Trois options s’offrent \u00e0 vous\u00a0:<\/span>
\u2022 La premi\u00e8re consiste \u00e0 souscrire une assurance maladie priv\u00e9e aupr\u00e8s d’une soci\u00e9t\u00e9 allemande ;
\u2022 La seconde consiste \u00e0 souscrire une assurance maladie publique aupr\u00e8s de l’\u00c9tat allemand ;
\u2022 La troisi\u00e8me consiste \u00e0 souscrire une assurance aupr\u00e8s d’une soci\u00e9t\u00e9 internationale.<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.22″ background_color=”#f3f3f3″ global_colors_info=”{}”][et_pb_row _builder_version=”3.25″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb use_icon=”on” font_icon=”%%103%%” use_circle=”on” circle_color=”#ffffff” use_circle_border=”on” use_icon_font_size=”on” icon_font_size=”120px” _builder_version=”3.0.74″ global_colors_info=”{}”][\/et_pb_blurb][et_pb_text _builder_version=”3.27.4″ background_color=”#ffffff” custom_padding=”40px|40px|40px|40px” box_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
ASSURANCE MALADIE POUR TRAVAILLEURS IND\u00c9PENDANTS EN ALLEMAGNE<\/h1>\n
\n
Si vous avez voyag\u00e9 en Allemagne depuis l’\u00e9tranger, alors, il est tout \u00e0 fait normal d’utiliser une police d’assurance maladie de votre pays d’origine. Toutefois, si vous choisissez cette option, il est essentiel de s’assurer que l’entreprise \u00e9trang\u00e8re avec laquelle vous avez souscrit votre assurance r\u00e9pond aux exigences l\u00e9gales du gouvernement allemand.<\/p>\n
Si vous \u00eates un ressortissant \u00e9tranger en Allemagne, la loi allemande stipule que vous devez avoir une assurance maladie publique ou priv\u00e9e allemande. Si cette derni\u00e8re option s’applique \u00e0 vous, vous devez \u00eatre en mesure de fournir la preuve que votre assurance r\u00e9pond aux exigences du gouvernement allemand.<\/p>\n
Quelles sont les conditions requises\u00a0?<\/span>
Globalement, ils affirment que tout r\u00e9gime d’assurance maladie non \u00e9tatique doit fournir le m\u00eame type de couverture que l’assurance maladie publique.<\/p>\nEn r\u00e9sum\u00e9, les r\u00e8gles stipulent que votre politique d’assurance ne doit pas inclure\u00a0:<\/span>
\u2022 toute sorte d’exclusion de la politique d’assurance\u00a0;
\u2022 une obligation de payer un gros exc\u00e9dent\u00a0;
\u2022 une limite au montant qui vous sera rembours\u00e9 si vous \u00eates malade\u00a0;
\u2022 toute clause d’expiration ou d’indemnit\u00e9 li\u00e9e aux changements dans votre raison
de vivre en Allemagne, votre \u00e2ge ou les activit\u00e9s auxquelles vous participez.<\/p>\nQui plus est, la police d’assurance doit fonctionner comme un r\u00e9gime d’assurance-vie, c’est-\u00e0-dire fonctionner pour une dur\u00e9e ind\u00e9termin\u00e9e ou \u00eatre automatiquement renouvelable.<\/p>\n
\u00c9tablie \u00e0 Bonn, l’entit\u00e9 l\u00e9gale de r\u00e9gulation des services financiers est connue sous le nom de Bundesanstalt f\u00fcr Finanzdienstleistungsaufsicht (Autorit\u00e9 f\u00e9d\u00e9rale de surveillance des services financiers). Elle est responsable des crit\u00e8res stricts que les polices d’assurance maladie doivent respecter, en particulier en ce qui concerne l’article 257 (2) (a) du livre V de la SGBV (Code allemand de s\u00e9curit\u00e9 sociale).<\/p>\n
Il est essentiel de v\u00e9rifier si votre police d’assurance maladie internationale est valable en Allemagne.<\/p>\n
Comment proc\u00e9der<\/span>
Il vous suffit de demander \u00e0 votre compagnie d’assurance de vous donner le num\u00e9ro de licence qu’ils ont re\u00e7u du BaFin. Une autre option consiste \u00e0 demander \u00e0 votre entreprise de confirmer qu’elle a respect\u00e9 les dispositions l\u00e9gales allemandes. S’ils ne peuvent pas fournir une licence ou une confirmation, il est probable qu’ils ne r\u00e9pondent pas aux crit\u00e8res allemands.<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″ background_color=”#8dc153″ custom_padding=”5px||5px|” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ _builder_version=”3.25″ background_color=”#8dc153″ custom_margin=”|||” custom_padding=”|||” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.mygermanexpert.com\/wp-content\/uploads\/2018\/06\/Health-Insurance-Side-Scraper.png” url=”https:\/\/www.mygermanexpert.com\/go\/h93″ url_new_window=”on” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” _builder_version=”4.11.4″ animation_style=”fold” hover_enabled=”0″ box_shadow_style=”preset2″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Consultation et demande d’adh\u00e9sion gratuites (en anglais ou en allemand)” button_url=”https:\/\/www.mygermanexpert.com\/go\/h93″ url_new_window=”on” button_text=”Devis gratuit” _builder_version=”4.11.4″ header_font=”||||||||” header_font_size=”22px” header_line_height=”1.7em” body_font=”||||||||” body_font_size=”15px” custom_button=”on” button_font=”||||||||” custom_padding=”|||” hover_enabled=”0″ border_width_all=”0px” border_color_all=”#ffffff” border_style_all=”solid” box_shadow_style=”preset2″ box_shadow_style_button=”preset1″ use_border_color=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” sticky_enabled=”0″]<\/p>\n
BProtected est un courtier en assurance maladie enti\u00e8rement agr\u00e9\u00e9, ind\u00e9pendant et exp\u00e9riment\u00e9 qui offre des conseils personnalis\u00e9s sur tous les aspects de la couverture sant\u00e9 en Allemagne. Notre partenaire peut vous aider, en anglais ou en allemand, \u00e0 trouver l’option qui convient le mieux \u00e0 votre budget et \u00e0 vos besoins.<\/p>\n
[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
R\u00e9gimes d’assurance maladie pour les travailleurs ind\u00e9pendants en Allemagne.Alors que votre assurance voyage \u00e0 l’\u00e9tranger \u00e9tait suffisante jusqu’\u00e0 votre arriv\u00e9e en Allemagne, une assurance maladie allemande est obligatoire dans le pays. Obtenir un devis d’assurance maladie gratuit R\u00e9gimes d\u2019assurance maladie publics ou priv\u00e9s pour les salari\u00e9s, les ind\u00e9pendants, les \u00e9tudiants et les d\u00e9tenteurs de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6843,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"
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