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行前准备

医保怎么选

Krankenkasse wählen

Reviewed by a professional15 min read

德国有一百多家法定医保公司,基础费率全国统一,差别在附加保费和奖励计划。本章只解决「买哪家」:公保怎么比、不会德语怎么参保、过渡期买什么,以及要不要选私保。

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Last updated August 13, 2026