{"id":6203,"date":"2025-02-07T15:54:39","date_gmt":"2025-02-07T14:54:39","guid":{"rendered":"http:\/\/localhost:8888\/latour-finance\/?page_id=6203"},"modified":"2025-12-08T15:26:59","modified_gmt":"2025-12-08T14:26:59","slug":"health-mutual-carte-vitale-french-expatriates","status":"publish","type":"page","link":"https:\/\/latour-finances.de\/en\/health-mutual-carte-vitale-french-expatriates\/","title":{"rendered":"Health and protection"},"content":{"rendered":"<div id=\"fws_69f4c60f2b7ca\"  data-column-margin=\"default\" data-midnight=\"light\" data-top-percent=\"18%\" data-bottom-percent=\"10%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-bottom parallax_section right_padding_7pct left_padding_7pct top_padding_phone_30pct bottom_padding_phone_20pct\"  style=\"padding-top: calc(100vw * 0.18); padding-bottom: calc(100vw * 0.10); \"><div class=\"row-bg-wrap\" data-bg-animation=\"fade-in\" data-bg-animation-delay=\"\" data-bg-overlay=\"true\"><div class=\"inner-wrap row-bg-layer using-image\" style=\"background-color: #d1d1ca;\" ><div class=\"row-bg viewport-desktop using-image using-bg-color\" data-parallax-speed=\"fast\" style=\"background-image: url(https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/01\/17818.jpg); background-position: center bottom; background-repeat: no-repeat; background-color: #d1d1ca; \"><\/div><\/div><div class=\"row-bg-overlay row-bg-layer\" style=\"background: #1d4c5a; background: linear-gradient(90deg,#1d4c5a 0%,rgba(34,178,164,0.01) 100%);  opacity: 0.3; \"><\/div><\/div><div class=\"row_col_wrap_12 col span_12 light left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f4c60f2bf5f\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h1 >Health and welfare in Germany<\/h1><\/div>\n<div class=\"wpb_text_column wpb_content_element\" style=\" max-width: 600px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p class=\"Standard\">As an expat settling in Germany, it's crucial to understand the local healthcare and protection systems. Expat Finances supports you in finding the optimal coverage for your situation.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f4c60f2c728\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column has-animation no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"fade-in\" data-delay=\"800\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-cta  alignment_tablet_default alignment_phone_default display_tablet_inherit display_phone_inherit\" data-color=\"accent-color\" data-using-bg=\"true\" data-style=\"arrow-animation\" data-display=\"block\" data-alignment=\"left\" data-text-color=\"custom\" style=\"margin-top: 30px; \"><h4 style=\"color: #ffffff;\"><span class=\"link_wrap\" style=\"padding-top: 20px; padding-right: 40px; padding-bottom: 20px; padding-left: 40px;\"><a  class=\"link_text\" role=\"button\" href=\"https:\/\/latour-finances.de\/en\/contact-expat-finance-study-germany\/\"><span class=\"text\">Contact us<\/span><svg class=\"next-arrow\" aria-hidden=\"true\" width=\"20px\" height=\"25px\" viewbox=\"0 0 50 80\" xml:space=\"preserve\">\n  <polyline stroke=\"#ffffff\" stroke-width=\"9\" fill=\"none\" stroke-linecap=\"round\" stroke-linejoin=\"round\" points=\"0, 0 45, 40 0, 80\"\/>\n  <\/svg>  <span class=\"line\"  style=\"background-color: #ffffff;\"><\/span> <\/a><\/span><\/h4><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f4c60f2d2a6\"  data-column-margin=\"default\" data-midnight=\"light\" data-bottom-percent=\"3%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: 0px; padding-bottom: calc(100vw * 0.03); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #1d4c5a; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 light left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f4c60f2d782\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row  vc_custom_1740475154613 translate_y_50px translate_y_phone_20px\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h2 style=\" color: #22b2a4;\">For whom?<\/h2><\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div class=\"nectar-flickity not-initialized nectar-carousel\" data-centered-cells=\"false\" data-pause-on-hover=\"\" data-touch-icon-color=\"default\" data-control-color=\"default\" data-overflow=\"visible\" data-r-bottom-total=\"\" data-drag-scale=\"\" data-wrap=\"no-wrap\" data-spacing=\"default\" data-controls=\"touch_total\" data-pagination-alignment=\"default\" data-adaptive-height=\"\" data-border-radius=\"none\" data-column-border=\"\" data-column-padding=\"0\" data-format=\"default\" data-autoplay=\"\" data-autoplay-dur=\"5000\" data-control-style=\"material_pagination\" data-desktop-columns=\"3\" data-small-desktop-columns=\"3\" data-tablet-columns=\"2\" data-phone-columns=\"1\" data-column-color=\"\"><div class=\"flickity-viewport\"> <div class=\"flickity-slider\"><div class=\"cell\"><div class=\"inner-wrap-outer\"><div class=\"inner-wrap\" ><div class=\"nectar-fancy-box using-img\" data-style=\"color_box_hover\" data-animation=\"\" data-hover-o=\"default\" data-border-radius=\"default\" data-border=\"true\" data-box-color-opacity=\"1\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-inner-wrap\"><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/expat_finances_assurance_sante_en_allemagne2-1120x830-1.jpg\"><\/div> <div class=\"inner\" style=\"min-height: 200px\"><div class=\"inner-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 32 32\">\n        <path d=\"M16.021 30.719c-0.188 0-0.367-0.080-0.495-0.219l-13.336-14.751c-0.027-0.031-0.051-0.061-0.072-0.096-1.368-1.583-2.119-3.592-2.119-5.673 0-4.797 3.901-8.699 8.696-8.699 2.969 0 5.715 1.531 7.304 3.985 1.585-2.455 4.335-3.985 7.303-3.985 4.796 0 8.697 3.903 8.697 8.699 0 2.085-0.753 4.097-2.125 5.68-0.023 0.031-0.041 0.060-0.069 0.087l-13.292 14.751c-0.123 0.141-0.303 0.221-0.492 0.221v0zM3.256 14.943l12.764 14.115 12.727-14.12c0.019-0.027 0.036-0.053 0.057-0.077 1.201-1.353 1.863-3.084 1.863-4.88 0-4.061-3.305-7.365-7.364-7.365-2.869 0-5.499 1.693-6.695 4.313-0.216 0.473-0.996 0.473-1.212 0-1.197-2.62-3.825-4.313-6.696-4.313-4.060 0-7.363 3.305-7.363 7.365 0 1.795 0.661 3.527 1.861 4.879 0.020 0.028 0.040 0.056 0.057 0.084z\"><\/path>\n        <\/svg><\/span><\/span>\n<h4>Long-term expats looking to understand and optimize their health insurance in Germany.<\/h4>\n<\/div><\/div>  <\/div> <\/div><\/div><\/div><\/div><div class=\"cell\"><div class=\"inner-wrap-outer\"><div class=\"inner-wrap\" ><div class=\"nectar-fancy-box using-img\" data-style=\"color_box_hover\" data-animation=\"\" data-hover-o=\"default\" data-border-radius=\"default\" data-border=\"true\" data-box-color-opacity=\"1\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-inner-wrap\"><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/la-cfe-expat-finances1-1120x747-1.jpg\"><\/div> <div class=\"inner\" style=\"min-height: 200px\"><div class=\"inner-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 41 32\">\n        <path d=\"M40.667 31.833c-0.367 0-0.667-0.3-0.667-0.667v-1.333c0-3.324-4.909-4.563-8.001-4.563-0.207 0-0.403-0.096-0.528-0.26l-3-3.896c-0.224-0.292-0.169-0.708 0.123-0.935 0.293-0.223 0.711-0.171 0.935 0.123l2.803 3.639c3.74 0.089 9.003 1.692 9.003 5.892v1.333c0 0.367-0.3 0.667-0.667 0.667zM14.5 22.5c-3.953 0-7.175-4.295-7.476-8.091-0.889-0.251-1.691-0.984-1.691-1.909v-2.667c0-0.833 0.807-1.435 1.333-1.739v-2.261c0-2.528 2.020-4.592 4.529-4.664 0.536-0.215 2.648-1.003 4.804-1.003 3.44 0 5.333 2.013 5.333 5.667v2.059c1.333 0.26 1.333 1.331 1.333 1.941v2.667c0 0.928-0.421 1.62-1.101 1.883-0.255 3.94-3.192 8.117-7.065 8.117zM16 1.5c-2.163 0-4.383 0.936-4.404 0.947-0.084 0.035-0.172 0.053-0.263 0.053-1.837 0-3.333 1.495-3.333 3.333v2.667c0 0.261-0.155 0.5-0.393 0.608-0.475 0.215-0.915 0.583-0.941 0.731v2.661c0 0.293 0.56 0.667 1 0.667 0.368 0 0.667 0.299 0.667 0.667 0 3.303 2.845 7.333 6.167 7.333 3.239 0 5.751-3.943 5.751-7.333 0-0.368 0.299-0.667 0.667-0.667 0.277 0 0.417-0.224 0.417-0.667v-2.667c0-0.667 0-0.667-0.667-0.667-0.368 0-0.667-0.299-0.667-0.667v-2.667c0-2.916-1.308-4.333-4-4.333zM28 21.047c-1.703 0-3.172-0.344-4.504-0.716-0.356-0.099-0.561-0.467-0.463-0.821s0.469-0.564 0.82-0.463c1.243 0.347 2.601 0.667 4.144 0.667 6.516 0 9.084-3.191 9.9-4.589-0.596-1.013-2.241-3.861-2.547-5.167-0.529-2.248-2.308-7.472-7.353-7.472-1.003 0-1.957 0.227-2.839 0.673-0.332 0.164-0.729 0.029-0.896-0.295-0.167-0.328-0.035-0.729 0.293-0.896 1.073-0.541 2.228-0.816 3.443-0.816 4.221 0 7.372 3.097 8.648 8.499 0.26 1.107 1.959 4.065 2.588 5.113 0.117 0.195 0.128 0.437 0.027 0.639-1.764 3.535-5.976 5.644-11.261 5.644zM0.667 31.833c-0.368 0-0.667-0.3-0.667-0.667v-1.333c0-3.861 3.084-6.667 7.333-6.667h1.644l1.775-2.648c0.205-0.305 0.619-0.388 0.925-0.183 0.305 0.203 0.388 0.619 0.183 0.924l-1.972 2.943c-0.124 0.187-0.332 0.297-0.555 0.297h-2c-3.532 0-6 2.195-6 5.333v1.333c0 0.367-0.299 0.667-0.667 0.667zM28.667 31.833c-0.367 0-0.667-0.3-0.667-0.667v-1.333c0-3.14-2.421-5.333-5.891-5.333h-2c-0.22 0-0.425-0.108-0.549-0.289l-2.164-3.147c-0.208-0.304-0.132-0.719 0.172-0.925 0.304-0.205 0.719-0.132 0.927 0.175l1.965 2.859h1.649c4.252 0 7.224 2.744 7.224 6.667v1.333c0 0.361-0.3 0.661-0.667 0.661zM12 30.5c-0.040 0-0.081-0.004-0.121-0.012-0.216-0.039-0.399-0.184-0.488-0.384l-2.667-6c-0.119-0.268-0.049-0.584 0.172-0.775 0.223-0.195 0.544-0.215 0.791-0.061l5.333 3.333c0.172 0.108 0.285 0.288 0.308 0.489 0.024 0.197-0.047 0.404-0.191 0.544l-2.667 2.667c-0.125 0.129-0.296 0.199-0.471 0.199zM10.828 25.553l1.388 3.123 1.388-1.388-2.776-1.735zM17.332 30.5c-0.175 0-0.345-0.069-0.472-0.195l-2.667-2.667c-0.144-0.139-0.215-0.344-0.191-0.544 0.023-0.2 0.137-0.38 0.308-0.488l5.333-3.333c0.248-0.155 0.568-0.135 0.791 0.061 0.221 0.195 0.291 0.507 0.172 0.775l-2.667 6c-0.089 0.199-0.272 0.345-0.488 0.384-0.039 0.003-0.080 0.007-0.12 0.007zM15.729 27.288l1.388 1.388 1.388-3.123-2.776 1.735z\"><\/path>\n        <\/svg><\/span><\/span>\n<h4>Spouses of expatriates who need to choose between individual coverage and family affiliation.<\/h4>\n<\/div><\/div>  <\/div> <\/div><\/div><\/div><\/div><div class=\"cell\"><div class=\"inner-wrap-outer\"><div class=\"inner-wrap\" ><div class=\"nectar-fancy-box using-img\" data-style=\"color_box_hover\" data-animation=\"\" data-hover-o=\"default\" data-border-radius=\"default\" data-border=\"true\" data-box-color-opacity=\"1\" data-delay=\"\" data-alignment=\"left\" data-color=\"accent-color\" ><div class=\"box-inner-wrap\"><div class=\"box-bg\"  data-nectar-img-src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/696.jpg\"><\/div> <div class=\"inner\" style=\"min-height: 200px\"><div class=\"inner-wrap\"><span class=\"im-icon-wrap\" data-color=\"accent-color\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 37 32\">\n        <path d=\"M8.667 31.667h-6.667c-0.367 0-0.667-0.3-0.667-0.667v-8.391l-1.139-1.139c-0.125-0.127-0.195-0.296-0.195-0.472v-8.707c0-1.815 1.476-3.292 3.292-3.292h4.084c1.813 0 3.292 1.476 3.292 3.292v8.708c0 0.177-0.071 0.347-0.195 0.472l-1.139 1.139v8.391c-0.001 0.365-0.3 0.665-0.668 0.665zM2.667 30.333h5.333v-8c0-0.177 0.071-0.347 0.195-0.472l1.139-1.139v-8.432c0-1.080-0.879-1.959-1.959-1.959h-4.084c-1.080 0-1.959 0.879-1.959 1.959v8.432l1.139 1.139c0.125 0.125 0.195 0.295 0.195 0.472v8h0.001zM5.333 8.333c-2.205 0-4-1.795-4-4s1.795-4 4-4c2.205 0 4 1.795 4 4s-1.793 4-4 4zM5.333 1.667c-1.472 0-2.667 1.195-2.667 2.667s1.195 2.667 2.667 2.667c1.472 0 2.667-1.195 2.667-2.667s-1.195-2.667-2.667-2.667zM19.333 31.667h-4c-0.367 0-0.667-0.3-0.667-0.667v-5.568l-1.043-0.712c-0.183-0.127-0.291-0.331-0.291-0.551v-5.948c0-1.385 1.128-2.555 2.461-2.555h2.789c1.271 0 2.751 1.116 2.751 2.555v5.948c0 0.22-0.108 0.424-0.292 0.551l-1.043 0.712v5.568c0 0.367-0.297 0.667-0.667 0.667zM16 30.333h2.667v-5.252c0-0.219 0.108-0.421 0.291-0.549l1.043-0.709v-5.596c0-0.571-0.755-1.221-1.417-1.221h-2.788c-0.601 0-1.129 0.572-1.129 1.221v5.596l1.043 0.709c0.183 0.128 0.291 0.331 0.291 0.549l0.001 5.252zM17.188 14.396c-1.623 0-2.943-1.32-2.943-2.943 0-1.624 1.32-2.944 2.943-2.944s2.943 1.32 2.943 2.944c0 1.623-1.32 2.943-2.943 2.943zM17.188 9.843c-0.888 0-1.609 0.723-1.609 1.611s0.721 1.609 1.609 1.609 1.609-0.721 1.609-1.609-0.721-1.611-1.609-1.611zM34 31.667h-6.667c-0.367 0-0.667-0.3-0.667-0.667v-4.667h-2.064c-0.196 0-0.385-0.088-0.513-0.243-0.128-0.152-0.18-0.359-0.14-0.549l1.396-7.333-0.012-5.917c0-1.815 1.475-3.292 3.292-3.292h4.084c1.812 0 3.292 1.476 3.292 3.292v6.041l1.291 7.032c0.044 0.088 0.071 0.195 0.071 0.301 0 0.365-0.3 0.667-0.667 0.667-0.008 0.001-0.017 0.001-0.028 0h-2.001v4.667c0 0.368-0.297 0.668-0.667 0.668zM28 30.333h5.333v-4.667c0-0.367 0.3-0.667 0.667-0.667h1.865l-1.193-6.547-0.008-6.161c0-1.080-0.879-1.959-1.959-1.959h-4.084c-1.080 0-1.96 0.879-1.96 1.959v6.041l-1.255 6.667h1.924c0.367 0 0.667 0.3 0.667 0.667l0.003 4.667zM30.667 8.333c-2.205 0-4-1.795-4-4s1.795-4 4-4c2.204 0 4 1.795 4 4s-1.792 4-4 4zM30.667 1.667c-1.472 0-2.667 1.195-2.667 2.667s1.195 2.667 2.667 2.667c1.472 0 2.667-1.195 2.667-2.667s-1.195-2.667-2.667-2.667z\"><\/path>\n        <\/svg><\/span><\/span>\n<h4>Expat couples with children, looking to secure the best health and protection coverage for the whole family.<\/h4>\n<\/div><\/div>  <\/div> <\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f4c60f3002d\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"3%\" data-bottom-percent=\"1%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.01); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #ffffff; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f4c60f305c5\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #1d4c5a;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2 style=\"text-align: center\">In Germany, should I choose public or private health insurance ?<\/h2>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f4c60f30ca3\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row  right_padding_10pct left_padding_10pct\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #1d4c5a;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><p>In Germany, having health insurance is mandatory. Choosing between private health insurance (PKV) and public health insurance (GKV) depends on your employment status, income level, and healthcare needs.<\/p>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t<div class=\"wpb_content_element\" data-interval=\"0\">\n\t\t<div class=\"wpb_wrapper tabbed clearfix\" data-style=\"minimal_flexible\" data-animation=\"\" data-spacing=\"\" data-icon-size=\"32\" data-full-width-line=\"\" data-color-scheme=\"accent-color\" data-alignment=\"left\">\n\t\t\t<ul class=\"wpb_tabs_nav ui-tabs-nav clearfix\"><li class=\"tab-item active-tab\"><a role=\"button\" href=\"#tab-1765203935917-0\" class=\"active-tab\"><span>Public health insurance (GKV)<\/span><\/a><\/li><li class=\"tab-item\"><a role=\"button\" href=\"#tab-1765203936048-1\" ><span>Private health insurance (PKV)<\/span><\/a><\/li><\/ul>\n\n\t\t\t\n\t\t\t<div id=\"tab-lassurance-maladie-publique-gkv\" data-tab-icon=\"iconsmind-Heart2\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M16.021 30.719c-0.188 0-0.367-0.080-0.495-0.219l-13.336-14.751c-0.027-0.031-0.051-0.061-0.072-0.096-1.368-1.583-2.119-3.592-2.119-5.673 0-4.797 3.901-8.699 8.696-8.699 2.969 0 5.715 1.531 7.304 3.985 1.585-2.455 4.335-3.985 7.303-3.985 4.796 0 8.697 3.903 8.697 8.699 0 2.085-0.753 4.097-2.125 5.68-0.023 0.031-0.041 0.060-0.069 0.087l-13.292 14.751c-0.123 0.141-0.303 0.221-0.492 0.221v0zM3.256 14.943l12.764 14.115 12.727-14.12c0.019-0.027 0.036-0.053 0.057-0.077 1.201-1.353 1.863-3.084 1.863-4.88 0-4.061-3.305-7.365-7.364-7.365-2.869 0-5.499 1.693-6.695 4.313-0.216 0.473-0.996 0.473-1.212 0-1.197-2.62-3.825-4.313-6.696-4.313-4.060 0-7.363 3.305-7.363 7.365 0 1.795 0.661 3.527 1.861 4.879 0.020 0.028 0.040 0.056 0.057 0.084z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f4c60f31684\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"padding-top: 1%; padding-bottom: 1%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Public health insurance (GKV)<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1740411377466\" style=\" max-width: 600px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p class=\"Standard\">Public health insurance (GKV) is mandatory for employees whose annual gross income is below the threshold (approximately \u20ac69,300 in 2024). It operates on an income-based contribution system and covers essential medical care, hospital treatment, and prescription drugs, with moderate out-of-pocket costs. GKV is especially suitable for families, as unemployed spouses and children can be included at no additional cost.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1333\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877.jpg\" alt=\"Health and provident insurance: what can you do without a carte vitale?\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877-300x200.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877-1024x682.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877-768x512.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877-1536x1024.jpg 1536w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/877-900x600.jpg 900w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t\t<div id=\"tab-lassurance-maladie-privee-pkv\" data-tab-icon=\"iconsmind-Folder-Love\" class=\"wpb_tab ui-tabs-panel wpb_ui-tabs-hide clearfix\"><span class=\"im-icon-wrap tab-icon\"><span><svg role=\"presentation\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewbox=\"0 0 32 32\">\n        <path d=\"M26.617 31.333c-0.112 0-0.227-0.028-0.331-0.088-3.177-1.815-4.759-3.793-4.701-5.876 0.048-1.712 1.233-2.848 1.799-3.132 1.328-0.664 2.56-0.328 3.235 0.503 0.677-0.831 1.911-1.164 3.237-0.503 0.565 0.284 1.751 1.42 1.797 3.133 0.057 2.084-1.527 4.061-4.703 5.877-0.104 0.057-0.219 0.085-0.333 0.085zM24.808 23.197c-0.247 0-0.525 0.079-0.831 0.232-0.225 0.112-1.029 0.86-1.060 1.973-0.040 1.471 1.236 3.016 3.699 4.489 2.465-1.473 3.743-3.021 3.7-4.489-0.031-1.115-0.835-1.861-1.060-1.973-0.305-0.153-0.585-0.232-0.831-0.232-0.779 0-1.143 0.877-1.143 1.472 0 0.367-0.297 0.667-0.667 0.667-0.367 0-0.667-0.3-0.667-0.667 0.001-0.593-0.363-1.472-1.141-1.472zM31.333 14c-0.367 0-0.667-0.299-0.667-0.667v-4c0-2.205-1.795-4-4-4h-11.167c-0.368 0-0.667-0.299-0.667-0.667 0-1.041-1.652-3.333-3.417-3.333h-6.667c-1.755 0-3.416 1.823-3.416 3.751v8.251c0 0.368-0.299 0.667-0.667 0.667s-0.667-0.299-0.667-0.667v-8.251c0-2.66 2.264-5.084 4.751-5.084h6.667c2.231 0 4.22 2.26 4.66 4h10.589c2.943 0 5.333 2.392 5.333 5.333v4c0 0.368-0.299 0.667-0.667 0.667zM4.695 32c-2.612 0-4.695-2.081-4.695-4.639v-14.028c0-0.368 0.299-0.667 0.667-0.667s0.667 0.299 0.667 0.667v14.028c0 1.823 1.483 3.305 3.305 3.305 1.88 0 3.361-1.483 3.361-3.305v-14.695c0-2.573 2.093-4.667 4.667-4.667h14.667c2.575 0 4.667 2.093 4.667 4.667v7.333c0 0.367-0.299 0.667-0.667 0.667-0.367 0-0.667-0.3-0.667-0.667v-7.333c0-1.837-1.495-3.333-3.333-3.333h-14.667c-1.836 0-3.333 1.496-3.333 3.333v14.695c0 2.557-2.081 4.639-4.639 4.639zM21.333 32h-16c-0.368 0-0.667-0.3-0.667-0.667s0.3-0.667 0.667-0.667h16c0.368 0 0.667 0.3 0.667 0.667s-0.299 0.667-0.667 0.667z\"><\/path>\n        <\/svg><\/span><\/span>\n\t\t\t\t<div id=\"fws_69f4c60f327d8\" data-midnight=\"\" data-column-margin=\"90px\" class=\"wpb_row vc_row-fluid vc_row inner_row vc_row-o-equal-height vc_row-flex vc_row-o-content-middle\"  style=\"padding-top: 1%; padding-bottom: 1%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"img-with-aniamtion-wrap\" data-max-width=\"100%\" data-max-width-mobile=\"default\" data-shadow=\"none\" data-animation=\"fade-in\" >\n      <div class=\"inner\">\n        <div class=\"hover-wrap\" data-hover-animation=\"zoom-crop\"> \n          <div class=\"hover-wrap-inner\">\n            <a href=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2148150996.jpg\" class=\"pp\">\n              <img loading=\"lazy\" decoding=\"async\" class=\"img-with-animation skip-lazy\" data-delay=\"0\" height=\"1125\" width=\"2000\" data-animation=\"fade-in\" src=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2148150996.jpg\" alt=\"Health and provident insurance: what can you do without a carte vitale?\" srcset=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2148150996.jpg 2000w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2148150996-300x169.jpg 300w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2148150996-1024x576.jpg 1024w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2148150996-768x432.jpg 768w, https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/02\/2148150996-1536x864.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-6 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-split-heading\" data-align=\"default\" data-m-align=\"inherit\" data-text-effect=\"default\" data-animation-type=\"line-reveal-by-space\" data-animation-delay=\"0\" data-animation-offset=\"\" data-m-rm-animation=\"\" data-stagger=\"\" data-custom-font-size=\"false\" ><h3 style=\" color: #1d4c5a;\">Private health insurance (PKV)<\/h3><\/div>\n<div class=\"wpb_text_column wpb_content_element  vc_custom_1739261733543\" style=\" max-width: 600px; display: inline-block;\">\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Private health insurance (PKV) is available to self-employed individuals, civil servants, and employees whose income exceeds the GKV threshold. Unlike the public system, PKV premiums are not based on income but rather on age, health status, and the level of coverage selected. It offers faster access to care, higher reimbursements for specialist consultations, and broader hospital benefits \u2014 such as private rooms and treatment by senior physicians. However, it can become more expensive with age and does not allow free coverage for non-working family members.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div> \n\t<\/div> \n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f4c60f33866\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"3%\" data-bottom-percent=\"2%\"  class=\"wpb_row vc_row-fluid vc_row full-width-section\"  style=\"padding-top: calc(100vw * 0.03); padding-bottom: calc(100vw * 0.02); \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\"  style=\"background-color: #1d4c5a; \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div id=\"fws_69f4c60f33d48\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  center\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #22b2a4;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h3 class=\"Standard\">The difference between public and private healthcare in Germany :<\/h3>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t<div class=\"wpb_raw_code wpb_raw_html wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n<table id=\"tablepress-3\" class=\"tablepress tablepress-id-3\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Criteria<\/th><th class=\"column-2\">Public health insurance - Gesetzliche Krankenversicherung (GKV)<\/th><th class=\"column-3\">Private health insurance - Private Krankenversicherung (PKV)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">For whom<\/td><td class=\"column-2\">All employees up to a certain income threshold (2025: \u20ac69,300 gross\/year), Students, unemployed people<\/td><td class=\"column-3\">Employees above the income threshold, self-employed, civil servants, students (under certain conditions).<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Attractive<\/td><td class=\"column-2\">Income-dependent. Contribution capped.<\/td><td class=\"column-3\">Depends on age and state of health at time of purchase, and on benefits selected. Individual premium, not linked to income.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Services<\/td><td class=\"column-2\">Uniform legal catalog (doctor, hospital, medication, preventive care). Limited to \"necessary\" care.<\/td><td class=\"column-3\">Customizable services (specialist doctors, single room, best turnaround times, alternative care depending on contract). Often more comprehensive.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Family<\/td><td class=\"column-2\">Free family insurance (married spouse with no income and children included at no extra cost).<br \/>\n<\/td><td class=\"column-3\">No free coverage: each family member must pay his or her own contribution.<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Advance payment<br \/>\n<\/td><td class=\"column-2\">No advance payment: the insurance card (Gesundheitskarte) suffices, and costs are settled directly between the insurance company and the doctor\/hospital.<br \/>\n<\/td><td class=\"column-3\">The insured pays the bill first, then gets reimbursed by his or her insurance (except for hospitalization).<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-3 from cache -->\n\t\t<\/div>\n\t<\/div>\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f4c60f34d52\"  data-column-margin=\"default\" data-midnight=\"dark\" data-top-percent=\"5%\" data-bottom-percent=\"5%\"  class=\"wpb_row vc_row-fluid vc_row full-width-content vc_row-o-equal-height vc_row-flex vc_row-o-content-middle parallax_section zindex-set right_padding_15pct left_padding_15pct right_padding_tablet_20pct right_padding_phone_24px left_padding_tablet_20pct left_padding_phone_24px\"  style=\"padding-top: calc(100vw * 0.05); padding-bottom: calc(100vw * 0.05);  z-index: 10;\"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop using-bg-color\" data-parallax-speed=\"fast\" style=\"background-color: rgba(132,179,180,0.12); \"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"right\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"nectar-lottie-wrap width_desktop_90pct height_desktop_90pct alignment_center position_desktop_absolute top_position_desktop_0px left_position_desktop_0px translate_y_desktop_-45pct translate_x_desktop_-60pct z_index_-1\"><div class=\"nectar-lottie\" data-lottie-settings=\"{&quot;trigger_type&quot;:&quot;play&quot;,&quot;mobile_func&quot;:&quot;default&quot;,&quot;loop&quot;:&quot;true&quot;,&quot;trigger_offset&quot;:&quot;0.00,100.00&quot;,&quot;frame_constraint&quot;:&quot;0.00,100.00&quot;,&quot;speed&quot;:&quot;0.2&quot;,&quot;width_desktop&quot;:&quot;90%&quot;,&quot;height_desktop&quot;:&quot;90%&quot;,&quot;alignment&quot;:&quot;center&quot;,&quot;preserve_aspect_ratio&quot;:&quot;xMidYMid meet&quot;,&quot;position_desktop&quot;:&quot;absolute&quot;,&quot;top_position_desktop&quot;:&quot;0&quot;,&quot;left_position_desktop&quot;:&quot;0&quot;,&quot;translate_y_desktop&quot;:&quot;-45%&quot;,&quot;translate_x_desktop&quot;:&quot;-60%&quot;,&quot;preserveaspectratio&quot;:&quot;none&quot;,&quot;json_url&quot;:&quot;https:\\\/\\\/assets1.lottiefiles.com\\\/packages\\\/lf20_w4NUp4.json&quot;,&quot;zindex&quot;:&quot;-1&quot;,&quot;box_shadow_method&quot;:&quot;filter&quot;}\"><\/div><\/div><div class=\"nectar-lottie-wrap width_desktop_150pct height_desktop_150pct alignment_center position_desktop_absolute top_position_desktop_0px left_position_desktop_0px translate_y_desktop_-10pct translate_x_desktop_20pct z_index_-1\"><div class=\"nectar-lottie\" data-lottie-settings=\"{&quot;trigger_type&quot;:&quot;play&quot;,&quot;mobile_func&quot;:&quot;default&quot;,&quot;loop&quot;:&quot;true&quot;,&quot;trigger_offset&quot;:&quot;0.00,100.00&quot;,&quot;frame_constraint&quot;:&quot;0.00,100.00&quot;,&quot;speed&quot;:&quot;0.2&quot;,&quot;width_desktop&quot;:&quot;150%&quot;,&quot;height_desktop&quot;:&quot;150%&quot;,&quot;alignment&quot;:&quot;center&quot;,&quot;preserve_aspect_ratio&quot;:&quot;xMidYMid meet&quot;,&quot;position_desktop&quot;:&quot;absolute&quot;,&quot;top_position_desktop&quot;:&quot;0&quot;,&quot;left_position_desktop&quot;:&quot;0&quot;,&quot;translate_y_desktop&quot;:&quot;-10%&quot;,&quot;translate_x_desktop&quot;:&quot;20%&quot;,&quot;preserveaspectratio&quot;:&quot;none&quot;,&quot;json_url&quot;:&quot;https:\\\/\\\/assets1.lottiefiles.com\\\/packages\\\/lf20_w4NUp4.json&quot;,&quot;zindex&quot;:&quot;-1&quot;,&quot;box_shadow_method&quot;:&quot;filter&quot;}\"><\/div><\/div><div id=\"fws_69f4c60f3544f\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"padding-bottom: 2%; \"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col child_column centered-text no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #1d4c5a;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2>What we offer :<\/h2>\n<\/div>\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div><div id=\"fws_69f4c60f359cf\" data-midnight=\"\" data-column-margin=\"default\" class=\"wpb_row vc_row-fluid vc_row inner_row\"  style=\"\"><div class=\"row-bg-wrap\"> <div class=\"row-bg\" ><\/div> <\/div><div class=\"row_col_wrap_12_inner col span_12  left\">\n\t<div  class=\"vc_col-sm-2 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-8 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"toggles accordion toggles--minimal-shadow\" data-br=\"20px\" data-starting=\"default\" data-style=\"minimal\"><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Maintaining social security coverage in France :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>This service is available exclusively to French nationals. No equivalent solution is offered for English-speaking expatriates wishing to maintain health coverage in their home country.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Registration with a private health insurance (PKV) :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>If you're eligible for private health insurance in Germany (PKV), we help you choose the policy best suited to your profile. Private insurance offers higher reimbursements, better access to specialists, and enhanced benefits such as private hospital rooms, improved dental and vision care, and alternative medicine coverage. We assist you in comparing providers and subscribing to the PKV plan that fits your medical needs and budget.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Registration in the public health insurance system (GKV) :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-fancy-ul font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6\" data-list-icon=\"dot\" data-animation=\"false\" data-animation-delay=\"0\" data-spacing=\"5px\" data-alignment=\"left\"> If your status requires you to remain in Germany\u2019s public health insurance system (GKV), we guide you through choosing the right insurance fund, completing administrative steps, and understanding reimbursement levels. We explain how GKV contributions work, what is covered under the system, and what options are available to enhance your protection with supplemental health insurance. <\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Applying for complementary health insurance in Germany :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>To supplement the reimbursements provided by your public (GKV) or private (PKV) health insurance, we can help you take out a health insurance policy for expatriates in Germany. We'll guide you towards the most suitable contracts, covering under-reimbursed treatments such as dentures, glasses, alternative therapies and extra fees.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Guidance and support during sick leave :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>If you are on sick leave, the coverage differs depending on whether you are insured under the public (GKV) or private (PKV) health system. We help you understand your entitlement to daily sickness benefits, the steps to follow to receive compensation, and the available options to secure your income in the event of long-term incapacity.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Signing up for disability insurance (Berufsunf\u00e4higkeitsversicherung) :<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>Disability insurance is essential to protect your financial security in the event of a permanent loss of earning capacity. We help you choose the right policy tailored to your profession and personal situation, ensuring a stable income if you are no longer able to work.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"toggle accent-color\" data-inner-wrap=\"true\"><h3 class=\"toggle-title\"><a href=\"#\" role=\"button\" class=\"nectar-inherit-h3 toggle-heading\"><i role=\"presentation\" class=\"fa fa-plus-circle\"><\/i>Signing up for income protection insurance (Krankentagegeldversicherung)<\/a><\/h3><div><div class=\"inner-toggle-wrap\"><div class=\"nectar-responsive-text font_size_min_14px font_size_max_20px font_size_desktop_1-1vw font_line_height_1-6 nectar-link-underline-effect\"><p>Whether you are an employee or self-employed, income protection insurance helps secure your earnings in the event of an extended medical leave. We assist you in subscribing to a policy that complements your GKV or PKV coverage and advise you on the best solutions to maintain your standard of living during a temporary inability to work.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n\n\t<div  class=\"vc_col-sm-2 wpb_column column_container vc_column_container col child_column no-extra-padding inherit_tablet inherit_phone\"   data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t<\/div> \n\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"Health and welfare in Germany When you move to Germany as an expatriate, understanding the German health and welfare system is essential. Expat Finances can help you...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6203","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sant\u00e9 et pr\u00e9voyance pour les expatri\u00e9s fran\u00e7ais en Allemagne - Expat Finances<\/title>\n<meta name=\"description\" content=\"Sant\u00e9 : Comprendre le syst\u00e8me de sant\u00e9 et pr\u00e9voyance en Allemagne est essentiel. 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