemplu ca partener &#8211; sau prin intermediul unui Jobcenter, dac\u0103 beneficia\u021bi de indemniza\u021bie de \u0219omaj I&nbsp; (pagin\u0103 web <a href=\"https:\/\/jobcenter-ge.de\/\" target=\"_blank\" rel=\"noopener\">jobcenter-ge.de\/<\/a>).<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">ASIGURAREA DE S\u0102N\u0102TATE ATUNCI C\u00c2ND VA AFLA\u021aI \u00ceN C\u0102UTAREA UNUI LOC DE MUNC\u0102&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Atunci c\u00e2nd va afla\u021bi \u00een c\u0103utarea unui loc de munc\u0103 \u00een Germania \u0219i ave\u021bi domiciliul \u00eenc\u0103 \u00een Rom\u00e2nia, r\u0103m\u00e2ne\u021bi \u00een continuare asigurat \u00een Rom\u00e2nia.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Pentru o asigurare de s\u0103n\u0103tate pentru cazuri de urgen\u021b\u0103, va recomand\u0103m s\u0103 va ob\u021bine\u021bi Cardul European de Asigur\u0103ri Sociale de S\u0103n\u0103tate (CEASS) \u00eenainte de a pleca \u00een din \u021bar\u0103. Este un card gratuit cu ajutorul c\u0103ruia, la nevoie, pute\u021bi beneficia de serviciile medicale de stat \u00een timpul unei \u0219ederi temporare. \u00cel ob\u021bine\u021bi de la cas\u0103 dumneavoastr\u0103 de asigurare de s\u0103n\u0103tate.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">NOT\u0102. Dac\u0103 sta\u021bi pentru mai mult de trei luni \u00een Germania, legea german\u0103 cere s\u0103 v\u0103 \u00eenregistra\u021bi la direc\u021bia local\u0103 de eviden\u021b\u0103 a popula\u021biei. Informa\u021bii referitoare la dreptul de \u0219edere g\u0103si\u021bi aici.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen cazul \u00een care va afla\u021bi \u00een c\u0103utarea unui loc de munc\u0103 \u0219i v-a\u021bi mutat \u0219i cu domiciliul \u00een Germania, v\u0103 supune\u021bi obliga\u021biei de asigurare automat\u0103. Pute\u021bi fi asigurat la una din<\/span><a href=\"https:\/\/www.gkv-spitzenverband.de\/kassenliste\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\"> casele de asigur\u0103ri<\/span><\/a><span style=\"font-weight: 400\"> obligatorii legale \u00een GKV (persoanele inactive au posibilitatea s\u0103 se asigure voluntar din punct de vedere legal, dup\u0103 expirarea acoperirii asigurarii medicale \u00een \u021bar\u0103 de origine).<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Persoanele care au fost asigurate privat \u00een \u021bara de origine, trebuie s\u0103 caute \u00een Germania o asigurare privat\u0103 de s\u0103n\u0103tate (PKV)<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"font-weight: 400\">ASIGURAREA DE S\u0102N\u0102TATE ATUNCI C\u00c2ND VA AFLA\u021aI \u00ceN \u0218OMAJ<\/span><\/h4>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen cazul \u00een care a\u021bi lucrat \u00een Germania \u0219i a\u021bi intrat ulterior \u00een \u0219omaj, la fel, ave\u021bi obliga\u021bia de asigurare. De cele mai multe ori asigurarea de s\u0103n\u0103tate va r\u0103m\u00e2ne la cas\u0103 de asigur\u0103ri anterioar\u0103. Cu toate acestea, cas\u0103 de asigur\u0103ri trebuie informat\u0103 cu privire la \u0219omaj.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Contribu\u021biile sunt pl\u0103tite de Agen\u021bia de munc\u0103 (indemniza\u021bia de \u0219omaj I) sau de Jobcenter (indemniza\u021bia de \u0219omaj \u00ceI\/\u201cHartz IV\u201c).<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Pentru mai multe informa\u021bii despre asigurarea de s\u0103n\u0103tate \u00een Germania ave\u021bi portalul KrankenkassenZentrale.de: krankenkassenzentrale.de\/wiki\/incoming-ro# (\u00een limba roman\u0103).<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">IMPORTANT: Centrele de consiliere v\u0103 pot r\u0103spunde la \u00eentreb\u0103ri \u0219i sf\u0103tui \u00een toate aceste cazuri, gratuit. Nu ezita\u021bi s\u0103 le cere\u021bi ajutorul!&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">Pe pagin\u0103 de internet <a href=\"https:\/\/eu-gleichbehandlungsstelle.de\/eugs-de\/eu-buerger\/beratungsstellen-suche\" target=\"_blank\" rel=\"noopener\">eu-gleichbehandlungsstelle.de\/eugs-de\/eu-buerger\/beratungsstellen-suche<\/a> pute\u021bi caut\u0103 un centru de consiliere dup\u0103 locatlitate\/cod po\u0219tal (Ort\/PLZ), tema pe care ave\u021bi nevoie de sf\u0103tuire (Betarugnsthema\/Sozialversicherung), \u0219i chair dup\u0103 limba vorbit\u0103 la centru (Sprache\/R\u00fcmanisch)<\/span><\/li>\n<\/ul>\n\n\n\n<p>Dac\u0103 v-a pl\u0103cut acest articol, va \u00eencuraj\u0103m s\u0103 afla\u021bi mai multe detalii \u0219i \u00een articolul urm\u0103tor! Click <a href=\"https:\/\/wpvip.tgalpha.com\/ro\/asigurarea-de-sanatate-de-familie-asigurarea-voluntara-si-primirea-de-asistenta-afara-asigurarii\/\">aici<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 ave\u021bi domiciliul \u00eenregistrat \u00een Germania \u0219i locui\u021bi \u00een mod obi\u0219nuit \u00een Germania, trebuie s\u0103 ave\u021bi \u0219i o asigurare de s\u0103n\u0103tate se stat. Acest lucru este valabil \u0219i pentru membrii familiei, dac\u0103 locuiesc aici. \u00cen Germania exist\u0103 obliga\u021bia asigur\u0103rii de s\u0103n\u0103tate de stat (GKV &#8211; Gesetzliche Krankenversicherung). Asigurarea de s\u0103n\u0103tate de stat acoper\u0103 costurile pentru [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15728,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1326,1323,1322],"tags":[],"business_case_studies_tags":[],"class_list":["post-15727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-munca-in-strainatate","category-sfaturi-viata-in-strainatate","category-viata-in-strainatate"],"jetpack_featured_media_url":"https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/resize-16152843722018051039iStock1216463384.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15727","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/comments?post=15727"}],"version-history":[{"count":0,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/15727\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/15728"}],"wp:attachment":[{"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=15727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=15727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=15727"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=15727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}